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BT Pay User Guide

I. General

1. What is BT Pay

BT Pay is a secure IT app, as a digital wallet, accessible through the mobile phone with Internet connection. The BT Pay application can be installed from Google Play Store.

In order to benefit from the BT Pay features, it is necessary to have at least one BT debit or credit card, issued to the natural person and/or legal entity and to enroll it/them in the BT Pay application. You can also add cards issued by other financial institutions from Romania (issued to the natural person under the logo Visa/Mastercard/Maestro) with the help of which you can perform a limited number of operations, described in section 2 „BT Pay features”.

The application can be installed even on phones that do not have NFC technology, but these devices will not be able to make contactless payments to merchants.

3. BT Pay Access

The application can be used only if the phone is secured by means of password, fingerprint or other embedded security method. The phone security is checked upon the enrollment of the first card into the BT Pay application. After the enrollment of the first card, each time when the application is accessed, the phone is verified to ensure that it is secured.

The selected security method will be also used for the authentication of contactless payments, online payments, ATM cash withdrawals, transfers, additional card settings, and other options that may require authentication.

When accessing the BT Pay application, it is required to enter the following mandatory information: the phone number assigned by a mobile operator validated by entering through OTP code received by SMS on the respective phone number, username and date of birth.

II. BT card enrollment

1. How can I add a BT card in BT Pay?

For enrolling in BT Pay application, the user is required to enter the following mandatory information: the phone number assigned by a mobile phone operator validated by entering through OTP code received by SMS on the respective phone number, username and date of birth. The users are identified as bank customers based on the following data: the phone number, declared to the bank at the time of opening the business relationship or after updating the data in the system and the date of birth.

Users can add in BT Pay the following types of cards issued on behalf of a natural person or legal entity:

Users can add Banca Transilvania cards in BT Pay using the following method:

From the list of available cards to add to BTPay, this option is valid only for users identified as bank customers. They will be able to add the cards of natural and legal person issued on their behalf. In the list of available cards, users will be able to view and opt for adding the following cards in BT Pay: issued/reissued cards on behalf of the user. Manually enter the card data - card number, cardholder’s name (as it appears on the card), expiration date, CVV code (the code from 3 digits on the back of the card) is allowed for BT meal card if the customer does not have a bank account

Enrolling and activation of the card in the BT Pay application, it will be possible after introducing the code received via SMS at the phone number provided to the bank, at the date of opening the business relationship with BT or after updating the data registered in the bank’s system.

Adding the card in BT Pay also involves activating it, if the activation has not been performed in advance at a BT ATM. If the customer has added the card in BT Pay and implicitly activated it, and subsequently takes possession of the physical card, it will be necessary to perform the following operations:

  • the card is reissued at maturity - the user must perform with the physical card a first operation of „Change PIN” from the ATM menu - „PIN administration”. During this operation you will be asked for the existing pin code of the card and a new pin code, which can be the same as the existing pin code of the card. In the exceptional situation in which the user receives an error at the end of the „Change PIN” operation, he addresses to the bank the request for non-commissioned re-issuance of a new activation code, followed by the standard steps of card activation from ATM BT.
  • the card is newly issued or reissued on request - it is necessary to activate the physical card at the BT ATM and set a pin code for the issued/reissued card.

2. What is a BT card?

The card from BT Pay is a projection of the physical card that you can add in BT Pay, before being in possession of the physical card. The card has the same card details as the physical ones: card number, CVV code and expiration date. These are available in the list of cards from the application only for customers identified by the Bank - the phone number on which the application is installed is the one declared to the bank at the time of opening the business relationship or updating the data in the system and the date of birth is entered correctly.

The list of available cards for adding is accessed through the icon on the top right of the main screen of the application.

Cards can be enrolled in the BT Pay application even if the user has not taken possession of the physical card. The user can take possession of the physical card either by requesting it by courier, or by picking up the card from the territorial units of Banca Transilvania within the term established in the General Business Conditions of the Bank.

3. I am a natural person and I am not a BT client. How do I apply for a card?

The card is automatically accompanied by a physical card. You can request to open a BT account in the following ways:

  • Online - you can open in a few minutes a 100% online account and request a debit card. You will receive your IBAN account as soon as you have completed the action and you will be able transfer funds into this account. The card will be displayed in the card list in maximum 24 hours, and the physical card will be sent by courier. To open the online account, request a card and details about the process access the NeoCont webpage;
  • BT unit - you can open account and request card in any unit of Banca Transilvania. The card will be displayed in the card list in maximum 24 hours, and the physical card will be received later in the unit where you made the request.

4.What type of operations can you do with the BT Pay card?

You can do all the operations mentioned above in BT Pay features, depending on the card you have.

In short, you can pay make contactless payments but also online, because you have all the card details in Card details section. You can add the card in Google Pay, you can withdraw money from the ATM based on a code generated in the application, you can transfer money to other BT Pay clients based on the phone number, you can transfer via IBAN to natural persons or companies, BT customers or other banks customers, you can make transfers based on the phone number to non-BT accounts of the users of the Alias Pay service activated at other banks that have adhered to the SPL scheme (Standardized Proxy Lookup („participating banks”)),from debit cards issued to BT individuals, receiving of amounts in the account attached to a BT debit card issued on the account of the natural person client holder, based on phone number, from clients of other participating banks (only by activating the Alias Pay * service from BT Pay), initiating interbank transfers (to non-BT accounts) by inserting the payee's phone number (without the need to activate the Alias Pay service),payment of utility bills by accessing the Invoice Payment service, you can find your card details (card number, CVV code, expiration date, IBAN account), you can find the balance of the card, the history of transactions with the card, to lock and to unlock the card, set trading limits, etc.

Once you have entered the possession of the physical card and activated it, you will be able to withdraw cash with your own phone from the bank's contactless ATMs, an operation that involves the entering your pin code at the ATM.

Moreover, the cards that have expired and automatically reissued by the bank allow the withdrawal of the money by using the card, by using the contactless ATMs, the pin code being the same as the expired card.

5. I did not receive the OTP (one-time password) code. What can I do?

If you did not receive the OTP at the first attempt, you can use the option Resend code, available for 3 consecutive attempts. If you still don’t receive it, you can contact us in order to check your phone number, by calling us at 0264 308 028 or *8028  , from any national mobile or landline network.

6. How do I know if the card's enrollment was successful?

After entering the OTP code received via SMS, if everything is ok you will see a confirmation screen, where you will be told that the card was successfully added to the BT Pay app.

7. I could not add the BT card to BT Pay. What can I do?

If you cannot add the card, even if everything seems ok, we advise you to check the following aspects:

  • if the card is during its validity period;
  • if the requested information was correctly entered;
  • if the OTP code entered is correct.

8. How can I delete a card I have previously enrolled?

You can eliminate a card from the app anytime, accessing the card's settings and using the Delete card option. After deleting a card, if you want to add it, you will have to enroll it again. Deleting a card from the app is not equivalent to blocking the physical card.

