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 Responsible Together

Responsible together

Special measures for you


Private individuals 

Between 16th of June 2020 and 30th of September 2020, you can request a deferred payment solution for your consumer or mortgage loan, excepting the credit lines (overdraft or credit cards).

This solution involves suspending the obligation of paying capital, interest and commissions, if any, in accordance with the contractual provisions, for a period of 3 months and extending the duration of the loan with the duration of the deferral. The exception is the "Prima Casa" loan, for which the new loan term cannot exceed the maximum possible duration of 360 months.

Interest and commissions are calculated according to the provisions of the loan contract and will be paid in installments, for the entire duration of the loan, without applying costs to them. In the case of “Prima Casa” loans, the FNGCIMM annual management fee, due during the deferral period, will be paid on the first installment after the deferral period and subsequently, at annual intervals.

To implement this solution, it is necessary that all parties to the loan contract (borrower, co-borrower, guarantor) to sign an addendum at the loan contract. It is also important to note that, in the event of default amounts, they are not subject to deferred payment solution and you will need to pay them as soon as possible, in order to avoid the accumulation of penalty interest under the loan contract.

In order to request a deferral of payment, you must meet the following conditions:

Please note that interest will be calculated in the payment deferral period and will be perceived after the deferred payment period as follows:

Please note that during the deferred payment period, interest and commissions will be calculated, according to the provisions of the loan contract, and they will be charged after the deferred payment period by dividing them to the remaining loan period, according to the examples showed bellow.

Therefore, after the end of the payment deferral period, the monthly rate will increase compared to the current situation. Also, the repayment term will be extended with the deferral period.

You can fill in the form  HERE.  After completing it, please be patient to be contacted by a BRD representative to set the date for signing the addendum at your loan contract.

For information about the status of your deferral request, we provide you a dedicated line to the subject of deferred payment solution: 021 302 6118. The number is available from Monday to Friday between 09:00 and 17:00 for all individual customers.


SME Invest

We restart together, with the state-guaranteed financing within the SME Invest program.

IMM Invest is a government program, administered by FNGCIMM, which helps Romanian SMEs to provide working capital and investment in the current context. BRD is a partner bank in the program and you can choose us as a partner bank in your endeavors.

Find out more details about the advantages of the program, the eligibility criteria and the steps you can take to enter the program HERE.


Small Business and Self-Employed Individuals


I. Deferment of payment (grace period) under conditions offered by BRD

We offer the possibility to micro-companies (companies with a turnover below 1 million Euros) as well as to Authorized Individuals and Liberal Professions, who are temporarily affected by the effects of the Covid-19 pandemic. They can request a grace period of 3 (three) months for the payment of principal installments and for the payment of interest, provided for in the Credit Agreement ("Grace Period"), the crediting period to be extended by the Grace Period, as well as the exemption from the payment of monthly fees provided for in the Credit Agreement Grace period. The interest due corresponding to the due amounts, the payment of which is deferred, will be paid in installments for the remaining period until the new maturity, after the Period of Grace.

The modification of the contractual clauses, as an effect of the approval of the Clients’ request, is made by concluding additional documents by the parties.

Eligibility conditions for access to deferred payment under the conditions provided by BRD:

If you are interested in this option, fill in the dedicated form HERE.


II. Apply online for Small Business services and products

If you own a company with a turnover of less than 1 million Euros or you have an Authorized Individual (PFA) or Liberal Profession (PL) establishment, you can fill out an online form to request a new current account package or digital banking services.

Fill out the form no matter if you are already our client or you want to become one.

Please note that the activation of your selected services or products will take place at the BRD branch you have chosen by filling the online form.

Fill in the dedicated form HERE and we will contact you.

If you want to see what type of current account package suits you, check out the links below:


Corporate Companies Loans

BRD Conferences: # Restart Together

The future is for those who seek solutions today, not tomorrow.

In May we started a series of 20 regional conferences dedicated to SMEs, so together, we can find feasible solutions for the future.

Entrepreneurs' concerns during this period include access to liquidity, the risk of default or overdue payments. If you find yourself among the companies that have foreign currency denominated contracts you probably are looking for solutions to secure your commercial margin from the exchange rate volatility.

In addition to the analyses and solutions that our specialists propose, we want to have a dialogue with entrepreneurs, in order to understand how we can better support those on whose shoulders the mission is perhaps the hardest: To Restart the Economy.

