Taxes and fees

Last update: 09/15/2026

The most frequent operations

Cash operations

Withdrawals	At the BT counter	ATM
0 – 50.000	0.9% min 9 LEI	0 ЛЕЙ
50.000.01– 499.999,99	1,5%	0 ЛЕЇ
>= 500.000	2%	0 ЛЕЙ

Withdrawals	At the BT counter	ATM*
0 – 10,000 EUR	0.9% min 4,5 EUR	0,5% мін 3 EUR
10,000.01 – 99,999.99 EUR	1,5%	N/A
>=100,000 EUR	2%	N/A
Observations: Cash withdrawal fees depend on the type of card used, the transaction currency, and the ATM where the operation is performed. The 0 RON fee for withdrawals in RON applies only to certain types of cards and exclusively at BT ATMs. The 0.5% fee (min. 3 EUR) for foreign currency withdrawals applies only to EUR withdrawals made at BT ATMs.

Deposits	At the BT counter	ATM
Cash deposits in the accounts of individuals, at the bank counter of the account holder/authorized person/delegate	0 ЛЕЙ	0 ЛЕЙ
Cash deposits into individual accounts at the bank counter for payment of installments, on loans, credit card, credit line for the current account, in the Kidcont account, of third parties	0 ЛЕЙ	0 ЛЕЙ
Cash deposits in individuals' accounts, at the bank counter, by third parties	15 ЛЕЇ	0 ЛЕЙ

Operations through accounts

Commission value	At the BT counter	Онлайн
BT Payments - BT	8 ЛЕЇ	0 ЛЕЙ
Instant payments BT - BT via RoPay/RoPay Alias	-	0 ЛЕЙ
BT Payments – another bank
< 999,99	15 ЛЕЇ	2.5 LEI
1.000 – 49.999,99	15 ЛЕЇ	5 ЛЕЙ
>= 50.000	25 ЛЕЙ	10 ЛЕЇ
Instant BT payments - another bank via RoPay/RoPay Alias	-	0 ЛЕЙ
Плаțі BT - Victoriabank	0 ЛЕЙ	0 ЛЕЙ
BT Romania Payments - BT Italy	0 ЛЕЙ	0 ЛЕЙ

Commission value	At the BT counter	Онлайн
BT Romania Payment – BT Romania	3 EUR	0 ЛЕЙ
Плаțі BT - Victoriabank*	0 ЛЕЙ	0 LEi
Observations: It appliesă commission 0 (zero) for plаțperformed actions іin the following currencies: EUR,USD,GBP,CHF.
BT Payments Romania - BT Italy	0 ЛЕЙ	0 ЛЕЙ
BT Payments – another bank (SEPA¹ )
<1.000 LEI (equivalent in EUR)	15 ЛЕЇ	2.5 LEI
<=1,000 – 50,000 LEI (equivalent in EUR)	15 ЛЕЇ	5 ЛЕЙ
>= 50,000 LEI	25 ЛЕЙ	10 ЛЕЇ
BT Payment – another bank (non SEPA^² )	0.2% min 20 EUR (max 800 EUR)	0.1% min. 15 EUR (max. 600 EUR)
Observations: ¹SEPA (Single Euro Payments Area) is a payment system used only for cashless euro payments, available in EU member countries and in a few other states (Switzerland, Norway, and Liechtenstein). A SEPA payment must meet the following criteria: the currency in which the payment is made must be EURO; the payment must be made in a normal regime; the type of fees is SHA (meaning the fees are borne by each participant in the transaction separately); the payment is made to a bank in the EU and Switzerland, Norway, and Liechtenstein. ²Any payment that does not meet the criteria of a SEPA payment.

