How much time do I have to complete the overdraft approval application?
After you have filled in the necessary information, you have a maximum of 48 hours to proceed to the next step and sign the ANAF consultation agreement. In case you do not ...
How is the premium for life insurance for credit cards or overdraft calculated?
The premium is first calculated based on the utilized amount. The premium rate is 0.268% applied monthly only to the utilized value of the credit line. 😉
What risks does life insurance cover for credit cards or overdraft?
➤ Death from any cause;➤ Involuntary loss of employment or hospitalization due to illness or accident, depending on the status ...
Why should I opt for life insurance for credit cards or overdrafts?
➤ You benefit from a free period of up to 3 months (taking into account the month in which the insurance is purchased and the following 2 months);➤ ...
What software do we use for signing documents?
For BT Pay we use the services of Asseco and AlfaTrust. 😊 Through these integrations, you sign both the documents necessary for consulting ANAF, as well as the documents ...
What will my overdraft interest rate be?
The interest rate on the Overdraft is variable and is determined individually, depending on your client profile and the policy of Transilvania Bank.What is important ...
I have an Overdraft limit at Banca Transilvania as well. Will the limit from OTP be added to the one from Banca Transilvania?
Your OTP Overdraft limit will be transferred to a separate account in Banca Transilvania. Therefore, you will benefit from two credit lines on the account ...
What are the granting criteria for the overdraft?
Eligibility conditions required to be met in order to benefit from an overdraft are the following: ❶⠀You must be a natural person of citizenship ...
How to obtain an overdraft?
find out online if you are eligible by applying on the page dedicated to the overdraft; you can come to one of the BT units or apply directly from BT Pay.After that ...
What are the advantages of overdraft?
❶⠀The bank does not charge fees and commissions if you do not use the amount granted as an overdraft;❷⠀The money is permanently available in the account and can be ...
How is the refund of the amount used from the overdraft made? Is it a monthly payment, like a loan, or do I have to deposit money?
The repayment of the amount used on the Overdraft is automatic. The overdraft does not have a fixed monthly rate like a classic loan (e.g.: consumer loan ...
Can I have an overdraft if I already have other loans at BT?
Yes, it is possible! The fact that you already have other loans at Banca Transilvania does not automatically disqualify you. Your eligibility for an Overdraft is determined ...