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Attention to the new typology of spoofing fraud, which involves the fraudulent use of phone numbers associated with BRD.
People who claim to be employees of the bank falsify, with the help of some software, the phone numbers associated with BRD (eg: TelVerde or card emergency numbers), during phone calls in which personal or confidential data is requested. It is important not to comply with requests to disclose confidential data, regardless of the pretext used by the caller.
Stay alert and report suspicious situations to us immediately by accessing the MyBRD Contact service.
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The remote banking service provides you with information on your bank accounts directly from your mobile phone.
Find out more »Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
Find out more »Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
Find out more »Administration availability of customer accounts to their instructions - financial instruments operations or cash.
Find out more »Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
Find out more »News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
Find out more »is an online cultural publication that shapes the portrait of the new generation of creators
Find out more »is an editorial project dedicated to the pre-university education created by DoR and BRD
Find out more »Find here our mass media contacts
Find out more »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 »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 »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 »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 »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 »→ 40 installments with 0% interest* during
08 - 10.11.2024
→ refinancing with up to 36 installments with 0% interest
→ online approval in 20 minutes
NOTICE: You need to have an ID issued in Romania to apply 100% ONLINE. Otherwise, fill in the contact form and we will contact you.
*For payments of at least 600 lei. See the campaign rules HERE
The small instalment will sink a great expense: you can opt for 6 installments with 0% interest, for purchases over 600 lei, regardless of the merchant and up to 36 installments with low interest, anywhere in the world.
Small and frequent instalments are the key to great progress: you can even out the payment in maximum 36 instalments (depending on the partner), which means RON 5 per month, approximately RON 1 per week.
You can easily and quickly establish the number of your instalments directly from YOU BRD or by SMS.
You can transfer the desired amount from the credit limit (minimum 600 lei) to your current account with a simple call to MyBrd Contact, thus you benefit from a reduced interest rate (compared to ATM withdrawals) at 16.9% and the possibility to repay the amount in up to 36 installments.
Your card can always be with you: you can pay easier by Apple Pay or Google Pay, contactless, only with your phone, so you can enjoy the privacy and discounts the credit card is offering you.
You did not spend RON 600 (in order to get zero interest), but you want to benefit from a smaller interest? You can group several expenses in a single instalment plan with a discounted interest from 26% to 16.9% per year.
We want you to instantly enjoy the products that you like, without thinking about paying on the spot. Therefore, you have up to 55 days to pay for your shopping, a period in which you are not going to be charged interest if you pay in full the amount due until the due date, according to the account statement.
- You are at least 18 years old (but less than 72) and you have an ID issued in Romania (ID).
- You are an employee or a retiree and your income is registered with NAFA.
- You have an uninterrupted seniority at your workplace of minimum 12 months.
- You do not have any current debts and you did not have, in the past, significant debts for other loans.
- You do not already have a request submitted to a BRD unit to obtain a credit card.
- You wish to have a credit card in your own name, without a second borrower.
- In order to obtain a Gold Credit Card you have to have a net monthly salary of minimum RON 4,000.
Without unnecessary bureaucracy: you make a selfie and send us a picture with your ID, so we can make sure it's really you.
Tell us the amount you want and choose the card that fits you – you can get a credit limit of up to 6 salaries.
Fill in the details for the analysis: yes, even the NAFA agreement will also be signed online.
Accept the offer and sign the contract: we send you all the documents by email and you'll sign them online, directly in the platform.
No need for you to come to the bank. Additionally, if you are already using the YOU app, you can enrol the card in Apple Pay or Google Pay in order to use it, even if it hasn't yet reached you in a physical form.
Give yourself a start
With the Standard or Gold Card
10 transactions per day of maximum RON 8,000 for the Standard Card, respectively RON 15,000 for the Gold Card. By using the YOU BRD app, you can manage these limits anytime.
Your loved ones can also enjoy the card's benefits. You can request up to 4 additional cards.
You can get maximum RON 30,000 on your Standard Card and RON 75,000 on your Gold Card.
You'll pay only 3.5% per month of the amount used, plus eventual fees and interests, a minimum of RON 20. If you want to avoid the interest, pay monthly the total amount from the account statement (without due instalments in the future).
Credit line of 6 times your net income
The minimum amount granted is RON 1,000, and the maximum limit is RON 30,000
The interest rate is 26%
Annual management fee: RON 50
10 transactions daily and a maximum total of RON 8,000, which can be increased from the YOU BRD app
10 withdrawals of maximum RON 4,000 per day, which can be increased from the YOU app
Credit line of 6 times your net income
The minimum amount granted is RON 5,000, and the maximum limit is RON 75,000
The interest rate is 26%
Annual management fee: RON 150
10 transactions daily and a maximum total of RON 15,000, which can be increased from the YOU BRD app
10 withdrawals of maximum RON 8,000 per day, which can be increased from the YOU BRD app
Free and unlimited access in the lounges of our partner airports (Bucharest, Cluj, Sibiu, Timișoara and Vienna)
Discounts with all the merchants included in the Mastercard Priceless
Free travel insurance for your entire family, with the possibility of reversal for external trips with Romania as point of departure
BRD Concierge
Dedicated services one phone call away.
You have up to 36 instalments with zero interest with our partners
Private Individuals Fees and Commissions Guide
Mechanism of operation of interest free instalment plans
Refinancing Campaign rules
- For the Standard Credit Card, the minimum amount granted is RON 1,000, and the maximum limit is RON 30,000.
- For the Gold Credit Card, the minimum amount granted is RON 5,000, and the maximum limit is RON 75,000.
For the Gold Credit Card, you can have 10 transactions and a maximum total of RON 15,000 and 10 withdrawals, maximum total of RON 8,000 per day.
*Clients aged over 70 years will directly contact Groupama Asigurări SA.
