MAXICONT BCRMAXICONT BCR

Advantages

  • Maximum flexibility: when you save, you are rewarded with an advantageous interest and when you need the saved amounts, you pay no penalty
  • You get differentiated interest for the saved amounts, so the more you save, the higher interest you get
  • Access to account amounts is unlimited:
    • you can make account feeding or cash withdrawal from any bank unit
    • through Click or Alo 24 Banking BCR you can make banking operations or get customized information about your accounts at any time, you have comfort in making transfers to your personal accounts opened with BCR with no need to get at a bank unit within its working hours
    • you can feed your saving account through your debit cards in RON at any BCR ATM
    • to get this product you do  not have to pay any fees on buying it, so you can get a saving account any time
    • make best use of every penny! We can take care for you of amounts transfer to your saving account. You just tell us from what personal accounts you want to transfer the amounts exceeding an available ceiling and without any fee, we will make those transfers for you.
  • For instance: every month you get your salary/pension or you have other collections in your BCR persona account amounting to RON 1.500. You use a part of this money to cover personal needs, let’s say, RON 1.000, but the rest of RON 500 you do not need, you would rather save. In any day of the month, anytime your personal account balance exceeds RON 1.000, we transfer the surplus (RON 500 or any other amount in the account exceeding the RON 1.000 ceiling) to your saving account, with no fee, and you get a better interest than if you kept the amount in your personal account. No effort, no costs.
  • The amounts in the saving account are guaranteed by the Deposits Guarantee Fund, your savings being thus safe.
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Characteristics

  • Currency: RON, USD, EUR
  • Minimum sum/minimum balance:
    • RON: 500
    • USD: 250
    • EUR: 250
  • Deposits/feedings:
    • anytime, in minimum amounts of RON 50 or USD/EUR 50, by:
      • cash deposit at the premise of any BCR unit
      • Standing Order: regular transfers from your current account, with in fix amount, or by setting up a maximum ceiling for the current account balance – the amounts exceeding this ceiling are automatically transferred to the savings account
      • intra and inter banking transfer
      • external feeding
    • anytime, irrespective of the amount:
      • funds transfer from the current account attached to the debit card in RON (from BCR ATMs)
  • Withdrawal: at any time, any sum. Withdrawal by:
    • cash
    • transfer in the current account with or without a debit card attached and/or in the bearer’s credit card attached
    • creating term deposits

If the daily balance drops under the level of the minimum balance, it will be transferred in the current account and the savings account will be cleared 

  • It is necessary to hold a current account
  • Authorized persons: the account holder can appoint one or several authorized persons to perform operations in the account on the basis of the ID presented in original, within sum limit of the savings account
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Costs

  • Commission for opening the savings account: 0
  • Management fee of savings account *:
    • RON: 4 RON/month
    • EUR: 1 EUR/month
    • USD: 1 USD/month
  • Commission for withdrawing cash, at BCR office:
    • RON/ROL: 0,4%, minimum 6 lei
    • USD/EUR:
      • 0,5%, min. 3 EUR applicable to sums under 100.000 EUR 
      • 2,5% for sums exceeding 100.000 EUR

* it is applied only for new savings accounts open starting with 05.01.2011

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Interests

  • The interest is variable and differentiated on levels of value.
  • These interest levels will be paid with maintaining a minimum obligatory balance at least a month from the date of opening the savings account in lei, respectively 3 months for the savings accounts in foreign currency .
  • If the savings account balance drops under the level established during the first calendar month, for the accounts in lei, respectively 3 months for the accounts in foreign currency, the level of the interest practiced will be the one at sight, for the period elapsed from the date of opening and until the date of reduction of the balance.
  • The interest at the savings account is paid monthly, in the savings account in lei, respectively, quarterly, in the savings account in foreign currency.
  • Interests calculated since the 01st of July 2010 are taxed with 16%.
Interests [pdf; 24.9 KB]
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Documents

  • ID
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