Being an entrepreneur in Romania is certainly not easy, but when it comes to #banking, we’re here with the most useful financial tools so you’ve got that part covered.

Whether you’d like a banking assistant that keeps you up to date with your account information at any time, or you think a platform to manage your employees’ meal cards in just a few clicks would be a real help, we’re opening our toolbox today and lending a hand for #bankingladistanta.

📌 Update: BT eSign

The newest solution on our list is BT eSign, which lets you sign online the contracts and addenda for loans without real estate collateral. And because benefits for entrepreneurs are our strong suit, it’s useful to know the electronic signature is free of charge, and this solution works for you even if you’re not a BT client. In other words, if you’re a co-borrower or guarantor under a contract, you can use BT eSign anytime and forget the trips to the branch, because everything becomes simpler — online 😉.

Onboarding

Let’s start with those who’ve just set out on the path of entrepreneurship. We know how it feels — we were there too and appreciated every bit of encouragement to do things right. That’s exactly why, for those of you who’ve started the process of setting up a company, we’ve prepared a 100% online option to onboard into entrepreneurship. In short, you can open your share capital account right from home. You only need a few documents, 15 minutes and a photo — and just like that, you’ve checked off another task to get your dream moving 😊.

Open an account online

You can now take your first steps towards BT, from home, with online account opening. In other words, you can open an account with BT and then manage it 100% online, and the process is as easy as it gets. Just upload your identity document, we’ll meet briefly on a video call to get to know each other better and that’s it!

Pssst: By opening an account online you gain access to the NELIMITAT package, which includes so many benefits you’ll wonder why you hadn’t thought of us until now 😉.

Spoiler alert! We’ve got something #cool for entrepreneurs with start-ups too. Yep, if your company has less than one year of activity, you can access the First Year Free Account.

Raul from BT

Have you met Raul? If not yet, no problem — we’ll make the introductions 😊. Think of Raul as your friend at BT. He’s your financial assistant, available any time of day or night without bothering anyone, and he’ll answer all your questions about the products and services your company has with BT.

In short, Raul is our chatbot and can help you anytime with:

• The IBAN of your current account in RON or other currencies;
• Your current account balance in RON or other currencies;
• Requesting cheques and promissory notes;
• Amounts due on your credit cards;
• Details about instalments, interest, loan fees, garnishments and exchange rates;
• Information about cheques or promissory notes;
• The number of loyalty points accrued on your Star shopping card;
• Details about the NELIMITAT package in the BT network and its extra options;
• Information about the grant program;
• The balance of the grant account(s);
• The IBAN of the grant account(s);
• Updating account data.

Running a small business and thinking about how to finance it? Raul is smart enough to help you get an overview of the loans you could take from BT Mic, with an indicative simulation.

Even more, Raul helps you apply for a loan for your business directly on the BT Mic website. The process is as simple as can be and just like that you won’t need to head to the branch at all 😉.

If you already have a loan from BT Mic, Raul will promptly answer questions such as:

⚖ How much do you still have to pay?

💸 How much do you need to pay monthly?

📆 What’s the instalment due date?

The best part is Raul is always online and you can access him straight from your smartphone. In other words, you can interact with him as easily as messaging a friend, because you’ll find him on WhatsApp. Come to #IntrebBT to see how you can get acquainted with our colleague Raul.

BT Visual Help

Because a solution that comes straight to your phone is always better than a trip to the branch, BT Visual Help is your financial partner, offering information and banking options such as:

• Check balances, IBAN and transactions;
• Check whether there are active garnishments on your company account(s);
• Block cards temporarily or permanently;
• Request re-issuance of a card after permanent blocking;
• Change transaction limits for your BT card;
• Dispute a card transaction — you can manage it yourself and reject certain transactions made with the physical or digital card at the ATM, POS or online;
• Generate account statements, which will then be sent straight to your e-mail within minutes;
• Receive or send files during the call with the Call Center team, which helps resolve various issues faster.

When technology meets #banking, your job as an entrepreneur gets easier, so why complicate things when with BT you can find everything you need on your smartphone? The steps are even simpler than they look — see them directly on #IntrebBT.

BT Pay

If you think an app would be more convenient, keep calm & use BT Pay. Chances are you’ve already heard a bit about this app — you may even use it for your personal cards — but what about your business cards? You can add those too, whether they’re credit or debit, in RON or EUR, BT or non-BT cards. There’s a dedicated space in the app for each one 😎.

Once you’ve enrolled your BT cards and non-BT cards in the BT Pay app, you can start #normalbanking. Here are a few things you can do:

• Confirm online payments securely and quickly straight from your phone;
• Make contactless payments with your phone;
• Check your card balances directly in the app;
• Temporarily or permanently block a card;
• View all card transactions in real time and see spending grouped by category.

BT Tichet

If you’re one of those entrepreneurs who chose the BT meal card as a salary benefit for your team, we absolutely have to tell you that managing them just got easier — so easy the whole activity comes down to a few clicks, through which you can:

• Order meal card issuance online for your employees;
• Request re-issuance of meal cards or activation/PIN codes;
• Change the value of meal vouchers;
• Access invoices for voucher transfers made to meal cards.

By the way, you should also know this platform is completely free, and if you already offer the BT meal card to your employees, all you need to do is sign an addendum. And just like that, at no extra cost, you have access to a management platform that helps you get things done much faster.

Updating data via online channels

If you’re one of our business partners with history at BT, we’ve prepared a functionality that will certainly come in handy. From now on, when there’s a change in your company — whether it’s the name, business line, ownership structure or other data — you can notify us with a few clicks directly on our website. Keeping your data up to date is at least as important as anticipating business risks, because:

• it’s a precaution that helps safeguard transactions through BT;
• it keeps your company secure;
• it gives you control and together we can meet the legal requirements in force (Law no. 129/2019 and National Bank of Romania Regulation no. 2/2019).

Debit instruments?

When it comes to your business, we like to know we can help fast — which is why we provide the service for cheques and promissory notes. Yep, you read that right. Not many people know, but with us you can request them online and then pick them up at the branch. Think of this service as a pre-order — you tell us exactly what you need, select the branch that’s most convenient for pickup, and by the time you arrive the documents are ready. That way you save time, skipping the queue at the counter. Keep in mind you can pick up the documents from any BT branch, and since we have lots of them, we’ll lend a hand wherever you are 😊.

CIP Online

If you’re about to close a deal with a partner you don’t know very well yet, it might be a good idea to run a quick check before signing the commercial contract. For that, we’ve got an online solution prepared especially for such situations. It’s the CIP Online platform, where you can request a query anytime in the Payment Incidents Register for any partner you’d like more information about.

Warm welcome

If you’re not our client yet but would like to see what it’s like to benefit from all the financial tools we’ve prepared, don’t think twice — we’ve already thought it through 😉. That’s how the NELIMITAT package came about, through which you can give entrepreneurship a real-time upgrade. It’s basically an All Inclusive package — for business.

The best part? You join the largest SME community in the country. With over 300,000 legal-entity friends who have already purchased the package, we’re looking forward to seeing you do #business at another level.

Whenever you think of #bankingladistanta, it’s good to know you’ve got a box of tools you can use as you like, non-stop. Still, if you ever miss us, we’re waiting for you in any BT branch — even just for a timely piece of advice 🤜🤛.

Editor: Mihaela Ban, Communication & PR Officer, Banca Transilvania