9. Can I enroll multiple cards?

Yes, you can enroll multiple cards. Access the top right symbol from the home screen and follow the enrollment process.

10. Does the phone store my real card information?

The app only saves the last 4 digits of your card number, its expiration date and the owner's name. The app will never save the complete card number or the CVV.

11. How can I authorize the BT Pay transactions?

Transactions will be authenticated by using the phone's security/unlock method: password, fingerprint, pattern or any other security method used by the device.

12. AI had to block by physical card. Can I still use the card in the app, for phone payments?

If you block the physical card, you will not be able to pay with the card in your app either.

13. For how long will the enrolled card be valid? Is it connected to the physical card?

If your physical card expired, you will not be able to use it in BT Pay either.

14. If I enroll my card on multiple devices, should the PIN be the same on all devices?

No. The PIN will be the security/unlock method used by your device (PIN code, fingerprint, pattern etc), which is different from the card PIN code.

15. What happens if my physical card expires and I change it?

  • If we have identified you as a customer of the bank (the phone number on which the application is installed is the one declared by the bank at the time of opening the business relationship or after updating the data in the system and the date of birth is correctly entered), you will see your card in the card list area to add it. It will be available on this list in the second half of the month the card expires;
  • If we have not identified you and you are in possession of the newly issued card, you activate it and add it manually.
  • In both ways you will follow the steps of adding and confirming by entering the code received by SMS on the phone number registered in the bank system.

16. Can I change the name of the card? 

You can change the name of the card to make it easier to identify. From the card settings (option available when the card is touched - the Card settings option), select the „Change card name” option and edit it.

17. I had to lock the card from BT Pay. Can I still use the physical card?

If you lock the digital card, you will not be able to use the physical card either.

18. How do I invite a friend to BT Pay?

The BT Pay „Invite Friends” feature is periodically available in BT Pay. You will be able to access this functionality as long as you have been identified as a bank customer and you have added at least one BT card in the BT Pay application.

19. How do I add a card issued by BT Direct to BT Pay and allowed operations? 

You will be able to add cards issued by BT Direct by manually adding the card data, respectively: card number, first name, expiration date, CVV code (3-digit code on the back of the card) and authentication of the addition operation by entering the OTP code received on the telephone number registered in the system of the card issuing institution.

After enrolling the BT Direct card, the user will be able to use it to perform the following operations: contactless payments to merchants, card balance, the history of transactions with the card, enrollment of cards in the Apple Pay solution (for users of devices with iOS operating system), enrollment of cards in the Google Pay solution (for device users with Android operating system), authentication (approval or rejection, as appropriate) of online payments via BT Pay.

20. The physical card has been blocked. Can I still use that card in BT Pay?

If the physical card is blocked, you will not be able to use it from the BT Pay app either.

III. Non-BT card enrollment and allowed operations

1. How do I add a non-BT card to the application?

You can also add a non-BT card in the BT Pay application, after you have registered at least one BT card. Non BT cards are cards issued by other financial institutions in Romania, under the Visa, Mastercard or Maestro logo, enrolled in the 3D Secure service.

The option to add a non-BT card is only available if you have been identified as a bank customer based on the phone number in the bank records and the date of birth and have at least one BT card added to BT Pay.

By selecting the symbol on the top right, you will choose the option „Add card from another Bank” and enter the following data: card number, cardholder's first and last name (as they appear on the card), the card expiration date and the CVV code (the 3-digit code on the card back).

The authentication of the non-BT card operation through the 3D Secure service is applied by the card issuing institution.

After enrolling the non-BT card in BT Pay, the user has the possibility to access the Open Banking option, which allows him to view financial information from other financial institutions for which he has open accounts for 90 days. After this period, the user can re-authorize access to the data for a similar period.

In case of accessing the Open Banking functionality in BT Pay, the user of the application will also be subject to the Terms and Conditions specific to this option.

2. Can I change the name of the card?

You can change the name of the card to make it easier to identify. From the card settings (option available when the card is touched - the Card settings option), select the „Change card name” option and edit it.

3. How do I know if the non-BT card's enrollment was successful?

After entering the OTP code received via SMS, if everything is ok you will see a confirmation screen, where you will be told that the card was successfully added to the BT Pay app.

4. I could not enroll the non-BT card to BT Pay. What can I do?

If you cannot enroll the non-BT card, even if everything seems ok, we advise you to check the following aspects:

  • if the card is active and during its validity period;
  • if the requested information was correctly entered;
  • the authentication of the transaction is performed in accordance with the 3D Secure standards applied by the issuing institution of the respective non-BT card.

5. How can I delete a non-BT card I have previously enrolled?

You can eliminate a card from the app anytime, accessing the card's settings and using the Delete card option. After deleting a card, if you want to add it, you will have to enroll it again. Deleting a card from the app is not equivalent to blocking the physical card.

6. Can I enroll multiple non-BT cards?

Yes, you can enroll multiple cards. Access the top right icon from the home screen and follow the enrollment process, named „Add card from another Bank”.

7. What can I do with a non-BT card?

You will be able to transfer money:

  • to your BT cards from the application;
  • to another BT Pay user, accepting the transaction and collecting the money being possible only on a BT card.

This card will not allow you the following types of transfers: accepting the money sent from another BT card or by another BT Pay user, requesting money and split the bill.

After choosing the type of transfer you want, you will enter the transfer amount in lei and its details. In the next step, you will be informed by the BT commission for processing this transfer and you will be asked to authenticate the transaction in accordance with the 3D Secure standards applied by the issuing institution of the respective non-BT card.

There is the possibility of applying commissions related to this type of transfer by the issuing bank of the non-BT card, so please check this information with the issuing institution.

The beneficiary is notified by an SMS regarding the amount pending for acceptance. The SMS message is sent to the phone number selected by you. The SMS contains a link that:

  • If the beneficiary uses the BT Pay application (the application being installed on the device with the phone number on which he received the SMS), he will open the transfer from the application menu. The user can view the transaction details directly on the dedicated screen;
  • If the beneficiary does not use the BT Pay application (and therefore the application is not installed on the phone), the link received through the SMS message directs him to Google Play, from where he can download his application. Once the application is installed and the user has registered at least one BT card, accessing the link will open the transfer operation and the beneficiary will view the transaction details.

The beneficiary can:

  • To accept the transaction on a BT card, in which case the banking transaction (collection) is carried out; In this case, the user will also select the BT card on which he wants to collect the amount of money;
  • Allow the transfer to expire. The transfer is valid for 48 hours for transfers initiated from cards issued under the Mastercard logo and 23 hours and 30 minutes for transactions initiated from cards issued under the Visa logo, in case of expiry the amount will be returned to the card account from which the transfer was initiated after the expiry of the term.

