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Terms and conditions

Disclaimer

AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

AI Search is trained to answer questions that relate exclusively to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

Use of AI Search implies acceptance of the Terms and Conditions.

Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

The content provided by AI Search is for information purposes only.

Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

Terms and conditions may be revised/updated at any time.

For BT customers only

How much money can I withdraw from my account without an appointment?

⠀from the RON account you can withdraw a maximum of 60.000 LEI;

⠀or from the one in foreign currency maximum 5.000 EURO (or equivalent in other currencies).


For larger amounts, you must submit an appointment request 24 hours before you want to withdraw the money, or 48 hours before if you want to withdraw from account a slow currency such as GBP.


Depending on the amount you need and whether you want to withdraw cash in lei or in a specific currency, it's worth bearing in mind that:

COIN
READ
EURO
USD
PROGRAMMING
SUMA
≤ 60.000
≤ 5.000
≤ 5.000
-
60.001
-
150.000
5.001
-
25.000
5.001
-
25.000
24 hours
in advance
150.001 
250.000
25.001 
50.000
25.001 
50.000
at least 48
hours in advance
> 250.000
> 50.000
> 50.000
at least 3 working days and maximum 7 working days in advance
OTHER CURRENCIES
at least 48
hours in advance



And the fees for cash withdrawals are as follows:

COIN
SUMA
COMMISSION - Individuals
COMMISSION - Legal Entities
READ
0 - 50.000
0.50%, min. 5 LEI
0.80%, min. 10 LEI


50.000 - 499.999,99
1%
0.80%, min. 10 LEI


≥ 500.000
1,5%0.80%, min. 10 LEI

EURO
0 - 10.000
0.50%, min. 3 EURO0.80%, min. 3 EURO

10.000 - 99.999,991%
0.80%, min. 3 EURO


≥ 100.0001,5%0.80%, min. 3 EURO



⠀Important for legal entities: 

Non-delivery of cash for reasons not attributable to the bank, on the date set by the bank implies a rescheduling and the application of a penalty fee of the scheduled and undelivered amount (for amounts greater than 200,000 lei, 50,000 EURO, 50,000 USD) according to the BT Decision 😬

The commission will be calculated on the difference between the scheduled amount and the amounts specified above and will be withheld according to BT procedures in the amount of 0.25%.  

Cash deposits to the account of an economic agent, by a person other than the authorized or delegated person existing on that account are charged 0.3% min. 10 LEI 😕

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