Banca Românească - Servicii Financiare Complete

Banca Românească is a bank that offers a wide range of financial services. It was founded in 1990 and is headquartered in Bucharest, Romania.

The bank provides a variety of services, including account management, loans, and credit cards. Its mission is to provide customers with innovative financial solutions.

Banca Românească has a strong presence in the Romanian market, with a network of branches and ATMs across the country. It is a reliable partner for individuals and businesses looking for financial services.

The bank's services are designed to meet the needs of its customers, from everyday transactions to long-term financial planning.

For more insights, see: Banca Nationala a Romaniei

At Banca Românească, you can enjoy the convenience of a credit card for your shopping needs. You can pay for your purchases in up to 12 fixed installments, as long as your minimum purchase is 600 lei.

One of the benefits of having a credit card with Banca Românească is the ability to access customer support 24/7, whether you're using your card or accessing the internet banking service.

If you need to contact Banca Românească for information about your credit card or other products, you can reach out to them between Monday and Sunday, from 8am to 10pm.

You can earn points and climb levels in the Programul de beneficii, which unlocks new benefits, discounts, and bonuses to help you reach your financial goals.

You can redeem these benefits at any time, as they have no expiration date.

By joining the Programul de beneficii, you can enjoy a Credit de nevoi personale for a new or refinanced credit BCR, with a 5-year term.

Banca Românească has a wide network of units and ATM machines.

You can find ATM machines at various locations across the country.

Their network includes numerous units, making it convenient for clients to access their services.

One example of their services is the Credit de nevoi personale, which is a type of personal loan.

This credit is available for a period of 5 years, either as a new credit or for refinancing a BCR credit.

The credit is not part of the Programul de Beneficii, which is a benefits program for certain clients.

You can visit Banca Românească in person by scheduling an appointment online or over the phone at the nearest branch.

Their standard interest rate is fixed, ranging from 7.99% to 19.99%/an, and is determined by various factors including your credit history, income, employment history, and payment behavior.

To get a better interest rate, you can opt for a Programul de Beneficii, which offers a 1.2 pp reduction, and choose an insurance option that provides extended protection for unforeseen situations.

For example, if you take out a 5-year credit of 30,000 lei with zero administration fees, you can expect to pay a minimum interest rate of 6.29% per annum, resulting in a monthly payment of 626 lei, including a 42 lei insurance cost.

The total amount payable would be 37,762 lei, with a DAE of 9.94%.

Alternatively, if you choose to have your salary or pension deposited directly into your Banca Românească account, you can get a 1 pp reduction on the interest rate, in addition to the 0.5 pp reduction for choosing an insurance option.

This could bring the interest rate down to 6.49% per annum, resulting in a monthly payment of 629 lei, including a 42 lei insurance cost.

BCR rămâne deschisă non-stop prin George, Contact Center și automate bancare.

Banca Comercială Română este disponibilă permanent online, telefonic și prin echipamentele multifuncționale instalate în rețeaua sa extinsă teritorială.

Unitățile BCR și centrele de afaceri corporate nu vor fi deschise în zilele de 1-2 ianuarie și 6-7 ianuarie 2025.

De asemenea, programul de lucru cu publicul este mai scurt în 31 decembrie – până la orele 14:00.

Excepție fac unitățile din centrele comerciale Polus Cluj, IKEA Timişoara, Timişoara Shopping City, Park Lake București, IKEA Pallady București, Iris Titan București, Mall Plaza București, Mall Băneasa și IKEA Băneasa București, care vor funcționa după programul acestora, în general între 10:00 și 20:00.

BCR este disponibilă non-stop și prin telefon, la *2227, număr cu tarif normal apelabil din rețelele naționale fixe/mobile Telekom, Orange, Vodafone, RDS-RCS sau +4.021.407.42.00 pentru apeluri internaționale.

Banca Românească offers a range of programs designed to support its customers' financial goals.

Their credit card program provides rewards and benefits, with some cards offering up to 5% cashback on certain purchases.

The bank's loan program offers competitive interest rates and flexible repayment terms.

Banca Românească's savings program includes high-yield accounts with interest rates up to 3.5% APY.

Their investment program provides access to a range of financial instruments, including stocks, bonds, and mutual funds.

The bank's mobile banking app allows customers to manage their accounts and make transactions on the go.

Banca Românească's customer service team is available 24/7 to assist with any questions or concerns.