As the Initiator of the operation (payer) you will be notified by a notification received on the phone from which you initiated the operation:

  • In case the beneficiary does not install his application successfully or is not a client of Banca Transilvania the payment operation is not honoured, the transfer will expire in 48 hours for transfers initiated from Mastercard cards or 23 hours and 30 minutes for transfers initiated from cards Visa, at which time the money will be returned to your account. There is the possibility of canceling the respective transfer by the initiator, in which case the amount is returned in the shortest time on the card account from which the transfer was initiated.

The SMS by which the beneficiary is notified that he has a transfer pending for collection contains the following information: the name of the card from which the transfer is initiated (the name and first name of the card holder, as it was completed when the card was added to the application) and the amount of the transfer.

8. How much time does it take for the transfer to be completed?

Transfers are processed instantly.

9. Where can I view the transfers made through the BT Pay application?

You can view the transfers, as well as their status in the Transfers section

10. Are there any limits on non-BT card transfers?

Yes, transfers from non-BT cards based on the telephone number (sending money, transfers between own cards) are limited by daily thresholds on the card, both in number and value, as well as through monthly thresholds on the card.

The limits for such transactions

11. Are there commissions or fees for transfers?

List of fees and commissions which are charged by BT

It is possible for these transfers to be commissioned by the issuing financial institutions.

12. Can I make transfers with cards issued in other currencies?

If the card used in BT Pay is issued in a currency other than lei, when the transaction is debited from the account to which the card is attached, the issuing bank of the card could exchange currency between the amount of the transferred amount and its value in the currency of the account at which is attached to the card, in accordance with the contract concluded between the card issuing institution and the Card holder/holder

13. What happens if my physical card expires and I change it?

If you change your physical card you will need to re-enroll it in the application.

14. How long is the enrolled card valid? Is it connected to the physical card?

If your physical card expires, you will not be able to use it in BT Pay either.

15. I had to lock my physical card. Can I still use the card in the application?

If you lock the physical card, you will not be able to use it either from the application.

16. What information can I view through the Open Banking functionality?

You can view the following information: the balance of the selected non-BT card/account for the selected non-BT card, the IBAN account for the selected card, the list of transaction history in the selected open payment accounts, including the following details: transaction date, transaction amount, transaction details.

IV. Phone payments

1. How do I pay with my phone?

After adding your cards in BT Pay, you can pay contactless with any of them through the NFC technology.

You can choose your payment method that suits you.

From Settings menu, choose the Payment Methods option and you will discover the two possibilities:

  • Unlock & Pay - unlock your phone and tap. The payment will be processed using your default card, which is the first one added in the app. If you wish to change the main payment card, you can do so from the card settings in the app. This is the quickest payment method. If you wish to pay with a different card you need to access BT Pay, choose the needed card and tap to the POS;
  • Pay only by accessing BT Pay - access the app, login with your phone's unlocking method, choose the needed card and tap to the POS

When you initiate your first mobile payment, regardless of the method chosen, you'll need to authorize it using the phone's unlocking method.

The mobile payments made with BT Pay are free.

Payments through NFC technology are not available for non-BT cards.

2. How do I set up my primary payment card?

The main payment card is the first card added to the application. If you want to change the main payment card, access the application, touch the desired card, access the Card settings (top right icon) and activate the option. The card set as the main payment will appear on the first position in the application.

3. Do I need an internet connection for phone payments?

Yes, our recommendation is to have an internet connection when you use BT Pay for phone payments. However, there is the possibility of making payments even if you don't have an internet connection, for maximum 5 transactions.

4. Where can I pay with my phone?

You can pay with your phone at every shop in Romania or abroad, which has a contactless POS. Now, 90% of Romanian terminals are contactless and this percentage is continuously increasing.

5. Is there a fee for payments made through the phone?

No. BT has no fees for this kind of payments.

6. Do I need to log into the app in order to pay?

There are 2 sort of payment methods, all of which are presented in detail in the question „How do I pay with my phone?”. Therefore, in certain conditions, you can pay only with the unlocked device.

7. Which is the limit for phone payments?

Payment limits are different according to your card type. The phone payment value is included in the shopping payment value set on the physical card.

8. How do I set BT Pay as the default payment app?

After successfully adding a card, the app will ask you if you want BT Pay to become the default payment app. By using the Replace button, you agree with making BT Pay the default payment app. If you don't agree with this, all phone payments will be done by using your default payment app.

9. Should I enable the NFC function in order to pay?

Yes, you will only be able to make phone payments if your NFC function is enabled.

10. Where and how can I see my phone transactions history?

Tap the chosen card and you will see the card transactions. You can also check the available balance for each card that was enrolled in BT Pay, both in the card's currency and in STAR points for the STAR credit cards.

Moreover, for the credit cards added in BT Pay, you can see the amount that you have to pay due to the term, as well as the minimum and maximum pay-off to be done until the 25th of the months, plus the credit limit and the used credit.

11. I cannot pay, although everything seems ok. What can I do?

If everything seems ok, but you still cannot pay, we advise you to check the following matters:

  • If you have valid and successfully registered BT cards in BT Pay;
  • If the POS where you want to pay has the contactless technology;
  • If the NFC function is enabled on your device;
  • If BT Pay is set as the default payment app;
  • If your phone's case is not too thick and is blocking the NFC waves. Try removing the case and approach the phone to the POS from another angle;
  • If you have internet connection;
  • If you unlocked the phone before trying, according to the payment settings you chose;
  • If the POS error does not indicate the exact issue.

If you checked all of the above but you still cannot pay, call us at 0264 308 028 or *8028  , from any national mobile or landline network.

12. Where can I see details about installment transactions?

The option is available in the Credit Info tab, Installment Transactions section. You will initially be able to see a summary list of installment transactions with the following details:

  • Merchant name;
  • The equivalent value of the monthly installment;
  • Number of installments remaining to be repaid.

When accessing each transaction, more details on the installment transaction will be displayed, these being:

  • Type of transaction;
  • Merchant name;
  • Initial date of the transaction;
  • The value of the initial transaction in installments;
  • Number of transaction installments;
  • The amount currently blocked in installments.

13. How do I add a BT card to Google Pay?

You can add cards to Google Pay directly from BT Pay. Access the „Add to Google Wallet” button on the main page, for each card you want to add.

14. Where can I pay with Google Pay?

Payments can be made at any post office in the country or abroad that accepts contactless payment.

15. What cards can be enrolled in Google Pay?

In the application, you can enroll all types of cards issued by BT.

16. Are Google Payments secure?

Payments are secure, Google does not store or distribute details about your cards or personal data. Each payment must be confirmed with a fingerprint, ID or password.

17. Can I see my account balance in Google Pay?

The balance can be consulted in the BT Pay application.

V. Code-based cash withdrawal for BT cards

1. How do I withdraw money from the ATM based on a code?

You can withdraw money from ATM without a card and without telephone, based on a code generated from the BT Pay application. Access the “Retrage cash” option, choose the card from which you want to withdraw the money*, select the desired amount and the phone number to which you want to send the code related to the operation. The phone number can be selected from the phonebook or entered manually.

