BANCA TRANSILVANIA S.A. products, services and reviews

About BANCA TRANSILVANIA S.A.

Banca Transilvania S.A. is a Romanian universal bank headquartered in Cluj-Napoca, listed on the Bucharest Stock Exchange under the ticker TLV, and supervised by the National Bank of Romania; it is the largest bank in the country by assets and lending. The bank serves retail, SME, and corporate clients through a nationwide branch and ATM network and digital channels including NeoBT for internet and mobile banking and BT Pay for card payments and wallets, with support for strong customer authentication and 3D Secure. Products include current and savings accounts in RON and major currencies, debit and credit cards (Visa and Mastercard), consumer and mortgage loans, SME and corporate lending, trade finance, factoring, cash management, and merchant acquiring; investment and savings products are distributed via BT Asset Management SAI and brokerage/investment banking via BT Capital Partners, while leasing and consumer finance are provided through BT Leasing and BT Direct, and microfinance through BT Mic; the group holds a controlling stake in Victoriabank in the Republic of Moldova. Past integrations include Volksbank Romania and Bancpost; in 2023 the bank signed an agreement to acquire OTP Bank Romania and related businesses, subject to regulatory approvals and closing. Deposits are covered by Romania’s Bank Deposit Guarantee Fund up to the equivalent of EUR 100,000 per depositor per bank. The bank reports under IFRS, is subject to CRR/CRD and PSD2, and offers open banking APIs. Governance is overseen by a board chaired by Horia Ciorcilă, with Omer Tetik as CEO. Fees, rates, and eligibility criteria vary by product and segment, and digital onboarding is available for selected retail services; product availability and terms are subject to change and regulatory requirements.