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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.

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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

Can I repay the loan early?

Of course! 😊 You can ask for full or partial early repayment of your outstanding loan with BT. Simply deposit the amount you want to prepay into your current account and then present your ID at any BT branch to complete the prepayment request.

What is early repayment?

Early repayment is the payment of an amount of the credit balance in advance at any time before the final maturity date.

When can you repay a loan early?

Early repayment of a credit balance can be made at any time, regardless of the type of credit. In order to repay a credit (in part or in full) early, you must not be in arrears. ❌

What is the procedure to repay a loan early?

The procedure to follow to repay a loan early is as follows: initially you need to make sure that the amount needed to repay the loan is available in your current account in the currency in which you took out the loan. You then need to go to the bank to fill in an early repayment request.

Full early repayment of the loan will be made on the loan balance and interest calculated at the date of repayment.

If you wish to make a partial early repayment of the loan, you can opt to reduce the loan period or lower the rate.

For variable-rate loans, BT does not charge an early repayment fee, and for fixed-rate loans the fee is 0.5% or 1% depending on the period between the repayment date and the last due date.

If you have pledged a property as collateral for the prepaid loan, after the loan is repaid in full, you will have to ask for the mortgage in favour of the bank to be cancelled.

Advantages of early repayment

The advantage of partial prepayment of the loan is the possibility to choose to reduce the loan period or the monthly repayment amount. At the same time, for the amount repaid early you will only pay the interest calculated at the date of repayment (and the repayment fee if applicable).

If you're thinking of taking out another loan, you can calculate your monthly repayments online in the BT credit simulator and then find out over the phone if you're within the amount you want. 😉

❕Payback processing is only from Monday to Friday, between 09-17. Early repayment requests can also be submitted outside this timetable, but will only be processed during this time.

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    Rate Reimbursement Interest Early repayment Responsible lending