Operations in lei

Subscriptions

Services included in the subscription	Hello	365	Золото	Gold+
0 lei current account opening in lei	Included	Included	Included	Included
0 lei current account administration in lei	Included	Included	Included	Included
Access to the lei account through a debit card	Віза Класичний	Віза Класичний	MasterCard Золото	MasterCard Золото
0 lei commission for issuing the debit card	Included	Included	Not applicable	Not applicable
0 lei annual maintenance fee for debit card	Included	Included	Included	Included
0 lei cash withdrawal fee from BT ATM	Included	Included	Included	Included
0 lei inquiry commission balance at ATM/POS BT	Included	Included	Included	Included
0 lei for payments between BT accounts, in lei, made through electronic channels	Included	Included	Included	Included
Access to BT Pay	Included	Included	Included	Included
0 lei for collection from other banks in lei	*	Included	Included	Included
Accident insurance MLN**	Not applicable	Included	Included	Included
Life/Disability Insurance MLN**	Not applicable	Included	Not applicable	Included
Туристична страховка	Not applicable	Not applicable	Included	Included
Access to the Business Lounges of the Airports in Bucharest and Cluj-Napoca	Not applicable	Not applicable	Included	Included
Priority in Contact Center (VIP line)	Not applicable	Not applicable	Included	Included
Standard monthly cost	0 lei/ month	7 lei/ month	17 lei/ month	20 lei/ month
Observations: The contracted subscription, as well as the related cost facilities, take effect on the day of setting and are valid until the client cancels it or, as the case may be, until the termination of the business relationship between the client and the bank. For the Salut subscription, the 0 LEI cost facility for BT collections - other banks in lei will apply only if the client has had current account credits of at least 300 LEI each month. To benefit in the current month from zero commission on collections from other banks, collections from the previous month will be verified. The types of operations taken into account are: Collection through OP/processing manifest; Instant collection; Collection by phone number through BT Pay; RON current account crediting through currency exchange at standard/negotiated rate at the counter/on electronic channels; Cash deposit at the counter/unattended terminals. * If the individual benefits from the 365 or Premium+ subscription, no additional commission will be charged for the MLN accident insurance.

Services included in the subscription	Subscription ДИТИНА (0-14 years)	Subscription КОЛЕДЖ (14-18 years)	Subscription СТУДЕНТ (18-26 years)
0 lei current account opening in lei	Included	Included	Included
0 lei current account administration in lei	Included	Included	Included
Access to the lei account through a debit card	Not applicable	Віза Класичний	MasterCard OmniPass
0 lei commission for issuing the debit card	Not applicable	Included	Not applicable
0 lei annual maintenance fee for debit card	Not applicable	Included	Included
0 lei cash withdrawal fee from BT ATM	Not applicable	Included	Included
0 lei inquiry commission balance at ATM/POS BT	Not applicable	Included	Included
Access to BT Pay	BT Pay Kiddo (from 10 years old)	BT Pay Дитина	Included
0 lei for domestic RON payments made via electronic channels	Not applicable	Not applicable	Included
0 RON for BT payments - Other bank in RON, made through electronic channels	Included	Included	Included
0 lei for collection from other banks into BT account in lei	Included	Included	Included
Туристична страховка	Not applicable	Not applicable	Included
Extra options available	Kid cont Lei Kid cont Euro Current accounts in currency EUR/ FCY	Kid cont Lei Kid cont Euro Current accounts in currency EUR/ FCY	Not applicable
Standard monthly cost	0 lei/ month	0 lei/ month	0 lei/ month
Observations: The contracted subscription, as well as the related cost facilities, come into effect on the day of setting and are valid until the client cancels it or, as the case may be, until the termination of the business relationship between the client and the bank. BT payments → other bank in foreign currency RON, included in the Kid, College, and Student subscriptions, can be made in instant and standard mode, up to the limit of 49,999.99 RON.

