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                    Amministratore delegato di Banca Transilvania
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class="bt-navigation-menu-category-menu-investor-relations-item-links-entry"><a href="https://it.bancatransilvania.ro/relatii-investitori/calendar-de-comunicare-financiara" class="bt-navigation-menu-category-menu-investor-relations-item-link"><span class="bt-navigation-menu-category-menu-investor-relations-item-link-text">Calendario finanziario</span><bt-icon class="bt-navigation-menu-category-menu-investor-relations-item-link-icon" symbol="arrow-right" data-wg-notranslate=""></bt-icon></a></li><li class="bt-navigation-menu-category-menu-investor-relations-item-links-entry"><a href="https://it.bancatransilvania.ro/relatii-investitori/environment-social-governance/impact" class="bt-navigation-menu-category-menu-investor-relations-item-link"><span class="bt-navigation-menu-category-menu-investor-relations-item-link-text">FATTORI ESG</span><bt-icon class="bt-navigation-menu-category-menu-investor-relations-item-link-icon" symbol="arrow-right" 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class="bt-navigation-menu-category-menu-default-extra-item"><a href="https://it.bancatransilvania.ro/retea-unitati/programeaza-te-online" class="bt-navigation-menu-category-menu-default-extra-link"><span class="bt-navigation-menu-category-menu-default-extra-link-text">Appuntamento online</span><bt-icon class="bt-navigation-menu-category-menu-default-extra-link-icon" symbol="arrow-right" data-wg-notranslate=""></bt-icon></a></li><li class="bt-navigation-menu-category-menu-default-extra-item"><a href="https://it.bancatransilvania.ro/login-internet-banking" class="bt-navigation-menu-category-menu-default-extra-link"><span class="bt-navigation-menu-category-menu-default-extra-link-text">Internet banking</span><bt-icon class="bt-navigation-menu-category-menu-default-extra-link-icon" symbol="arrow-right" data-wg-notranslate=""></bt-icon></a></li></ul><div class="bt-navigation-menu-category-menu-investor-relations-banners"><a href="https://it.bancatransilvania.ro/relatii-investitori" class="bt-navigation-menu-category-menu-investor-relations-banner"><div class="bt-navigation-menu-category-menu-investor-relations-banner-quote"><bt-icon class="bt-navigation-menu-category-menu-investor-relations-banner-quote-icon" symbol="quote" data-wg-notranslate=""></bt-icon><div class="bt-navigation-menu-category-menu-investor-relations-banner-quote-text">
                    Ci siamo impegnati a sostenere i sogni dei rumeni e degli imprenditori locali e a essere il partner con cui iniziare il loro percorso.
                </div><div class="bt-navigation-menu-category-menu-investor-relations-banner-quote-author">
                    OMER Tetik
                </div><div class="bt-navigation-menu-category-menu-investor-relations-banner-quote-position">
                    Amministratore delegato di Banca Transilvania
                </div></div><img src="https://www.bancatransilvania.ro/files/app/media/main-menu/Omer%20Tetik.webp" class="bt-navigation-menu-category-menu-investor-relations-banner-img" loading="lazy" width="400" height="420" alt=""></a></div></div></div></div></div></li></menu><div class="bt-navigation-menu-categories-footer"><a class="bt-navigation-menu-categories-footer-action" href="https://it.bancatransilvania.ro/cont-online">Apri un conto online</a></div></div></div></dialog><div id="bt-call-center-widget" popover="" data-scroll-lock-mobile="" data-hide-ai-chat-mobile=""><main class="bt-call-center-widget-main"><header class="bt-call-center-widget-heading"><div class="bt-call-center-widget-heading-text"><span>Call Center</span><button type="button" class="bt-call-center-widget-heading-action" popovertarget="bt-call-center-widget" popovertargetaction="hide"><bt-icon symbol="close" data-wg-notranslate=""></bt-icon></button></div><menu class="bt-call-center-widget-heading-menu"><li><label class="bt-call-center-widget-heading-menu-item"><input type="radio" class="bt-call-center-widget-heading-menu-item-input" name="bt-call-center-widget-heading-menu-item" value="Status" checked=""><span