Basic payment services

You can access the current account with basic payment services, if you don’t currently own any bank account.

This account is available only in LEI and includes a set of free operations that help you use your financial resources more easily.

In addition, you can attach a debit card, YOU BRD online and mobile banking service, as well as Direct Debit service for recurrent payments.

Depending on your gross income, the basic service account offers you various benefits and can be obtained as follows:

- For gross income below 4,540 lei*, based on your request accompanied by an income certificate.

More details on access to the account with basic services can be found here.

- For gross incomes bigger or equal to 4,540 lei*, based on your request.

The complete list of free operations included for each level of income is available in the Fees and Commissions Guide.

_{*The gross income limit set for the current accounts with basic payment services is provided by the Law no. 258/2017 on the comparability of fees related to payment accounts, the change/ switch of payment accounts and access to basic payment accounts, projected in the latest macroeconomic forecast, i.e the autumn forecast, published by the National Prognosis Commission in 2023 for 2024.}