Taxes and fees
Last updated: 08/18/2026
The most frequent operations
Cash operations
Withdrawals
At the BT counter
ATM
0 – 50.000
At the BT counter
0.9% min 9 LEI
ATM
0 ЛЕЙ
50.000.01– 499.999,99
At the BT counter
1,5%
ATM
0 ЛЕЇ
>= 500.000
At the BT counter
2%
ATM
0 ЛЕЙ
Withdrawals
At the BT counter
ATM*
0 – 10,000 EUR
At the BT counter
0.9% min
4,5 EUR
ATM*
0,5% мін
3 EUR
10,000.01 – 99,999.99 EUR
At the BT counter
1,5%
ATM*
N/A
>=100,000 EUR
At the BT counter
2%
ATM*
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
At the BT counter
0 ЛЕЙ
ATM
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
At the BT counter
0 ЛЕЙ
ATM
0 ЛЕЙ
Cash deposits in individuals' accounts,
at the bank counter, by third parties
At the BT counter
15 ЛЕЇ
ATM
0 ЛЕЙ
Operations through accounts
Commission value
At the BT counter
Онлайн
BT Payments - BT
At the BT counter
8 ЛЕЇ
Онлайн
0 ЛЕЙ
Instant payments BT - BT via RoPay/RoPay Alias
At the BT counter
-
Онлайн
0 ЛЕЙ
BT Payments – another bank
At the BT counter
Онлайн
< 999,99
At the BT counter
15 ЛЕЇ
Онлайн
2.5 LEI
1.000 – 49.999,99
At the BT counter
15 ЛЕЇ
Онлайн
5 ЛЕЙ
>= 50.000
At the BT counter
25 ЛЕЙ
Онлайн
10 ЛЕЇ
Instant BT payments - another bank via RoPay/RoPay Alias
At the BT counter
-
Онлайн
0 ЛЕЙ
Плаțі BT - Victoriabank
At the BT counter
0 ЛЕЙ
Онлайн
0 ЛЕЙ
BT Romania Payments - BT Italy
At the BT counter
0 ЛЕЙ
Онлайн
0 ЛЕЙ
Commission value
At the BT counter
Онлайн
BT Romania Payment – BT Romania
At the BT counter
3 EUR
Онлайн
0 ЛЕЙ
Плаțі BT - Victoriabank*
At the BT counter
0 ЛЕЙ
Онлайн
0 LEi
Observations:
It applies ăcommission 0 (zero) for plаțperformed actions іin the following currencies: EUR,USD,GBP,CHF.
BT Payments Romania - BT Italy
At the BT counter
0 ЛЕЙ
Онлайн
0 ЛЕЙ
BT Payments – another bank (SEPA¹ )
At the BT counter
Онлайн
<1.000 LEI (equivalent in EUR)
At the BT counter
15 ЛЕЇ
Онлайн
2.5 LEI
<=1,000 – 50,000 LEI (equivalent in EUR)
At the BT counter
15 ЛЕЇ
Онлайн
5 ЛЕЙ
>= 50,000 LEI
At the BT counter
25 ЛЕЙ
Онлайн
10 ЛЕЇ
BT Payment – another bank (non SEPA² )
At the BT counter
0.2% min 20 EUR
(max 800 EUR)
Онлайн
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
Hello
365
Золото
Gold+
0 lei current account administration in lei
Hello
365
Золото
Gold+
Access to the lei account through a debit card
Hello
Віза
Класичний
365
Віза
Класичний
Золото
MasterCard
Золото
Gold+
MasterCard
Золото
0 lei commission for issuing the debit card
Hello
365
Золото
Gold+
0 lei annual maintenance fee for debit card
Hello
365
Золото
Gold+
0 lei cash withdrawal fee from BT ATM
Hello
365
Золото
Gold+
0 lei inquiry commission balance at ATM/POS BT
Hello
365
Золото
Gold+
0 lei for payments between BT accounts, in lei made through Internet/ mobile banking
Hello
365
Золото
Gold+
Access to BT Pay
Hello
365
Золото
Gold+
0 lei for collection from other banks in lei
Hello
*
365
Золото
Gold+
Accident insurance MLN**
Hello
365
Золото
Gold+
Life/Disability Insurance MLN**
Hello
365
Золото
Gold+
Туристична страховка
Hello
365
Золото
Gold+
Access to the Business Lounges of the Airports in Bucharest and Cluj-Napoca
Hello
365
Золото
Gold+
Priority in Contact Center (VIP line)
Hello
365
Золото
Gold+
Standard monthly cost
Hello
0 lei/ month
365
7 lei/ month
Золото
17 lei/ month
Gold+
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
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
0 lei current account administration in lei
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
Access to the lei account through a debit card
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Віза
Класичний
Subscription
СТУДЕНТ
(18-26 years)
MasterCard
OmniPass