class="bt-call-center-widget-heading-menu-item-text">Stato</span></label></li><li><label class="bt-call-center-widget-heading-menu-item"><input type="radio" class="bt-call-center-widget-heading-menu-item-input" name="bt-call-center-widget-heading-menu-item" value="Telefoane"><span class="bt-call-center-widget-heading-menu-item-text">Telefono</span></label></li><li><label class="bt-call-center-widget-heading-menu-item"><input type="radio" class="bt-call-center-widget-heading-menu-item-input" name="bt-call-center-widget-heading-menu-item" value="Ajutor rapid"><span class="bt-call-center-widget-heading-menu-item-text">Aiuto rapido</span></label></li></menu></header><div class="bt-call-center-widget-status-meter"><div class="bt-call-center-widget-status-meter-fill"><div class="bt-call-center-widget-status-meter-knob"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 32 32" role="img" aria-label="Call Center status meter dynamic emoji"><title>Emoji dinamiche del contatore di stato del call center</title><defs><path data-eye-left-neutral="" d="M11.1,10.4L11.1,10.4"></path><path data-eye-right-neutral="" d="M20.9,10.4L20.9,10.4"></path><path data-mouth-neutral="" d="M7,20.9H25"></path><path data-eye-right-unhappy="" d="M20.9,10.4L20.9,10.4"></path><path data-eye-left-unhappy="" d="M11.1,10.4L11.1,10.4"></path><path data-mouth-unhappy="" d="M13.7,25 c1.1-1.3,2.5-2.3,4.2-2.8c1.6-0.5,3.4-0.6,5-0.2"></path></defs><path data-eye-left="" d="M12.5,12.7c-0.3-0.5-0.7-0.9-1.2-1.1c-0.5-0.3-1-0.4-1.6-0.4c-0.6,0-1.1,0.1-1.6,0.4c-0.5,0.3-0.9,0.7-1.2,1.1"></path><path data-eye-right="" d="M19.5,12.7c0.3-0.5,0.7-0.9,1.2-1.1c0.5-0.3,1-0.4,1.6-0.4c0.6,0,1.1,0.1,1.6,0.4c0.5,0.3,0.9,0.7,1.2,1.1"></path><path data-mouth="" d="M7.7,20.9 c0.7,1.6,1.8,3.1,3.3,4c1.5,1,3.2,1.5,5,1.5c1.8,0,3.5-0.5,5-1.5c1.5-1,2.6-2.4,3.3-4"></path></svg></div></div></div><div class="bt-call-center-widget-alert"><bt-icon symbol="alarm-clock" data-wg-notranslate=""></bt-icon><div class="bt-call-center-widget-alert-text"><div class="h5">Tempi di attesa lunghi!</div><p>Attualmente il numero di chiamate al nostro call center è molto elevato. Se avete un problema urgente, chiamate subito, altrimenti vi aspetteremo più tardi. Per risposte rapide, provare <a href="https://intreb.bancatransilvania.ro" target="_blank">Ask BT<span class="bt-sr-only"> - si apre in una nuova scheda</span></a> o <a href="https://it.bancatransilvania.ro/bt-visual-help" target="_blank">BT Visual Help<span class="bt-sr-only"> - si apre in una nuova scheda</span></a>.</p></div></div><section class="bt-call-center-widget-section" data-item="Status"><ul class="bt-call-center-widget-status"><li class="bt-call-center-widget-status-item"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 55 54"><path fill-rule="evenodd" clip-rule="evenodd" fill="#1A76FF" d="M12.7,8c4.6,6.8,10,13.2,15.9,19c2.1,2.1,2.1,3.1,3.1,2.8 c1.7-0.5-0.4-2.7-1.6-4.1c-4-5-8.9-11.2-10.2-12.8c-1.3-1.6-8.7-9.6-8.9-9.7c-0.7-0.4-1.5,0.3-0.8,1.5C10.8,5.8,12.6,7.7,12.7,8z"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M30.2,13c0.8-0.2,1.6-0.5,2.3-1c0.7-0.5,1.2-1.1,1.7-1.8 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c0.4-0.1,0.7-0.1,1.1,0c0.1,0.1,0.2,0.2,0.3,0.3C25,4,25.2,4.1,25.3,4.1c0.6,0,0.9,0.5,1.1,1c0.2,0.6,0.2,1.2,0,1.8 c-0.1,0.3-0.3,0.5-0.6,0.7c-0.2,0.2-0.5,0.3-0.8,0.4c-0.6,0.2-1.3,0.2-1.9,0c-0.3-0.1-0.5-0.3-0.7-0.5c-0.2-0.2-0.3-0.5-0.3-0.8 c-0.1-0.4-0.2-0.7-0.2-1.1C22,5.1,22.1,4.8,22.3,4.4L22.3,4.4z"></path></svg><div class="bt-call-center-widget-status-item-content"><span data-queued-calls="" data-value="--"></span><span data-label="Clienți în așteptare"></span></div></li></ul></section><section class="bt-call-center-widget-section" data-item="Telefoane"><menu class="bt-call-center-widget-phone-numbers"><li><label class="bt-call-center-widget-phone-numbers-item"><input type="radio" name="bt-call-center-widget-phone-numbers-item" value="Apeluri din România" checked="">