You will be informed of the withdrawal fee and you will confirm the transaction by entering the unlock password. The cash withdrawal fee based on the code is the same as the commission used when withdrawing the money with the physical card from the ATM. The money will be blocked and returned to your account if the transaction is not completed within 60 minutes.

Within 60 minutes of generating the code, go to any ATM BT, select the „Cash fara card” option on the ATM screen, type the code received by SMS and the amount.

* the option is only valid for BT cards issued on behalf of individuals, except for the meal card ticket which does not allow the ATM cash withdrawal operation.

2. How long is the code valid?

The code is valid for a period of 60 minutes from the moment of its generation.

3. Can I regenerate or reuse the code?

Since sending the code via SMS, it will no longer be available for viewing in the application. Only one use of code/transaction is allowed.

4. Are there fees and commissions?

The cash withdrawal fee based on the code is the same as the commission used to withdraw money with the physical or contactless card and can be found at the level of each card on the Banca Transilvania' s website.

At the same time, the user is informed about the cash code-based withdrawal commission, in the application, before confirming the transaction.

5. Are there limits for withdrawals?

Yes, code-base cash withdrawals are limited by daily thresholds on the card, both in number and value:

  • a limit of maximum 3 codes generated daily, for each BT card enrolled in BT Pay;
  • a limit of at least 10 lei/transaction;
  • a maximum limit of 500 lei/transaction.

6. Where can I view the history of cash withdrawals?

The completed cash withdrawals can be viewed in the transaction history in the Card Details.

7. What data contains the transmitted SMS?

The SMS sent by BT contains only the code for the transaction

8. How can I cancel the operation?

The operation can be cancelled by calling the BT Contact Center service, phone numbers:

  • *8028  from any national network, fixed or mobile, 24/7 support;
  • 0264 308 028 from any network, including international, 24/7 support.

9. I cannot complete the operation, what can I do?

If everything seems fine, but you still can't complete the code-based cash withdrawal, we advise you to check that the data entered at the ATM is correct.

VI. BT Cards Transfers

1. How do I send money using BT Pay?

You have 2 options for sending money through BT Pay:

1.1. Money transfer to a BT inndividual client that has installed BT Pay app, based on the phone number

You can initiate the transfer by following the steps:

  • Select the Transfer option and then the Send money option;
  • Choose the contact you want to send money to, from your phone's agenda;
  • Enter the amount and the transaction details;
  • Agree with the operation and the fee, by confirming the operation;
  • Authorize the transaction by using your phone unlock method.

The beneficiary (also a BT client) is notified via SMS regarding the pending amount to be received.

The SMS will be sent to the number you select from the agenda and it contains a link which:

  • If the beneficiary uses BT Pay (by having the app installed on the device with the phone number on which it received the SMS) it opens the transfer operation in the app's menu. The user can see the transaction details directly in the dedicated screen;
  • If the beneficiary does not use the BT Pay app (by not having it installed on the device), the link directs the user to Google Play, where he can download the app. Once the app is installed and the user enrolls the cards, he can access the same link and see the transfer operation and the transaction details.

The beneficiary can:

  • Accept the transaction, in which case the cashing will be processed (in this case, he will also select the card he wants to receive the money to);
  • Let the transfer expire.

As the operation's initiator (payer), you will receive a notification on the same phone you initiated the operation from:

  • If the beneficiary does not install the BT Pay app or if he is not a BT client (hence he cannot use the BT Pay app), the operation will be canceled, the transfer will expire in 48 hours and the money will be returned to your account;
  • If you want to cancel the operation, you can do it before the beneficiary accepts the transaction.

1.2. Money transfer to any client that has opened an account to BT or any other bank, through IBAN account number:

You can transfer LEI through BT Pay to BT clients or any clients that have bank accounts opened to another bank using the option „transfer through IBAN”. Those transfers are allowed to be initiated from your BT debit cards, that are attached to your current accounts in RON.

You can choose to make a payment to a client from another bank- instantly (this type of transfer is allowed for the banks that are registered for the instant payment system), standard or urgent.

Depending on the type of payment that you chose, money will be received by the beneficiary:

  • Instant - in a few seconds, 24/7;
  • Standard - in maximum 24 h from Monday-Friday;
  • Urgent - at the same day, from Monday-Friday, if you initiate the transfer until 15:00.

Note that if you choose the transfer to a BT client the transfer will be made instant, 24/7.

The taxes and the limits for those transfer can be visualized here.

2. How do I request money using BT Pay?

You can request money from a contact in your phone agenda or by manually editing the phone number, by going through the following steps:

  • Select the Request money option, then choose the contact from your agenda you want to ask money from;
  • Enter the amount and the request details;
  • Agree with the operation and the fee, by confirming the operation;
  • Authorize the transaction by using your phone unlock method.

The payer (also a BT client) is notified via SMS regarding the pending amount to be paid. The SMS will be sent to the number you select from your agenda and it contains a link which:

  • If the payer uses BT Pay as well (by having the app installed on the device), it opens the transfer operation in the app's menu. The user can see the transaction details directly in the dedicated screen;
  • If the payer does not use the BT Pay app (by not having it installed on the device), the link directs the user to App Store, where he can download the app. Once the app is installed and the user enrolls the cards, he can access the same link and see the transfer operation and the payment details.

The payer can:

Accept the transaction, in which case the payment will be processed;


Let the request expire; Decline the request and write the rejection reason.

The beneficiary, as the operation's initiator, will receive a notification about the payer's actions. If the payer does not install the BT Pay app or if the payer is not a BT client (hence he cannot use the digital wallet), the operation will be cancelled, and the transfer request will expire in 48 hours.

3. How long does it take for the transfers to be executed? 

Depending on the type of transfer that you choose:

1. Sending or requesting money for/from a person that has installed BT Pay app- instantly after confirmation by the beneficiary/payer. This option is based on the phone number

2. Transfer between your own cards - instantly

3. Transfer through IBAN:

  • Instant- in a few seconds,24/7. This type of transfer is possible between the banks that have joined the Instant Payment technology. If the client belongs to a bank that has adhered to this technology, the Instant option will also appear;
  • Standard - in maximum 24 h from Monday-Friday;
  • Urgent - at the same day, from Monday-Friday, if you initiate the transfer until 15:00.

4. Are there any amount limits for transfers?

Yes, all transfers (sending money, requesting money and transfers between one's own cards) and transfers through IBAN, have daily limits on the card, when it comes to both the amount and the number of transactions:

  • RON transfers: minimum 5 RON/transaction, maximum 4000 RON/day/card, maximum 20 transactions/day/card;
  • EUR transactions: minimum 5 EUR/transaction, maximum 800 EUR/day/card, maximum 20 transactions/day/card.