0 lei commission for issuing the debit card
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
0 lei annual maintenance fee for debit card
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
0 lei cash withdrawal fee from BT ATM
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
0 lei inquiry commission balance at ATM/POS BT
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
0 lei for intrabank payments in lei made via Internet
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
Access to BT Pay
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
0 lei for intrabank payments in lei made through mobile banking
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
0 lei for collection from other banks into BT account in lei
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
Туристична страховка
Subscription
ДИТИНА
(0-14 years)
Subscription
КОЛЕДЖ
(14-18 years)
Subscription
СТУДЕНТ
(18-26 years)
Extra options available
Subscription
ДИТИНА
(0-14 years)
Kid cont Lei
Kid cont Euro
Current accounts
in currency
EUR/ FCY
Subscription
КОЛЕДЖ
(14-18 years)
Kid cont Lei
Kid cont Euro
Current accounts
in currency
EUR/ FCY
Subscription
СТУДЕНТ
(18-26 years)
Standard monthly cost
Subscription
ДИТИНА
(0-14 years)
0 lei/ month
Subscription
КОЛЕДЖ
(14-18 years)
0 lei/ month
Subscription
СТУДЕНТ
(18-26 years)
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.
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.
**** Starting from July 16, 2025, the subscription cost will be dynamic, as follows:
- 30 lei/ month – as long as the client is classified as Premium (meets the eligibility conditions);
- 60 lei/ month – in case the client loses Premium client status but wants to keep the subscription.
In the first 6 months from launch (until the date of July 16, 2025), the ‘Premium Club’ subscription will have a fixed cost of 30 lei/ month, even if the client no longer falls within the ‘Premium’ category.
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
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
At the BT counter
8 ЛЕЇ
Онлайн
0 ЛЕЙ
BT-BT Payments through RoPay/RoPay Alias
At the BT counter
-
Онлайн
0 ЛЕЙ
BT Payments – another bank
At the BT counter
Онлайн
< 999,99 LEI
At the BT counter
15 ЛЕЇ
Онлайн
2.5 LEI
1,000 – 49,999.99 LEI
At the BT counter
15 ЛЕЇ
Онлайн
5 ЛЕЙ
>= 50,000 LEI
At the BT counter
25 ЛЕЙ
Онлайн
10 ЛЕЇ
BT instant payments - another bank via RoPay/RoPay Alias
At the BT counter
-
Онлайн
0 ЛЕЙ
BT Payments - Victoriabank
At the BT counter
0 ЛЕЙ
Онлайн
0 ЛЕЙ
External payment (SWIFT) in RON currency
At the BT counter
30 ЛЕЙ
Онлайн
10 ЛЕЇ
BT Romania Payments - BT Italy
At the BT counter
Онлайн
0 ЛЕЙ
Emergency payment
At the BT counter
16 ЛЕЇ
Онлайн
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 Commission for BT instant payments - other bank 0.45 LEI
Note: These amounts are already included in the fees for BT payments - another bank 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
Commission value
<49.999,99 LEI
Commission value
6,88 ЛЕЙ
>50,000 LEI
Commission value
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
Commission value
<999,99 LEI>
Commission value
5 ЛЕЙ
1,000 – 49,999.99 LEI
Commission value
7.5 LEI
>50,000 LEI
Commission value
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
Commission value
free
Other commissions
Commission value
commission guarantee token
Commission value
0 ЛЕЙ
commission token replacement
Commission value
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
Commission value
Monthly extracts issuance
Commission value
0 ЛЕЙ
Release daily extract (current month)
Commission value
1 LEU/ extract