Free interbank collections
Free interbank payments in RON currency made through electronic channels
Debit card - Visa Platinum
Free Priority Pass Membership
Access to lounges in Bucharest, Cluj-Napoca and Timișoara*
Discounts at merchants through the Visa Premium program
Access to a complex package of Roadside assistance Services**
Personal concierge services offered through our partner Consiergo
Travel insurance abroad***
Accident insurance from Metropolitan Life
Priority in Call Center
Monthly cost: 30 lei/ 60 lei/ month
Observations: * To benefit from free access to the lounges in Bucharest and Cluj-Napoca, you must have made payments to merchants with the BT Visa Platinum debit card of at least 5,000 lei in the last month (settled at least 96 hours before entering the lounge). To benefit from the bonus of 6 free entries/year to the lounges in Bucharest, Cluj-Napoca, and Timișoara, you must make payments to merchants of at least 7,500 lei in the last month (settled at least 96 hours before entering the lounge). Access to a complex package of assistant Servicesroad assistance, which includes towing services, vehicle recovery, vehicle replacement with a replacement vehicle, accommodation and other facilities, up to a maximum of 2 events/ year/ cardholder, provided that payments of at least 300 lei have been made to merchants in the last 3 months prior to the occurrence of the event. * Provides coverage for medical emergencies, including winter sports, flight delays or cancellations, lost or delayed luggage, legal assistance, and others, provided that you have paid at merchants with the card at least 300 lei in the last 3 months before the trip. **** The Premium Club subscription costs 30 lei/month for the first 3 months from activation. Starting with the 4th month, the subscription cost is dynamic, as follows: -30 RON/month for customers who meet the eligibility criteria and are classified as Premium; - 60 RON/month for clients who do not meet the eligibility criteria for the Premium category. If the Premium Club subscription is canceled within the first 3 (three) months from the activation date, the Bank will charge a cancellation fee of 100 lei. This fee applies only once, at the time of subscription cancellation.

Free interbank collections
Free interbank collections
Free RON foreign currency interbank payments, made via electronic channels
Free EUR currency SEPA payments made via electronic channels
Opening and managing a current account in RON and EUR
Free issuance and maintenance of the Mastercard Direct debit card
Free home delivery of the Mastercard Direct debit card in the European Union, the United Kingdom, and the Republic of Moldova
The first 5 cash withdrawals/month free at any ATM abroad
Preferential exchange rate, up to EUR 2,000/day
BT Pay
Extra option: Visa Classic Virtual Debit Card
Monthly fee: 0 RON/month
Observations: Citizens of Romania who establish their business relationship with the Bank through the digital onboarding process available in the BT Pay app and who declare a domicile or residence outside Romania are eligible to subscribe to the "Diaspora" subscription. Identification is made either on the basis of a valid Romanian passport proving residence abroad, or on the basis of a valid Romanian identity card/electronic Romanian identity card, with the presentation of supporting documents requested by the Bank to prove residence abroad. Eligibility to access the subscription is determined by the Bank based on the information, declarations, and documents provided by the client during onboarding, as well as following checks carried out in accordance with applicable legal provisions and internal procedures. The “Diaspora” subscription is available exclusively to individuals who open a business relationship with the Bank through the BT Pay app, starting on 08/18/2026, and who meet the applicable eligibility criteria. The subscription cannot be contracted by clients who are already customers of Banca Transilvania as of 08/18/2026.

Operations on accounts

Individuals resident in RO

0 ЛЕЙ

Non-resident individuals

0 ЛЕЙ

Receipts from BT account	0 ЛЕЙ
Receipts from BT account via RoPay/RoPay Alias	0 ЛЕЇ
Receipts from other banks	5 ЛЕЙ
Instant collections from other banks via RoPay/RoPay Alias	0 ЛЕЙ
Observations: The following are exempt from the collection commission from other banks: Collections made in the following types of accounts: share capital accounts, seizure record accounts, kid account (deposits established starting from 17.03.2014), institutionalized kid account, various debit accounts, account for loan liquidation Receipts made in classes of collateral deposit guarantees for proper execution and management guarantee Collections made in the following types of card accounts: Star Forte, Star Gold, Star Platinum, Flying Blue Classic, Flying Blue Premium, MasterCard Forte for Doctors, Visa Gold BT-Rotary
Order of paymentthe conditional received - approval	0.1% min 200 LEI
Order of paymentă conditional received - verification (ifă is the case)	0.1% min 120 LEI