During BRD Conferences: Restart Together we address these issues without neglecting macroeconomic impact, risks and opportunities that this pandemic brought to the economic sector.


Felix Daniliuc – SME Executive Director
Florian Libocor – Chief Economist
Marius Purcarea – CEO BRD Asset Management
Marius Stoica –Financial Markets Executive Director
Ana Havriciuc – Commercial Director Financial Markets
Anca Dogaru – Factoring, Trade Services Director

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Digitization of BRD banking services

During this difficult period, which began with the state of emergency and continued with the state of alert caused by the COVID 19 pandemic, the requirements for digitalization of the banking services for companies intensified.

Following the market trend, BRD offers its customers a series of digital services and applications that allow in the real-time management of their banking activity.

Contact the dedicated relationship manager right now to sign the adherence contract. Be among the bank's digital customers.


BRD@ffice (BRD@ffice website, BRD@ffice Mobile and M-Token)

Remote managemente of the bank accounts and the accounts opened with the State Treasury by legal entities / authorized individuals Benefits:

1) Real-time executions and updates of balance accounts;

2) Real-time processing of non-banking days transfers and foreign exchange within the bank (eg. legal holidays, weekends);

3) Increased securty using an M-token for authentication, integrated with BRD@ffice Mobile app;

4) Intra-day operations for the following payment orders: national (in RON), SEPA, urgent payment orders for main currencies, accourding to the cut off time published on BRD@ffice homepage;

5) Easy time management by reading messages on the most important changes of BRD products and services;

6) Direct access of allNet BRD service ( online management of Trade Finance products).


Technical details and cost

1) Direct access by clicking on www.brdoffice.ro

2) Download BRD@ffice Mobile and M-Token from dedicated Android/iOS store;

3) BRD@ffice Mobile is intended exclusively for BRD@ffice customers and is free of charge;

4) Monthly administration fee for BRD@ffice.


Myfactoring BRD

Service created for online management of factoring agreements and active cooperation with the bank’s specialists.



1) Time management for employees who track the factoring contracts by accessing in real time information about: limits, in-payment and out-payment enquiry, main balances, movements, assignments, etc. ;

2) Ledger analysis and customized reports, fast and easy for personal use;

3) Optimazing the financiang flow by using the online assigned invoices schedule entry;

4) Easy to use and acces without licenses or apps.


Technical details and cost:

- Direct access by clicking on https://myfactoring.brd.ro

- Free of charge until December 31 , 2020



Online management of trade finance related products and active cooperation with the bank’s specialists.



1) Easy and fast, real time tracking activities by push notifications on e-mail for all changes; access to transaction history;

2) Time management and less operational burden by sending online instructions, less trips to the bank and direct contact with trade finance specialists. Real time updates.

3) Customized reports easily used with accounting sistems;

4) Compatible with the online issuance and tracking of FINTRA® L/C


Technical details and cost

- Direct access by clicking on: https://www.unified-access.sogetrade-services.societegenerale.com/sogetrade-services/index.html#/

- Free of charge


Your online safety is a priority for us

During this difficult time, online phishing and electronic fraud attempts are more and more prevalent.

These are attempts to defraud banking / personal information take the form of an online or SMS messages, which appear to be sent by a banking institution and require access to an attachment or link. If you receive such a message, your bank information such as card / password / CVV number, etc. will be stored. Therefore, if you receive such a message you must delete it, the bank will never send SMS or e-mail verification, alert messages containing forms or redirects to other sites where you are asked for other personal data.


For your online safety, we present a series of recommendations that we hope will be useful to you:

More information regarding online security, data and transaction confidentiality is available here.

BRD Agencies Status

Like many of you, our colleagues are parents and in this period responsibility towards the family is a priority. For this reason, some agencies are temporarily closed, while others have changed schedules. We apologize for any discomfort and thank you for your understanding.

We want to ensure the safest conditions in our branches, for both customers and employees. Therefore, there may be program interruptions due to occasional disinfections. The program interruption will be announced at least one day in advance, through posters displayed in branches.

On the days declared public holidays (June 1 and June 8, 2020), all BRD units will be closed.

