BT Pay, Romania’s first banking wallet app, now has over 4.6 million users. Each day, the app processes over 1 million phone payments, 400,000 transfers and 300,000 confirmations for online purchases.

Over the 8 years since launch, BT Pay has evolved from an app with just a few core features — such as contactless payment and money transfer — into a digital ecosystem where users manage their money end to end: they pay, save, invest, send and receive money, manage their cards, and access banking solutions right from the app.

From BT Pay, clients can access, alongside Banca Transilvania’s services, the solutions of BT Capital Partners, BT Asset Management, BT Pensii and BT Direct for equity investments and saving through funds (investment, pension), as well as financing.

The Donations feature, introduced in 2020, has facilitated directing over EUR 1 million to social causes and non-profit organizations. BT Pay Kiddo, launched in 2023, has over 180,000 users and supports the financial education of children and teenagers.

Eight years ago, BT Pay was a bold dream. Today it is the app that has completely changed the way people manage their money. It changed the game, raised the bar, redefined remote banking, and showed that technology can be human and accessible. It has grown steadily and healthily, becoming, for many of the 4.6 million users, their first digital wallet — and you never forget your first wallet. BT Pay shows that ambition and passion can rewrite an industry and take banking to where people need it most, into everyday life.

Oana Ilaș
Deputy CEO Retail Banking
Banca Transilvania

BT Pay launches that inspired the market:

• First contactless payments by phone (2018);
• First meal card enrolled in a wallet (2018);
• Integration with physical activity tracking apps and rewards based on activity intensity to encourage a healthy lifestyle (2018);
• First contactless cash withdrawals at BT ATMs (2019);
• Digital credit card obtained in a few minutes, which can be used immediately for purchases (2021);
• Europe’s first animated digital card, launched together with Visa (2023);
• BT Visa UNTOLD, the world’s first animated card, launched in partnership with a music festival (2023);
• Customer authentication, via BT Pay, when calling the BT Contact Center & Customer Care team (2023);
• Streamlined online payments via the Pay with BT Pay option (2024);
• First in-branch authentications using BT Pay (2025);
• First cards with a sound effect for every payment or money transfer, BT Visa UNTOLD and McLaren F1 Team Mastercard (2025);
• Integration of artificial intelligence into the app and launch of the Chat BT virtual assistant (2025).
  
  

Visa, Mastercard and Endava contributed to the development of the app — partners who support the bank’s strategy of continuously launching new features and the public’s readiness to rapidly adopt online banking solutions.