Terms and conditions for using the BT Pay mobile application

Last updated on 08.10.2026

BT PAY and the agreement to use the application

These terms and conditions (hereinafter referred to as the “BT Pay Terms”) constitute a legally binding agreement between Banca Transilvania S.A., a credit institution established in Romania, with its registered office at 30–36 Calea Dorobanților, Cluj-Napoca, Cluj County, registered with the Trade Register under no. J1993004155124, unique registration code RO 5022670 (hereinafter referred to as “BT” or the “Bank”), and you (the “customer” or the “user”), regarding the use of the functionalities of the BT Pay mobile application (hereinafter referred to as the “Application” or “BT Pay”). They apply as follows:

A. Qualora siate clienti della Banca Transilvania S.A. – Filiale Italia (BT Italia)

Per i clienti della Banca Transilvania S.A. – Filiale Italia (BT Italia) si applica la versione vigente dei presenti Termini e Condizioni disponibile qui.

B. If you are an adult customer (“adult user”):

We recommend that you read these BT Pay Terms in full before deciding whether to accept them and continue the registration process. If you do not agree with any provision of the BT Pay Terms, or if you refuse the processing of your personal data as described in the Information Notice regarding the processing of personal data in BT Pay, please do not access, browse or use the Application or any software, services, information, materials or other content made available through it.

BY CLICKING THE “I AGREE” BUTTON BELOW, YOU AGREE WITH THE USE OF BT PAY UNDER THE CONDITIONS STIPULATED IN THE TERMS OF USE AND THE INFORMATION NOTICE REGARDING THE PROCESSING OF PERSONAL DATA IN BT PAY.

C. If you are a minor customer aged between 14 and 18 and you have BT Pay linked to your account opened at BT:

In order to access/use in BT Pay the functionalities available to minor users who have BT Pay linked to their account opened with BT, one of your parents, your guardian or your legal representative (hereinafter referred to as the “parent”) must give their consent to the Bank by accepting the Terms and Conditions for the use of the BT Pay Kiddo functionality for minors aged 14 to under 18 who have an account opened with BT (hereinafter referred to as the “BT Pay Kiddo Terms for minors who have a BT account”).

Even if your parent accepts the BT pay Kiddo Terms for you, we recommend that you read these BT pay Terms yourself or – if some words are not clear – with your parent. Please note that the provisions of section 3. What you can do in BT pay from these BT pay Terms, you only apply to operations that may be performed by minors over 14 years of age, as described in the BT pay Kiddo Terms of use. We also mention that the processing of your personal data is carried out according to the information that is prepared specifically for you: Information note on the processing of personal data of minor users in BT PAY for more than 14 years

who have BT account. If you do not agree with any of the provisions of the BT pay Terms that are also applicable to minor users or if you do not wish to have your personal data processed as we have informed you through the Information note on the processing of personal data of minor users in BT PAY for more than 14 years who have BT account, please do not access, browse or use the application, nor the software, services, information, materials or other such contained in the application.

BY CLICKING ON THE “I AGREE” BUTTON BELOW, YOU AGREE TO THE USE OF BT PAY UNDER THE CONDITIONS MENTIONED IN THE BT PAY TERMS APPLICABLE TO MINORS AND IN THE INFORMATION NOTE REGARDING THE PROCESSING OF PERSONAL DATA OF USERS OVER 14 YEARS OF AGE IN BT PAY WHO HAVE BT ACCOUNT.

D. If you are a minor customer aged between 8 and under 18 and you want to use BT Pay on your parent’s account:

In order to be able to access/use in BT Pay for minor users who have a card issued on their name but attached to the parent's account (hereinafter “minors attached to the parent’s account”), it is necessary for a parent, guardian, or legal representative of yours (hereinafter “parent”) to express their agreement in this respect at the bank by accepting the Terms and Conditions of Use of BT Pay Kiddo for minors attached to the parent's account (hereinafter „BT Pay Kiddo terms for minors attached to the parent's account”).

If you are at least 8 years old and have not yet turned 18, you may use BT Pay with a card issued in your name and attached to your parent’s account. Your parent must apply in BT Pay so that you can receive access to the Application and a BT card can be issued to you.

Even if your parent accepts for you the BT Pay Kiddo Terms for minors attached to the parent account, we recommend you to read these BT Pay Terms as well, alone or – if you are not clear some words – with your parent. We specify that, of the provisions of Section 3. What you can do in BT Pay from these BT Pay Terms, only those described in V-Functions BT Pay Kiddo from the BT Pay Kiddo Terms apply to you for minors attached to the parent account. We also mention that the processing of your personal data is carried out according to the information that is prepared specifically for you: Information note regarding the processing in BT PAY of the personal data of minor users attached to the parent's account.

If you do not agree with any of the provisions of the BT Pay Terms that are applicable to minor users under 14 years of age or if you do not want your personal data to be processed as I have brought to your attention by the Information Note regarding the processing in BT Pay of the personal data of the minor users attached to the parent account, please do not access, navigate or use the application, application, nor the software, services, information, materials or other such contained in the application.

BY CLICKING THE BUTTON „I AGREE” BUTTON BELOW, YOU AGREE WITH THE USE OF BT PAY IN CONDITIONS MENTIONED IN BT PAY TERMS APPLICABLE TO MINORS AND IN THE INFORMATION NOTE ON THE PROCESSING IN BT PAY OF THE PERSONAL DATA OF THE MINOR USERS ATTACHED TO THE PARENT’S ACCOUNT.

If, at any time after registering in BT PAY, you decide that you no longer agree with these BT Pay Terms, please uninstall the Application.

The terms establish the manner in which you can use in the BT Pay app the cards issued by Banca Transilvania– (hereinafter referred to as “BT Cards”), the cards of other financial institutions from Romania issued under the brand of Visa, Mastercard or Maestro, enrolled in the 3D Secure BT Direct Cards Service (hereinafter referred to as “non-BT Cards”) and cards issued by BT Direct(hereinafter referred to as “”) as well as access to accounts opened in the client's name at Banca Transilvania. The terms are supplemented by the General business conditions of Banca Transilvania applicable to individuals and legal entities (hereinafter referred to as GBC), but also by the official rules of the loyalty programs and of the interest free installment payment programs, with respect to credit cards.

