Bank products for individuals in Romania

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Maximum limit

250,000 RON

Term

≤ 60 months

Check the original loan date, extra borrowing, insurance and all switching costs.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Maximum limit

250,000 RON

Term

≤ 60 months

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Check the original loan date, extra borrowing, insurance and all switching costs.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Check the original loan date, extra borrowing, insurance and all switching costs.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Promotional conditions until 2026-11-15

Campaign until 15 November 2026: limit 250,000 lei without life insurance or 110,000 lei with it. The bank confirms pricing and profile conditions.

Limit without life insurance

250,000 RON

Limit with life insurance

110,000 RON

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Minimum amount

35,000 RON

Maximum limit

2,000,000 RON

Term

≤ 420 months

Minimum deposit

15%

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

At least 30% deposit; new electric, hybrid or petrol vehicles. Diesel is excluded. Maximum 500,000 lei and 60 months.

Maximum limit

500,000 RON

Term

≤ 60 months

Minimum deposit

30%

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Up to three net salaries, capped at 50,000 lei. Check variable interest and income-transfer requirements.

Maximum limit

50,000 RON

Up to three net incomes, capped at 75,000 lei. Up to 45 days’ grace on eligible transactions. Physical card: 35 lei annually from year two; virtual card: no annual administration fee. Partner instalments have separate conditions.

Minimum amount

1,000 RON

Maximum limit

75,000 RON

Physical card annual fee

35 RON

Virtual card annual fee

0 RON

Maximum grace

45 days

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

50,000 lei over 60 months, fixed interest 7.90%, with income transfer. Origination fee 200 lei; account cost depends on the package. The advertised minimum is not automatically this example’s rate.

Minimum amount

3,500 RON

Maximum limit

150,000 RON

Term

12 – 60 months

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.

Financing for eligible energy-efficiency or mobility expenses. The bank checks purpose and documentation.

Maximum limit

200,000 RON

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Maximum limit

150,000 RON

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Maximum limit

70,000 RON

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Standard term 12–60 months. The 120-month exception concerns certain loans issued before 8 July 2020; eligibility is separate. The 10.15% APR example includes insurance with a single premium of 3,376 lei, origination 250 lei and loan administration 35 lei monthly.

Minimum amount

3,000 RON

Maximum limit

250,000 RON

Term

12 – 60 months

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Grace applies to eligible transactions and timely repayment. Cash withdrawals and carried balances have separate costs. Card fees may depend on the package.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Check the original loan date, extra borrowing, insurance and all switching costs.

Check the original loan date, extra borrowing, insurance and all switching costs.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Check vehicle age, fuel, deposit, insurance and dealer arrangements.

Individual pricing and separate variants. Financed fees and insurance can increase debt; check the net cash received.

Minimum amount

25,000 RON

Maximum limit

150,000 RON

Term

12 – 60 months

Individual pricing and separate variants. Financed fees and insurance can increase debt; check the net cash received.

Maximum limit

150,000 RON

Term

12 – 60 months

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Request the deposit, fixed period, later interest formula, valuation and insurance costs. The example applies to its stated profile.

A reusable limit linked to income. A 12-month example is not a loan with 12 equal instalments.

Amount, income, employment and credit history affect the offer. Check insurance, origination and account charges.

Official sources contain inconsistent figures. The product remains in the directory while costs need clarification before an example can be published.