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class="bt-visa-business-compare-images-slider"><div class="bt-visa-business-compare-images-slider-hit"></div><figure class="bt-visa-business-compare-images-figure " data-card="silver"><img src="/assets/themes/bancatransilvania/partials/vendor/images/cards/visa-business-credit-silver-portrait.mix.fe5f1ba413252ca241b34db7f7c413f3.webp" loading="eager" width="178" height="270" alt="Argento Bt Visa Business"></figure><figure class="bt-visa-business-compare-images-figure " data-card="gold"><img src="/assets/themes/bancatransilvania/partials/vendor/images/cards/visa-business-credit-gold-portrait.mix.0d2f3f0c334f7ddcf3f32a051fbc3a37.webp" loading="eager" width="178" height="270" alt="Bt Visa Business oro"></figure><figure class="bt-visa-business-compare-images-figure bt-visa-business-compare-images-figure-selected" data-card="silver"><img src="/assets/themes/bancatransilvania/partials/vendor/images/cards/visa-business-credit-silver-portrait.mix.fe5f1ba413252ca241b34db7f7c413f3.webp" 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oro"></figure></div></div></div><div class="bt-visa-business-compare-table"><div class="bt-visa-business-compare-table-section bt-visa-business-compare-table-section-sticky"><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-header"><div class="bt-visa-business-compare-table-cell"></div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><figure class="bt-visa-business-compare-table-cell-figure"><img src="/assets/themes/bancatransilvania/partials/vendor/images/cards/visa-business-credit-silver-portrait.mix.fe5f1ba413252ca241b34db7f7c413f3.webp" class="bt-visa-business-compare-table-cell-figure-img" loading="eager" width="145" height="230" alt="Carta BT visa business silver"><figcaption class="bt-visa-business-compare-table-cell-figure-figcaption bt-hidden:mobile">Visa Business Credit Silver</figcaption><figcaption class="bt-visa-business-compare-table-cell-figure-figcaption bt-hidden:desktop">Argento</figcaption></figure><div class="bt-visa-business-compare-table-cell-actions"><a href="https://it.bancatransilvania.ro/companii/conturi-carduri/carduri-business/card-de-credit-visa-business/aplica-pentru-cardul-business" class="bt-visa-business-compare-table-cell-action">Voglio la carta</a></div></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><figure class="bt-visa-business-compare-table-cell-figure"><img src="/assets/themes/bancatransilvania/partials/vendor/images/cards/visa-business-credit-gold-portrait.mix.0d2f3f0c334f7ddcf3f32a051fbc3a37.webp" class="bt-visa-business-compare-table-cell-figure-img" loading="eager" width="145" height="230" alt="Carta BT visa business gold"><figcaption class="bt-visa-business-compare-table-cell-figure-figcaption  bt-hidden:mobile">Credito Visa Business Oro </figcaption><figcaption class="bt-visa-business-compare-table-cell-figure-figcaption  bt-hidden:desktop">Oro</figcaption></figure><div class="bt-visa-business-compare-table-cell-actions"><a href="https://it.bancatransilvania.ro/companii/conturi-carduri/carduri-business/card-de-credit-visa-business/aplica-pentru-cardul-business?card=card_credit_vbg" class="bt-visa-business-compare-table-cell-action">Voglio la carta</a></div></div></div></div><div class="bt-visa-business-compare-table-section"><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Valuta</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">Lei ·</div><div class="bt-visa-business-compare-table-cell" data-card="gold">Lei ·</div></div></div><div class="bt-visa-business-compare-table-section"><div class="bt-visa-business-compare-table-section-title"><h2>COMMISSIONI E SPESE</h2></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissione di emissione</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    0 lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    50 lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Spese amministrative</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    50 lei/anno
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    100 lei/anno
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Estratto conto bancario online</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    Gratuito
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    Gratuito