Commission value	At the BT counter	Онлайн
BT Payments - BT	8 ЛЕЇ	0 ЛЕЙ
BT-BT Payments through RoPay/RoPay Alias	-	0 ЛЕЙ
BT Payments – another bank
< 999,99 LEI	15 ЛЕЇ	2.5 LEI
1,000 – 49,999.99 LEI	15 ЛЕЇ	5 ЛЕЙ
>= 50,000 LEI	25 ЛЕЙ	10 ЛЕЇ
BT instant payments - another bank via RoPay/RoPay Alias	-	0 ЛЕЙ
BT Payments - Victoriabank	0 ЛЕЙ	0 ЛЕЙ
External payment (SWIFT) in RON currency	30 ЛЕЙ	10 ЛЕЇ
BT Romania Payments - BT Italy	0 ЛЕЙ	0 ЛЕЙ
Emergency payment	16 ЛЕЇ	10 ЛЕЇ
Observations: Плаțpayments made by Direct Debit are charged the same commission as payments made at the counter. Are exempt from fees for intrabank payments: Payments made from escrow deposit accounts Payments from non-commission current accounts related to credit withdrawals Intrabank payments to the collector accounts allocated to the funds managed by BT Asset Management Payments of certified debit instruments
Observations: BNR/TRANSFOND commission for BT payments - other bank 0 – 49,999.99 LEI 0.51 LEI/ payment 50,000 LEI (or any amount disbursed in emergency regime) 6.00 LEI/payment TRANSFOND fee for BT instant payments to another bank 0.51 LEI Note: These amounts are already included in the fees for BT payments - other banks mentioned above.
Observations: The maximum limit for instant payments can be modified for limited periods of time. These changes will be communicated to customers in payment applications.

Operation type	Commission value
Collection BT – BT through debit instruments	3,5 ЛЕЇ
Collection BT – another bank through debit instruments
<49.999,99 LEI	6,88 ЛЕЙ
>50,000 LEI	8.88 LEI
Debit payment instruments through clearing on electronic support - TRANSFOND	0.88 LEI/ collection
Debit payment instruments refused - TRANSFOND	0.55 LEI/ refusal
BT Payment – BT through debit instruments	3.50 LEI
BT Payment – another bank through debit instruments
<999,99 LEI>	5 ЛЕЙ
1,000 – 49,999.99 LEI	7.5 LEI
>50,000 LEI	10 ЛЕЇ

Cash operations

Cash deposits into individual accounts, at the bank counter, from third parties

15 LEI/ deposit

Cash deposits into individuals' accounts at the bank counter for paying installments, on loans, credit card, line of credit for the current account, into the Kidcont account, by third parties

0 ЛЕЙ

Cash deposits into the personal accounts at the bank counter of the holder/ authorized person

0 ЛЕЙ

Cash deposits to individuals' accounts, made with BT card, through terminals available in BT units (BT Express, BT Express Plus)

0 ЛЕЙ

Cash deposit in currency - for amounts exceeding 100 coins/deposit2% of the deposited amount

2% of the deposited amount

Service name	Commission value
BT Pay	free
Other commissions
commission guarantee token	0 ЛЕЙ
commission token replacement	free
SMS Alert Service	5 LEI/ month/ card 1 EUR/ month/ card
Intrabank Direct Debit Service for individuals with the SMS Direct Debit option	2 ЛЕЇ/ СМС

Document type	Commission value
Account statement issuance
Monthly extracts issuance	0 ЛЕЙ
Release daily extract (current month)	1 LEU/ extract
Duplicate excerpt release	3 LEI/ duplicate extract
Commission for issuing addresses at the client's request (other than those for refinancing): official confirmation of account numbers, confirmations for audit companies, confirmations of persons authorized on the bank account	6,05 ЛЕЇ (of which 1.05 LEI VAT)
Issuance of creditworthiness letter for bank clients	121 ЛЕЙ (of which 21 LEI VAT)

