For the BT Direct Installments Anywhere program, you can convert any purchase over 500 lei into installments (from 3 to 36). When you pay in full over this amount, we send you an SMS informing you that you can convert the amount paid into 3 Interest Free Instalments or 4 to 36 Easy Instalments with only 1% interest per month.

You have 3 days after receiving the SMS to decide whether you want to convert the transaction into instalments and reply to the SMS. On the next statement you will see the cancellation of the transaction with full payment and the first instalment of the purchase.

Example of a representative calculation for purchases with payment in instalments without interest: The APR is 0.97% for a loan of 10,000 lei, over a period of one year, considering a transaction in 12 interest-free instalments, a card issuing fee of 30 lei and a monthly credit management fee of 4.5 lei. The total amount of the credit is 10,084 lei.