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Se si rimborsa l'importo dovuto entro il 25 del mese successivo</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    0 lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    0 lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Canone BT Go o di altre banche BT Go o di altre banche</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    0 lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    0 lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissione per gli acquisti presso i rivenditori in patria e all'estero</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    0 lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    0 lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissione per gli acquisti presso i rivenditori nazionali ed esteri che operano nel settore del gioco d'azzardo</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    1.50%
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    1.50%
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissione per i prelievi di contante da bancomat e POS BT</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    2,5%, min. 2,5 Lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    2,5%, min. 2,5 Lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissione per l'utilizzo di POS o ATM di altre banche del paese</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    2,5% + 2,5 Lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    2,5% + 2,5 Lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissione per la richiesta del saldo presso POS o ATM di altre banche del paese</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    2 lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    2 lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissione di integrazione del saldo presso POS o ATM di altre banche del paese</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver">
                                                    4 lei
                                            </div><div class="bt-visa-business-compare-table-cell" data-card="gold">
                                                    4 lei
                                            </div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Commissioni e spese della carta</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><a href="https://www.bancatransilvania.ro/files/app/media/Taxe-si-comisioane/Card-credit-Visa-Business-Silver.pdf" target="_blank" class="bt-visa-business-compare-table-cell-action-outline">Commissioni</a></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><a href="https://www.bancatransilvania.ro/files/app/media/Taxe-si-comisioane/Card-credit-Visa-Business-Gold.pdf" target="_blank" class="bt-visa-business-compare-table-cell-action-outline">
                                Commissioni
                            </a></div></div></div><div class="bt-visa-business-compare-table-section"><div class="bt-visa-business-compare-table-section-title"><h2>Benefici</h2></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Ottenete punti Stella</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Fino a 18 rate senza interessi in 30.000 negozi convenzionati</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Assicurazione di viaggio all'estero</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Recupero IVA esterna</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Limite di credito sulla carta</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Accesso alle business lounge negli aeroporti di Bucarest e Cluj-Napoca</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star "><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Vantaggi e sconti speciali in patria e all'estero con Visa Premium</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star "><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><span class="bt-visa-business-compare-table-cell-star bt-visa-business-compare-table-cell-star-checked"><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Accesso alle business lounge degli aeroporti di Bucarest e Cluj-Napoca</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><span class="bt-visa-business-compare-table-cell-star "><bt-icon symbol="star-filled" data-wg-notranslate=""></bt-icon></span></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><a href="https://www.bancatransilvania.ro/conditii_acces_aeroport_site_VISA_BUSINESS_GOLD.pdf" target="_blank" class="bt-visa-business-compare-table-cell-action-outline">
