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    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

    First Credit

    If you are 21 years old and already have permanent income, you can get the First Credit, quickly and with special benefits for you.

    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 duration of the loan, between 6 and 24 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 5,000 lei

    You can apply for funding of up to 5,000 lei, with a fixed interest rate throughout the credit period of 34.90%.

    Minimum monthly income

    You can apply at any time for the First loan, if you have a permanent monthly income of at least 1,000 lei.

    Simulate your first loan

    lei
    24
    6 Months24 Months
    MONTHLY RATE
    310.52 lei
    Annual interest
    effective (DAE)
    50,66%
    Total amount
    payment
    7,652.54 lei
    For all your plans
    Your financial protection

    Select your first loan and get immediate financial support tailored to your desires, simple and hassle-free. The rates are fixed, and life insurance is free.

    Granting conditions & necessary documents

    • Permanent income, minimum 1,000 lei

    • Minimum 3 months experience at the current employer

    • Maximum 27 years at the end of the borrowing period

    BT

    Representative example

    Value of the loan
    5,000 lei
    Loan duration
    24 months
    Interest
    34,90%
    Monthly rate
    310.52 lei
    Effective Annual Interest Rate (DAE)
    50,66%
    Analysis commission
    200 lei
    Total cost of the loan
    2,452.54 lei
    Total payment value
    7,652.54 lei

    Costs

    Fixed interest
    34.90% on 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 document

    • 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.

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