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On 15.10.2024 from 22:00 unitl 16.10.2024 at 02:30, a technical maintenance operation will be performed on the YOU BRD service. In the mentioned interval, the application will not be available. Thank you for your understanding.
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News
News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
Scene 9
is an online cultural publication that shapes the portrait of the new generation of creators
Scoala 9
is an editorial project dedicated to the pre-university education created by DoR and BRD
Our team
Subsidiaries and associated entities
Culture
We invest in culture because we need leaders and projects to remind us where we come from, who we are and where we are heading to.
Education
We strongly believe that the main driver for a higher performance of the education system is the quality of teachers. That’s why our majors programs are focussing on developping teachers’ skills.
Sports
We love sports because they provide us with an exciting journey with some beautiful moments, heroes who win, attract new fans or, on the contrary, struggle with difficult moments.
Environment
Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
The Civil Society
Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
Financial Information
Depository services
Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
Issuer services
Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
Global and local custody services
Administration availability of customer accounts to their instructions - financial instruments operations or cash.
Clearing services
Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
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Saving and investments
Saving and investments
Offers
SMS banking
The remote banking service provides you with information on your bank accounts directly from your mobile phone.
Useful
The remote banking service provides you with information on your bank accounts directly from your mobile phone.
Find out more »Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
Find out more »Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
Find out more »Administration availability of customer accounts to their instructions - financial instruments operations or cash.
Find out more »Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
Find out more »News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
Find out more »is an online cultural publication that shapes the portrait of the new generation of creators
Find out more »is an editorial project dedicated to the pre-university education created by DoR and BRD
Find out more »Find here our mass media contacts
Find out more »We invest in culture because we need leaders and projects to remind us where we come from, who we are and where we are heading to.
Find out more »We strongly believe that the main driver for a higher performance of the education system is the quality of teachers. That’s why our majors programs are focussing on developping teachers’ skills.
Find out more »We love sports because they provide us with an exciting journey with some beautiful moments, heroes who win, attract new fans or, on the contrary, struggle with difficult moments.
Find out more »Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
Find out more »Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
Find out more »The PROGRESSO DEPOSIT
Progressive interest saving product.
increasing quarterly, guaranteed throughout the agreement period
you have the possibility to withdraw money without losing the interest for the previous concluded intervals
in banking operations
your savings are guaranteed through the Deposit Guarantee Fund for individuals, up to the limit established by the law
The Progresso deposit on 1 year or 3 years in LEI, EUR or USD allows you to save money, in accordance with your needs, while benefitting from a progressive interest rate from one interval to the next one, guaranteed by the contract until the end of the period.
Note: one interval = 180 days
- The minimum required amount for opening a deposit is of LEI/EUR/USD 500
- Progressive interest rate in LEI, EUR or USD: the interest rate increases on every interval and it is capitalized at the end of each 180 days interval
- Withdrawing money: In case you need the amount saved before the due date of the deposit (1 year, 3 years), you can withdraw money without losing the interest related to the concluded intervals and the standard current account interest for the on-going interval
- Automatic transfer: The amounts saved are automatically transferred from the deposit into your current account on the maturity date
- The Progresso deposit is available only in BRD branches.
- Interest tax regime
In accordance with the Romanian tax legislation, the Bank is obliged to withhold at source the tax on interests paid to its Private Individuals customers - resident or non-residents for tax purposes in Romania - as well as to its Legal Entities - non-resident for tax purposes. The tax is calculated and withheld at the time of interest payment and subsequently transferred by BRD to the National Tax Administration Agency ("ANAF"). The applicable tax rates are as follows:
- 10% of the gross interest for Individual customers, resident in Romania, in the EU or in countries with which Romania has concluded double taxation conventions;
- 16% of the gross interest rate for clients who do not fall under the above conditions.
Starting with 2023, Individuals may additionally owe CASS (social security health contributions) at the rate of 10% for interest income, if the amount of this income, together with the non-wage income from other activities (e.g. income from self-employment/ intellectual property rights/ other sources/ assignment of the use of assets/ investments - such as dividends, gains from the transfer of securities etc.) exceeds the equivalent of 6 minimum wages (currently). This contribution is paid directly by the Individual beneficiary after the completion and submission of the Single Tax Return on income tax and social contributions directly to ANAF.
BRD does not offer tax advice to its clients, the above details are for general information purposes only. For further details, please contact the tax authorities directly.
1 Year PROGRESSO Deposit
fixed interest rate (% / year) | |||
---|---|---|---|
Period* | RON | EUR | USD |
Interval I | 3,80% | 1,45% | 2,00% |
Interval II | 5,10% | 2,15% | 3,50% |
Minimum amount | 500 RON | 500 EUR | 500 USD |
Maximum amount | 400.000 RON | 100.000 EUR | 100.000 USD |
*one interval = 180 days
3 Years PROGRESSO Deposit
fixed interest rate (% / year) | |||
---|---|---|---|
Period* | RON | EUR | USD |
Interval I | 4,10% | 1,05% | 1,20% |
Interval II | 4,45% | 1,30% | 1,70% |
Interval III | 4,50% | 1,35% | 2,20% |
Interval IV | 4,55% | 1,35% | 2,70% |
Interval V | 4,60% | 1,45% | 3,20% |
Interval VI | 4,65% | 1,90% | 3,70% |
Minimum amount | 500 RON | 500 EUR | 500 USD |
Maximum amount | 400.000 RON | 100.000 EUR | 100.000 USD |
*one interval = 180 days
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We would like to remind you that BRD - Groupe Societe Generale has not requested and will never ask any of your authentication data (user code, password or password token) or confidential information related to your card (card number, expiration date, security code or PIN) by phone, nor e-mail or SMS.
These confidential data will be used only for the internet banking authentication or for online payments.
At the same time, if you notice a different appearance of the usual MyBRD Net application (ex. A notification message that the page is unavailable and you are invited to log in again, or to sync your token device), please stop the authentication process immediately and contact as soon as possible through MyBRD Contact tel: 021 302 6161.
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