If I requested a loan with refinancing, when can I withdraw the additional amount?
You will be able to withdraw the amount once we receive proof of loan closure. The credit officers at the Banca Transilvania branch where you took out the BT loan ...
How do I update my personal data?
If it’s time to update your information, you can send us an e-mail at actualizaredateBTD@btdirect.ro. The e-mail must include: a copy of the ID ...
Where and how can I pay my installments?
To pay your installments you will need the Direct Card and the barcode from the first page of the statement, the one in the middle. Your options:By ...
What do I do if I have lost the Direct Card?
As soon as you notice your card is lost or stolen, block it immediately via: BT Pay - the quickest way: from the main page choose the ...
When do I have to pay the first installment of the loan?
For any new Credit Direct taken out through Banca Transilvania branches, the first installment is due by the 7th of the month following the signing ...
What does the 55-day grace period mean?
This is the number of days you benefit from 0% interest on purchases. The period is at least 25 days and can extend up to a maximum of 55 ...
If I am a co-borrower on a loan, can I apply for another loan or card?
Yes. As part of the eligibility check (that is, when we verify whether you qualify for a BT Direct loan), the instalments related to the loans ...
If I pay more than the monthly installment, is it deducted from the interest, is the balance recalculated?
You can pay more each month, but the interest and loan amount only decrease if you complete the necessary documents:In the case of partial early repayment: ...
Where can I pay the monthly installments made with my Direct card?
🧾 Payment methods available for BT Direct: BT Express ATMs (Banca Transilvania) ➤ Identification with Direct Card or barcode scanning ...
What is the validity of my Direct credit card?
The card is valid for 5 years, just like all BT Direct cards issued from June 2021.Your card is valid until the last day of the month ...
How can I obtain a BT Direct personal loan?
Simple: go to the nearest Banca Transilvania branch, and our colleagues will gladly assist you. You can also book an appointment online by choosing the agency ...
When can I withdraw the money, in case of approval of the Direct Credit?
The second day after signing the loan agreement, from any Banca Transilvania branch. Credit officers will give you all the details about the disbursement ...