They say a year is what you make of it. For the most part, that’s how 2022 was at BT. And where it wasn’t up to us, we adapted. We’ve picked a few themes that made this year a (better) one. They’re about work, technology, better rates — but above all, about people and courage.

Good takes work

Good doesn’t just happen. It exists only when we make it — through work. The newest BT ambassador for this message is Gheorghe Hagi. A message for you, for Romania.

Brand new in Romania

Firsts take courage, exclusivity, the first step — and the right teams and partners. We marked a few this year as well. Where we were first.

Savings with a plus

BT made six successive increases in deposit rates this year. The most recent was up to 2%, on savings in lei and foreign currency, for retail and corporate clients. Our 24- and 36‑month deposits in lei now have the highest interest rates among BT’s savings products, at 7.75% and 8.5%, respectively. How to save with BT.

Every day in BT Pay

Each day means 400,000 phone payments and 130,000 money transfers. What’s new? The new BT Pay design, a fully online overdraft, Round Up — savings on every payment with BT debit cards, earning 5.25%/year — plus new options for managing your cards. Why BT Pay is a super app.

Inside BT: what our bank is, through its people

We want you to know the people who orchestrate the bank’s activity — to see BT through its people. Inside BT, launched this year, brings a series of conversations about careers, banks and banking. This is human banking. Meet Ӧmer Tetik, BT’s CEO.

Descifrat: what we talk about when we’re not talking about money

How you relate to money influences your plans and decisions. Through Descifrat, a series of interviews with people you know from online and TV, we shine a light on a wide range of topics — from spending, debt and how we decide to buy, to investing. Here are the first 10 guests and what they think about money.

Between medals, for medals

Our partnership with the Romanian Olympic and Sports Committee started this year to support athletes at the Olympic Games. Above all, it’s a partnership for Romania — and to inspire you. What happens between medals.

More sustainable

Each year we’ve aimed to be better, more sustainable. From more and more eco‑friendly cards to online banking solutions, green certifications and blue financing. The ESG rating from Sustainalytics.

Tomorrow’s banking

It’s only natural to think about tomorrow, and we see it with banks transformed into technology companies and far more digitally active customers. That’s what the future of banking looks like. On the transformational force that is digitalization, in BT’s most important interview of the year.

Thank you for being part of BT’s story ❤️.