What can you do with BT Pay

In today's super-digitalized world, managing money must be fast, easy, and accessible... and BT Pay is the perfect banking app that helps you exactly with these things 👀. You make payments, check your money status, manage your accounts and savings, but you also have special offers – all of these, directly from your phone. Which you always have with you anyway.

But let's see exactly what you can do with the free BT Pay app:

Card & Payments:

• Pay with your phone in stores and confirm online payments, to be always safe
• You pay online with Pay with BT Pay.
• Send and ask for money friends: based on the phone number and via IBAN.
• See and copy the card details for the moments when you want to pay for something online, but you are too comfortable sitting on the couch to look for your wallet.
• Block and unlock the card and you set trading limits.
• Withdraw money from the ATM - either directly with the phone, or generate a code directly from the app - yes, there are still moments when you need cash 😊.
• See balance, transaction history and grouped purchases by expense categories.

You pay the bills:

• You connect your online accounts with providers, see the due invoices and you receive a notification when you have a newly issued invoice.
• You can scan the invoice directly from the suppliers or pay the invoice through a payment order.

Access to your accounts:

• See in the app all the accounts you have and you can rename or reorder.
• See the balance and transaction history.
• Setezi recurring payments.
• Do currency exchange and foreign currency payments.
• You have access to account statement for any period you want.
• You open accounts in multiple currencies.

Economies (yes, with interest 😊):

• Round Up: you put money aside while shopping. You choose a rounding multiple (1 leu, 5 lei, or 10 lei), and with each card payment, the amount paid is rounded up to the multiple you chose and deposited into the Round Up account.
• Term deposits: you save at your own pace, over a longer or shorter period, with a fixed interest rate for the entire deposit period.
• Savings account: you can open a savings account in lei or euro with a minimum of 100 lei/euro and you can deposit and withdraw money whenever you want from it.

Investments:

• You have access to 14 investment funds in RON, EUR and USD, with different degrees of risk and potential returns.
• See details about the yields of each fund, main holdings and currency.
• Setezi recurring payments.

Credits:

• You ask a personal loan of up to 100,000 RON and you have immediate access to money.
• If you already have a loan, see the loan details and payment obligations.

Star shopping card:

• You issue a shopping card direct from BT Pay and you pay in installments at over 25,000 partner stores.
• Can may terminate the line of credit at any time.

Overdraft, reserve money for unexpected expenses:

• You have immediate access to a sum of up to 25,000 lei.
• Can may terminate the line of credit at any time.

Insurance, just a few clicks away:

• RCA*: you can choose to insure your car for a period of 6 or 12 months.
• Travel insurance*: valid anywhere in the world, for 1 year, with cancellation included.
• Road tax vignette: you buy it either for yourself or for someone close to you and it is valid only on the territory of Romania.
• *You can pay in up to 12 installments with any BT shopping card

Card issuing:

• You issue a new card directly from the app which you pick up from any BT location or you can choose to receive it by courier.
• You issue virtual cards in RON, EUR, USD, for online shopping or POS payments.
• You can issue a card for a designated holder and see the payments made with it. Additionally, you can modify the card limits.

BT Pay Kiddo, meaning BT Pay for the little ones:

• Option in BT Pay is also for children aged between 8 – 18 years.
• Children can do everything they need in BT Pay, depending on their age – come on here to see more.

Good to know, there are still looooots of things you can do in the app:

• Reload SIM card from Orange, Vodafone or Telekom.
• Add cards from another bank.
• Donate to your favorite cause.
• You have offers and discount codes.

If you are not yet a BT client, you just need to download the BT Pay app for free from the AppStore, Google Play or Huawei AppGallery and open an account 100% online. You just need to be over 18 years old and be a resident. 💝