Libra Bank vs BT Go

The Libra App is one of the most awarded banking apps in Romania in recent years. Easy to use. For your personal or business account. You can manage your cards, savings, and investments in one place. You can also make the app your own: rename your accounts, reorder them, and set up quick actions for the things you use often. We keep improving the app frequently, so it becomes simpler and more useful for you. What you can do in the Libra App: • pay in RON or EUR • pay using a phone number • pay by QR code • manage recurring payments • view balances and transaction history • access your savings account • manage deposits • exchange currencies • order a debit card • order a credit card • access investments • download account statements • update your personal details If you are not a client yet, you can open an account online, directly in the app. Sign in simply and securely with PIN or biometrics.

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.