Individuals
- Cards and accounts
  - Înapoi
  - Daily banking
  - Cards
  - Transfers
  - Other services
- Loans
  - Înapoi
  - Personal loans
  - Housing loans
  - Youth loans
    - Loan for studies
    - Credit 10
  - Other loans and services
- Savings and investments
  - Înapoi
  - Savings accounts
  - Deposits
    - Progresso deposit
    - Term deposit
  - Investments
  - Insurances and savings
    - Spend & Save
    - Retirement plans
- Online banking
  - Înapoi
  - YOU
    - YOU
    - Guides YOU
  - SMS banking
    - The remote banking service provides you with information on your bank accounts directly from your mobile phone.
      Find out more »
Companies
- Small entrepreneur
  - Înapoi
  - Daily banking
  - Financing
  - Saving and investments
  - Other services
    - Insurances
    - Electronic signature
- SME^{< 1M Euro}
  - Înapoi
  - Current activity
  - Financing
  - Saving and investments
  - Other services
- SME^{1-50M Euro}
  - Înapoi
  - Cash management
  - Financing
  - Saving and investments
  - International
  - Offers
    - Non-banking benefits^NEW
- Agriculture
  - Înapoi
  - PFA
  - SME^{< 1M Euro}
  - SME^{1-50M Euro}
- Corporate
Financial markets
- Currency and monetary market
  - Înapoi
  - Saving and investments
  - Currency market
  - Online trading
    - Anyma Online Trading
  - Other services
    - Risk mangement solutions
  - Regulatory information
    - PRIIPs
    - EMIR
    - MiFID
- Capital markets
  - Înapoi
  - Brokerage
  - Our team
    - Presentation and contact
  - Regulatory information
  - Other information
    - Rates and fees
    - Useful links
- Research Reports
- Custody, storage, issuers
  - Înapoi
  - Depository services
    - Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
      Find out more »
  - Issuer services
    - Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
      Find out more »
  - Global and local custody services
    - Administration availability of customer accounts to their instructions - financial instruments operations or cash.
      Find out more »
  - Clearing services
    - Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
      Find out more »
  - Contact
    - Contact details
About BRD
- Newsroom
  - Înapoi
  - News
    - News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
      Find out more »
  - Scene 9
    - is an online cultural publication that shapes the portrait of the new generation of creators
      Find out more »
  - Scoala 9
    - is an editorial project dedicated to the pre-university education created by DoR and BRD
      Find out more »
  - Contacts
    - Find here our mass media contacts
      Find out more »
- Subsidiaries and associated entities
  - Înapoi
  - About BRD
  - Subsidiaries and associated entities
  - Contact
  - Other info
    - SFDR
    - Sustainable sourcing charter
- CSR
  - Înapoi
  - Culture
    - We invest in culture because we need leaders and projects to remind us where we come from, who we are and where we are heading to.
      Find out more »
  - Education
    - We strongly believe that the main driver for a higher performance of the education system is the quality of teachers. That’s why our majors programs are focussing on developping teachers’ skills.
      Find out more »
  - Sports
    - We love sports because they provide us with an exciting journey with some beautiful moments, heroes who win, attract new fans or, on the contrary, struggle with difficult moments.
      Find out more »
  - Environment
    - Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
      Find out more »
  - The Civil Society
    - Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
      Find out more »
- Investors and shareholders
  - Înapoi
  - GSM BRD
  - Financial Information
  - Corporate Guvernance
  - BRD Shares
  - Contact
    - Investors and Shareholders contact
- Careers
  - Înapoi
  - Discover
    - Our Culture
  - Learn
    - Business Lines
  - Develop yourself
  - Apply
    - Opportunities
Online Banking
- YOU^NEW
- MyBRD Net

ROMÂNĂ / ENGLISH

Authorized overdraft

CARDS AND ACCOUNTS
Authorized overdraft

Take a cash reserve!

You always have money in your pocket!

Authorized overdraft brings you a wide range of banking and extra-banking products and services.

Cash reserve

to which you have access anytime through a card

Funding

without justification of the use of the funds

Daily

computed interest on the used loan only, while the loan is reduced with every deposit operation

What does the loan offer you?

Financing solutions through which you benefit from a cash reserve at any time. Thus, you can finance you current or unforeseen expenses.

Income

What type of income do you need in order to obtain the loan?

A wide range of income types are accepted: from salary income, pensions, dividends, copyright, rents, to income from freelance activities. You can obtain a higher amount if also bring in the income of maximum 3 co-borrowers.

Safety

How can you relax for the entire credit period?

Life insurance for the entire credit period offers you and your family protection in case of unforeseen events (death of any cause and total and permanent disability of any cause). The policy is concluded at the time of signature of the loan agreement, the insurance premiums are paid monthly, so the effort is minimal.

Fees and commissions

List of fees	download

Representative example valid on 01.10.2024, calculated on the basis of the standard costs charged by the bank: for an overdraft in the amount of 5,367 lei, granted for a period of 60 months, with variable interest 10.6% + IRCC*, commission of file analysis 20 lei and current account administration fee zero lei (cost valid for the period of ownership of a package of products and services). If the requested amount is used in full and for the entire duration of the credit agreement, the effective annual interest rate (APR) is 18.04%, and the total amount payable is 9,841.24 lei. The product is only available if you opt for income collection in the BRD current account. *IRCC valid for the period 01.10.2024 - 31.12.2024 is 5.99%.

Before making the decision to borrow, analyze the characteristics and implications of the loan. Make sure you understand the risks associated with credit agreements, mainly regarding the fluctuation of your income and the change in benchmarks, in the case of variable interest loans.

Advice and guides

Credit calculator

Agencies and ATMs

Commissions and tariffs