More flexibility for shopping and rewards for you

Rate Oriunde is the program that lets you split any payment of at least 500 lei made with a BT Direct card into installments. You buy what you need, wherever you need it, and you can decide how many installments to divide the payment into.

This year we celebrate 10 years since we launched Rate Oriunde. During this time, over 500,000 purchases have been converted into installments, helping customers achieve their plans exactly when they needed to.

Behind these figures are thousands of stories: homes furnished, vacations planned, appliances bought at the right time, or personal projects brought to life.

How do we celebrate 10 years of Rate Oriunde?

In October, purchases of at least 500 RON converted into 10 interest-free installments are automatically entered into the draw for one of the following:

• 10 JYSK gift cards worth 1,000 lei each

More flexibility for shopping and an extra chance to enjoy a prize.

How to benefit from the offer?

You can quickly turn a purchase into installments in just a few steps:

1. You make a paymentof at least 500 lei with a BT Direct card, online or in-store.
2. After you have made the payment, you receive by SMS the available options for splitting the transaction into installments.
3. You choose 10 interest-free installments: reply to the SMS according to the instructions received.
4. You automatically enter the raffle: you can win one of the 10 JYSK gift cards worth 1,000 lei each.

What is different about Rate Oriunde?

Unlike traditional installment plans available only at partner merchants, Rate Oriunde offers you the flexibility to decide how to manage your payment after making the purchase.

You can use the program for purchases made:

• online or in physical stores
• in Romania or abroad
• without relying on a network of partner merchants

Basically, you choose the product you want from your preferred store, and then you can convert the eligible purchase into installments.

What are your benefits?

Besides the prizes prepared for you, you also have:

• the freedom to buy wherever you want
• the option to later convert the purchase into installments
• interest-free installments for eligible transactions
• simple, direct process via SMS
• greater flexibility in managing your personal budget

This anniversary comes with one more reason to take advantage of the benefits your BT Direct card 🎁. 

You choose what you want. We help you pay at your own pace.