5. What are the transfer fees?

The transfer fees are:

Find the full list of fees and commissions here

6. Where can I see all transfers done through BT Pay? 

You can see all transfers, along with their status in the section Transfers. You will also see the successful transfer operations in the transaction history in the Card Details.

7. How do I transfer money between my own cards, both enrolled in BT Pay?

You can transfer money between your own cards, both enrolled in BT Pay. Transfers between the user's own cards are only possible if the cards' accounts are different. The transaction can be authorized by entering the phone's unlock method.

Transfers between own cards involving non-BT cards are only possible when initiating the transfer from a non-BT card to a BT card.

VII. Card Details

1. Can I see the card's balance?

Tap on the chosen BT card and you will see the available balance for every BT card enrolled in BT Pay, both in the card's currency and in STAR points, for the STAR credit cards.

2. What card details are available?

For BT cards successfully enrolled in BT Pay you can view the following details related to the respective card:

  • The name of the card holder that is identical to the name inscribed on the physical card;
  • The name of the card, the one that was declared at the time of registration of the card in BT Pay;
  • The last 4 digits of the payment token allocated at the time of card registration in BT Pay;
  • The last 4 digits of the physical card;
  • Card number and CVV code, after a revalidation of the user
  • Expiration date of the physical card;
  • Card currency;
  • Swift code BT;
  • The IBAN account attached to the respective card. You can also distribute it through messaging applications installed on the phone

3. What types of transactions can I view in the transaction history? 

You can see the transactions made for any of the BT cards added in BT Pay, for example: cash withdrawals from ATMs, deposits at BT ATMs, payments at merchants' POS terminals, Internet payments, payments with BT Pay application, installments transactions, transactions from STAR points, transfers (sending or receiving money) made through the BT Pay application, certain types of creditors. At the same time, you will be able to view the expenses incurred with the cards registered in the application, grouped by categories of expenses.

4. How can I view the card number and the corresponding CVV code for the cards issued by BT, enrolled in the application?

You will have access to the information about the card number and the CVV code in the related section of Settings - Card Details, so that you can easily make online payments.

Access to this setting is allowed only after validation of the user's right to access this functionality. In this sense, for each card for which it is desired to use this functionality, an SMS-OTP will be sent to the telephone number declared at BT. By entering the code received by SMS on this phone number, it is allowed to obtain this information for the respective card until the moment when it will be deleted from the BT Pay application.

The data will be displayed on the page in just a few seconds.

5. What is the BT Pay option for category tracking of purchases made with BT cards?

BT Pay will automatically group all transactions made by card, so that you can better track your expenses. This way, you will see exactly how much cash you used (in the Cash category), how much the utilities cost, how much you spent on going out with your friends in the city (in the Restaurant category) or how much you spent on that delicious, dinner cooked by you (in the category Supermarket).

6. I have a STAR credit card. Can I find out and pay my monthly payment obligations?

If you have registered a BT credit card issued to the individual, you will see the minimum payment required, the amount deposited, the amount remaining to be paid until the full repayment of the loan committed in the previous month, as well as the credit limit granted by the bank. At the same time, in order to pay the payment obligation you can:

  • set the automatic payment of the monthly obligations (the minimum and the maximum amount of payment) from the current account of the card holder, the payment that will be made on the due date. If the due date is a non-working day, the monthly obligation will be debited on the previous working day. If you have several current accounts, the first account opened at the bank will be debited;
  • at any time supply the credit card with the minimum or maximum payment amount from any card registered in the BT Pay application.

If the card is filled or the automatic payment option is set outside the month - Saturday, from 9am to 7pm or on non-working days, the registration of the card and the option will be made on the next business day. Thus, if such an operation takes place on the due date (the 25th of each month) from a non-working day or out of the above-mentioned interval, the user understands that the monthly payment obligation will not be fulfilled in due time.

7. Card benefits

Select the desired BT card, enter the card settings and you will be able to see what additional benefits your BT card brings

8. How do I set trading limits for my personal card? 

The BT Pay application allows you to change the trading limits on BT cards, enrolled in BT Pay and also physical ones, as well as their temporary or permanent lock/unlock. Access to these settings is allowed only by entering the code received by SMS on the phone number registered in the bank's records.

Once validation is completed, for each card added to the application, you have unlimited access to these options.

You will be able to set daily limits for each BT card, within a maximum value set by the bank per type of card, for a period defined by you, but without exceeding 90 days. The limits that can be set through the BT Pay application refer to:

  • number of online and offline transactions;
  • the maximum amount that can be withdrawn from the ATM;
  • card payments in stores;
  • CVV online payments;
  • online payments without CVV.

How do you change these parameters? Select the card for which you want to make the changes, and then press the Card Settings button.

Trading limits set through the BT Pay application affect physical cards.

9. What can I do with my BT legal entity card through BT Pay? 

If you have a card issued on behalf of the legal entity, you can do the following:

  • Contactless payments to merchants with the BT card added in BT Pay;
  • Authentication of online payments;
  • View the history of the expenses incurred with the card, as well as their grouping by categories;
  • Temporary and definitive blocking of the card, enrolled in the application, as well as the physical one;
  • Viewing card details: card number, expiration date, CVV code;
  • View the benefits of cards added to BT Pay.

10. How do I access BT Pay and Moving Prizes offers?

BT Pay gives you the opportunity to receive offers in the application, you can view, save or activate them. Offers may be:

  • shopping offers, such as: offers from the merchant partners enrolled in the STAR program, intended for either all card users, or only users of a certain type of card and also offers from Banca Transilvania. The offers may be exclusive, intended for BT Pay users or may be general intended for all users of certain types of cards issued by Banca Transilvania;
  • moving prizes, which include special offers depending on the physical activity of the user performed with the Fitbit/Google Fit activity monitoring device and/or according to other criteria established within each offer, for example: payments made with the BT Pay application, with the card, with the sticker, etc.

This section can be accessed by adding your Fitbit/Google Fit account in the BT Pay application. In order to unlock the offers and implicitly be able to benefit from their advantages, you must comply with the requirements and thresholds mentioned in each offer, synchronize the bracelet with the respective application until the end of the period mentioned in the offer and have at least one BT card issued to your name and registered in BT Pay application.

Also, in this section, you will be able to view information about physical activity, for example: number of steps, number of kilometers traveled and period of activity.

If you access this section, you also comply with the Terms and Conditions, as well as the Privacy Policy of the respective application and services. In order to view the offers, you need an Internet connection

11. How do I access the update of personal data from BT through the BT Pay application?

In case of accessing this functionality, you will have the possibility to update through BT Pay some of the personal data necessary to the bank for compliance with the „know your customer” rules.

VIII. Authentication of online payments through the BT Pay app

You will be able to authenticate online transactions made with the BT card enrolled in 3D Secure, through the BT Pay application. You will use one of the biometric elements (facial recognition or fingerprint) or another existing method of securing the phone.

