Is BCR safe for deposits in 2026?

The standard FGDB limit for eligible deposits is the lei equivalent of EUR 100,000 per depositor, per bank. Eligible accounts at the same bank are combined. Exclusions and temporary additional protection apply in certain statutory circumstances. Source: https://fgdb.ro/intrebari-frecvente/

How long does BCR personal loan approval take?

For payroll clients, preliminary approval usually comes within the same session in the George app. Actual disbursement after contract signing takes 36 to 48 working hours.

What documents does BCR require for a mortgage?

Income certificate for last 3 months, salary bank statement, ANEVAR property appraisal and insurance policy. PFA workers add 2 years of tax returns.

Can I close a BCR account online?

Current accounts can be closed via George if balance is zero and no cards or loans are attached. Otherwise branch visit is required.

BCR review 2026: costs, George, loans and reported issues

Quick answer

• BCR is listed in the Trade Register under number J40/90/1991, an Erste Group subsidiary since 2006.
Typical APR on personal loans: between 9,49% and 14,87% in the second quarter of 2026.

History and legal status

Banca Comerciala Romana split from the National Bank in 1990, becoming the second credit institution registered after 1989.

Privatisation to Erste Bank der Oesterreichischen Sparkassen closed in October 2006 for a total price of 3,75 billion euro, one of the largest banking deals in the region at that time.

The current Trade Register record shows number J40/90/1991, while the paid-in share capital exceeds 1,627 billion lei according to the latest filing sent to the Vienna Stock Exchange, where Erste shares trade.

Main products right now

The retail offer includes unsecured personal loans up to 142.000 lei, the Casa Mea mortgage with a 7-year fixed rate option, refinancing of other loans, the shopping card with interest-free instalments at 4.300 partner merchants and the Activ Plus current account package for salaried clients.

On the corporate segment, BCR runs domestic and international factoring, project finance and treasury instruments. On the SME segment, the most active product is the Start-up Nation loan with FNGCIMM guarantee, where BCR ranks in the top three lenders by volume.

Interest rates and APR in 2026

For a standard personal loan of 47.500 lei over 5 years, the the public simulator in May 2026 returned an annual nominal rate of 8,73% and an effective APR of 9,49%. Monthly instalment: 994 lei. Total cost of credit above the borrowed amount: 12.140 lei.

On the Casa Mea mortgage, the variable rate starts at IRCC plus 2,18 percentage points, while the 7-year fixed version sits at 6,84% in June 2026. The file analysis fee was removed in May 2025 for loans above 250.000 lei.

Alternatives to BCR for 2026

If the priority is the lowest APR on personal loans, ING Bank Romania offers in June 2026 one percentage point below for clients with net income above 7.300 lei. If you want branches in small cities, BRD Societe Generale has 617 units, with slightly better coverage in Oltenia. For mortgage, Banca Transilvania grants mortgage loans in lei and in euro, for purchase, construction or refinancing.

Cetelem stays a fallback for those who fail BCR scoring, although the total cost of credit there can be 2.300 lei higher on a comparable amount.

Understanding APR
When refinancing makes sense
Compare personal loans
Compare mortgages
Family Start programme guide

For the 2026 check, I placed BCR's example beside the costs in its official document. The useful difference appears in the total repaid, not in the marketing line.
Roman Dumitrescu, Head of Editorial

Verified data for this institution

Checked: 2026-09-01 · BCR

Registered entity: Banca Comercială Română S.A. · Registrul Instituțiilor de Credit · RB-PJR-40-008

Published APR: 13.9%

Published example for the checked product (RO): 30.000 lei · 60 luni · rată lunară 679 lei · total de plată 40.695 lei

The example belongs to the cited product and assumptions. It does not describe every product from the institution.

Official document