Credit Direct | BT Direct
Client
Partner
PromotionsBT 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.

    For all your plans

    Direct Credit

    With Direct credit, you quickly get the financing suitable to your needs, easily and without stress. You have fixed installments and free life insurance, so you can enjoy peacefully what matters.

    Schedule online
    BT Direct

    Apply for a partnership with BT Direct

    Complete your details and a BT Direct representative will contact you as soon as possible.

    Fixed rates for the entire loan period

    Fixed rates for the entire loan period, between 6 and 59 months, so that you can enjoy stability and control over your budget.

    Free life insurance

    A form of financial protection that gives you peace of mind and security, knowing that your loved ones are covered in case of unforeseen events.

    Funding of up to 60,000 lei

    You can apply for funding of up to 60,000 lei, with a fixed interest rate for the entire loan period of 21.90%.

    Apply for refinancing at any time

    A new financial beginning, at your own pace. You decide when the right moment is, we are here to support you.

    Simulate a direct loan

    lei
    59
    6 Months59 Months
    MONTHLY RATE
    1,681.33 lei
    Annual interest
    effective (DAE)
    24,67%
    Total amount
    payment
    99.398,69 lei
    For all your plans
    Your financial protection

    With the Direct credit, you get the funding that suits your needs, easily and stress-free. You have fixed rates and a free life insurance, so you can quietly enjoy what matters.

    Granting conditions & necessary documents

    • Permanent income, minimum 1,000 lei

    • Minimum 3 months experience at the current employer

    • Maximum 75 years at the end of the loan period

    BT

    Representative example

    Value of the loan
    5,000 lei
    Loan duration
    24 months
    Interest
    fixed 21.90%
    Monthly rate
    276.01 lei
    Effective Annual Interest Rate (DAE)
    32,68%
    Analysis commission
    200 lei
    Total cost of the loan
    1.624,23 lei
    Total payment value
    6,824.23 lei

    Costs

    Fixed interest
    21.90% over the entire loan period
    Credit file analysis commission
    200 lei
    Monthly administration fee
    6.5 lei

    Reimbursement commission

    If between the refund date and the contract termination date is more than one year
    1% of the early repaid loan
    If between the reimbursement date and the contract termination date there is not more than 1 year
    0.5% of the prepaid loan

    Necessary documents

    • Identity card

    • The income inquiry agreement at ANAF. If the income is not available in the ANAF database: income certificate (download here) or the last pension voucher.

    Payment methods

    • Barcode scanning*

      • At the BT Express terminalsfrom the locations Banca Transilvania - you pay the desired amount by scanning the barcode
      • In the PAGO application,by selecting BT Direct-Credit in the Suppliers menu
      • At the one-two vending machines, from the network of over 10,000 partners that you find here.
      • In the application un-doi, by selecting BT Direct in the Suppliers menu

      *Don't have the barcode at hand? You can generate the barcode by entering the account number here.”

    • By predefined payment order

      • In the BT Pay application in the “Pay a utility bill” menu, providerBT Direct – Creditby completing the information from the barcode*.

    • By interbank transfer

      • If you make the payment from a bank other than Banca Transilvania, use the account RO52BTRL01301202925681XX and mention the name of the credit holder and the credit contract number.

    Frequently asked questions

    The card is sent inactive for security reasonsță, but în 3 pași simpli, l-ai și activated. 

    Step 1: ensureă-te că you have the card at îndemână, ca să we can identify you.  

    Step 2: sună at 021 308 4000 

    Step 3: our robot will guide you step by step. You just need to săyou selectțthe action “activate card”.

    Done, good luck with the buyărături! 💳🤩

    Yes, you can refinance any loan or credit card you hold, through Direct Cardor through credit, provided that supporting documents are presented.

    Through the program of Rate Anywhere, you can convert into installments (from 3 to 36), any purchase over 500 lei. At the time of full payment that exceeds this amount, we will send you an SMS informing you that you can convert the paid amount into 3 Rates without Interest or in 4–36 Easy Installments, with only 1.25% interest per month.

    You have 3 days from receiving the SMS to decide if you want to convert the transaction into installments and to respond to the received SMS. In the next statement, you will see the cancellation of the transaction with full payment and the first installment of the purchase made.

    Online scheduling
    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
    I want to talk to an agent
    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.