All these documents are available on the bank’s website www.bancatransilvania.ro and www.starbt.ro.

In order to use BT Pay, respectively to view and/or access the services available through the Application, you must be a BT customer (current account holder) and/or hold at least one BT or BT Direct debit or credit card issued to an individual and/or a legal entity.

By signing up to the application, you confirm that you meet the legal requirements and that you are not under any interdiction to use a service similar to BT Pay.BT makes every effort to prevent the inappropriate use of this application and its related facilities. The Bank will monitor how the application is used to verify that it complies with these Terms and that the services are not used in an abusive or illegal manner.

How do you access BT PAY?

BT PAY is a secure mobile banking IT application, accessible through a mobile phone with an Internet connection. The Application may be used on devices with iOS and Android operating systems and must be installed from the dedicated stores: Google Play Store for Android, Huawei App Gallery for Huawei phones without access to Google services, respectively App Store for iOS.

If the Bank runs specific campaigns in which BT Pay users are given the possibility to send personalized links through which the Application can be downloaded, BT Pay may also be downloaded by the persons who receive the link in this way, as part of “Invite your friends to BT Pay” campaigns. You will still be redirected to the dedicated stores, namely Google Play Store for Android, Huawei App Gallery for Huawei phones without access to Google services, respectively App Store for iOS, in order to download the Application.

In certain situations, the Bank may run prize campaigns in which persons who install BT Pay by accessing a personalized link received from BT Pay users may benefit from the prizes mentioned in the rules of the respective campaign, provided that they meet the eligibility criteria. The campaign rules will be available on the Bank’s website, www.bancatranilvania.ro, where they may be consulted.

Users may use and add BT and non-BT Cards and may use the Application functionalities, described in detail in the guides specific to each operating system:

www.bancatransilvania.ro/wallet-bt-pay/ghid-ios-en/

www.bancatransilvania.ro/wallet-bt-pay/ghid-android-en/

1. Opening a business relationship with Banca Transilvania through BT Pay

To support individuals who wish to establish a banking relationship with BT, the Bank offers Romanian citizens aged 18 or over the possibility of becoming BT customers and opening a current account directly through the BT Pay mobile application.

To apply for opening a business relationship with BT through BT Pay, the above-mentioned persons must hold an identity document issued in Romania, namely an Identity Card (CI) or an Electronic Identity Card (EC). For Romanian citizens with domicile or residence abroad, enrollment in the Application may also be carried out based on a Romanian passport issued for Romanian citizens domiciled abroad, which is within its validity period.

Requests to open a business relationship initiated through BT Pay may be:

Approved immediately after completing the application process for opening the business relationship through BT Pay;
Approved in the following hours or on the following working days after the completion of this application process;
Refused, in certain situations.

Regardless of the final resolution from the Bank, the applicant is informed directly in the application through a "push notification" type of communication.

Applying to open a business relationship with the Bank through BT Pay involves the acceptance of these BT Pay Terms and entails the processing of personal data as specified in the specific information notice.

2. Authentication in the application

The registration of the user will be done by the application by the bank of the strict authentication procedure of the clients, as it is defined in the incident legislation regarding the payment services.

The registration involves the processing of some personal data, as we present in detail in the dedicated information note regarding the processing of personal data for the purpose of identification in BT Pay.

Following the registration made according to this point, depending on the category to which he belongs, i.e. individual bank client or card user, the user will have access to all the functionalities of the application or only to some of them, as mentioned in the specific guides indicated above.

Clients holding accounts opened at Banca Transilvania – Italia, who joined the BT Pay Italia application using an identity card issued in Romania and who have accounts /deposits opened at Banca Transilvania Romania, will be able to view and perform transactions from the accounts/deposits of Banca Transilvania Romania.

3. Card enrollment

Users can access in BT Pay the following types of cards issued in the name of an individual or a legal entity:

A. BT cards

BT cards issued in the name of an individual are automatically registered in BT Pay immediately after the user successfully completes the steps required to use the Application/uses the Application and may be used in BT Pay even if the user has not yet taken possession of the physical card.

The user may take possession of the physical card either by requesting delivery by courier or by collecting the card from Banca Transilvania branches within the period set out in the Bank’s General Business Conditions.

The card/cards are automatically activated after the successful completion of the BT Pay registration steps, unless activation was previously completed at a BT ATM. If the customer takes possession of the physical card after it has been activated in BT Pay, the following operations must be carried out:

if the card is reissued at maturity, the user must perform, with the physical card, a first “Change PIN” operation from the ATM menu – “PIN Administration”. During this operation, the user will be asked for the existing card PIN and for a new PIN, which may be the same as the existing card PIN. In the exceptional situation in which the user receives an error when completing the “Change PIN” operation, the user will address the Bank with a request for the free reissuance of a new activation code, after which the standard card activation steps at a BT ATM will be followed.
if the card is newly issued or reissued on request, the physical card must be activated at a BT ATM and a PIN must be set for the issued/reissued card.

For phones with Android operating system and built-in NFC technology, for contactless payments (NFC), card enrollment and validation lead to the allocation of a payment token (alternative card number) to that card, which will be associated with the card on that phone.

The card available in BT Pay may be added by the user to Google Pay directly through the BT Pay Application. In this respect, the user will also be subject to the Terms and Conditions for using cards issued by Banca Transilvania in Google Pay.

For phones with iOS operating system, the card data is validated without allocating a payment token, the token being required only for NFC payments.

In order to make NFC payments at merchants’ terminals, the user who has a phone with iOS operating system may add the card available in BT Pay to Apple Pay directly from the Application. In this respect, the user will also be subject to the Terms and Conditions for using cards issued by Banca Transilvania in Apple Pay.

B. BT Direct cards

BT Direct cards issued in the name of an individual are automatically registered in BT Pay immediately after the user successfully completes the steps required to use the Application, without the manual entry of card details.

The user will be able to use the BT Direct card available in the BT Pay Application for the following operations: viewing the card balance, viewing the history of transactions performed with the card, making contactless payments at merchants (for users who have Android operating system devices), enrolling cards in Apple Pay (for users of iOS operating system devices), enrolling cards in Google Pay (for users of Android operating system devices), and confirming (approving or rejecting, as applicable) online payments through BT Pay.

