- 9.06% variable interest (IRCC + 3.50pp)
- 14% p.a. fixed interest (if you receive the income at BT)
- 17% p.a. fixed interest (if you do not receive income at BT)
Apply now
Fill in the form below.
Important
To benefit from the offer, you must choose a minimum credit limit of 2,000 lei and request an overdraft through BT Pay or at a BT branch up to October 30, 2026 – deadline for submitting the application.
The overdraft limit must be granted and available on your account by November 13, 2026.
After you apply, you will receive a confirmation email and we will call you as soon as possible. ⚡If you want it even faster, you can also schedule online at your preferred branch. 😊
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You are at least 18 years old
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You have a minimum income of 800 lei
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The length of service at the current workplace is at least 3 months
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You have no overdue loans
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You choose the minimum credit limit of 2,000 lei
Loan amount
10,000 lei
Variable interest rate
9,06%
Loan term
1 year
Annual Percentage Rate (APR)*
9,56%
Total cost of the loan**
916 lei
Total amount to pay
10,916 lei
*The APR was calculated on the assumption that you withdraw the entire credit line from a Banca Transilvania ATM or the POS at a Banca Transilvania counter, after approval, using the Visa Classic card, and that you pay the interest monthly according to the contract for the full amount of the credit drawn. Please note that the options for repaying the amount used from the granted credit line may be affected by fluctuations in your own income.
**We have added the total interest with the costs of using the debit card as a payment instrument.
Apply now
Fill in the form below.
Low interest, money on card
With an overdraft, you can access up to 6 salaries directly on your debit card. Approval within 24 hours.
