Overdraft

Unexpected expenses? The BCR Overdraft gives you permanent access to a cash reserve which you can use whenever you need. Turn your hectic life into a rich one!

No

protocol between employer and bank

Only pay

interest for used sums

You may

reuse reimbursed amounts

Advantages

  • Zero fees: for analysis and monthly management;
  • 24/7 access to your money, through a card or Internet & Mobile Banking;
  • Easy to obtain, no guarantees, based on your income documents;
  • Fast approval, in 24 hours, if you collect your salary or pension at our bank;
  • No explanations: use the money as you please.
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Features

  • Ceiling: up to 40,000 lei, without exceeding:
    • 4 salaries - if you are an employee;
    • 3 pensions - if you are retired;
  • Period of granting: 24 months, with optional automatic extension for subsequent 24-month periods.
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How to obtain an Overdraft?

It's quite simple:

1

Bring us the documents required
for analysis and

we will verify if you meet the conditions for the requested
amount

2

We will provide the "Standardized European information for consumer loans" document and 

you sign the loan application, the loan agreement and the insurance certificate

3

We will inform you if the loan was accepted or rejected

4

We provide your money in the current account in which you collect your salary/pension

Documents

Customers reporting their income to ANAF:

  • No income related documents (except the conclusion of an Inquiry agreement for ANAF);

In the event of income from salaries, the bank can additionally request a statement from the employer concerning the length of the individual labor agreement in the following cases:

  • persons employed for a determined period or;
  • customers working with their current employer for less than 12 months;

In the event of income from pensions, it is required to submit the Permanent retirement decision.

Customers for which the income is not reported to ANAF (employees of MAI, MApN, SRI, SIE, SPP, Police, Gendarmerie, employees of penitentiaries or other entities with special designation).

Customers for which the income from pensions is not reported to ANAF:

  • Recent pension slip or current account statement;
  • Permanent retirement decision;
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