C. Non-BT cards

BT Pay users who have enrolled at least one BT card in the Application may also add non-BT cards to BT Pay by manually entering their details, namely card number, first name and surname, expiry date and CVV code (the 3-digit code on the back of the card).

User authentication for accessing and using BT PAY

The Application may only be used if the phone is secured by a password, fingerprint or another security method available depending on the type of phone. When registering in BT PAY, it is checked whether the phone is secured. Subsequently, each time the Application is accessed, it is checked whether the phone has a security method enabled.

The selected security method will be used, in certain situations, also for authorizing contactless payments, online payments, ATM withdrawals, transfers, additional card settings, as well as other options that may require authentication.

After the user sets the security code (PIN) for BT Pay, it will be used for authentication and transaction authorization in the Application, while Android users will continue to be able to use the phone security method when paying with BT Pay at merchants without opening the Application, if they have set the payment method through phone unlocking. If the user has the device unlock function through biometric data enabled, such as Face ID or fingerprint, after defining the security code, the user will have the option to activate authentication based on the biometric data stored on their phone.

You agree and understand that you are responsible for maintaining the confidentiality of the login data associated with the use of BT PAY and for taking all reasonable measures to keep such information confidential.

You undertake to notify Banca Transilvania immediately, without unjustified delay, if you become aware of the loss, theft, unlawful taking or unauthorized use of your login data, as well as of the mobile phone used to access BT PAY. You also agree to notify Banca Transilvania immediately, without unjustified delay, in the same manner, of any other security breach in connection with the Service of which you become aware.

Banca Transilvania may suspend the use of your login data or Account in cases where it suspects that their security has been compromised or that there is unauthorized or fraudulent use.

Banca Transilvania will inform you in advance or, if this is not possible, immediately after the suspension of the use of your login data or Account, specifying the reasons for the suspension, except where providing such information could compromise reasonable security measures or would be contrary to the law. Banca Transilvania will reactivate your login data or Account or will provide you with new login data or a new Account as soon as possible after the reasons that led to the initial suspension have been removed.

If you are a BT customer, current account holder and BT Pay user, and you have appointed other persons with operating rights and sole signature rights on your accounts, to whom you also grant authorization rights in BT Pay, you confirm and agree that these persons will be able to:

view current accounts, savings accounts and term deposits, including balances and transaction history, generate account statements and share the IBAN of the accounts;
perform through BT Pay, on your accounts, the following types of operations: transfers from current accounts, foreign exchange in the currencies in which you have open accounts, and setup of recurring payments;
open, manage and close savings accounts and deposits;
view and use the Bill Payments functionality.

You are fully responsible for the access rights and operations that you have granted in BT Pay to the persons authorized to use your accounts opened with the Bank.

You are also solely liable for any use of the BT Pay Application by other persons if you allow them to access the Application by communicating the PIN, access data or the device on which the Application is installed, or if, due to negligence, you fail to keep these authentication elements confidential and secure.

If you have been granted access in BT Pay to the accounts of other individual BT customers, adults or minors, on which you are appointed with operating rights as an authorized person, you are required to use these rights strictly within the limits of the mandate granted, in accordance with the applicable legal and contractual provisions.

What do you accept by registering for/using BT PAY?

By registering for/using BT Pay, the user understands and accepts that:

any card issued in their name or issued in the name of an additional card user and attached to their account will be accessible in their own Application;
any card issued in their name and registered in the Application, including the data and transaction history performed with/through these cards and/or accounts, may be viewed in BT Pay by the user themselves and, for cards of designated cardholders, also by the account holders to which the cards are attached, in the Application used by the latter;
the data of any account opened in their name with BT, if applicable, and registered in BT Pay, including the transaction history performed through it and the related account statements, will be visible in BT Pay to the user who is the account holder, as well as to authorized persons, if the holder has granted them access in BT Pay;
any card and/or account registered in BT Pay may be used to perform financial operations, according to the BT Pay functionalities detailed in the BT Pay User Guides, and the use of those functionalities that involve debiting or crediting amounts in accounts is the responsibility of the account holder, regardless of whether they are carried out by the holder, by an additional card user or by a person with operating rights on the account to whom the account holder has granted access rights in BT Pay;
certain functionalities of the Application will be accessible only to certain categories of users and/or after additional checks, as detailed in these BT Pay Terms and/or in the BT Pay User Guides.

What can you do in BT PAY?

The functionalities available in BT Pay are described in detail in the following guides (the 'BT Pay User Guides'), which users are required to consult and acknowledge:

www.bancatransilvania.ro/wallet-bt-pay/ghid-android-en/ (for devices with Android operating system)

www.bancatransilvania.ro/wallet-bt-pay/ghid-ios-en/ (for iOS OS devices)

The use of BT Pay functionalities is subject to the provisions of the General Business Conditions of Banca Transilvania applicable to individual customers at the time of use.

The functionalities described in the guides may be changed or supplemented with new functionalities and may differ depending on the device operating system. The functionalities available at any given time are those indicated in the version of the relevant guide in force at that time.

The commissions as well as the maximum daily transaction limit for the operations that the user can perform in the BT Pay application are mentioned on the website www.bancatransilvania.ro.

The main functionalities of the Application are presented below:

“Accounts” functionality

From the “Home” section of the Application or, as applicable, from the Products – Accounts section, the BT Pay user will have available/may perform in the Application the following:

view all active accounts and their balances;
view the cards attached to each account;
make transfers between own accounts;
make transfers in lei, both interbank and intrabank;
make transfers through RoPay Alias;
view transaction history and pending transfers;
share the IBAN;
perform foreign exchange transactions. For foreign exchange transactions exceeding EUR/USD/GBP 100,000 versus RON, respectively EUR 25,000 or equivalent for the other currency pairs, the Bank offers the possibility to negotiate the exchange rate using alternative channels;
open a current account in RON or another currency;
make foreign currency transfers, both interbank and intrabank; for additional information, consult the Transaction Processing Schedule;
access the account statements available for the accounts added in the BT Pay Application, which may be previewed or downloaded in PDF format;
make recurring payments;
view active garnishments on BT accounts;
close a sub-account;
close a current account. The use of this service is subject to the Terms and Conditions applicable to it.

