How to invest safely in Romania, in FIDELIS government bonds, 100% online, through BT
Romanians in the diaspora have demonstrated, year after year, that the connection with Romania does not depend on distance. Even if you live and work outside the country, your financial decisions can have an impact "at home". You have the opportunity to save smartly and invest in Romania, under safe and transparent conditions.
Let's take it one step at a time.😊
What are FIDELIS government bonds and why do they matter for Romanians in the diaspora?
FIDELIS government securities are savings instruments issued by the Romanian state, dedicated to individuals who want to place their money under conditions of safety and transparency.
I am a savings and investment solution in Romania, available also through BT Capital Partners. You can subscribe 100% online, directly from the BT Trade app, with accessible amounts, tax-free earnings, and the possibility to access your money before maturity. It is a simple and safe way to keep your savings connected to Romania, even if you live abroad.
For Romanians in the diaspora, it matters because:
- investment permits in Romania, regardless of the country you live in;
- offers stability and predictability;
- represents an alternative to keeping money in non-yielding current accounts;
- can be accessed digitally, without trips to the bank.
How do FIDELIS government bonds work through BT Capital Partners?
The process is clear and completely online, including for Romanians in the diaspora.
The steps to invest in FIDELIS government bonds through BT:
- You open a trading account at BT Capital Partners
- If you are a Banca Transilvania client, the account is opened 100% online.
- You access the application BT Trade or download it from the App Store / Google Play.
- Complete the data and validate the information
- complete the online application;
- answer the customer knowledge questionnaire;
- attach a photograph of the identity card.
- You receive and accept the account opening offer
- Offer includes: the contract, client sheet, commission annex, general business conditions.
- Transfer money and activate the account
- the transfer is made from your BT account, in lei or euros;
- after confirmation, you can start the subscription.
How do you actually get FIDELIS government bonds in BT Trade?
The subscription is made directly from the application, in a few simple steps:
- Enter BT Trade
- Portfolio → Trading → Add subscription;
- Select the FIDELIS offer
- choose the number of titles (the value is a multiple of 100);
- Do you finalize the subscription
- check the status: "Validated" or "Completed";
- See the titles in the portfolio
- appear in the application in the first week after the broadcast ends.
What conditions must be met to invest from the diaspora?
- to be a client of Banca Transilvania;
- do you have an email address registered with BT;
- you hold a valid identity document;
- you have a BT account from which you can make the initial transfer;
- you have access to the BT Trade application.
What are the benefits and advantages of FIDELIS government bonds for the diaspora?
- Interests and trading earnings are not taxed.
- You have online access, from anywhere. Everything is done from the BT Trade app.
- You can sell the securities before maturity, directly from the application, as they are listed on the Bucharest Stock Exchange.
- The investment starts from values adapted to personal saving.
Risks, common mistakes and what it is good to know
Even though they are considered safe instruments, it is important to take into account legislative or fiscal changes, market price variations - if you sell before maturity - and differences between issues regarding maturity or interest.
Examples and practical recommendations for Romanians in the diaspora
- If you want medium-term saving, keep the titles until maturity.
- If you need flexibility, track the price and sell directly from the app.
- If you want to keep your savings in Romania, but live abroad, FIDELIS is a balanced solution between safety and yield.
FIDELIS government bonds, available through BT Capital Partners, are a clear and secure solution for Romanians in the diaspora who want to save and invest in Romania. With digital access, tax-free earnings, and flexibility, they allow you to stay financially connected with "home," no matter where you are.
Invest simply. Save smartly. Stay connected with Romania, alongside BT.
Frequently asked questions about FIDELIS government bonds through BT
Can I invest in FIDELIS government bonds if I live outside Romania?
Yes. If you are a Banca Transilvania client, you can invest 100% online, from the diaspora.
Do I have to come to Romania for the account opening?
No. The trading account at BT Capital Partners is opened online, through BT Trade.
Can I withdraw my money before the due date?
Yes. The securities are listed on the Bucharest Stock Exchange and can be sold from the application.