                                Le condizioni
                            </a></div></div><div class="bt-visa-business-compare-table-row bt-visa-business-compare-table-row-body"><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing">Condizioni per l'assicurazione di viaggio</div><div class="bt-visa-business-compare-table-cell bt-visa-business-compare-table-cell-showing" data-card="silver"><a href="https://www.bancatransilvania.ro/files/visa-business-silver-visa-business-gold-debit/conditii_asigurare_calatorie_in_strainatate_carduri_business.pdf" target="_blank" class="bt-visa-business-compare-table-cell-action-outline">
                                Le condizioni
                            </a></div><div class="bt-visa-business-compare-table-cell" data-card="gold"><a href="https://www.bancatransilvania.ro/files/visa-business-silver-visa-business-gold-debit/conditii_asigurare_calatorie_in_strainatate_carduri_business.pdf" target="_blank" class="bt-visa-business-compare-table-cell-action-outline">
                                Le condizioni
                            </a></div></div></div></div></section></div></main></div></div></div><footer class="bt-footer" data-hide-ai-widget=""><div class="bt-footer-container"><div class="bt-footer-wrapper"><div class="bt-footer-content"><div class="bt-footer-heading"><div class="bt-footer-heading-content"><div class="bt-footer-heading-content-group"><a class="bt-footer-heading-content-bt-pay" href="https://it.bancatransilvania.ro/app" aria-label="BT Pay"><svg class="" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 37 42" enable-background="new 0 0 37 42" xml:space="preserve"><path fill-rule="evenodd" clip-rule="evenodd" d="M9.8,22.2h4.5c2.9,0,3.9-1.1,3.9-3c0-1.7-0.9-2.7-3-2.9v-0.1c1.5-0.2,2.6-0.9,2.6-2.6c0-2.2-1.7-3.2-3.9-3.2H8.1v1.2c0.8,0,1.1,0.2,1.1,1.2v8.6c0,0.1,0,0.2,0.1,0.3c0,0.1,0.1,0.2,0.1,0.2c0.1,0.1,0.1,0.1,0.2,0.1C9.6,22.1,9.7,22.2,9.8,22.2z 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Riprovare più tardi.</span></div></div></div><div class="bt-ai-chat-widget-window-conversation-wrapper"><div class="bt-ai-chat-alert" data-ai-chat-started-hidden="" data-ai-chat-maintainance-hidden=""><figure><img src="https://www.bancatransilvania.ro/assets/plugins/bsd/aichat/assets/images/intreb-logo.mix.b8e094a5e5c8cf8d2ff8cb0ec0952f56.webp" alt="Logo Intreb BT"></figure><div>Ask BT è il più grande programma di educazione finanziaria online di Banca Transilvania, con oltre 2.000 domande e risposte bancarie. </div></div><div class="bt-ai-chat-conversation" data-ai-chat-conversation=""></div><div class="bt-ai-chat-conversation-presets" data-ai-chat-presets="" data-ai-chat-started-hidden="" data-ai-chat-maintainance-hidden=""><div class="bt-ai-chat-conversation-presets-wrapper"><div class="bt-ai-chat-conversation-presets-title"><strong>Suggerimenti per la ricerca</strong></div><button type="button" class="bt-ai-chat-conversation-preset" data-ai-chat-preset=""><strong>Come faccio ad attivare il mio BT Go come utente BT24?</strong></button><button type="button" class="bt-ai-chat-conversation-preset" data-ai-chat-preset=""><strong>Come posso attivare il pacchetto illimitato?</strong></button><button type="button" class="bt-ai-chat-conversation-preset" data-ai-chat-preset=""><strong>Come si installa l'App BT POS?</strong></button></div></div></div></div><div class="bt-ai-chat-widget-window-form" data-ai-chat-form="" data-ai-chat-maintainance-hidden=""><input name="_token" type="hidden" value="Z7uVPMD87N8ljOhptRH7y0xCjR5lAjm62RTqaASe"><div class="bt-ai-chat-form-field-group"><div class="bt-ai-chat-form-field-gradient"><div class="bt-ai-chat-form-field"><textarea class="bt-ai-chat-form-field-input" data-ai-chat-loading-hidden="" data-ai-chat-input="" maxlength="300" tabindex="-1" inputmode="search" required="" aria-label="Scrie întrebarea ta"></textarea><span class="bt-ai-chat-form-field-placeholder" data-placeholder="Scrie întrebarea ta" data-started-placeholder="Întreabă