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    • 0264 308 028 or *8028 The number is available from any national network.
    0264 303 003 Direct line for all Romanians who are abroad, including assistance in English.
    Fraud assistance
    Fraud assistance
    In case you suspect fraud on your account, call quickly at 0264 308 055.
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    BT Visual Help

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    Quickly see the details of your accounts, call 0264 308 000 and you receive an SMS with the access link.

    Your home bank

    CASHBACK AND DOUBLE INTEREST ON SAVINGS

    NEWOnline account from abroad with Romanian ID card or passport with residence abroad (only for persons who previously held a Romanian ID card)

    You fill in the form, open a 100% online account at BT, pay with your phone using a BT card in euros or lei, and receive cashback of up to 100 euros. Plus, we double your interest on savings accounts in lei or euros.

    Open account
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 ROMANIANS Have an account at BT, the largest financial group in Romania
    +5,000,000 OF ROMANIANS
    They have an account at BT, the largest financial group in Romania

    Free account in RON and EUR

    Complete control in a single app. For income abroad, expenses in Romania. Cashback on purchases, up to 100 euros.

    Double interest to savings

    You save money in lei or euros, and we double your interest on savings accounts in the first month, so you can achieve all your plans.

    Free Euro Card, delivered at home

    With the "Diaspora" banking subscription, we deliver your card free of charge to countries in the European Union, the Republic of Moldova, and the United Kingdom.

    Invest in Romania

    Directly from the app, into one of the 14 investment funds in BT Pay.

    For double cashback & interest

    • Fill in the campaign form
    • Download the BT Pay application for free
    • You open an account 100% online (with your ID card or Romanian passport, residing abroad)
    • Important: Identification in BT Pay with the CRDS passport is available only for individuals who previously held a Romanian identity card (simple or electronic). Otherwise, the account can only be opened at a BT branch.
    • Get 5% cashback on purchases made with your phone using a BT card, up to 100 euros
    • You open a savings account in lei or euro, from the "Savings" section, for which you also get double interest
    Download BT Pay

    Choose the Diaspora subscription

    Banking without borders with benefits specially created for you

    Open an account online

    Cont

    • Free current account opening in euros and lei
    • Free current account management in euros and lei

    Euro card

    • Digital card, instantly available in BT Pay
    • Free card delivery at home in the EU, the United Kingdom, and the Republic of Moldova
    • Free card issuance & management
    • The first 5 cash withdrawals per month free of charge from any ATM abroad

    Daily Banking

    • You collect money in euros and lei, with no fees
    • You send money in euros to EU countries, with no commission (SEPA payments)
    • Transfer money in RON to any bank in Romania
    • Preferential exchange rate up to 2,000 euro per transaction
    BT Pay

    Everything, straight from
    by phone

    With BT Pay, you always have your home bank at hand, wherever you are: manage your accounts and cards, make payments and transfers, pay utility bills, save, invest, and much more.

    Open account
    You send money anywhere in the worldRecent transactionsAAndreeaToday, 2:32 PM-150.00 EURMMotherYesterday, 09:15-400.00 RONDDanielAugust 28, 2025-300 GBP

    You send money anywhere in the world

    You make transfers instantly, either just based on the phone number or via IBAN. Stay connected constantly with your loved ones.

    All cards, zero worries

    You find out the exchange rate as accurately as possible, depending on your card and the currencies you want to trade. Moreover, in BT Pay you can open an account and have your virtual card in LEI, EUR or USD.

    Savings and deposits0.00

    Savings and deposits

    Savings and deposit account in lei or euro.

    Investment FundsMixed Fund (EUR)Equity Fund (RON)Fixed fund (RON)

    Investment Funds

    You can choose from 14 investment funds in lei, euros, or dollars. All within a secure and regulated framework, right here in Romania.

    Travel insurance

    Travel insurance

    Your cards are always with you, on your phone. You block, unblock, change limits, and approve payments.

    QUICK HELP

    Yes, you can, if you opt for a loan secured by real estate mortgage.

    It is necessary to have Romanian citizenship and income obtained from employment contracts carried out abroad, for an indefinite period, with a minimum seniority of one year.