The individual user may perform transactions, according to the rights they have, on current accounts, regardless of whether or not they have an attached card, including on accounts attached to credit cards and on other types of accounts, such as deposit/savings accounts. The user’s accounts opened with the Bank will be added automatically after registration in BT Pay.

“Cards” functionality

Viewing and managing cards

From the “Cards” section of the Application or, as applicable, from the Products – Cards section, the BT Pay user may view and manage the BT cards and, as applicable, the non-BT cards registered in the Application.

Also, for users who use devices with Android operating system, the cards may be used for payments at POS terminals.

Round Up product

Certain categories of Application users, such as, but without limitation to, those identified as individual Bank customers, holders of a current account in RON and with at least one own card issued in RON added in BT Pay, will be able to access the Round Up product from the “Cards” section of the Application and activate the option on their main current account in RON. The option is activated at account level. All payments made with the cards attached to that account will benefit from this option.

Payment transactions accepted for the Round Up service are:

payment by debit card or through wallet-type applications made at a POS terminal;
online payments made using the debit card.

Payments made from the overdraft, as well as transfers made from the current account (scheduled or not), cash withdrawals with the debit card, bill payments at the ATM will not be rounded. Also, payments made with the BTDirect card and payments with the BT meal ticket card will not be rounded.

The minimum intangible balance is 30 lei, which means that rounding will not be possible if the accounting balance of the source account is less than or equal to 30 lei.

The use of this service is subject to the Terms and Conditions applicable to it.

Issuing a card for an additional user (designated cardholder)

The use of the additional card issuance service is subject to the Terms and Conditions applicable to this service.

Activation of a current account package

The terms and conditions applicable to the package activation service are available when the service is activated in the BT Pay mobile Application or on Banca Transilvania’s website.

“Recurring Payments” functionality

Bill Payments service

The Application user, identified as an individual and a customer of the Bank, may access the Bill Payments service within the Recurring Payments functionality, available in the Application navigation bar. This service allows individual users to pay utility bills from the Application. Within the service, users are offered the possibility to:

a. Pay bills to the providers available in the service. Payments may be made through one or more of the methods below, depending on the options made available by each provider:

connecting the account associated with an approved utility provider;
scanning an invoice received from an approved utility provider, without the configuration mentioned above;
payment by payment order by manually filling in the provider’s details.

b. View the history of payments made to approved providers.

Use of Invoice Payments is subject to the Terms and Conditions applicable to this service and Information notice regarding the processing of personal data within the Invoice Payments service.

The Bill Payments service is offered within the Application, but the user may choose not to use the service or may give up at any time the paid options activated, without this affecting the possibility to use the other BT Pay functionalities.

The BT Pay user may give up using the Bill Payments service by deleting/disconnecting all connected providers and deactivating the existing paid options, if they have been activated.

“Savings” functionality

Within the Savings functionality, the user may view the savings products held with Banca Transilvania, may set up other deposits/savings accounts available in the Bank’s offer, respectively may close them through the Application.

The user may also download the Interest Income Statement, which includes all income received from interest related to deposits and savings accounts for the selected fiscal year, or the account statements available for savings accounts or term deposits.

The establishment of deposits/savings accounts is subject to the Terms and Conditions applicable to each of these products, as follows:

“Investments” functionality

Purchase and management of fund units

From the “Investments” section, the Application user, identified as an individual customer of the Bank and holder of an investment account, will be able to: (a) become an investor in the investment funds managed by BT Asset Management SAI by signing the intermediation agreement with BT; (b) select the desired investment fund from the available options; (c) buy/sell Fund Units (FUs); (d) set up a recurring investment through the “Direct Invest” service; (e) view transactions being processed; (f) consult the transaction history; (g) generate portfolio statements, transaction confirmations, ex-post cost reports, statements of the funds held, and reports on recorded gains and/or losses; and (h) consult details about the investment funds managed by BT Asset Management SAI (e.g., the fund’s performance chart for the past five years).

“Pensions” functionality

Purchase and management of voluntary pensions

The Application user, identified as an individual customer of the Bank and an account holder, who used an identity card issued in Romania when activating the BT Pay Application, may become a participant in the voluntary pension fund(s) managed by BT Pensii SA, provided that they sign the deed of adherence for each fund. The user will be able to set up a recurring monthly contribution, modify or cancel the contribution, view the contribution history and balance, view the number of fund units allocated, generate account statements, and also view details about the voluntary pension funds managed by BT Pensii SA (e.g., NAV per unit and performance over the past five years). More information is available here.

“Loans” functionality

Viewing and managing existing loans

The Application user, identified as an individual customer of the Bank and a borrower, may view in BT Pay, under the “Loans” functionality, details about non-card lending products held with Banca Transilvania (e.g., due date, amount payable, repayment schedule, any outstanding amounts, attached insurance policies, fees, and any payment delays).

For BT credit cards, automatic payment of monthly obligations (the minimum and maximum payment amount) may be set up from the cardholder’s current account, with payment to be made on the due date. If the due date falls on a non-business day, the monthly obligation will be debited on the preceding business day. If the user has several current accounts, the first account opened with the Bank will be debited or all of the customer’s current accounts will be debited.

If the BT card is funded or the automatic payment option is set outside the Monday–Saturday, 09:00–19:00 interval or on non-business days, the funding transaction and the option will be recorded on the next business day. Therefore, if such an operation is performed on the due date (the 25th day of each month) and that date falls on a non-business day or the operation is performed outside the above-mentioned interval, the user understands that the monthly payment obligation will not be fulfilled by the due date.

The user may pay for an online purchase from their mobile phone by selecting “BT Pay” as the payment method directly on the merchant’s website. If the selected payment method is a credit card, the user may choose to pay with STAR points or in instalments by selecting the number of instalments available on the merchant’s website. The user then selects the card and confirms the transaction using biometric authentication (Face ID or fingerprint).

Partial early repayment of existing loans

The BT Pay Application user, an individual who holds an active loan with Banca Transilvania and is the borrower, may access the partial early repayment functionality, provided that the criteria set out in Banca Transilvania’s policy on the early repayment of loans through BT Pay are met.

The user may initiate a partial early repayment of the loan from the BT Pay Application by accessing the “Loans” section and selecting the “Partial Early Repayment” option.

