Avantaj vs BT Go

Welcome to Avantaj – the most exciting credit card app in Romania Turn your lifestyle into extraordinary rewards - Earn up to 3% cashback in Avantaj Coins with every purchase - the higher your status, the more you earn - Complete fun challenges to collect extra rewards - Reach higher status – from Starter to Ambassador - and unlock exciting benefits - Redeem exclusive rewards directly in the app - Earn unique achievements and level up! Manage your finances effortlessly - Manage all your cards and transactions in one place - Split transactions into installments – flexibility whenever you need it - Pay in up to 24 installments at 9 500+ partner stores - Generate a virtual card instantly – perfect for safe online shopping - Pay with your phone – add to Apple Wallet or Google Pay in seconds Security you can count on - Shop secure online thanks to 3D Secure (3DS) transaction approval feature - Stay safe with your credit cards separate from your main bank account - Enjoy peace of mind with advanced mobile app shielding, built to meet the highest industry security standards Thanks to Avantaj, managing your credit card is no longer just a task, it’s an experience. From rewards just for you and intuitive control to unbeatable security and exciting loyalty perks, everything you need is just a tap away. Download the Avantaj app today and start unlocking a smarter, more rewarding financial journey powered by you. Card Avantaj, the card that moves with you!

BT Go, your business banking experience! BT Go is Banca Transilvania's internet and mobile banking platform, designed to bring banking services and business solutions together in a simple and efficient digital experience. BT Go is dedicated exclusively to businesses (companies and sole traders). Banca Transilvania is the market leader in Romania's business banking segment, with more than 650,000 customers. BT Go covers both the financial and banking needs expected from an internet banking platform and the management needs of a business. Online onboarding – open your account or business relationship fully online • For LLCs, sole traders, and liberal professions; • Fast, secure, no branch visits; • Paperless, fully digital, with 24/7 access; • Simple and intuitive experience. Your company's accounts and transactions • View all your BT accounts and open or close accounts directly in the app; • Rename and reorder accounts and mark your favorite; • Search and track transactions and their status using filters; • View debit instruments (Cheques, Promissory Notes, and Bills of Exchange) and their status; • Download account statements for different time periods and account types (current, savings, or deposit accounts), individually or for all accounts at once; • Generate statements in multiple formats (PDF, MT940, CSV, XML) - for fast and easy integration with automated accounting systems; • Download monthly account statements from the last 10 years in a convenient ZIP file; • Export transaction lists in PDF or CSV format; • Manage your company cards, view card details, or issue new cards; • Open classic and negotiated deposits and savings accounts; • Access active loan details, make early repayments, and quickly download related documents; • View and trade fund units in your BT Asset Management investment portfolio; • Access detailed information and transaction reports for POS, ePOS, and eCommerce services; • Benefit from Open Banking services through the implementation of the Payment Services Directive II (PSD2). Simple and fast payments • Make payments between your own accounts or to business partners, in any currency, using single or multiple signatures; • Save payment templates and save time; • Create payment packages or upload payment files (including payroll files) for simultaneous signing; • Perform standard or negotiated foreign exchange operations and set exchange rate alerts; • Schedule future-dated payments or set up recurring payments; • Manage your saved beneficiaries. Your invoices in your banking app • Issue, cancel, reverse, and customize invoices through integration with the FGO invoicing platform; • e-Factura - connect your SPV account, send invoices automatically, track their processing status with ANAF. and view all invoices received through SPV; • Quickly pay received invoices, including multiple invoice payment (up to 5 invoices at once); • Invoices are automatically matched with incoming and outgoing payments; • Download invoices and send them to your customers. Intuitive and user-friendly dashboard • Virtual assistant for quick BT Go information; • Direct access to accounts and the FGO invoicing solution; • Fast transfers of any type; • View balances, transactions, and comparisons between payment and collections over the last 4 months; • Quick access to deposits, loans and cards; • Useful notifications in the Notification Center. • Easily manage all associated companies.