Duplicate excerpt release
Commission value
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
Commission value
Own management commission
Commission value
25 ЛЕЙ
Charge for payment attachment (payments < 50,000)
Commission value
15 ЛЕЇ
Commission payment garnishment (payments >=50,000)
Commission value
25 ЛЕЙ
Rental rate for safe deposit box
Commission value
Small
Commission value
181.5 LEI (of which 31.5 LEI VAT) +
insurance premium 0.05% (min. 3 EUR)
Average
Commission value
242 LEI (of which 42 LEI VAT) +
insurance premium 0.05% (min. 3 EUR)
Sea
Commission value
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
Commission value
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)
Commission value
0 ЛЕЙ
Commissions for services at Payment Incidents Center
Commission value
Response to request for consultation of a
UID/CNP in the national file C.I.P.
Commission value
6,05 ЛЕЇ
(of which 1.05 LEI VAT)
Commission for the cancellation of C.I.P. restrictions
based on a final court decision
Commission value
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
Commission value
3.03 LEI/ consultation
(from which 0.53 LEI VAT)
Escrow Deposit Opening Commission for individuals and legal entities with non-profit purpose
Commission value
0 ЛЕЙ
Fees related to the establishment of testamentary disposition over sums of money, valuables or securities in clients' accounts
Commission value
commission constitution testamentary disposition
Commission value
157.3 LEI
(of which 27.3 LEI VAT)
committee amendment testamentary disposition
Commission value
96.8 LEI
(from which 16.8 LEI VAT)
commission revocation testamentary disposition
Commission value
96.8 LEI
(from which 16.8 LEI VAT)
Commission for opening individual accounts
0 ЛЕЙ
Operations on the primary market
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.
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
Operation type
Commission value
SEPA/ non-SEPA receipts from other banks
0 ЛЕЙ
Committee for foreign currency collection investigations
20 EUR
Receipt of payment orders:
Commission value
from banks in favor of BT clients
Commission value
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:
Commission value
<= 50,000 LEI (equivalent in EUR)
Commission value
9 LEI, equivalent EUR
> 50,000 LEI (equivalent in EUR)
Commission value
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
At the BT counter
3 EUR
Онлайн
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)
At the BT counter
10 EUR/ переказ
Онлайн
0 ЛЕЙ
BT Payment – another bank (SEPA )
At the BT counter
Онлайн
<1,000 Lei (equivalent in EUR)
At the BT counter
15 ЛЕЇ
in equiv EUR
Онлайн
2.5 LEI
in equiv EUR
<=1.000 – 50.000 LEI (equivalent in EUR)
At the BT counter
15 ЛЕЇ
in equiv EUR
Онлайн
5 ЛЕЙ
in equiv EUR
>50.000 Lei (equivalent in EUR)
At the BT counter
25 ЛЕЙ
in equiv EUR
Онлайн
10 ЛЕЇ
in equiv EUR
BT Payment – other bank (non SEPA)
At the BT counter
0.2% min 20 EUR,
max 800 EUR
Онлайн
0.1% min. 15 EUR,
макс. 600 EUR
<=150.000 EUR
At the BT counter
25 EUR/ payment
Онлайн
25 EUR/ payment
>150.000 EUR
At the BT counter
75 EUR/ payment
Онлайн
75 EUR/ payment
Commission for foreign currency payment investigations
At the BT counter
20 EUR
Онлайн
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.
Issuance of bank checks
0.50% min. 10 EUR
Registration, collection and reissue fees for bank checks in another currency and traveler's checks:
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
Commission value
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.
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.
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.