Document type	Commission value
Management of garnishments
Own management commission	25 ЛЕЙ
Charge for payment attachment (payments < 50,000)	15 ЛЕЇ
Commission payment garnishment (payments >=50,000)	25 ЛЕЙ
Rental rate for safe deposit box
Small	181.5 LEI (of which 31.5 LEI VAT) + insurance premium 0.05% (min. 3 EUR)
Average	242 LEI (of which 42 LEI VAT) + insurance premium 0.05% (min. 3 EUR)
Sea	302.5 LEI (of which 52.5 LEI VAT) + insurance premium 0.05% (min. 3 EUR)
Observations: Along with the tariff, a deposit of 250 LEI is also paid to cover the potential loss of the key.
Communication of the interest rate applied by BT to deposits for a certain period	0 ЛЕЙ
Information regarding exchange rates applied in the previous period (releases of children according to the list of valid courses on a certain date)	0 ЛЕЙ
Commissions for services at Payment Incidents Center
Response to request for consultation of a UID/CNP in the national file C.I.P.	6,05 ЛЕЇ (of which 1.05 LEI VAT)
Commission for the cancellation of C.I.P. restrictions based on a final court decision	5,45 ЛЕЙ (of which 0.95 LEI VAT)
Central Commission for Consultation on Banking Risks (CRB) applicable to CRB consultations for BT non-clients	3.03 LEI/ consultation (from which 0.53 LEI VAT)
Escrow Deposit Opening Commission for individuals and legal entities with non-profit purpose	0 ЛЕЙ
Fees related to the establishment of testamentary disposition over sums of money, valuables or securities in clients' accounts
commission constitution testamentary disposition	157.3 LEI (of which 27.3 LEI VAT)
committee amendment testamentary disposition	96.8 LEI (from which 16.8 LEI VAT)
commission revocation testamentary disposition	96.8 LEI (from which 16.8 LEI VAT)

Operations on the primary market
Commission for opening individual accounts	0 ЛЕЙ
Offer brokerage commission
100,000.01 LEI - 500,000 LEI	0,15%
500,000.01 LEI - 1,000,000 LEI	0,10%
1.000.000	0,05%
Operations on the secondary market	0 ЛЕЙ
Pledge registration commission	150 ЛЕЙ
Title transfer commission (those leaving BT)	100 LEI/series
Current account commission securities individuals	0
NOTE: The competence for negotiating commissions lies with the Treasury Directorate – commercial service - The above commissions are supplemented by the commissions charged by SAFIR.
Fee for processing payment account delivery operations (sale/purchase, reversible operations, guarantee execution by sale)	3 LEI/piece
Fee for processing delivery operations without payment (portfolio transfer, guarantee enforcement by close-out, substitution of reversible operations, guarantee enforcement by sale)	4 LEI/piece
Commission for processing payment events (coupon payment, interest payment, redemptions)	0.40 LEI/piece
Fee for primary market operations (including reopening of issues)	10.50 LEI/piece
Fee for processing primary market results (including pre-exchanges)	0.40 LEI/piece
Fee for collateral processing (pledge registration, pledge substitution, disputed securities, pledge beneficiary transfer, pledged securities portfolio transfer, pledge release)	4 LEI/piece
NOTE: Centralized management fee applicable to holdings of financial instruments for which the SAFIR system acts as the issuer CSD - calculated monthly 1. The nominal value of the portfolio recorded at the end of each business day within the reference month is subject to a percentage, depending on the portfolio's value bracket, as follows: 0.00049% (<= 500,000,000 Lei), 0.00048% (500,000,001 - 10,000,000,000 Lei), 0.00047% (>10,000,000,000 Lei) 2. The values thus calculated are accumulated at the end of the month, and the result is divided by the number of working days in the respective month.

Operation name

Commission value

Custody commission (CLEARSTREAM)

0.05% - 0.10% / year negotiable, collected monthly + VAT

Payment fees

30.25 EUR/transaction (negotiable), of which VAT 5.25 EUR/payment

Amendment/Cancellation Fee

18.15 EUR/transaction, including VAT 3.15 EUR

Coupon collection

18.15 EUR/transaction, including VAT 3.15 EUR

Повернення податку

€84.70/transaction, including VAT €14.7

Cash withdrawals

From current lei account

At the BT counter
0 – 50,000 LEI 0.9% min 9 LEI
50,000.01 – 499,999.99 LEI1,5%
>= 500.000 ЛЕЙ2%

