Do I need to transfer my paycheck to BT in order to refinance a personal loan?

You can refinance a personal loan with Banca Transilvania without having to transfer your paycheck to a BT account.

However, redirecting your paycheck can offer significant benefits, particularly a lower interest rate, as well as a practical advantage: the payment is automatically deducted from the account where your paycheck is deposited, eliminating the risk of late payments or transfer fees.