In order to authenticate online transactions with BT Pay, it is necessary that the enrolled cards also allow the authentication of these transactions.

1. How do I enroll a BT card in 3D Secure BT Pay?

If we have identified you in the bank's system based on the data provided (phone number and date of birth), the registration of the card in 3D Secure to authenticate online payments with BT Pay will be done automatically when the card is added to the application. If you already have the application, when you update the version you will see the cards that are automatically enrolled in 3D Secure BT Pay.

If we did not identify you in the bank's system based on the data provided or if you add an additional card or a card issued in the name of a legal entity, you will activate the option in the Card Settings. You will confirm enrollment in 3D Secure BT Pay by entering the OTP code received via SMS.

2. BT card enrollment could not be performed. What can I do?

If you received an error enrolling your card in 3D Secure BT Pay, you can resume the process from the Card Settings.

3. How do I know if the registration of the card holder was successful? 

After entering the code received via SMS (OTP), if everything is fine you will see a confirmation screen, where you will be told that the card has been added successfully.

4. I did not receive the OTP code. What can I do?

If you did not receive the OTP code from the first attempt, you can select the Resend my code option, an option valid for 3 consecutive attempts. If you still do not receive it, you can contact us at any time to check the phone number, at 0264 308 028 or *8028  , callable numbers from any national network, fixed or mobile.

5. Can I enroll my card for payment authentication in multiple devices?

Yes, you can enroll your card in several devices. Access the card settings and activate the authentication of online payments with the card enrolled in BT Pay.

The maximum number of devices in which you can enroll the card in 3D Secure BT Pay is 5 telephone devices for each card.

6. How do I unsubscribe from 3D Secure BT Pay?

To cancel this way of authentication of online payments, it is necessary to delete the card from the BT Pay application. If you have installed the application on several devices and implicitly added the card, you must delete it from all applications. Once the card is deleted, you will authenticate by SMS OTP transactions. We recommend that you keep the authentication of online transactions through BT Pay.

7. How do I authenticate online payments through BT Pay?

Following an online transaction on a 3D Secure site, you will be asked to authenticate/reject the respective payment. The message related to the authentication/rejection of such an online payment will be sent within all the applications in which the respective BT card is registered. The following information will be displayed in the user's payment authentication/rejection message: the card from which the transaction was initiated, the name of the merchant and the amount. You will be able to authenticate the transaction through the method of unlocking the phone. You have 5 minutes to authenticate or decline the transaction. Later you will return to the merchant's website to complete the order.

⠀ Authentication of the online transaction does not mean completing it. To ensure the completion of the payment, you will return to the merchant's page to see the status of the transaction.

⠀ Make sure you have General notifications enabled. You can check from the Notifications menu - Notification settings. If you have enrolled the card in several applications, you will receive notification on each device.

⠀ Enrolling the card in the 3D Secure BT Pay system implies the authentication of online transactions only with the application. You will no longer receive SMS OTP to validate these types of transactions. It is necessary to have access to the Internet.

With your permission, the payment confirmation screen can be automatically displayed, without the need to access the notification or the application, the user can confirm or cancel the payment by the phone unlock method. We will request this permission after the first confirmation of an online payment or it can be set from the advanced settings of the phone - applications section - BT Pay application.

8. What options do I have for authentication online transactions?

When initiating an online transaction you will have the following options:

  • Approval of the transaction;
  • Rejection of the transaction;
  • Closing the transaction. In this case, the transaction can be authenticated through other BT Pay applications from which the online authentication was allowed.

9. How much time do I have to authenticate these transactions?

From the moment of initiating the online transaction, you have 5 minutes to authenticate or decline the transaction.

10. I enrolled my card on two phones. How do I authenticate online payment?

You will receive notification on both devices. If you have decided to authenticate/reject the transaction on one of the devices, on the other device you will be informed about this aspect.

11. Can I authenticate transactions in other ways?

Once the card is registered in 3D Secure BT Pay, you will be able to authenticate the online transactions made with the respective card only through the BT Pay application. You will no longer receive SMS OTP as before.

12. I blocked the physical card. Can I still authenticate online payments?

If you block the physical card, you can no longer use it for online payments. In such cases, no online payment authentication notifications can be generated.

13. What information is visible on the payment authentication screen?

When initiating an online payment, a notification will be sent through the BT Pay application to all devices in which the cardholder has been authorized the functionality of authentication of online payments. All these devices will be displayed the following information related to the transaction: the card from which the transaction was initiated, the name of the merchant to which the transaction was initiated and the amount of the transaction.

IX. Alias Pay

1. What is Alias Pay and who offers it?

Alias Pay is a payment service offered by Banca Transilvania in collaboration with Transfond and other banks in Romania that have adhered to the payment scheme „SPL” - Standardized Proxy Lookup, (hereinafter „participating banks”). This service will allow you to receive, based on the phone number, amounts in lei (RON) in the personal BT account for which you have activated this service, from any client of a participating bank.

2. How do I activate the Alias Pay payment service?

To activate Alias Pay, you must be a BT individual account holder. You can activate this service through BT Pay in which we will verify your identity, through the authentication methods used in the application.

You will be able to activate Alias Pay based on the phone number declared at BT and request its association with the IBAN account related to the card that you can select from the list of cards.

You can only associate a phone number with a BT account.

Activating the Alias Pay service involves the following steps:

  • Select the Set Alias option from the main menu of the BT Pay app;
  • Select the debit card and the corresponding IBAN account for which you want the Alias setting;
  • Confirm the phone number registered with BT and your Alias;
  • Confirm the Alias setting by entering the SMS-OTP code received on the phone number.

3. How to transfer via Alias Pay? 

If you have activated your Alias Pay service, any customer of a participating bank can transfer amounts in RON to the BT account you attached to this service. It will enter in the payment application of the respective participating bank your telephone number on which you have previously activated this service.

If you want to initiate a transfer through the Alias Pay service, you will be able to perform the operation without activating your Alias Pay service. However, the beneficiary of the transfer will need to have the active service through his participating bank.

You can initiate a transfer through Alias Pay by following the steps below:

  • Select the transfer option, respectively Send;
  • Select the Transfer Alias Pay or IBAN option;
  • Enter the transaction details: the transfer amount, payment details and the telephone number of the transfer beneficiary;
  • Your transfer details will be displayed and you will be able to select the type of transfer: normal, urgent or instant (to the banks that have joined the Instant payment system);
  • Select the personal debit card from which you want to initiate the operation;
  • You give your consent regarding the operation and the applied bank commission, by confirming the operation;
  • Authorize the transaction by entering the phone unlock password.

4. How long does the transfer take through Alias Pay?

Depending on the payment method chosen, the money will be received by the counterparty:

  • Instant - in seconds, 24/7. This type of transfer is possible between banks that have joined the Instant Payment technology. If the customer belongs to a bank that has joined this technology, the Instant option will also appear;
  • Standard - in maximum 24 hours, from Monday to Friday;
  • Emergency - on the same day, from Monday to Friday, if you initiate the transfer until 15:00.