BT Express/ BT Express Plus
0 – 50,000 LEI 0 ЛЕЙ
50,000.01 – 499,999.99 LEI0 ЛЕЙ
>= 500.000 ЛЕЙ0 ЛЕЙ

POS BT
0 – 50,000 LEI 0 ЛЕЙ
50,000.01 – 499,999.99 LEI0 ЛЕЙ
>= 500.000 ЛЕЙ0 ЛЕЙ

With Visa Classic card at ATM/ POS other bank RO
0 – 50,000 LEI 2.5 LEI + 0.5%
50,000.01 – 499,999.99 LEI2.5 LEI + 0.5%
>= 500.000 ЛЕЙ2.5 LEI + 0.5%

With Visa Classic card at ATM/ POS of another bank abroad
0 – 50,000 LEI 2.5 LEI + 0.5%
50,000.01 – 499,999.99 LEI2.5 LEI + 0.5%
>= 500.000 ЛЕЙ2.5 LEI + 0.5%

From allowance account

Operation type
At the BT counter0 ЛЕЙ
BT Express/ BT Express Plus-
POS BT-
With Visa Classic card at ATM/ POS other bank RO-
With Visa Classic card at ATM/ POS of another bank abroad-

For amounts drawn from credit

Operation type
At the BT counter0 ЛЕЙ
BT Express/ BT Express Plus-
POS BT-
With Visa Classic card at ATM/ POS other bank RO-
With Visa Classic card at ATM/ POS of another bank abroad-

From the first account – financially vulnerable natural person

Operation type
At the BT counter0 ЛЕЙ
BT Express/ BT Express Plus0 ЛЕЙ
POS BT0 ЛЕЙ
With Visa Classic card at ATM/ POS other bank RO0 ЛЕЙ
With Visa Classic card at ATM/ POS of another bank abroad2.5 LEI + 0.5%

Currency operations

Operations through accounts

Individuals resident in RO

0 ЛЕЙ

Non-resident individuals

0 ЛЕЙ

EUR Account Management

0 EUR

Operation type	Commission value
SEPA/ non-SEPA receipts from other banks	0 ЛЕЙ
Non-SEPA interbank returns (including SWIFT fee)	0,2
Committee for foreign currency collection investigations	20 EUR
Receipt of payment orders:
from banks in favor of BT clients	0 ЛЕЙ
from other banks by order and/or in favor of clients of other banks headquartered in the country or abroad in installments, as follows:
<= 50,000 LEI (equivalent in EUR)	9 LEI, equivalent EUR
> 50,000 LEI (equivalent in EUR)	20 LEI, equivalent EUR
Changes or cancellations	30 EUR
Order of paymentthe conditional received - approval	0.1% min 200 LEI
Order of paymentă conditional received - verification (ifă is the case)	0.1% min 120 LEI

Payments through accounts opened at BT	At the BT counter	Онлайн
BT Romania Payment – BT Romania	3 EUR	0 ЛЕЙ
Multiple transfers in foreign currency between BT clients – transfers that have individual final beneficiaries and that have been intermediated by a BT client (receipt of funds from abroad and redistribution to BT individual clients)	10 EUR/ переказ	0 ЛЕЙ
BT Payment – another bank (SEPA )
<1,000 Lei (equivalent in EUR)	15 ЛЕЇ in equiv EUR	2.5 LEI in equiv EUR
<=1.000 – 50.000 LEI (equivalent in EUR)	15 ЛЕЇ in equiv EUR	5 ЛЕЙ in equiv EUR
>50.000 Lei (equivalent in EUR)	25 ЛЕЙ in equiv EUR	10 ЛЕЇ in equiv EUR
BT Payment – other bank (non SEPA)	0.2% min 20 EUR, max 800 EUR	0.1% min. 15 EUR, макс. 600 EUR
Processing and emergency communication fee for foreign currency payments.
<=150.000 EUR	25 EUR/ payment	25 EUR/ payment
>150.000 EUR	75 EUR/ payment	75 EUR/ payment
Commission for foreign currency payment investigations	20 EUR	20 EUR
Observations: 1 SEPA (Single Euro Payments Area) is a payment system used only for cashless euro payments, available in the EU member countries and in a few other states (Switzerland, Norway, and Liechtenstein). A SEPA payment must respect the following criteria: the currency in which the payment is made must be EURO; the payment must be made in regin normal; the type of commissions is SHA (i.e., the fees are borne by each participant in the transaction); payment is made to a bank in the EU and Switzerland, Norway and Liechtenstein. 2 Any payment that does not meet the criteria of a SEPA payment.