This service allows the BT Pay user to perform online simulations of partial early loan repayment and to submit partial early repayment requests.

These operations may be carried out on business days (Monday to Friday), between 08:00 and 18:00.

To submit the partial early repayment request, the BT Pay Application user confirms the transaction and authenticates in the Application using a secure method: Face ID, fingerprint or passcode, depending on the settings selected in BT Pay.

Applying for a personal loan

The Application user, identified as an individual customer of the Bank who meets the eligibility criteria established by the Bank, may access the “Apply for a personal loan. Simulate a 100% online loan” functionality from the “Loans” tab.

Through this functionality, the user may simulate a personal loan and obtain a personal loan entirely online, provided that the Bank’s eligibility criteria are met.

Use of this functionality involves the processing of personal data as specified in the Information Notice regarding the processing of personal data for obtaining a BT personal loan entirely online

Obtaining a credit card/increasing the credit limit on a credit card

Obtaining a credit card

Certain categories of Application users (including, but not limited to, those identified as individual customers of the Bank, who are residents and hold a BT debit card issued for their personal account and added to BT Pay, except for the BT meal card) may view the option to apply for a credit card in the Application. This service allows the user to initiate an application for a credit card and, provided that the criteria set out in BT’s lending policies are met, to obtain the card and the related credit line.

The use of this functionality involves the processing of personal data as specified in Privacy Notice on the processing of personal data for obtaining an online BT credit card exclusively.

Increasing the credit limit on a credit card

Certain categories of Application users (including, but not limited to, those identified as individual customers of the Bank, who are residents and hold a BT debit card issued for their personal account and added to BT Pay, except for the BT meal card) who hold a STAR Forte, STAR Gold, BT Flying Blue Classic or BT Flying Blue Premium credit card as the primary cardholder may view in the Application the option to increase the credit line for the product they hold. This service allows the user to initiate a request to increase the credit line and, provided that the criteria set out in BT’s lending policies are met, to obtain an increase in the credit line related to the product they hold.

The use of this functionality involves the processing of personal data as specified in Privacy Notice on the processing of personal data for obtaining an online BT credit card exclusively.

Obtaining/increasing an overdraft credit line

Certain categories of Application users (including, but not limited to, those identified as individual customers of the Bank, who are residents and hold a BT debit card issued for their personal account and added to BT Pay, except for the BT meal card) who do not already hold an overdraft product with BT may view the option to apply for an overdraft. This service allows the user to initiate an overdraft application and, provided that the eligibility criteria set out in BT’s lending policies are met, to obtain the overdraft.

Certain categories of Application users (including, but not limited to, those identified as individual customers of the Bank, who are residents and hold a BT debit card issued for their personal account and added to BT Pay, except for the BT meal card) who already hold an overdraft (money reserve/account overdraft) with BT may view in the Application the option to increase the credit line. This service allows the user to initiate a request to increase the credit line on the current account and, provided that the criteria set out in BT’s lending policies are met, to obtain an increase in the credit line on the current account.

The use of this functionality involves the processing of personal data as specified in Information Note on the processing of personal data for obtaining/increase an online overdraft exclusively.

“Insurance” functionality

Travel insurance

The Application user, identified as an individual customer of the Bank and a current account holder, may access the “Travel Insurance” option in the BT Pay Application. Through this option, provided that a series of criteria are met, the customer may view, based on a needs analysis, the travel insurance offer suitable for them and may purchase the travel insurance directly through BT Pay. The user may also pay for the travel insurance in instalments using STAR cards issued by Banca Transilvania. After the policy is issued, the customer will receive the policy, together with the full set of documents specific to this insurance, at the email address provided.

Home insurance

The Application user, identified as an individual customer of the Bank and a current account holder, may access the “Home Insurance” option in the BT Pay Application. Through this option, provided that a series of criteria are met, the customer may purchase voluntary home insurance and PAD insurance directly through BT Pay if there is no active PAD policy associated with that home.
The user may also pay for the home insurance in instalments using STAR cards issued by Banca Transilvania.
After the policy is issued, the customer will be able to share the policy together with the full set of documents specific to this insurance.

Credit card and overdraft (credit line) insurance

The Application user, identified as an individual customer of the Bank who is a credit cardholder or has been granted an overdraft, may access the “Credit Line Insurance” option in the BT Pay Application. Through this option, provided that a series of criteria are met, the customer may view, based on a needs analysis, the credit line insurance offer suitable for them and may purchase the insurance directly through BT Pay. After completing the process, the customer will receive the full set of documents specific to this insurance at the email address provided.

“Auto” functionality

RCA insurance

The Application user, identified as an individual customer of the Bank and a current account holder, may access the “RCA Insurance” option in the BT Pay Application. Through this option, the customer may view RCA insurance offers suitable for their vehicle and purchase RCA insurance directly through BT Pay. The user may also pay for the RCA insurance in instalments using STAR cards issued by Banca Transilvania. After the policy is issued, it will be available for immediate download or from the menu of the RCA section in the BT Pay Application.

The customer will also receive notifications regarding the expiry of the insurance policy: one notification 30 days before the insurance expiry date and another notification 7 days before expiry.

Issuance of the RCA insurance policy is subject to the Terms and Conditions applicable to this service and to the specific conditions governing the processing of personal data.

Rovinieta

The BT Pay Application user, identified as an individual customer of the Bank and a current account holder, may purchase a Rovinieta for use on the territory of Romania. This option allows the user to purchase or renew a Rovinieta for various vehicle categories and validity periods. The user acknowledges that these transactions are irreversible and assumes responsibility for the accuracy of the data entered during the Rovinieta purchase process.

The use of this service is subject to the Terms and Conditions applicable to it.

“Mobile Phone Top-Up and eSIM Purchase” functionality

Mobile phone top-up

BT Pay users (except those who hold only a meal card) may top up a prepaid mobile phone for phone numbers from the providers available in the Application by entering the phone number to be topped up. The user acknowledges that these transactions are irreversible. The user is responsible for the accuracy of the phone number entered and confirms that they have the phone number holder’s consent to use it in BT Pay for the purpose of topping up the prepaid mobile phone.

eSIM purchase

The eSIM service accessible through the BT Pay Application allows users to purchase and activate mobile data plans provided by an external partner on devices compatible with eSIM technology.

