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Download BT Pay

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

App Store

Download BT Pay

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.

App Store

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.

App Store
Terms and conditions

Disclaimer

AI Search is a pilot project - in beta - that uses GPT-4o 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.

Will the limit continue in Banca Transilvania under the same conditions? Does anything change?

The amount of the limit will be transferred at the same amount and with the payment obligations recorded in the OTP at the end of February 2025. As stipulated in the notice being served, there are a few aspects that are changing:

For variable interest:

  • The interest rate will be updated and modified by Banca Transilvania on a quarterly basis, depending on the reference index that you currently have in your interest rate: 1-month ROBOR, 3-month ROBOR or IRCC:
  • 3-month ROBOR/ IRCC in force on the last day of the previous quarter (March 31, June 30, September 30 and December 31) and applicable from the first day of the new quarter
  • The 1-month ROBOR in force on the last day of the previous month and applicable from the first day of the following month.

Variable/fixed interest:

  • The interest will be calculated by Banca Transilvania on the calendar days of the period of the credit granted, divided by 365 days (or 366 days in leap years) and will be charged on the last day of each month.
  • If the recording of interest results in the amount of the credit line granted being exceeded, the part of the unused credit line - if any - will be used to pay part of the interest and the balance, which could not be paid, will be recorded as interest outstanding.
  • In the event that you incur debits arising from the use of the credit line, the amounts deposited to the current account will be used to recover the said debits, in the following order: interest, fees and commissions due to the bank arising from the use of the credit line (including the use of the card(s) attached to the current account)
  • If you do not repay the interest due in full for 90 consecutive days, the entire outstanding amount will be declared early repayment on the first day of the following month.
  • After the declaration of early maturity, a penalty interest rate calculated on a fixed percentage basis shall be charged, which shall be 2 (two) percentage points higher than the current interest rate.
  • Banca Transilvania will not reduce or inactivate the line of credit in the event of failure to fulfill the contractual conditions regarding the monthly replenishment of the current account. At the expiration of the validity period of the credit line, 12 months or 36 months, according to the contract signed by you, Banca Transilvania reserves the right to carry out a review of the fulfillment of all your obligations, on the basis of which the credit line may be extended in compliance with the legislation in force."
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