în continuare" data-recording-placeholder="Te ascultăm" data-ai-chat-loading-hidden=""></span><div class="bt-ai-chat-form-field-actions"><button type="button" class="bt-ai-chat-form-field-action" data-record-audio="" data-ai-chat-loading-hidden=""><img src="https://www.bancatransilvania.ro/assets/plugins/bsd/aichat/assets/images/microphone.mix.06ee39077da374393a8d7e3aad0dde8e.webp" alt="microfono"></button><button type="button" class="bt-ai-chat-form-field-action" data-recording-audio="" data-ai-chat-loading-hidden=""><span class="bt-ai-chat-form-field-waves" data-recording-audio-waves=""></span><img src="https://www.bancatransilvania.ro/assets/plugins/bsd/aichat/assets/images/recording.mix.64ee361159f3f1183f083df72d6234ae.webp" alt="registrazione"></button></div></div></div><button type="button" class="bt-ai-chat-form-field-submit-btn" data-ai-chat-submit-btn=""><img src="https://www.bancatransilvania.ro/assets/plugins/bsd/aichat/assets/images/send.mix.c3a610bac1d0a37f68aead2c6288164c.webp" data-ai-chat-loading-hidden=""><span class="loading" data-ai-chat-not-loading-hidden=""><span></span><span></span><span></span></span></button></div><div class="bt-ai-chat-widget-window-form-text" data-ai-chat-started-hidden=""><span class="bt-ai-chat-widget-window-form-text-gradient">Powered by Azure OpenAI GPT-5</span><span class="bt-ai-chat-widget-window-form-text-separator"></span><button type="button" data-ai-chat-toggle-window-terms="">Termini e condizioni</button></div><div class="bt-ai-chat-widget-window-form-text" data-ai-chat-not-started-hidden=""><div>AI Search fornisce risposte generate automaticamente, utilizzando la tecnologia GPT-5 e un meccanismo avanzato di orchestrazione tramite agenti. Le risposte possono contenere contenuti inesatti o potenzialmente offensivi, che non rappresentano il punto di vista di Banca Transilvania. L'utente è l'unico responsabile dell'utilizzo dei contenuti generati da questo servizio. <button type="button" data-ai-chat-toggle-window-terms="">Leggete i termini e le condizioni</button>.</div></div></div><div class="bt-ai-chat-widget-window-terms"><div class="bt-ai-chat-widget-window-terms-heading"><strong>Termini e condizioni</strong><button type="button" class="bt-ai-chat-widget-window-terms-heading-close-button" data-ai-chat-toggle-window-terms=""><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 24 24"><path d="M13.6,12l8.9-8.9c0.4-0.4,0.4-1.1,0-1.6c-0.4-0.4-1.1-0.4-1.6,0L12,10.4L3.1,1.6C2.7,1.1,2,1.1,1.6,1.6s-0.4,1.1,0,1.6l8.9,8.9l-8.9,8.9c-0.4,0.4-0.4,1.1,0,1.6c0.2,0.2,0.5,0.3,0.8,0.3s0.6-0.1,0.8-0.3l8.9-8.9l8.9,8.9c0.2,0.2,0.5,0.3,0.8,0.3c0.3,0,0.6-0.1,0.8-0.3c0.4-0.4,0.4-1.1,0-1.6L13.6,12z"></path></svg></button></div><div class="bt-ai-chat-widget-window-terms-body"><p>Dichiarazione di non responsabilità</p><p>AI Search è un progetto pilota - in versione beta - che utilizza la tecnologia GPT-5 per semplificare il processo di ricerca e comprensione dei prodotti bancari.</p><p>AI Search è addestrato a rispondere a domande che riguardano esclusivamente i prodotti bancari offerti da BT, ma in determinate situazioni e a seconda delle domande poste, può anche rispondere a domande di carattere generale. Le risposte fornite sono generate automaticamente e devono essere utilizzate solo a scopo informativo. Il servizio può talvolta fornire contenuti imprecisi o potenzialmente offensivi, che non rappresentano il punto di vista di Banca Transilvania. L'utente è l'unico responsabile dell'uso che fa del contenuto generato da questo servizio. Non affidatevi a questo servizio per una consulenza finanziaria, legale o professionale di altro tipo e non inserite dati personali o altre informazioni riservate in questo servizio.</p><p>L'utilizzo di AI Search implica l'accettazione dei Termini e delle Condizioni.</p><p>L'accesso e l'utilizzo del servizio implicano l'accettazione senza riserve dei presenti termini e condizioni. Se non li accettate, siete pregati di non utilizzare questo servizio. Accettando i termini e le condizioni di utilizzo di questo servizio fornito in modo algoritmico da un modello di intelligenza artificiale, l'utente si assume l'intero rischio della qualità, della sicurezza e delle prestazioni di questo servizio.