BT Pay solely facilitates access to this service. The provision of data traffic, network coverage, service quality and technical support related to the eSIM plans is entirely the responsibility of the partner telecommunications provider.

By purchasing an eSIM plan, the user is subject to the provider’s specific terms and conditions, displayed in the Application during the activation process.

“Kiddo” functionality

BT Pay Kiddo for minors who have a BT account

The adult Application user, identified as an individual customer of the Bank, may activate in the BT Pay Application the BT Pay Kiddo option for minors who have a BT account. Through this option, the user may allow the minor child they represent, aged between 14 and 18 and holding an account opened with BT, to use the BT Pay Application through the card issued in the minor’s name and attached to the minor’s account. Use of this functionality is subject to the Terms and Conditions applicable to this service.

BT Pay Kiddo for minors attached to the parent’s account

The adult Application user, identified as an individual customer of the Bank, may activate in the BT Pay Application the BT Pay Kiddo option for minors attached to the parent’s account. Through this option, the user may allow their minor child, aged between 8 and under 18, to use the BT Pay Application through the card issued in the minor’s name and attached to the parent’s account. Use of this functionality is subject to the Terms and Conditions applicable to this service.

Other BT Pay functionalities

BT Pay Chatbot

The BT Pay Application user may receive assistance regarding the Application and its functionalities through the chatbot integrated into BT Pay. The chatbot provides automatically generated answers, using artificial intelligence (AI) techniques, to general questions. Although we continuously strive to improve AI-generated content, the answers may contain errors or inaccurate or outdated information. Therefore, we strongly recommend that BT Pay users use this content only as a starting point for further research and consultation. If the automatically generated information in response to general questions does not provide the expected answers, the user may start a live chat conversation with an employee (human operator).

Identification option in BT Pay

BT individual customers who are BT Pay users may, during a telephone call initiated to or received from the Call Center or, as applicable, for operations carried out in BT branches or when starting to use other applications made available by the Bank or other entities within the BT Financial Group, be identified through the Application installed on the telephone number declared to the Bank. Customers who choose this identification method will receive a push notification in BT Pay, from which they may accept or refuse the identification request and identify themselves using the phone unlock method or the security code used for BT Pay.

“Add money to BT” option

The Application user, an individual customer of the Bank, may access the “Add money to BT” option, which allows them to transfer, at the desired frequency, their income or other amounts held in an account opened with another financial institution, to which a non-BT card enrolled in BT Pay is attached, into an account to which a BT card already registered in the Application is attached. When activating the option, the user must ensure that the available balance in the non-BT account from which the amounts are to be transferred to the BT account is sufficient to complete the desired recurring transaction. Transfers will be made at the set frequency and for the selected amount only if sufficient funds are available in the non-BT account on each date set for the recurring transfer.

“Invite a friend” option

This option allows an adult BT Pay user who holds a current account opened with Banca Transilvania to recommend, on their own initiative, certain products and/or services offered by Banca Transilvania, including as part of active promotional campaigns available in the Application. The invitation may be sent both to individuals who do not have a business relationship with Banca Transilvania and to persons who are already Banca Transilvania customers and BT Pay users, for the purpose of purchasing or using the products and/or services indicated by Banca Transilvania in the relevant campaign.

“Card saved with merchants”

The user may manage the bank cards associated with their account, depending on the card type:

1. For BT VISA cards: a BT Pay Application user identified as an individual BT customer and current account holder may view:

a. In the “Card saved with merchants” section, the list of accepting merchants on whose websites/applications the user saved card details for subsequent payments and which store this information as a token;

b. In the “Recurring Payments” section, subscriptions and recurring payments associated with the card saved on merchants’ websites that store the card information both as a token and as card data.

Information about a card saved in merchants’ applications or on their websites will be available for viewing in BT Pay within no more than 48 hours from the time it is saved.

In the “Card saved with merchants” section, users may view the most recent transaction from the past 13 months for each merchant.

Users may not activate, modify or cancel card-related service subscriptions through BT Pay. Any such change must be made directly on the relevant merchant’s website.

The service allows future transactions for any card saved online with the merchants mentioned above to be blocked for up to 60 months. However, blocking future transactions does not automatically remove the card issued on the user’s account from the merchant’s website.

Therefore, after future transactions have been blocked, payments subsequently initiated on the website of the merchant for which the block was requested will require payments for that merchant to be reactivated in BT Pay.

Blocking future transactions through BT Pay under the conditions indicated above will not automatically terminate the contractual relationship between the user and the merchant or block future attempts by the merchant to debit the account using another payment method. Therefore, after blocking future transactions in accordance with this section, the user is advised to permanently remove the card from the merchant’s application or website.

2. For BT MASTERCARD cards: a BT Pay Application user identified as an adult individual BT customer and current account holder may view:

a. In the “Card saved with merchants” section, the list of accepting merchants on whose websites/applications the user saved card details for subsequent payments during the past three months and which store this information as a token;

b. In the “Recurring Payments” section, subscriptions and recurring payments associated with cards saved during the past three months on merchants’ websites that store card information both as a token and as card data.

To request the deletion of information about saved bank cards or to terminate an active subscription concluded with a merchant, the request must be submitted through the merchant’s official platform (website or mobile application). These actions must be carried out in accordance with the procedures established by the merchant, since individual user requests can be properly identified and processed only through the merchant’s own channels.

RoPay service

By activating the RoPay Alias service, the BT Pay Application user—an individual customer of Banca Transilvania and holder of a personal current account added to the Application—may make fund transfers in Romanian lei (RON).

When activating the RoPay Alias service, the user selects the BT account for which the alias (the declared telephone number) is activated, and this account becomes the sole account used both to send and receive amounts through RoPay Alias.

Transfers—sending and receiving money through the BT account—may be performed either by using the telephone number or by using a QR code generated or scanned through the BT Pay Application.

The RoPay Alias service is offered within the Application, but the user may stop using it at any time without affecting their ability to use the other BT Pay functionalities. The BT Pay user may stop using the RoPay Alias service by deleting the alias previously added in BT Pay.

Use of RoPay is subject to the Terms and Conditions applicable to this service and to the specific personal data processing conditions.

