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- Creating and canceling deposits;
- Customized daily or transactional limits can be set. If there are not set, a default daily limit of 200.000 RON / user will be applied;
- To increase the productivity, templates can be defined for the recurrent payments;
- You can define and sign in advance standing orders with a fixed amount and frequency of execution (like weekly, monthly and so on);
- If you want to group the payments into categories or to collectively sign a big number of payments, it is possible and even recommended to use batches;
- E-confirmation of the payments made at customs is available to get the release of the goods;
- Payment of the debts to the state budget are available;
- You can create negotiated deposits in different currencies RON, EUR and USD;
- Import/Upload of different types of payment files from your ERP apps is possible, according with the specifications from inside the manuals*;
- Payment orders initiated via MultiX**, can be signed from the website or from the mobile app;
- Payments form your company account opened at the State treasury can be issued directly from BRD@ffice to pay the fiscal duties or to transfer the balances at BRD, by subscribing to the e-Trezor service;
- Issue the intra/interbanking transactions in RON and into the main currencies;
- Performing foreign exchanges: buy, sell and cross, between different currencies (like: RON, EUR, USD, GBP, CZK, SEK, and so on), at standard and negotiated rate;
- Sending debit direct instructions in txt format;
- Paying invoices towards the utility suppliers by using specific templates, but also by using payment file.
- Instant payments in LEI will be initiated towards accounts opened at other financial institutions in Romania that are participating in the instant payment system*:
- the money is sent within seconds, anytime, 24 hours a day, 7 days a week, 365 days a year, in a fully secured environment
- the maximum amount that can be transferred is of 49.999,99 LEI / transaction
- the beneficiary has immediate access to the received funds
- only simple payment orders are eligible for instant processing
- instant payments by default: if the above-mentioned eligibility criteria are met, the payments will be by default instantly processed by BRD.
*Financial institutions in Romania participating in the instant payment system are available HERE.
* - .csv files can be imported or payment files in XML format (ISO20022) can be imported/uploaded.
** - For the MultiX 4.0 or for the ROI-INT modules of the MultiX 3.23 version
Data visualization features:
- Unloading of the end-of-day statements in XML (CAMT.053) / MT940 / .csv formats or of the intraday statements in the MT942 / XML (CAMT.052) formats, in order to support the import in your ERP app;
- Intraday – viewing the intraday transactions in real-time. Viewing the real-time available balance is also possible, updates being made faster than every 5 minutes from the last request;
- Sending alerts in the email and in the app;
- Viewing the available balances, in real-time, for each account opened at BRD, into a single webpage/screen of the app;
- Printing the daily statements or the statements for an interval in .pdf format or to the printer;
- Viewing the account data of the accounts opened at the State Treasury by subscribing to e-Trezor.
Administrative features:
- Messages – secure message between you and the bank;
- The customers into the BRD@ffice site can define beneficiaries during the filling of the payment order and/or through the specific public or private beneficiary’s lists;
- The possibility of importing the beneficiaries from your ERP apps or from MultiX, using the .csv format described into the files specification that are published on the website.
1. What is Phishing?
Phishing is a fraud attempt by which offenders request personal data and personal banking data (username, Token device / M-Token generated passwords) and beyond.
The most frequently used channel for a phishing attack is e-mail. The e-mail you receive usually urges you to "update" or "confirm" the data of your Internet banking account or card by accessing an email link. This link takes you to a site very similar to the one you expect (a clone site) through which data is collected. The attacker get’s in possession of your e-mail address through various channels, of which most commonly used are: viruses, buying e-mail databases from specialized firms, or even hacking the IT systems of vendors e-mail services.
We encourage you to remain vigilant and never disclose personal information and bank personal data, even if the request seems to come from a source of trust.
2. How do you check if the site that you are currently on is secure?
You can easily check if you are on a secure website: the letter "s" must always appear in the address bar of your browser after "http". Therefore, the website address where you have access to your accounts must start with: https://www.brdoffice.ro In addition, to check if the connection is secure, you must verify that the lock displayed in the address bar is closed. When you move from a secure page (https) to an insecure one (http), your browser will post a warning message. DO NOT introduce the user code (user name) and the Token/M-Token generated password after receiving such a message. Beyond this, we recommend you to check the security certificate of the site.
3. How can you navigate the web safely?
To browse through the Internet safely, and especially on the web sites involving financial transactions, you can resort to some means of protection:
- Avoid using a user with administrative privileges (like the Windows Administrator account);
- Ensure that your operating system, installed on the PC or Phone, is updated;
- Install the latest browser version;
- Verify the contact section of the website (address, phone number, e-mail);
- Check the link’s final destination by passing the mouse cursor over this and viewing the real address;
- Totally delete “spam” messages and avoid cascading or pyramidal emails;
- Avoid storing sensitive data (password, personal or banking data) in your personal email or in the social networks accounts;
- Do not open attachments from messages coming from unknown contacts or having a suspicious content;
- Don’t answer to requests for personal or confidential data (like passwords, PIN codes or card number);
- Install an Antivirus and Firewall solution and have them regularly updated;
- Every time you download an application, use secure sources to download it (manufacturer's page) and use applications from known vendors;
- Protect your data by using complex passwords (both on your phone and on your PC / Laptop / Apps). Also, do not use the same password for all apps or accounts on social networks. Do not forget to use the logoff button every time you leave online applications, especially banking applications;
- Try to avoid using public or "free" networks, especially when using banking / financial applications. Do not leave your laptop unattended, and if you ever find yourself in the situation where you have to leave your laptop unattended, make sure it is password protected.
