Banca Comercială Română (BCR) is launching a promotional offer for new consumer credits, focusing on transparency, simplicity, rapidity and a competitive price – 8.5%/year fixed interest rate for credits covering maximum 3 years and 9%/year for credits covering 5 years, ZERO application processing and management fees, and free life insurance. Our offer is available to anyone requesting new credits or who chooses to refinance through BCR current credits/credit cards at other banks.

For the first time, clients can benefit of an interest rate reduction of 0.1 pp if they submit a request for DIVERS credit on every Friday between 10 March and 3 May 2015, between 1:30 PM and 3:30 PM, at any branches from Arad, Cluj Napoca, Timişoara, Craiova, Sibiu, Braşov, Piteşti, Ploieşti, Iaşi, Constanţa and Bucharest

The bank requires only three documents to grant the DIVERS BCR consumer credit with no guarantees: the salary report, tax statement/BCR form and one utility invoice, or pension slip, final retirement papers and one utility invoice, in the case of incomes from pensions. With these 3 documents, clients can also get a “BUN DE PLATĂ” credit card.

All clients who collect their salaries or pensions in a BCR account can benefit from a quick approval of credit requests: maximum three hours.

The bank offers free life insurance and 20% off the bonus regarding unemployment and invalidity insurance policies.

Regarding “BUN DE PLATĂ” credit cards, clients can benefit, during the first year, from  ZERO issuing and management fees if they buy a credit card together with another BCR credit product. Also, clients receive up to 5% from shopping costs back to their account, every month, when using the credit card for payments done at particular traders (more details on For instance, during March, clients receive 5% back in their accounts for payments regarding tax and duties, done with the credit card.

The offer is available during 10 March - 3 May 2015.

Calculation examples

DAE = 9.38% for a DIVERS BCR credit totalling RON 18,000, covering 5 years; fixed interest rate: 9%/year; monthly interest rate: RON 374; total payable value: RON 22.419. The interest rate is set according to the credit history, payment behaviour, seniority and continuity at the job, and it can even reach 14%/year.

DAE = 31.89% for a “BUN DE PLATĂ” credit card line of RON 5,367, withdrawn immediately and fully, calculated over 12 months; fixed interest rate: 28%/year; fees: 0 for issuing, RON 45/year for management, beginning with the 2nd year.

Banca Comercială Română (BCR), a member of Erste Group, is the most important financial group in Romania, providing universal banking operations (retail, corporate & investment banking, treasury and capital markets), and covering specialty companies working on the leasing market, private pensions and housing banks. BCR is Romania’s No. 1 bank in terms of asset value (14,4 €bn.), in terms of client base and in terms of savings and crediting. BCR is also Romania’s most important financial brand, judging by the client trust rate and by the number of persons who consider that BCR is their main banking partner.

BCR uses a network of 22 corporate business centres and 23 mobile offices devoted to corporate clients, and 538 retails units located in most communities inhabited by at least 10,000 citizens to provide a full range of financial products and services. BCR is Romania’s No. 1 bank running on the banking transactions market, since BCR customers have the largest ATM network at their disposal – nearly 2,000 ATMs and 13,500 POS terminals enabling customers to use their cards for shopping purposes, as well as the complete Internet banking, mobile banking, phone-banking and e-commerce services.

Erste Group is one of the main suppliers of financial services in Eastern European Union. About 45,000 bank officers working in 2,800 branches in seven countries (Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia) assist 16.2 mn. customers. Erste Group reported a total asset pool worth €196,3 bn. and a 55.1% cost-to-income ratio at the end of 2014. The first-ranking common equity index (Basel 3 implemented partially) was 10.6%.

BCR – External Release 

Cezar Marin, e-mail:


For details concerning BCR product and services, please use the following contact details: 



Telverde: 0800.801.BCR (0800.801.227), toll-free from all national networks.

Twitter: @infoBCR