Banca Comerciala Romana S.A.

Banca Comerciala Romana S.A. is a universal bank headquartered in Bucharest and majority owned by Erste Group Bank AG, operating under the supervision of the National Bank of Romania and participating in the national deposit guarantee scheme that protects eligible deposits up to the RON equivalent of EUR 100,000 per depositor. The bank provides retail, SME, and corporate services, including current and savings accounts in RON and major foreign currencies, term deposits, debit and credit cards (Visa/Mastercard) with contactless functionality and support for mobile wallets such as Apple Pay and Google Pay, consumer loans and mortgages (including participation in government-backed housing programs), overdrafts, and a range of financing solutions for businesses such as working capital lines, investment loans, factoring, trade finance, and cash management. Through group and affiliated entities it offers leasing (BCR Leasing), voluntary pensions (BCR Pensii), and access to mutual funds via Erste Asset Management, and distributes insurance products through partners. Digital banking is provided via the George platform on web and mobile, covering account opening and onboarding subject to KYC/AML rules, domestic RON transfers (including scheduled and recurring payments, and instant payments where enabled), SEPA transfers in EUR, international SWIFT transfers, bill payments, card management and 3D Secure authentication, and strong customer authentication in line with PSD2. The bank maintains a nationwide branch and self-service network of ATMs and cash deposit machines and provides merchant acquiring and POS services. For corporate and public sector clients, the offering includes treasury and risk management solutions (FX and interest-rate products), escrow, and capital markets intermediation through group entities. Pricing is structured through account packages and pay‑as‑you‑go options, with published standard fees and interest rates; charges vary by channel and network for withdrawals, transfers, and foreign currency conversion. Accounts use IBAN format and international payments are routed via SWIFT (BIC: RNCBROBU). Products are subject to eligibility, documentation, and creditworthiness checks; variable‑rate lending typically references local benchmarks, with fixed‑rate alternatives available. Consumer protection, data privacy, and complaint handling follow Romanian and EU regulations, and services are offered primarily in Romanian, with English support available in major channels.