By using the RoPay service, the user accepts the general terms and conditions regarding instant payments between banks in Romania.

Click to Pay

This service is offered by the Visa and Mastercard payment organizations to users of cards issued under the brands of these payment organizations. Through this service, when online transactions are initiated at online stores, the details of the card associated with the email address registered with the Bank (card number, user name, expiry date and CVV/CVC code) are retrieved automatically before the transaction is authorized. Use of this functionality is subject to the applicable Terms and Conditions:

Representations and warranties

When registering for or starting to use BT PAY, you represent and warrant that:

you have full right, authority and capacity to access and use the application ( valid only for major users ).
you are the holder of the cards issued by Banca Transilvania and/or of the accounts to which they are attached, and the holder of the cards issued by other financial institutions in Romania that you have registered in the BT Pay Application;
you are liable for the way in which the persons mandated by you use the application, bearing any damages arising from improper use by them;
that you are obliged to maintain a method of unlocking the phone while the BT Pay application is installed on the phone;
you shall not disclose the phone unlock password/security code to any third party, because of the risk for your cards to be used for payment by other persons as a result of such disclosure. You are solely responsible for preserving the confidentiality and for safekeeping your personal details inserted in the BT PAY application, as well as your phone unlock password/BT Pay security code. Additionally, you are responsible for any kind of activity occurring on your account;
if you have chosen to activate biometric data for authentication in BT Pay, you will not allow the registration on your phone of biometric data – fingerprints or face ID - belonging to other people on the phone, considering that, in this case, accessing the application, respectively authorizing transactions it could be done with any of the biometric data added to the phone
You will notify us immediately of any unauthorized use of the application installed on your phone number or of any breach of phone security or in-app login data that you become aware of or that you should reasonably suspect.
The user assumes full responsibility for those cases where the phone number introduced / selected by the user in BT Pay or the IBAN code introduced, to which the user ordered the bank to transfer / request money amounts is wrong or does not belong to the person to whom the user intends to transfer / request those respective amounts;
You assume full responsibility for the event that the phone number you entered/selected in BT Pay, to which you ordered the bank to transmit the code necessary for the withdrawal of cash without card, is wrong or for which you requested the loading of a telephone card, does not belong to the person to whom you intended to send the code/ or upload the telephone cards or if this code was subsequently transmitted by the recipient to another person;
you assume full responsibility for the case that the phone number entered in BT Pay for uploading a phone card, and, it does not belong to the person to whom you intended to upload the phone card or the phone card has been loaded belonging to another person;
The user assumes full responsibility for registering his own cards (BT or non-BT) in the BT Pay application, for making any transactions with them (including authentication / rejection of online payments), regardless of the device on which the app is registered and you authorized the registration of this card is installed;
The user assumes full responsibility for the distribution of links and/or promotional messages of BT Pay campaigns and guarantee to the bank that will not use these distributions abusively;
you will not communicate to third parties the OTP code received on your phone number for adding the card in BT Pay and/or unlocking various functionalities, implicitly the permission for authorization of online payments;
You’ll announce as us as soon as you become aware of any lack, loss, unauthorized access, or theft of the mobile phone on which the BT Pay application is installed. In the event of non-fulfilment of the above-mentioned obligation, you assume full responsibility for any and all operations that unauthorized persons may perform through the Application or as a result of identification made through the Application installed on the declared phone number the bank within a call to/from the BT call center or in a BT unit, including accessing any banking information or updating the data;
you will uninstall the application in case the phone you originally installed will no longer belong to you or you will no longer use it;
you will not counterfeit or provide inaccurate information regarding your identity or your intentions concerning the application;
you are responsible for how you use the information generated by AI technology, provided by the BT Pay chatbot in response to the general questions asked.
you will not send, share or provide any information or materials which are totally or partially illegal, false, fraudulent, inappropriate or offensive, or which contravene the public order and morality standards;
you will assure and maintain physical and logical phone security, according to manufacturer recommendations and good practices;
you will update the operating system of the phone according to the manufacturer's recommendations and will use only the official versions of the operating system provided by the manufacturer;
you will shall not inhibit security protection of operating system recommended by manufacturer;
you will install BT Pay only from dedicated stores- Google Play Store, Huawei App Gallery and App Store, published by Banca Transilvania;
you will not install applications from unofficial sources, because these might compromise BT Pay security;
you will ensure that any data introduced in the application is correct and complete;
you will not violate any right stipulated by law, any property rights, any intangible rights, you will not infringe on any rights regarding confidentiality or the protection of personal data belonging to other persons;
you will not use the content of the application to resell, distribute or use the provided services;
you will not distribute the offers available in the BT PAY application;
that you will not use the functionalities offered within the application abusively and/or in bad faith and/or for fraudulent purposes;
you will access via BT Pay only accounts opened in your name in physical activity monitoring applications and you will keep the confidentiality of this data

confirming that you have read the provisions of these BT Pay Terms that apply to you, that you agree with them and that you are aware of how the processing of personal data will be carried out according to the information notice on the processing of personal data at BT Pay (if you are a major user), respectively, we confom the mentions from the Information Notes dedicated to the processing of the personal data of minor users in BT PAY
by using the App you will not violate any laws or regulations of the country in which you reside and you are solely responsible for compliance with all applicable local laws and regulations.

Termination or modification of BT PAY

The cessation of BT PAY use may occur in the following situations:

a) at the user’s initiative, by uninstalling the application on your mobile device.

b) at the initiative of the bank, in case of violation by the user of the provisions of these BT Pay Terms;

c) the termination of the business relationship between the client and the Bank.

Moreover, we are entitled to suspend or change BT PAY immediately and for any reason whatsoever, including the situation when the application undergoes service or maintenance works. We may periodically add new functions and we are not obliged to provide any particular function via BT PAY. We may withdraw your right to use BT PAY, case in which you shall be duly notified 30 days in advance.

We may modify these BT Pay Terms at any time by publishing the updated BT Pay Terms within the BT Pay application. In such cases, users will be notified through the app and/or via another communication method using the contact details recorded in the bank’s systems, at least two months before the changes take effect. From the moment of notification or, as applicable, from the date indicated in the notification as the effective date of the changes, the updated version of the BT Pay Terms will apply to all users.