Also, we inform you that our branches will be closed between 13h00 - 13h30 for lunch breaks, and those that already modified their working schedules, you will find below:

Closed Agencies
County Agency Closing date Transfer Agency Opening date
Bucuresti ASE 12.03.2020 Dacia  
Bucuresti Amiro 23.03.2020 Obregia  
Bucuresti Politehnica 25.03.2020 Batistei  
Bucuresti Giulesti 29.05.2020 Feroviarilor  
Bucuresti UTCB 07.08.2020 - 21.08.2020
Constanta Sat Vacanta 06.04.2020 Tomis Nord  
Cluj Horea 18.03.2020 Napoca  
Iasi Vasile Alecsandri 18.03.2020 Sucursala Iasi  
Timis Bogdanestilor 06.04.2020 Gheorghe Lazar  


Modified Schedule
County Agency Schedule M-F
Schedule S-S
Arges Auchan Pitesti 10:30 - 20:30  10:30 - 17:30
Bacau Onesti 09:00 - 16:45 -
Botosani Dorohoi

09:00 - 15:30
fără pauză

Botosani George Enescu 09:00 - 15:30 -
Botosani Armonia 09:00 - 15:30 -
Braila Braila

09:00 - 17:00

fara pauza

Braila Centru Civic 09:00 - 16:45 -
Bucuresti Giulesti 08:00 - 15:45 -
Bucuresti Colentina 08:15 - 15:45 -
Bucuresti Delfin 08:15 - 16:00 -
Bucuresti Dorobanti 08:15 - 16:00 -
Bucuresti Triumf

08:15 - 15:45

Bucuresti Tei 08:15 - 16:00 -
Bucuresti Bucur Obor 08:15 - 16:00 -
Bucuresti Lipscani 11:30 - 19:15 -
Bucuresti Nicolae Titulescu Bucuresti 08:00 - 15:45 -
Bucuresti Baicului 08:00 - 16:00 -
Bucuresti Cora Lujerului 12:00 - 20:00
fara pauza
12:00 - 20:00
fara pauza
Bucuresti Auchan Titan 10:00 - 20:00
fara pauza
10:00 - 20:00 (S)
10:30 - 17:00 (D)
Bucuresti Plaza Romania 10:00 - 21:30
fara pauza
10:00-20:00 (S)
10:00-19:00 (D)
fara pauza
Bucuresti Vatra Luminoasa 08:00 - 16:00 -
Bucuresti Universitatea Tehnica
de Constructii
08:00 - 15:45 -
Bucuresti Floreasca 08:15 - 15:45 -
Buzau Buzau

09:00 - 17:00 

fara pauza

Constanta Lapusneanu 09:00 - 16:45  -
Dolj Mihai Viteazu 09:00 - 16:45 -
Focsani Focsani

09:00 - 17:00 

fara pauza

Galati Tecuci 09:00 - 16:45 -
Gorj Jiului 09:00 - 16:45 Inchis
Iasi Carrefour Felicia 10:15 - 18:00 Inchis
Iasi Carrefour Era Park 09:30 - 18:30
fara pauza
10:00 - 17:00
fara pauza
Ilfov Voluntari 08:00 - 15:45 -
Ilfov Henri Coanda 09:15 - 17:00 Inchis
Ilfov Pipera Tunari 08:00 - 15:45 -
Ilfov Doraly 08:00 - 15:45 -
Ilfov Carrefour Militari 10:00 - 21:00
fara pauza
fara pauza
Suceava Kaufland Suceava 08:00 - 19:45 08:00 - 17:45
Pitesti Vivo Pitesti 10:00 - 21:00
fara pauza
10:00 - 21:00
fara pauza
Ploiesti Carrefour Ploiesti 10:00 - 22:00
fara pauza
10:00 - 22:00
fara pauza
Timis Jimbolia 10:00 - 16:00 -
Timis Sudului 08:00 - 15:45 -
Tulcea Tulcea

09:00 - 17:00 

fara pauza



Useful tips

We know that during this period you are facing an avalanche of information regarding the evolution of Covid-19 (Coronavirus). We come to your aid with some useful tips.

First of all, we recommend you to use the alternative means available both for carrying out the financial-banking operations and for contacting a representative of the bank, as follows:

How can you get in touch with us?

If you really need to come to a BRD agency, make sure you keep at least 1.5 meters away from those around you, whether they are clients or bank staff.