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Authorized overdraft

Authorized overdraft

Take a cash reserve!

Apply online

You always have money in your pocket!

Authorized overdraft brings you a wide range of banking and extra-banking products and services.

Cash reserve

to which you have access anytime through a card


without justification of the use of the funds


computed interest on the used loan only, while the loan is reduced with every deposit operation

What does the loan offer you?

Financing solutions through which you benefit from a cash reserve at any time. Thus, you can finance you current or unforeseen expenses.


What type of income do you need in order to obtain the loan?

A wide range of income types are accepted: from salary income, pensions, dividends, copyright, rents, to income from freelance activities. You can obtain a higher amount if also bring in the income of maximum 3 co-borrowers.


How can you relax for the entire credit period?

Life insurance for the entire credit period offers you and your family protection in case of unforeseen events (death of any cause and total and permanent disability of any cause). The policy is concluded at the time of signature of the loan agreement, the insurance premiums are paid monthly, so the effort is minimal.

Fees and commissions

List of fees download

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Representative example at 01.04.2021 for an overdraft of 5,367 lei, granted for a period of 60 months, with variable interest rate10.6% + IRCC*, analysis fee 20 lei, monthly account management fee associated with the loan zero lei (cost valid for holding a package of products and services). In case if the total requested amount is used and for the entire duration of the credit agreement, APR is 13,11%, the total amount payable is 8,681.55 lei. The product is available if you collect the income in the BRD current account.

* IRCC valid between 01.04.2021 - 30.06.2021 is 1.67%.

Before making the decision to lend, consider the characteristics and implications of the loan. Make sure you understand the risks associated with credit agreements, mainly regarding the fluctuation of your income or the change in the IRCC benchmark, in the case of variable interest rates.