The MasterCard Gold debit card

Whether you want to make your daily shopping, go out with your friends or plan a trip abroad, MasterCard Gold provides you with everything you need, and a little more than that.

Free access to the

Business Lounge areas of Bucharest airport


insurance package for trips taken abroad


technology for fast payment


  • 24/7 access to the largest network of ATMs in the country and abroad, for cash withdrawals;
  • PlusinCont loyalty program –  BCR platform with personalised and simple cashback offers;
  • Exclusive offers from Mastercard;
  • Increased safety in transactions due to the integrated chip technology;
  • Make maximum security payments over the Internet by registering to 3D-Secure;
  • Change the PIN code directly at any BCR ATM, no charge;
  • Unlimited access to the associated current account, through Internet, Mobile and Phone Banking;
  • You can check the 10 previous transactions in your account with your card, by requesting a short account statement from any BCR ATM;
  • Pay your utility/service bills* (electricity, water, gas, sanitation, land line and mobile subscription, cable TV etc.) at the BCR ATMs and MFMs;
  • You can top up your Vodafone, Orange and Telekom pre-paid cards at BCR ATMs and MFMs.

Further advantages:

  • Free access to the Business Lounge areas of the Otopeni International Airport of Bucharest and the Cluj-Napoca International Airport for you and a guest;
  • Your free insurance package for trips taken abroad provides:
    • insurance of luggage in case of loss, theft or damaging and covers the expenses arising in the event of delayed luggage;
    • health care and covers emergency medical services;
    • compensation in case of delayed transportation;
    • civil liability insurance;
    • insurance of identity documents/passport, credit cards, travel tickets in the event of loss, theft, damage;
    • legal protection.


BCR MasterCard Gold is a debit card attached to your current account in lei, which you can use in Romania and abroad to perform payments (by POS and on the Internet) or cash withdrawals, wherever the MasterCard logo is displayed.

How to get it

  • In order to obtain a BCR Maestro or Visa Electron debit card, you must submit a valid ID in original;
  • Visit your BCR branch to conclude a Current account agreement (for natural persons) or an Addendum;
  • For Lost/Stolen card - immediately call 0800.801.227 (0800.801.BCR), for free, from any national network and +4021.311.10.01, from any national network and from abroad.

It takes only 4 working days to get your BCR Visa Electron debit card! Hurry up and ask for one right now!


  • For amounts withdrawn under your personal overdraft, you will pay: ROBOR 3M + a product margin of 10.99 percentage points;
  • The variable interest is set in relation to the ROBOR 3M quote for loans granted to natural persons via debit cards, which is reviewed by the bank on a quarterly basis, meaning on the last working day of January, April, July and October of each year, and shall be set depending on the ROBOR 3M value set on the last working day of December, March, June and September, rounded to two decimals + the product margin;
  • Check the applicable rates and fees below, in our Help Center section.

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