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Authorized overdraft

Authorized overdraft

Take a cash reserve!

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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


Representative example valid on 01.04.2024, calculated on the basis of the standard costs charged by the bank: for an overdraft in the amount of 5,367 lei, granted for a period of 60 months, with variable interest 10.6% + IRCC*, commission of file analysis 20 lei and current account administration fee zero lei (cost valid for the period of ownership of a package of products and services). If the requested amount is used in full and for the entire duration of the credit agreement, the effective annual interest rate (APR) is 17.95%, and the total amount payable is 9,817.23 lei. The product is only available if you opt for income collection in the BRD current account. *IRCC valid for the period 01.04.2024 - 30.06.2024 is 5.90%.

Before making the decision to borrow, analyze the characteristics and implications of the loan. Make sure you understand the risks associated with credit agreements, mainly regarding the fluctuation of your income and the change in benchmarks, in the case of variable interest loans.