Transfers through Alias Pay are allowed from personal BT debit cards, attached to current personal accounts in lei.

5. Are there any amount limits for transfers?

Yes, transfers initiated based on phone number, transfers via IBAN and transfers via Alias Pay have daily limits on the card, when it comes to both the amount and the number of transactions:

  • RON transfers: minimum 5 RONtransaction, maximum 4000 RON/day/card, maximum 20 transactions/day/card;
  • EUR transactions: minimum 5 EUR/transaction, maximum 800 EUR/day/card, maximum 20 transactions/day/card.

6. What are the transfer fees? 

Find the full list of fees and commissions here

7. Where can I view transfers made through the Alias Pay service?

You can view the transfers, as well as their status in the Transfers section.

8. How do I delete Alias Pay?

If you no longer want to have the Alias Pay service active, but the BT account attached to it remains open, you can request the deletion of the Alias through the BT Pay application, section See your Aliases. You will then be able to resume the enrollment process in Alias Pay.

9. Can I change my Alias already set? 

If you want to change the IBAN account associated with the Alias Pay service, you can restart the Alias Pay enrollment process and select another BT card that is attached to a different current account. Thus, the initially saved information will be overwritten.

If you want to change the phone number, it is necessary to delete the initially set Alias and resume the enrollment process in Alias Pay.

10. Can I have multiple Aliases?

No. Only one association is allowed between the declared phone number and the associated IBAN account

X. Credit card

1. What is the credit card option?

The credit card granting option is a service offered by Banca Transilvania. This service will allow you to initiate a credit card application and in the situation where the internal BT credit criteria and norms are respected, to obtain the credit card and the related line.

2. How do you access the credit card option?

To access the credit card option, you must be identified as an individual customer of the bank, resident, and have at least one BT debit card issued on the personal account added to BT Pay, except for the BT meal card, that you are between 18-60 years old, you are not an employee of BT Financial Group and you do not have a STAR Forte credit card issued as a holder.

3. What are the stages of granting a credit card 

In order to obtain a credit card, you must perform the following operations:

  • photographing the identity card and confirming the data from the identity card;
  • validation of the telephone number declared to the bank and of the email address, by entering the code received by SMS;
  • acknowledging the fact that all the contractual documents and account statements related to the credit card will be sent to your validated email address;
  • filling in certain personal data regarding: marital status, studies, profession, period of employment contract, group membership, payment obligations;
  • signing the ANAF consultation agreement;
  • accepting the offer presented for issuing the credit card, including the maximum amount you can obtain, credit card specific costs, viewing the benefits of the credit card, including setting the option to automatically perform minimum/maximum turnover or no automatic turnover;
  • to confirm the collection of the card from a BT agency or the sending of the issued card to an address mentioned by you as a user of the card;
  • browsing the documents related to the credit agreement, taking note of them and signing them with a qualified electronic signature. The application of the qualified electronic signature will be done by entering the code received by SMS.

4. How much time do I have to complete the credit card application

You will have a maximum of 72 hours in which you can complete the credit card application. The first stage, of completing certain information requested by BT and of signing the agreement for the consultation of ANAF must be completed within 48 hours.

The second stage, from the moment of signing the agreement for ANAF consultation and until the moment of signing the contractual documents, must be completed within 24 hours.

If in any of the two stages the maximum term is exceeded, the user will resume the credit card issuance process from the beginning.

5. What software is used to sign documents?

The BT Pay application uses the services of Asseco and AlfaTrust. Through these integrations, the user signs both the documents necessary to consult ANAF and the documents necessary for issuing the card and granting the credit line by electronic signature.

6. How long can the new card issued in BT Pay be added?

The newly issued card will be available within a maximum of 48 hours from the moment of signing the documents necessary for granting the credit line.

7. Are there any fees and charges for issuing your credit card

List of fees and commissions which are charged by BT.

8. Can I change the credit line amount?

Yes, the amount displayed in the proposed offer represents the maximum amount of the credit line that can be granted by BT. You can change this amount by a smaller amount than the maximum amount.

9. At what address can the card be sent home by mail?

The card can be delivered both to the address in the identity card and to an address communicated by you during the online credit grant flow, in BT Pay.

XI. Invoice Payments

1. What is the Invoice Payment service?

Invoice Payments is a service offered by Banca Transilvania. This service allows individual users to pay utility bills.

2. What operations can you do within the Invoice Payment service?

Through this service, Banca Transilvania offers users access to:

a) Payment of invoices to approved providers using one of the following methods:

  • connecting the account related to an approved utility provider;
  • connecting the account to the Pago Application and importing the connected providers from the Pago Application
  • scanning an invoice received from an approved utility provider, without the previously mentioned configuration
  • requesting an amount from a third party to pay an invoice

b) Viewing the history of payments made to approved suppliers

3. How do you access the Invoice Payment service?

The Invoice Payment Service will be allowed only to BT Pay users identified as bank customers based on the phone number in the bank records and date of birth and who have at least one BT card enrolled in the application.

Within the BT Pay application, it will be possible to access the Invoice Payment functionality from the main screen of the application.

4. How do I connect my Pago account?

If you are also a user of the Pago application, you will be able to import the data from the Pago account within the BT Pay application.

This option will be visible both at the first access and after, after deleting all connected providers.

The data import mechanism is performed as follows:

  • In the Pago application a code will be displayed for the connection in BT Pay;
  • In the BT Pay application you will enter the email address related to the account in the Pago application together with this code, which was displayed in the Pago application;
  • If the code and email address are successfully validated, then your Pago account will be connected to BT Pay.

Following the import of the data, the connected suppliers will be displayed through the Pago application, as well as the data about the invoices to be paid or those paid.

This data synchronization will be performed only when connecting the Pago account through the BT Pay application. Subsequently, no more synchronizations of this data will be made. Thus, any change within the Pago application or within the Invoice Payment functionality of BT Pay will not be visible in the other application.

5. How do you connect providers?

The BT Pay user will be able to connect their utility providers from the main screen of the application.

You will thus have to accept the terms and conditions of use of the service within BT Pay and to confirm to us that you have taken note of the related Policy Notice. Later, you will be able to select the desired provider categories.

After selecting the providers from the desired provider categories, you will be able to connect each provider by entering the connection data requested by each provider.

It is possible to connect to the same provider with different connection data, so on several customer accounts. As a result, the same provider will appear more than once.

In case of connection of certain providers, mark in the application with a distinct symbol, respectively , it will be necessary to activate one of the paid options.

In the case of certain providers, the prior consent of the customer is required for accessing the account data to the provider. In this case, when initiating the connection to the provider from the application, if you have not given your prior consent, then you will be directed to the provider's website where you will be able to give your consent to the use of personal data.

