BCR offers a broad range of products and services tailored for the customer segments: retail (standard, youth, private banking), free professions, micros. BCR strives to provide the products and services required to satisfy the basic financial needs of each segment by settling current payments, managing financial surplus and advancing loans for current expenses and investments.  

The Savings Instruments are offered in a variety of terms and purposes, such as: sight deposits, term deposits, special deposits (allowing money deposit anytime, under-aged children), call deposit – MAXICONT BCR, certificates of deposit denominated in RON, discounted certificates denominated in RON and foreign currency. Standard deposits are offered in a broad range of terms, from 1 month to 36 months and bear fixed or floating interest rates. Deposit interest rates are negotiable for larger amounts.  

The Bank grants a wide range of Loans for its retail customers, such as: 

Loans for individuals

Multiple destination loans

Non-designated treasury loan, denominated in RON and foreign currency (DIVERS)
Non-designated loan secured by real guarantees, denominated in RON and foreign currency (MAXICREDIT)

Non-designated loan secured by real guarantees allowing multiple drawings and repayments within the available ceiling, denominated in RON and foreign currency (MAXIPLUS)

Credit line, denominated in RON (PLUS)  

Real estate investment loans

Housing loan, denominated in RON and foreign currency (CAMIN)
Mortgage loan, denominated in RON and foreign currency (REZIDENTIAL)
Bridging loan, denominated in RON and foreign currency (PUNTE)

Durable goods acquisition loans

Durable goods acquisition loan, denominated in RON and foreign currency (PRACTIC)

New and second hand vehicles acquisition loans, denominated in RON and foreign currency (MOTOR)  

 

Loans to free professions  

Credit lines for current activity, denominated in RON (FLUX)
Raw materials and commodities acquisition loans as well for attending specialised training programs, symposiums, denominated in RON (PRODUCTIV)
Loan for investments, denominated in RON and foreign currency (INVEST) 

Moreover BCR provides for its clients packages of products and services; a modern and flexible solution for managing personal finances or for financing any project. Packages group together loans or time deposits with cards, insurances and so on.

BCR provides for its retail customers 16 types of Cards:  

Debit cards:

Denominated in RON: BCR Maestro, BCR VISA Clasic, BCR VISA Electron,          BCR VISA Electron Junior

Denominated in USD: BCR VISA Clasic International, BCR VISA Virtuon

Denominated in EUR: BCR VISA Clasic International

Credit cards:

Denominated in RON: BCR MasterCard
Denominated in EUR: BCR MasterCard GOLD   

Co-brand debit card:

Denominated in RON: BCR VISA Electron EURO<26

Co-brand credit card:

Denominated in RON: BCR MasterCard ALTEX, BCR VISA Depozitul de Calculatoare, BCR VISA UltraPro, BCR MasterCard Praktiker, BCR MasterCard Media Galaxy, BCR MasterCard Univers All  

The Bank's ATM network is the largest in Romania. Banking via ATM has became increasingly popular among BCR card holders mainly due to the large range of services available at the ATMs: balance inquiry, payments for telephone bills, mobile telephone bills, recharge of the the mobile pre-pay card, payments for electricity bills, loan reimbursements and, of course, cash withdrawals and funds transfers in the current account/call deposit.  

BCR has also offering a wide range of day-to-day services for individuals, such as: foreign exchange transactions, foreign currency payment orders using SWIFT, Merchants Bank, MoneyGram systems, Smith& Smith, Travelex and so on, direct debit and standing order services, safety deposit boxes, as well as payment of the utilities and telephone bills.  

The Bank processes cheques in all major foreign currencies and also issues cheques under the sign of its most important correspondent banks. BCR also issues travellers cheques in cooperation with American Express Bank.

Other products and services are available too in order to satisfy the customers' requirements and expectations. For example: e-BCR which gives electronic access to the accounts enabling the electronic banking via Internet.

Besides the retail banking portfolio of products and services, the individuals are provided with additional financial services including insurance, leasing, asset management and brokerage services offered by the BCR Group subsidiaries.

Banca Comerciala Romana
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