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Scan the code with your mobile phone, depending on your phone system.

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Download BT Pay

Scan the code with your mobile phone, depending on your phone system.

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Download NeoBT

Scan the code with your mobile phone, depending on your phone system.

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Download NeoBT

Scan the code with your mobile phone, depending on your phone system.

App Store

Download NeoBT

Scan the code with your mobile phone, depending on your phone system.

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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

What should I do if I want to withdraw a large amount of money from my account?

In order to withdraw an amount greater than 40.000 RON or 5.000 EUR you need to make an appointment in the agency at least 24 hours in advance.

Programming is necessary because for security reasons, both for customers and employees, we do not keep large amounts of money in the neighborhood agencies. Therefore, for large withdrawals the agency must be notified to bring the money into the facility. 😊

⚖ In addition, you should be aware that Romanian law provides for maximum limits on cash transactions, namely RON 10,000 / day / for payments for legal entities. For individuals, in general, there is no limit imposed by law. However, you should take into account that any cash transaction above EUR 10,000 or equivalent - regardless of currency - is automatically reported under Law 129 / 2019 for the prevention and combating of money laundering and terrorist financing to the National Office for the Prevention and Combating of Money Laundering.

Also, cash transactions carried out by individuals, following the transfer of ownership of goods, the provision of services, as well as those representing the granting or repayment of loans, may be carried out within a daily limit of RON 50,000 / transaction. Under these conditions, for larger amounts, supporting documents 📃 are required , which may include affidavits from the clients (regarding the destination of the amounts).

❗ Given these conditions, banks (including Banca Transilvania) are obliged to monitor compliance with the established ceilings and implicitly request supporting documents for cash withdrawals exceeding certain amounts.

Basically, according to the law, the Bank is obliged to ask you for supporting documents for transactions of individuals exceeding RON 50.000 / transaction.

Is it a good thing for society and customers that there is legislation requiring proof of where funds are going?

🤓 Yes, we think so - especially as this legislation is similar in all civilised countries and throughout Europe. It is a good thing that there are rules and transactions are checked, to ensure transparency of transactions, the purpose for which they are made and to ensure that illicit activities are not easily carried out. I mean these legal limits and regulations - which exist everywhere in Europe - help to have a sound society and a sound financial ecosystem, with rules and protected from illegal activities.

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