</p><p>Banca Transilvania non fornisce alcuna garanzia in relazione alle risposte fornite da questo servizio.</p><p>AI Search fornisce risposte in modo algoritmico e queste possono talvolta contenere informazioni imprecise o un linguaggio potenzialmente offensivo. Queste informazioni non esprimono la posizione di Banca Transilvania e non possono impegnare la responsabilità della Banca per i contenuti forniti.</p><p>AI Search non fornisce risposte a domande personalizzate, pertanto, utilizzandolo, l'utente è tenuto a non fornire o inserire dati personali o altre informazioni riservate nei propri messaggi/domande. In caso di mancato rispetto di tale obbligo, inserendo dati personali/informazioni riservate in AI Search, l'utente acconsente al loro trattamento ai fini della fornitura del servizio (risposte alle domande poste dall'utente), nonché per il miglioramento del modello algoritmico del robot da parte del suo sviluppatore.</p><p>Tutte le informazioni fornite dagli utenti durante la loro interazione con AI Search saranno trattate con riservatezza e saranno divulgate solo ai destinatari che hanno il diritto e la necessità di conoscerle.</p><p>Il contenuto fornito da AI Search è solo a scopo informativo.</p><p>Gli utenti sono responsabili delle domande e dei messaggi posti quando utilizzano AI Search. Qualsiasi abuso o linguaggio inappropriato può comportare l'interruzione dell'interazione.</p><p>AI Search non fornisce consulenza finanziaria, legale o professionale e non sostituisce la consultazione di esperti umani o di professionisti specializzati nel settore. Gli utenti non devono fare affidamento sulle informazioni fornite da AI Search per prendere decisioni.</p><p>La Banca si riserva il diritto di interrompere il servizio AI Search in qualsiasi momento e senza preavviso.</p><p>I termini e le condizioni possono essere rivisti/aggiornati in qualsiasi momento.</p></div></div></div></dialog><dialog class="bt-ai-chat-widget-toggle" popover="manual" tabindex="-1"><button type="button" class="bt-ai-chat-widget-toggle-action" tabindex="-1"><img src="https://www.bancatransilvania.ro/assets/plugins/bsd/aichat/assets/images/widget-toggle.mix.15e440d4360403abbcb24e4e6179b9c9.webp" class="bt-ai-chat-widget-toggle-action-img" width="130" height="20" alt="BT AI Chat"></button></dialog><script src="https://www.bancatransilvania.ro/assets/plugins/bsd/utile/assets/js/notificari.mix.29449fb6df471055317763fe962357cb.js" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://it.bancatransilvania.ro/combine/3ea5e3f6b749ba19a03f1607b49d7b4f-1764924123" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://it.bancatransilvania.ro/combine/0077b1e833c90c0c7dab5bc67c9cace6-1757501358" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://www.bancatransilvania.ro/assets/plugins/bsd/aichat/assets/v3/script/_.mix.bd2bf2c7d448b45a254afac8e485282b.js" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://www.bancatransilvania.ro/assets/plugins/bsd/sitesearch/assets/scripts/_.mix.98202aa5b13cd8d26f98cc2aa1e8ead8.js" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://www.bancatransilvania.ro/assets/themes/bancatransilvania/assets/script/_.mix.0a73f2472f079c61c50f1fbac0302214.js" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://it.bancatransilvania.ro/combine/cd5befe17fa8757466213933667aa4e7-1761043001" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://www.bancatransilvania.ro/assets/themes/bancatransilvania/partials/elements/valentines-day-dragobete-animation/default.mix.c0c4a66f0ab9db4b362a21bedfe6afcd.js" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://www.bancatransilvania.ro/assets/themes/bancatransilvania/partials/sections/navigation/assets/script/_.mix.77ca2032ff4505c366b846ec90a2b261.js" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script src="https://www.bancatransilvania.ro/assets/themes/bancatransilvania/partials/pages/card-business/visa-business/script/_.mix.1344f4395ce28cfd980343bba3a8511c.js" nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW"></script><script nonce="7HWiEtVKJgMP0O7ilGhpRQLurdw0uJiW">
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