Co-branded cards | BT Direct
Call Center
  • 0213084000or
    contact@btdirect.ro
    The number is available from any national network.

    Search with AI Search

    AI Search from Întreb BT answers all your questions about banking.

    HELLO BT DIRECT

    You can know anytime everything you want about your Direct card, following the steps from Self Service ALO BT DIRECT 021 308 4000.

    Shopping in your style

    Our cards

    Shopping without worries, in installments without interest at partner stores or through the Anywhere Installments program. See payment details directly in the app.

    Rate Anywhere

    You can turn into installments (from 3 to 36) any purchases over 500 lei.

    01

    You buy at least 500 lei, with full payment

    02

    We are sending you an SMS to inform you that you can convert the amount paid into 3 interest-free installments or 4–36 easy installments, with only 1.25% interest per month

    03

    You have 3 days from the receipt of the SMS to decide if you want to choose payment in installments and to respond to the received SMS

    You have control, directly from BT Pay

    All your cards directly on your phone, always at hand, just a tap away. You pay quickly, wherever you are.

    01

    You download the app from the App Store or Google Play

    02

    You add the Direct Card in the section “Add a BT card”

    03

    You complete with your card details and confirm with the code received by SMS

    You make payments directly with your phone

    Just unlock your phone and pay, you won't need to enter the PIN at the POS anymore.

    You can find details about the card's dates

    The card number, the CVV code and the expiration date, everything you need for fast and secure online payments, directly in the app.

    You confirm online payments

    Activate online payment approval and quickly confirm each transaction with biometric data or the phone unlocking method.

    You check the transactions quickly

    You check the balance of your cards and see the details of the transactions made with the card. If you have a Garmin or Fitbit device, you can enroll the Direct Card in the payment applications.

    Conditions for granting & payment methods

    • Minimum income of 1,000 lei

    • The minimum age of 18 years

    • Salaries, pensions or other types of stable income for at least 3 months

    BT

    Payment methods

    • Scanning the barcode from the extract*:

      • At any SelfPay Payment Station, from the network of over 10,000 locations - which you can findhere.
      • In the PAGO application, by selecting "BT Direct" from the Suppliers menu and scanning the barcode.
      • In the 24Pay application, by selecting "BT Direct IFN SA" from the "Bill Payment - Financial Services" menu.
      • At the BT Express terminals in Banca Transilvania locations – you pay the desired amount by identifying yourself with the Direct Card or by scanning the barcode found at the bottom of the statement.
      • At any PayPoint payment point, in the network of over 18,000 partners - which you can findhere.
      • In Flanco stores, at the BT Direct Credit Bureau.
    • Bank transfer

    • If you make the payment from a bank other than Banca Transilvania, use the account RO44BTRLRONINCS000788104 and mention the account number or the barcode from the statement.

    • Predefined payment order

    • Through BT Pay, from the 'Pay a utilities bill' menu, selecting BT Direct - Card as the provider and completing the information from the barcode on the statement.

    • Postal mandate at any unit of the Romanian Post

    • In account RO44BTRLRONINCS000788104, mentioning the account number or the information from the barcode on the statement (the payment must be made 7 days before the due date).

    *Don't you have a card statement handy? You can generate the barcode by entering the account numberhere.

    Representative example

    Value of the loan
    10,000 lei
    Loan duration
    1 year (12 installments)
    Interest
    fixed 31.5%
    Effective Annual Interest Rate (DAE)
    39,9%
    Monthly administration fee
    8 lei
    Total cost of the loan
    11.933,17 lei

    Costs

    Issuance fee
    50 lei
    Electronic account statements
    free
    Monthly administration fee
    8 lei

    Everything from the app, in real time

    Scan the QR code and download the BT Pay application.

    BT AI Chat
    The system is experiencing issues. Please try again, a little later.
    Intreb BT Logo
    BT Questions is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers from banking.
    Search suggestions
    Powered by Azure OpenAI GPT-5
    AI Search provides automatically generated responses, using GPT-5 technology and an advanced orchestration mechanism via agents. Responses may contain inaccurate or potentially offensive content, which does not represent the views of Transilvania Bank. You are solely responsible for the use of content generated by this service..
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses GPT-5 technology to simplify the process of searching and understanding banking products.

    AI Search is trained to respond to questions exclusively related to the banking products offered by BT, however in certain situations and depending on the questions asked, it is possible to also respond to general questions. The answers provided are generated automatically and must be used only for informational purposes. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the viewpoint of Bank Transylvania. You are solely responsible for the use of the content generated by this service in any manner. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into it.

    Using AI Search involves accepting the Terms and conditions.

    The access and use of the service implies the unconditional acceptance of these terms and conditions. If you do not agree with 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 all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any guarantee regarding the answers provided by this service.

    AI Search provides algorithmic answers 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 obliged not to provide and not to enter in the messages/questions sent any kind of personal data or other confidential information. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for the processing of these in order to provide 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, being disclosed only to recipients who have the right and need to know it.

    The content provided by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed during the use of AI Search. Any abuse or inappropriate language may lead to the interruption of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting with human experts or professionals specialized in the respective field. Users should not rely on the information provided by AI Search for decision making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

    The terms and conditions may be reviewed/ updated at any time.