If you want to share the benefits of the card with your loved ones, you can request up to 4 additional cards, which will have access to the same limit.
3.5% x (main debtor balance + due interest free instalments) + 100% interest + 100% due instalments with interest (if applicable) + 100% penalties for delayed reimbursement (if applicable) + 100% the amount representing the exceeding of the credit line (if applicable) + 100% the minimum payment amount from the previous account statement (if it was not paid), min RON 20.
By MyBRD Contact you can request the transfer of an amount (minimum RON 600) from the credit line into a current account opened in your name with any bank in Romania, and to reimburse the amount thus transferred in 6, 12, 18, 24, 30 or 36 months, also benefitting from a discounted interest of 16.9% per year. You may opt for Money by Phone, if:
For the Standard Credit Card, the travel insurance is optional. The validity of the insurance is of 1 year, throughout which you can make multiple trips of maximum 30 days for tourist or business purposes. The credit cardholder is an insured, and the beneficiaries of this insurance are the cardholders, as well as the members of the cardholder's family (risk of death is excluded).
WHAT DOES THIS INSURANCE COVER AND WHERE?
For the Gold Credit Card, the travel insurance is included and free of charge. The insurance is activated when you make your first financial transaction with the card and it remains active if every 12 months you make at least one transaction. The insurance is valid for the entire globe, except for Romania, the nationality country and the residence country of the Insured. In addition, the members of the family also benefit from the same covered risks.
WHAT DOES THIS INSURANCE COVER?
Of course. You can request the delivery of your card by courier to an address chosen by you.
After receiving the card, please follow the steps described in the card cover letter in order to obtain the PIN by SMS. In order to be easier to remember it, you can also change it anytime at any BRD ATM. If you no longer have the letter, please call MyBRD Contact to obtain the details of requesting the PIN by SMS.
Your account statement is issued on a monthly basis and you can access it free of charge in the YOU app, at the BRD agencies or by using MyBRD Contact (first account statement for the current month is free). When you request the card, you can also choose to have the account statement sent by mail, against a fee. See here the list of fees and charges. You can choose one of the 4 dates available for the issuing of the account statement: 4th, 11th, 18th or 25th of the month.
You can view them anytime in the YOU BRD app or you can find out about them by calling MyBRD Contact.
Please let us know by calling MyBRD Contact as soon as you suspect the loss or theft of the card, so we can block it as soon as possible.
Each payment of minimum RON 600 with the BRD credit card (anywhere in the world, in any store or online) can be set with interest free instalments:
-Directly by POS or on the online payment page (if the option is available at the time of the payment).
-Directly from the YOU BRD app, "Instalments" menu.
-By SMS, following the steps received by SMS after the settlement of the transaction.
-By calling MyBRD Contact.
Please take into account the fact that the instalment establishment can be made only until the date of issuing the account statement.
The transactions with merchants made in Romania and the international ones can be transformed in equal zero interest instalments.
The standard offer is of 6 instalments with zero interest, for transactions of minimum RON 600. You benefit from an extended number of zero interest instalments with our partner merchants. See here the list of partners and available offers.
If you need more instalments for your shopping, you can call MyBRD Contact and request the breaking down of one or several transactions cumulated in one plan of up to 36 instalments with a discounted interest of 16.9%. Of course, the establishment of the instalment plan can be made only until the issuing of the account statement.
The grace period with zero interest is up to 55 days from the date of making the transaction, if the amount used on the due date is paid in full (without due instalments in the future).
If the grace period is exceeded, we calculate the annual interest of 26%.
The amounts included in the Equal Instalment Plan can be paid early by contacting MyBRD Contact in two ways:
For early reimbursement there is NO early reimbursement fee.
The total or partial early reimbursement can be done regardless of the amount to be paid.
If the amounts deposited exceed the value of the used credit line, you can use the amount for the reinstatement of the credit line to the extent of its use.
Regulations of the Campaign "Refinancing with up to 36 installments with 0% interest"
Private Individuals Fees and Commissions Guide
Mechanism of operation of interest free instalment plans
* Interest-free installments for payments with the BRD Credit Card of at least 200 lei.
** For refinancing, the standard offer is 36 installments with a fixed interest rate of 16.9% per year.
Standard offer 6 installments without interest for payments of at least 200 lei at merchants or online (both in Romania and international).
For refinancing the standard offer is 36 installments with an interest rate of 16.9% p.a.
Representative example for a credit line attached to the Standard Credit Card, amounting to RON 5,000, for 4 years: fixed interest rate 26%, EIR: 30.82% card administration fee: RON 50/year, total payable amount: RON 10,403.56, the monthly minimum amount payable is 3.5% of the used balance, minimum RON 20.
Representative example for a credit line attached to the Gold Credit Card, amounting to RON 20,000, for 4 years: fixed interest rate 26%, EIR: 30.43% card administration fee: RON 150/year, total payable amount: RON 41,414.17, the monthly minimum amount payable is 3.5% of the used balance, minimum RON 20.
The list of partner merchants and discount values can be amended.
Scrie-ne și te vom contacta noi cu toate informațiile pentru a obține creditul!
Monday-Friday: 08-20
Weekends: 08-19
Closed during national holidays.
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We would like to remind you that BRD - Groupe Societe Generale has not requested and will never ask any of your authentication data (user code, password or password token) or confidential information related to your card (card number, expiration date, security code or PIN) by phone, nor e-mail or SMS.
These confidential data will be used only for the internet banking authentication or for online payments.
At the same time, if you notice a different appearance of the usual MyBRD Net application (ex. A notification message that the page is unavailable and you are invited to log in again, or to sync your token device), please stop the authentication process immediately and contact as soon as possible through MyBRD Contact tel: 021 302 6161.
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