What are the advantages of overdraft?

❶⠀The bank does not charge fees and commissions if you do not use the granted amount as an overdraft;

❷⠀The money is available in the account, permanently, and can be used including through the debit card attached to the current account;

❸⠀You pay interest only on the used credit, and after you repay the amount used from the credit line, you can immediately use it again;

❹⠀It is easy to obtain, through your presence, with the identity card in BT unit, without documents from the workplace if you receive income through Banca Transilvania or directly in BT Pay;

❺⠀No need to withdraw the entire amount like at a personal needs loan, but you can gradually use from the credit line, when you run out of money in your account. You can withdraw money anytime, including through the card, from the ATM.