Banca Transilvania loans 2026

About Banca Transilvania

Banca Transilvania S.A. is authorised in Romania and entered in the Credit Institution Register. Banca Transilvania is a Romanian banking institution.

BT has five categories in this check. Its refinancing product should be compared against the remaining balance and term, not only the proposed monthly payment.

What is currently comparable for Banca Transilvania

The Kreditano catalogue contains 4 active Banca Transilvania product identifiers: Personal loan, Refinancing, Mortgage, Credit card. In the reopened sources, 4 examples were reconfirmed, 0 had ended validity periods and 0 figures remain unchecked.

Banca Transilvania application channels

Banca Transilvania points applicants to its official page, the BT Pay app or a branch, depending on the product. A simulation or preliminary reply is not an approval. Before signing, compare APR, total payable and the costs in the SECCI or ESIS issued for your file.

Official examples and verification status

Editorial check: 10 August 2026.

We reopened the Banca Transilvania sources on 10 August 2026. APR is shown only where the official page still provides an identifiable representative example; a missing percentage means the previous figure was not reconfirmed.

A representative example is not a personalised offer.

The card example identifies the product in the linked document. We do not extend its figures to every Banca Transilvania card; the variant-level catalogue remains under review.

• Banca Transilvania: Personal loan · Official example: 10,44% · 55.000 lei · 60 luni · dobândă fixă 8,50% · rată de la 1.306 lei · total 68.711 lei product source
• Banca Transilvania: Refinancing · Official example: 10,17% · 55.000 lei · 60 luni · rate egale · dobândă fixă 8,50% · rată 1.128 lei · total de plată 69.333 lei product source
• Banca Transilvania: Mortgage · Official example: 7,32% · 300.000 lei · 360 luni · dobândă fixă 3 ani · rată 1.629 lei · total 742.680 lei product source
• Banca Transilvania: Credit card · Official example: 26,77% · Star Forte · limită 10.000 lei · 5 ani · dobândă fixă 24% · total de plată 22.045 lei product source

Documents vary by Banca Transilvania product

Identity documentation is the common starting point. Income may be checked through ANAF where the income category allows it, and the bank may request supporting papers. Mortgages add property documents, valuation and required insurance; Banca Transilvania provides the final list for each applicant.

What Banca Transilvania assesses

Banca Transilvania decides eligibility using income, existing commitments, payment history, age at maturity and product rules. We do not publish one universal threshold because consumer loans, cards, refinancing and mortgages follow different conditions.

Sources used for Banca Transilvania

The data on this page is based on the following sources:

Questions about Banca Transilvania products

Which Banca Transilvania costs were reconfirmed?

The cards above separate reconfirmed official examples from products for which we do not yet publish a new percentage. Sources were checked on 10 August 2026.

Can I repay a Banca Transilvania loan early?

Yes, per GEO 50/2010 art. 67. The fee is legally capped at a maximum of 1% of the early-repaid amount if more than 12 months remain, 0.5% if the remaining period is under 12 months, 0% for loans with variable rate indexed to IRCC. For the calculation, see the early repayment calculator.