Overdraft

Just bring your salary to BCR, and we offer you a cash reserve that you can always rely on

  • Reuse the repaid amounts
  • Zero fees for analysis and monthly management
  • Easy to get and fast approval

Overdraft

Just bring your salary to BCR, and we offer you a cash reserve that you can always rely on

What do I get?

24/7 ACCESS
Via Internet and Mobile Banking

FAST APPROVAL  
Within 24h if you collect your salary or pension in a BCR account 

ZERO FEES 
For analysis and monthly management

I want to know more

Maybe you need some extra money, or you simply cannot always live within your means. The overdraft solves your pressing issues and gives you extra help!

You can get up to RON 40,000, without exceeding 4 salaries or 3 pensions. It is granted for 24 months, but it can be extended for longer periods.

Moreover, you may use the money as you wish, without giving any explanations!

How much do I pay?

ZERO fees for analysis and monthly management

How do I get it?

1

Come to any BCR branch with the documents required for the analysis, and we verify if you meet the conditions for the requested amount.

2

We provide you with the document "Standard European Consumer Credit Information", you sign the loan application, the loan agreement, and the insurance certificate.

3

We let you know if the loan has been approved or rejected.

4

If the loan has been approved, you get your money straight in your current account in which you receive your salary or pension.

Required documents

If your income is reported to ANAF:

  • No income-related documents (just a signed Inquiry Agreement for ANAF)

In case your income is generated from your pension you must produce the Certificate of permanent retirement.

If your income is not reported to ANAF (employees of MAI, MApN, SRI, SIE, SPP, Police, Gendarmerie, penitentiaries or other entities with special designation) you must produce:

If your pension income is not reported to ANAF:

  • Recent pension slips or a bank account statement
  • Certificate of permanent retirement
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