Registration, collection and reissue fees for bank checks in another currency and traveler's checks:
Issuance of bank checks	0.50% min. 10 EUR
check with value <5,000 EUR	1.50% min. 40 EUR/check
check with value >= 5,000 EUR	1.50% max. 300 EUR/check
NOTE: for checks in the amount ≥ 5,000, a special courier commission is also charged traveler's checks are not paid on the spot, they are processed as bank checks
Cancelled checks (upon presentation in original of checks issued by BT) or returned unpaid (of checks sent for collection)	10 EUR/cheque
Commission stop payment	commission swift message
NOTE: for point 1. and point 2. for the operations of issuing and sending foreign currency checks, the commissions are charged in the currency of the check for all the above operations, the correspondent banks' fees are also added

Cash operations

Cash deposits into individual accounts, at the bank counter, from third parties

15 LEI/ deposit

Cash deposits into individuals' accounts at the bank counter for paying installments, on loans, credit card, line of credit for the current account, into the Kidcont account, by third parties

0 ЛЕЙ

Cash deposits into the personal accounts at the bank counter of the holder/ authorized person

0 ЛЕЙ

Cash deposits to individuals' accounts, made with BT card, through terminals available in BT units (BT Express, BT Express Plus)

0 ЛЕЙ

Cash deposit in currency - for amounts exceeding 100 coins/deposit

2% of the deposited amount

Operation type	Commission value
From the current account
0 – 10,000 EUR	0.9% min 4.5 EUR
10,000.01 – 99,999.99 EUR	1,5%
>=100,000 EUR	2 %
For amounts drawn from credit	0 EUR

Card operations

Credit cards

Credit cards

NOTE:

The daily internet card transaction limit is activated upon card issuance for transactions with CVV, transactions without CVV not being allowed.

At the client's request, the bank will activate the daily transaction limit on the Internet/card for transactions without CVV, with the following mention: the cumulative daily transaction limit per card on the Internet is 20,000 RON/4,000 USD/4,000 EUR, the latter representing the maximum amount that can be transacted online with one card in a day.

Debit cards

Debit cards

NOTE:

The daily internet card transaction limit is activated upon card issuance for transactions with CVV, transactions without CVV not being allowed.

For cash withdrawals in euros from BT ATMs that dispense currency, a fee of 0.5% of the withdrawn amount applies, with a minimum of 3 EUR, at BT ATMs where this function is available.

Fee and commission calculation method for cards

The percentage fees (%) are charged as a percent of the value of each transaction made by the client: “X % * of the transaction value performed, in the currency in which the card is denominated”.
Fixed fees or charges (LEI/ EUR) are charged as a fixed amount per transaction made by the client: „X RON/ EUR / transaction”.
Combined fees and charges of type “percentage + fixed amount”: for each individual transaction, a fee/charge will be applied consisting of a percentage of the transaction value plus a fixed amount charged for each completed transaction: "(X % * the transaction amount, in the currency in which the card is denominated) + Y Lei/EUR / transaction".

All fees are established in EUR, but they can be charged in lei equivalent or other convertible currencies, according to the client's request, at the BNR conversion rate on the day of their collection. Fees in foreign currency charged in “lei equivalent” are collected at the reference rate set by BNR, valid for the day of their collection. Fees retained by correspondent banks are charged to clients who have initiated the foreign currency operations.

ⁱ (a) Commissions for operations with payment orders listed at this point do not include commissions charged by intermediary banks.

