How do you open a bank account in Romania at BT if you live abroad?
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How do you open a bank account in Romania at BT if you live abroad?

BT PAY
29 May 2026
READING TIME: 3 MINUTE
How do you open a bank account in Romania at BT if you live abroad?

How do you open a bank account in Romania at BT if you live abroad?

If you live abroad, but still want to be close to your loved ones in Romania, the good news is that you do not need to come to the country to open a bank account at BT. You can open an account 100% online, directly from BT Pay, wherever you are.

The process takes 7-10 minutes and is done directly from the phone, without the need to come to the bank.

Banking without trips, directly from the phone

The process is designed to be as simple and fast as possible:

  • Everything is done 100% online
  • It takes approximately 7–10 minutes
  • It is available 24/7
  • No videocall or coming to a BT location is needed

That means you only need a phone and a few free minutes: about as long as you would listen to 2 songs you like. 😊 You just need to be a Romanian resident (meaning you have a valid Romanian ID card/European ID), be at least 18 years old, and have a phone with a valid phone number – the good part is that it can be either a Romanian number or a foreign number.

And… what happens after you complete the process and open your account in BT Pay?

You use BT Pay on the spot and enjoy banking directly from the phone, meaning you can do whatever you want.

  • You have a digital card automatically issued in the app and you manage your money in real time
  • ZERO commission for opening and managing the account and card
  • You are always in control: you pay the bills in Romania for gas, electricity, phone, etc

💸 Payments and transfers

  • Transfers with ZERO commission between BT Pay users, in lei or other currencies. In addition, you can open accounts in 14 currencies.
  • You pay by card without fees, online and in stores
  • You send money quickly, based on the phone number to your loved ones who already have BT Pay or via IBAN. You can send money by IBAN in any currency in which you have open accounts (with the "Currency Payment" option, in the "Accounts" section)

📲 Cards and flexibility

  • Virtual cards in lei, euros and dollars, with the coolest animated designs
  • You can add cards issued by other banks or fintechs from abroad in BT Pay and also top up
  • The physical card can be delivered free of charge by courier in: Italy, Spain, Germany, the United Kingdom, and the Republic of Moldova.

💰 Savings

  • Savings accounts in lei or euro
  • Term deposits in lei, euros or dollars

If you yourself live in the diaspora and do not yet have an account at BT (or maybe you have loved ones who are in this situation 👀), we inform you that you receive up to 100 euros cashback if you open a 100% online account from BT Pay, you apply on the campaign page and make payments with the euro card. Come and see! 💰


For any problems or questions you have, we provide you with dedicated support: call center for Romanians abroad ☎️+40 264 303 003

Come to the largest banking community in Romania! ✨

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