By exception, the two-month notice period mentioned in this section does not apply in cases where contractual changes are required due to new legal provisions, changes related to service costs that are more favorable to the client, or the introduction of new functionalities in the BT Pay application, provided these do not involve additional costs for users, do not affect their rights or obligations, and can be used solely at the user's discretion. In such cases, the changes will apply from the moment of notification or, as applicable, from the date indicated in the notification.

If you do not agree with the revised Terms, you can uninstall BT Pay anytime, with immediate effect.

In cases in which there will be implemented additional services in the application, these services will be subject to the same terms and conditions presented in these clauses, only if they do not require different conditions.

Intellectual property

The user expressly declares having acknowledged that the entire graphic design, the application content and the audiovisual materials accessed represent the property of the Bank. The information and the graphic elements of other entities, which are owned by the bank’s partners, are excepted.

The user agrees that any software used in connection with the services provided via the application contains confidential data subject to property right and protected by the laws on intellectual and industrial property rights, as well as by any other applicable laws.

The user undertakes not to duplicate, copy, sell or use for profit in part or in full the services, information and/or audiovisual materials available as a result of using the application.

The user is forbidden to change, copy, lease, assign, lend, sell, disseminate or derive materials based on the services or programs available in the application.

What we are not responsible for

We provide the BT PAY application for your personal use exclusively. BT PAY services are not compatible with all mobile devices.

You hereby agree that the application might not operate free of errors or on a continuous basis and that certain flaws might not be eliminated promptly upon their occurrence.

The user is solely responsible for the use of the application. Banca Transilvania cannot be held liable for the consequences of the personal or third-party use of the application, for the costs resulting from the application use or from the access of third parties to certain personal and/or confidential information or data via the application. In order to limit the potential damage caused by the application use by third parties, Banca Transilvania recommends that you do not hand over/lend your phone to another person, that you do not disclose your device unlock method/security code used for BT Pay and that you do not give your card to other persons.

Banca Transilvania cannot control the operating system on your mobile device. Therefore, Banca Transilvania is not liable for any damage to your mobile phone, including without limitation any security breach caused by viruses, errors, frauds, forgery, omission, disruption, malfunction, delayed operation or transmission, computer network breakdown or any other technical failure with effects upon your device.

Therefore, we shall not be liable for any loss or damage which could not be reasonably foreseen by us or by yourselves at the date when you started using BT PAY, or which is beyond our control.

Moreover, we shall not be responsible for any of the following:

any loss or damage (moral or material) resulting from the inobservance of the Terms herein;
in case of the persons whose phone numbers have been entered in your application by yourself for making transfers based on the telephone number or for transmitting the necessary code for the withdrawal of cash without a card, denounce the use of the contact information that belongs to them;
the content or services/discounts provided by STAR partners through the offers published in BT PAY; unavailability or non-updating of the offers;
the association of non BT card added in the app to the corresponding account, in Open Banking functionality;
the accuracy of the information in the app, the availability or reliability of any information or content made available by any third parties, such as physical activity tracking applications. Consequently, we are not responsible in any way for any damage or losses caused or considered to be caused by or in connection with the usage of or addiction to such third-party apps;
health issues that might occur due to using these devices and applications or resulted from the physical activity undertaken by the user;
any loss or corruption of your information content or of other personal data, unless such loss or corruption is caused by us or is under our reasonable control. Moreover, we inform you that Banca Transilvania is not liable to yourselves and/or to other third parties for any direct or indirect damage, including without limitation profit losses, unachieved gains and/or loss of business opportunities or any other similar losses that you may incur for not using the application and the services or due to the inadequate service quality.

Governing law

The terms and conditions of using the BT PAY application, as presented in this document, are and will be governed and interpreted in accordance with the Romanian law.

In the event of any litigation/disagreement regarding the use of the application, we shall endeavor to settle such litigation in an amicable manner, the negotiations in this respect being governed by good faith principles.

All litigations shall be settled by the competent courts in Cluj-Napoca, unless the applicable legislation stipulates an exclusive jurisdiction in relation to yourselves.

Specific provisions for US users of BT Pay

If you are a US user of the BT Pay application (user whose identity documents used in the identification/authentication process through the application were issued by the competent authorities in the United States of America), by accepting these Terms and Conditions you agree as: (i) any complaints/ dissatisfaction with the processing of your personal data (such as, but not limited to, biometric data) by the provider/third party provider of identity verification services whose solutions are used in within the previously mentioned application (hereafter referred to as Onfido for the purpose of this clause) will NOT be the subject of any litigation/collective actions submitted for settlement to the courts in the territory of the United States of America;

(ii) any complaints/ dissatisfaction with the processing of your personal data mentioned in point (i) will be subject to an individual arbitration procedure;

(iii) the settlement through arbitration of any complaints/ dissatisfaction with the processing of your personal data mentioned in point (i) according to the provisions of point (ii) will be carried out in strict accordance with the arbitration procedure established by the supplier/third party provider of the identity verification services (Onfido) as they will be communicated to you.

Assistance

If you encounter any issues related to the operation of BT Pay, you can contact us:

At the phone number 0264.308.028, reachable from any network, including internationally – support available 24/7

Or via Chatbot, in the Contact section of the BT Pay app

Force majeure and unforeseeable events

Banca Transilvania shall not be liable to the user for failure to perform any obligation in the event of force majeure or an unforeseeable event and, generally, in the event of circumstances beyond its control, including the operation and connectivity of other national or foreign networks and their activities and actions in general.

Force majeure or an unforeseeable event may include, without limitation: a state of war, whether declared or not, armed conflict, revolution, insurrection, military or terrorist actions or threats, sabotage, civil disturbances, strikes or other labour actions, laws, regulations, decisions or directives, natural disasters, earthquakes, fire, explosion, solar or meteorological disturbances, public emergencies or any other event beyond the Bank’s control.

Press the button below if you agree to use BT Pay under the conditions set out in these BT Pay Terms and in the Information Notice regarding the processing of personal data in BT Pay if you are an adult user or, if you are a minor user, in the Information Notice regarding the processing in BT PAY of the personal data of minor users over 14 years of age or, as applicable, in the Information Notice regarding the processing in BT PAY of the personal data of minor users attached to the parent’s account.