You will also be able to connect multiple consumer accounts from the same provider.

6. How do you view the invoices issued?

After successfully connecting at least one supplier within the Invoice Payment functionality, you will be able to view the history of paid invoices, as well as those that must be paid.

Invoices that have not already been paid will be viewable at the vendor level by choosing the vendor, or at the aggregate level as a total of invoices from all connected vendors.

For each invoice to be paid, you will be able to perform one of the following actions:

  • You will be able to view the invoice in pdf format;
  • You will be able to request payment of the invoice;
  • You will be able to select the invoice to be paid.

For any questions or inaccuracies regarding this information, you can contact the supplier issuing the invoice.

7. How do you pay an invoice?

You will be able to pay one or more invoices simultaneously, according to your choice.

Payment of invoices may be possible only as full payment of the respective invoice/invoices; partial payments of an invoice cannot be made.

Payment of invoices can be made from any account attached to a debit or credit card issued by Banca Transilvania, as a natural person, enrolled in BT Pay. You will not be able to pay bills with the meal voucher card.

Confirmation of the payment operation will be done by entering the screen unlock method.

Payments are recorded with the date of the day on which the payment was made, the updating of the payer's situation in the supplier's records is made according to the supplier's procedures, independent of the bank's control.

8. How do you scan and pay an invoice?

For some providers you will also have the possibility to pay the invoice by scanning the barcode.

In order to use this functionality, you will need to grant access to the camera.

For a scanned invoice, in some cases, you need to enter certain data for the invoice you want to pay. The data required to be entered by the user after scanning an invoice are specific to each supplier, according to his requirement.

Confirmation of the payment operation of a scanned invoice will be done by entering the method of unlocking the phone.

9. What is the cost charged by Banca Transilvania for the payment of invoices?

Banca Transilvania will not charge commissions for the payment of invoices.

10. How can I delete the providers enrolled in Invoice Payments?

A provider added to the application can be deleted, regardless of its status: connected, disconnected or disconnected.

If a provider is deleted, you will be able to re-add that provider later.

The deletion is initiated by pressing the delete button/icon from the supplier details within the Invoice Payment service

11. What are the options related to the Invoice Payment service?

For the invoice payment service offered in BT Pay, you will be able to opt for one of the existing options:

  • Free: it is a free, default option, in which you can make up to four invoice payments per calendar month, except for payments to suppliers marked by the specific symbol;
  • Plus Bills: it is an option paid monthly in advance for the following month, in the amount of 5 lei/month, during which you will be able to make a maximum number of 8 invoice payments per month, including at the suppliers marked with;
  • Unlimited Bills: it is an option paid monthly, in advance for the following month, in the amount of 15 lei/month, during which you will be able to make an unlimited number of invoice payments, including to the suppliers marked with.

You will be able to select an option after connecting at least one provider account. The options are visible in the Settings section of BT Pay.

In case of selecting the Plus Bills or Unlimited Bills option, you will have to select your own card issued by Banca Transilvania in your name from the attached account to which the equivalent value of the selected option will be debited monthly. You will benefit from a test period (also called the trial period) of 15 days, after which the first payment for the option from the selected card will be made. The equivalent value of the option will be deducted from the account attached to the card, regardless of whether you will make the number of payments related to the respective option after the 15 days of testing. Thus, the first payment of the selected option will be made from the chosen card on the 16th day after selecting the type of option.

The option to activate a paid option is presented to you when you want to make more than 4 invoice payments during a calendar month or you want to connect a provider marked with.

In case of changing the type of option from Plus Bills to Unlimited Bills, at the time of the change, the cost difference between the Plus Bills option and the Unlimited Bills option for the current month will be charged

In case of changing the type of option from Unlimited Bills to Plus Bills, the benefits from the Unlimited Bills option will remain active until the end of the invoiced month.

If at the time of any option payment you no longer have your own card issued by Banca Transilvania in your name already selected for payment in the application or if the account balance is not enough, then the payment of the option cannot be made, and the option will be closed; you will be informed about this by a notification within the application.

If you unsubscribe during the trial period, and then subscribe again, on the date of subscription you will pay the cost of the selected option, as the free trial period is offered only once for the 15 days.

If you want to remove the paid option, you can request it through the BT Pay application. Benefits for the current month will remain active until the end of the paid period.

If you activate one of the Plus Bills or Unlimited Bills options and delete the BT Pay application, the selected option will not be deactivated automatically. It is necessary to consider canceling the option in BT Pay before deleting the application.

12. Will my subscription be imported from the Pago Application and the Invoice Payment Service?

If there is an active subscription in the Pago application, it is not taken over in the BT Pay application. If you want to unsubscribe from the Pago application, follow the specific steps of this application.

13. How long does it take to confirm payments to the supplier?

Payments related to utility bills are settled in up to 3 working days. After confirmation, the payments also appear at the suppliers on the day when they were operated within the Invoice Payments service.

14. Some invoice information are incorrect. How do I proceed?

The information in your bills are taken from the online accounts of each provider. In such cases, please contact the respective provider.

BT Pay Features

BT Pay Features
BT cards Natural
BT cards Legal entity
Non-BT cards 
Contactless payment to merchants - Valid only for phones with built-in NFC technology
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m
r
Online payment authentication through BT Pay
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m
r
Adding the card to Google Pay
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r
Activate BT cards through BT Pay
m
m
r
Money transfer between own cards*
m
r
m**
Money transfer to other users*
m
r
m**
IBAN account transfer*
m***
r
r
Activate Alias Pay
m***
r
r
Money transfer using Alias Pay
m***
r
r
Status of transfers made through BT Pay
m
r
m
ATM Code-based money withdrawals*
m
r
m
Contactless ATM withdrawals
m
m
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Balance view
m
m
r
STAR points balance view for STAR cards
m
r
r
Open Banking
r
r
m
View details related to installment transactions
m
m
r
Display the expenses incurred with the card, grouped into categories
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m
r
Display the benefits related to the enrolled BT card
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m
r
Viewing the monthly payment amounts for credit cards – anytime, from the BT cards enrolled in BT Pay or automatic payment, on due date, from the card holder’s current account
m
r
r
Setting daily trading limits of cards
m
r
r
Temporary or permanently blocking of cards
m
m
r
Unlocking of digital and physical cards
m
r
r
Shopping offers, services and products offers of Banca Transilvania, as well as offers from partners
m
m
m
Viewing the card details (card number, CVV code, expiry date, IBAN account details)
m
m
r
Credit card
m
r
r
Invoice Payments
m***
r
r

*except for the BT meal ticket card;

**is allowed only the transfer from a non-BT card to a BT card. If a transfer from a non-BT card to another BT Pay user is initiated, the recipient can only accept the money on a BT card. Functionality is allowed only for debit or credit cards issued on accounts held by individuals;

***possible only from debit cards, attached to LEI current account.