For payments under DSP* made at the counter, the amount of these fees will be calculated and communicated to the client at BT branches and agencies, before any transaction.
For payments under DSP* made through the Internet banking service, the amount of these fees is available to customers in the application used
For non-DSP* payments, the commissions of the intermediary banks are communicated to the clients and are withheld after the payment is made and will be borne as follows:

- In case of payments with the “OUR” option by the BT client ordering party of the payment

- In case of payments with the “BEN” option by the payment beneficiary

For foreign currency payments that require modifications (e.g., discrepancy between the name and beneficiary account, beneficiary account and the currency sent), it is possible that the beneficiary bank will withhold an additional fee (repair charges); in this case, the fee requested by the beneficiary bank / modified foreign currency payment is communicated to clients and subsequently withheld after the payment is made, as they are received from the beneficiary bank.

*DSP – Payment Services Directive :

Payments DSP - will include payments to DSP countries in DSP currencies
DSP countries: Austria, Belgium, Bulgaria, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Great Britain, Norway, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Spain, Sweden, Hungary, Croatia. The DSP currencies used in Banca Transilvania: EUR, Danish krone (DKK), Swiss franc (CHF), British pound (GBP), Norwegian krone (NOK), Polish zloty (PLN), Czech koruna (CZK), leu (RON), Swedish krona (SEK), Hungarian forint (HUF)

*SEPA – Єдина європейська зона платежів

SEPA Countries:
Member States of the European Union:

Eurozone countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain and Slovenia;
Non-euro area states: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden, and the United Kingdom;
Member States of the European Economic Area (European Economic Area – EEA): Iceland, Liechtenstein, Norway;
Switzerland and Monaco.

SEPA will also expand into the following territories, considered part of the European Union (Art. 299 Treaty of Rome): Martinique, Guadeloupe, French Guiana, Reunion, Gibraltar, Azores, Madeira, Canary Islands, Ceuta and Melilla and the Åland Islands

No corresponding bank commission is withheld for SEPA payments.

(b) For the collections whose payers have chosen the “SHA” or “BEN” option, the intermediary banks' fees are communicated to the clients and are withheld at the same time as the collection is made.

Transfers of foreign currency collections and payments must comply with the legality criteria arising from the legislative and internal regulatory framework in force. Depending on the risks associated with transactions from the perspective of money laundering/terrorism financing and international sanctions, Banca Transilvania:
i) does not honor any transfers with country codes under international sanctions/restrictions: Cuba, Iran, Syria, Sudan, South Sudan, North Korea, Belarus, Russian Federation, The Transnistria Region of the Republic of Moldova and the Regions of Crimea, Donetsk, Luhansk, Zaporizhzhia, and Kherson of Ukraine, Afghanistan and Venezuela.
ii) requests the presentation of supporting documents for processing transfers to/from the countries: Democratic Republic of Congo, Zimbabwe, Myanmar/Burma, Libya, Iraq, Nicaragua and Ukraine (additionally, in the case of payments it is necessary to complete the Declaration on own responsibility to inform clients regarding the risk of funds being blocked).

Eurozone countries: Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain and Slovenia;
Non-euro area states: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden, and the United Kingdom;
Member States of the European Economic Area (European Economic Area – EEA): Iceland, Liechtenstein, Norway;
Switzerland and Monaco.

Taxes and fees

The most frequent operations

Cash operations

Operations through accounts

Operations in lei

Subscriptions

Operations on accounts

Cash operations

Cash withdrawals

Currency operations

Operations through accounts

Cash operations

Card operations

Credit cards

Зірка Форте

Стар Голд

Star Platinum

BT Flying Blue Classic

BT Flying Blue Premium

Debit cards

Віртуальний Неразказаний

Віртуальний McLaren Стандарт

Віртуальний McLaren Gold

Mastercard McLaren Gold

Visa BT UNTOLD OLED

Віза BT Untold Standard

Віртуальний USD

Віртуальна Олімпіада Лей

Віртуальна Олімпіада Євро

Віза Класік

Mastercard Gold

Mastercard World

BT OmniPass

Mastercard Direct (Євро)

Visa Platinum