BT Pay is a modern digital wallet and mobile banking solution developed by Banca Transilvania to simplify the way you pay, manage your accounts, and interact with your money. Designed with usability, security, and convenience in mind, BT Pay transforms your smartphone into a powerful financial tool—enabling fast contactless payments, peer-to-peer transfers, account management, and real-time financial updates, all within a secure and intuitive interface. Whether you're paying at the store, sending money to a friend, or checking your balances, BT Pay offers speed, control, and flexibility every step of the way.
Quick and Secure Registration
- Get started in minutes with a simple, guided setup.
- Register with a valid mobile phone number and date of birth.
- Add your Banca Transilvania debit or credit cards by entering the card details.
- Secure your access using your phone’s built-in security method such as PIN, fingerprint, or pattern.
- Once registered, all BT Pay features are unlocked and ready to use.
Seamless Contactless Payments
- Make purchases on the go using your smartphone—no plastic required.
- Use any BT card added to the app to pay at NFC-enabled payment terminals.
- Simply unlock your phone and tap to pay, with no need for physical cards.
- Payment processing is instant, secure, and free of commission.
- Supported worldwide wherever contactless payments are accepted.
Effortless Money Transfers
- Send and receive money instantly using only a phone number.
- Transfer funds between BT Pay users without needing an IBAN or bank details.
- Request payments from friends or family using a simple prompt.
- Money is delivered in real time and securely backed by Banca Transilvania infrastructure.
- Works across different BT accounts and user profiles.
Real-Time Account and Card Management
- Monitor spending, manage your funds, and stay financially aware.
- View card balances and transaction histories in real time.
- Switch between linked BT debit and credit cards effortlessly.
- For credit cards, track monthly obligations and payment timelines.
- Access full financial snapshots on demand from your dashboard.
STAR Loyalty Integration
- Reward your spending with benefits and partner deals.
- Track STAR points earned from credit card purchases.
- Redeem points for goods and services directly through BT Pay.
- Access exclusive offers, discounts, and rewards from STAR-affiliated merchants.
- Promotions and loyalty benefits are updated regularly and personalized for users.
Secure Payments and Advanced Protections
- Built with a commitment to security and user protection.
- All transactions are protected by your device’s native security method.
- Card data is encrypted and never stored in plain text.
- Digital payment protocols align with international standards for mobile banking.
- Anti-fraud protections run in the background to monitor unusual activity.
Streamlined User Experience
- Manage your finances in a few intuitive taps.
- Sleek, clutter-free interface focused on speed and clarity.
- Fast switching between features like payments, transfers, and history.
- Smart notifications for transactions, loyalty rewards, and account activity.
- No physical paperwork—just fast, digital interaction with your money.
Frequently Asked Questions
Q: Can I make payments without opening the app each time?
Yes, after your phone is unlocked, simply tap it at a terminal to pay using your selected BT Pay card.
Q: What do I need to send money to another person?
You only need the recipient's phone number, and they must also have BT Pay installed.
Q: Is BT Pay secure for contactless and remote payments?
Yes, all transactions are encrypted and protected by your device’s authentication system.
Q: Can I pay with multiple BT cards using the app?
Yes, you can register several BT cards and choose between them during checkout.
Q: How do I collect or redeem STAR points?
STAR points accumulate automatically when using your BT credit card and can be redeemed at partner merchants through the app.
Q: Are there any fees for transfers or payments?
No, BT Pay does not charge commissions for standard transfers or contactless payments.
Q: Can I use BT Pay abroad?
Yes, as long as you are paying at a contactless terminal, BT Pay works internationally.
Q: Does the app support Android and iOS devices?
BT Pay is available for both platforms and supports a wide range of NFC-enabled smartphones.
Version History
v3.9.3(466af01c67) —— 16 Jun 2025
Dark mode support—users can now enable a dark theme in app settings for a more efficient remote banking experience.
Performance optimizations—ongoing improvements, both minor and major, to enhance overall app functionality.
v3.9.0(c4be79171a) —— 31 May 2025
Same updates as v3.9.3—continued refinements to ensure optimal app performance and usability.
v3.8.0(363f7b6769) —— 14 Apr 2025
Same updates as above—routine maintenance and backend enhancements for a smoother banking experience.