    ❗⠀If you are thinking of taking a credit:

    ➤⠀can you calculate monthly rates online in BT loan simulator;

    ➤⠀and then find out by phone if you qualify for the desired amount. 😃

    In case you want to you make a quick transfer anywhere, use BT Pay application. You can download it for free from Google Play and App Store. After you enroll the card in the application, select the section „Transfer money” ➭ option „Send”;

    If you are doing this operation for the first time, don't worry! Money transfer process through BT Pay  it is an extremely simple one! 😉

    ➤⠀if you make a transfer in euros within the SEPA zone, the money arrives within a maximum of 48 hours / 2 working days;

    ➤⠀and if the transfer is in another currency or outside the SEPA area, the money will arrive in 3-5 working days.

    States included in the SEPA area can be grouped into three categories so that they are easier to find:

    Eurozone StatesNon-EURO Zone StatesMember States E.E.A / E.E.A*
    AustriaBulgariaSwitzerland
    BelgiumDenmarkIceland
    CyprusLatviaLiechtenstein
    CroatiaLithuaniaMonaco
    EstoniaGreat BritainNorway
    FinlandPoland–
    FranceCzech Republic–
    GermanyRomania–
    GreeceSlovakia–
    IrelandSweden–
    ItalyHungary–
    Luxembourg––
    Malta––
    Netherlands––
    Portugal––
    Slovenia––
    Spain––


    *S.E.E. = European Economic Area / E.E.A. = European Economic Area

    Each of us can perform any operations through our own account. However, indeed, there are situations where you do not have the possibility to do this personally or maybe you want a close person to have access to the account (husband/ wife/ partner (male)/ partner (female) etc). 😉

    In these situations, you can grant close persons the right to perform various operations on your account. To make this possible, we are waiting for you in any BT unit, to you and the close person to whom you want to give account access. It is important to have your identity documents with you! 💳

    If you still cannot come to the bank in person, then you can go to a notary to make a power of attorney through which you nominate the person you empower to request on your behalf operating rights on the account, respectively the person for whom you grant these rights, listing them at the same time. For example: to withdraw money, to make transfers and payments, etc.

    Thus, you no longer have to come to the bank, instead, the person you have nominated in the power of attorney will come to make the request on your behalf, together with the person to whom you grant the operating rights, also with identity documents. And if it is the same person, it is all the simpler.

    Steps to enroll in Mastercard ID Check are the following:

    ❶⠀After you choose the product / service you want to pay for, when making the online payment, the card details must be entered:

    ➤⠀card number;

    ➤⠀expiration date;

    ➤⠀CVV2 / CVC2 code. 


    To merchants who display the logos „Verified by Visa” and „MasterCard ID Check” an additional page will appear requesting the password entry. 👀
     

    ❷⠀The ID Check Password has been replaced with a dynamic password (OTP - one time password), different for each online transaction, the password that you will receive via SMS;

    ❸⠀The payment will be completed quickly, after verifying the password.


    🆕 Now you can confirm any online payment directly from your phone using a fingerprint or the phone unlocking method through BT Pay. Thus any online transaction will be made safely. 🔥

    Romanian identity card or Romanian passport, with residence abroad. ✨

    Important: the option to identify yourself in BT Pay with the CRDS passport is currently available only if you have previously held a Romanian ID card, either simple or electronic. If you have not had this type of identity document, the account can only be opened at a BT branch.

    Yes! 🙌

    You just have to choose the specific country prefix and make sure you have entered the phone number correctly.

    Everything you want! 😊 It doesn’t matter where you live, you can use all the app’s features – send and request money, access savings and deposit accounts, pay bills, see transaction history in real time, have virtual cards & soooo much more. ⚡

    In addition, you have zero commission for account and card opening and administration.

    See all questions - opens in new tab

    open account 100% online

    In about 10 minutes, through the BT Pay app, you have an account in euros or lei at BT and can use the instant card from the app. You receive 5% cashback, up to 100 euros, on phone payments using a BT card in euros or lei, and you earn double interest on your savings account in lei or euros.

    Open account
    Open account