BCR – consumer refunding loans, at a fixed interest rate of 9%/year, commission-free and at an APR of 9.38%/year

“DIVERS BCR” meant to refund loans with other banks:

  • 9% fixed interest rate applicable to all clients
  • ZERO application processing fee
  • ZERO monthly management fee
  • ZERO life insurance costs
  • The possibility to obtain an additional amount at the same price.

Unemployment and disability insurance:

  • 20% OFF for the first unemployment and disability insurance

Banca Comercială Română (BCR) is launching a refunding loan offer intended for the clients who wish to refund or consolidate the loans contracted with other banks, at a fixed interest rate starting from 9%/year (APR - 9.38%), with NO application processing and management fees and with a free life insurance.

The refunding offer is convenient in terms of costs  - the fixed promotional interest rate is not conditional on any parameters (loan amount, transfer of salary, provision of a minimal amount, etc.), applying to all clients who have ongoing loans with other banks. Any loans from other banks (including credit cards and overdraft facilities) may be refunded via a “Divers BCR” loan in lei, regardless of the currency in which such loans were initially granted.

As regards the offer for new consumer loans, the bank extended the offer launched at the beginning of March until 30 June 2015, the interest rate level starting from 8.5% for the loans granted for a maximum period of 3 years and from 9% for the loans granted for 5 years. No application processing and management fees are charged for these loans. BCR also offers life insurance, free of charge.

All persons receiving their salary or pension into a BCR account will have their loan application promptly approved, i.e. within no more than 3 hours.

The Bank offers a free life insurance and a 20% discount on the unemployment and disability insurance policies.

The offer is valid from 4 May until 30 June 2015.

More information is available on the bank’s website– www.bcr.ro and onwww.ratereduse.ro web page, where anyone who wishes to see how much he/she can reduce the instalments of his/her ongoing loans can perform a loan simulation and access all the details of this offer.

Calculation examples:

APR = 9.38% for a “DIVERS BCR” loan of a total amount of RON 18,000, granted for 5 years; fixed interest rate: 9%/year; monthly instalment: 374 lei; total payable amount: 22,419 lei. The offer is valid from 4 May until 30 June 2015, available to all clients refunding their ongoing loans with other banks.

Banca Comerciala Romana (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 (over €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 dedicated to corporate clients, and 509 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 46,500 bank officers working in 2,800 branches in seven countries (Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia) assist 16.2 million customers. Erste Group reported a total asset pool worth €202.6 bn. and a 56.1% cost-to-income ratio at the end of Q1 2015. First-ranking common equity index (Basel 3 implemented partially) was maintained at 10.2%.

BCR – External Communication 

Cezar Marin, e-mail: cezar.marin@bcr.ro

For more details about the products and services provided by BCR, please use one of the coordinates below to contact us:


Email: contact.center@bcr.ro

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

Twitter: @infoBCR