Shopping in your style
In October, pay with any BT card, including co-branded cards (Dedeman, Carrefour, or Flanco), for a purchase of at least 500 lei and split it into 10 interest-free installments.
In addition, you are automatically entered into the draw for one of 10 JYSK gift cards, each worth 1,000 lei.
Direct in Flanco stores. If you have the income reported to ANAF, it is enough to have only the original identity document with you.
For any full payment in Flanco stores, you get 5% bonus back on the card.
You have 0% interest if you return the full amount in the grace period of up to 55 days.
Confirm payments simply and intuitively directly from your phone using face ID, fingerprint or another unlocking method of your phone.
You receive an SMS after each transaction and find out the updated available amount. The first 3 months are free, then the cost will be 5 lei/month.
You can withdraw money from any ATM. In addition, if you want to find out the cost, send an SMS to 3750 with the amount you wish to withdraw and the number of days in which you will return the money.
Make a payment of at least 500 lei online or in any physical store, wherever you feel like shopping.
Turn it into 10 interest-free installments after payment, you receive an SMS and choose the 10 installments option by replying according to the instructions.
Automatically enter the draw and you could win one of 10 JYSK gift cards, each worth 1,000 lei.
All your cards directly on your phone, always at hand, just a tap away. You pay quickly, wherever you are.
You download the app from the App Store or Google Play
Add your Direct card in the “Add a BT Card” section îin about 2 days after loan approval
You complete with your card details and confirm with the code received by SMS
Just unlock your phone and pay, you won't need to enter the PIN at the POS anymore.
The card number, CVV code, expiration date, and your loyalty points, everything you need for fast and secure online payments, directly in the app.
Enable online payment approval and quickly confirm each transaction with biometric data or the phone unlock method.
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.
Minimum income of 1,200 lei
The minimum age of 18 years
Salaries, pensions or other types of stable income for at least 3 months
For any eligible* purchase made in Flanco stores and on flanco.ro You receive 5% back in the form of a bonus, which you can convert into cash on the card at any time by calling 021.308.4000 or monthly via SMS
*Full payment or Easy Installments, through the Anywhere Installments program
Lunar, we send you an SMS with the bonus value, you reply anytime in the next 3 days with the text bonus + its value, as follows: "BONUS XX lei".
The second day after receiving our confirmation, you will find the bonus on the card
Find out more information about the campaign regulations, here.
Yes, you can refinance any loan or credit card you hold, through Direct Card or 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.
Scan the QR code and download the BT Pay application.
