ProCredit Bank S.A

ProCredit Bank S.A. is a Romanian credit institution headquartered in Bucharest, part of the Frankfurt-based ProCredit group, licensed and supervised by the National Bank of Romania and participating in the Bank Deposit Guarantee Fund (FGDB), which protects eligible deposits up to the RON equivalent of EUR 100,000 per depositor per bank. The bank’s business model is oriented toward small and medium-sized enterprises and agricultural clients, offering current and savings accounts in RON and major foreign currencies, term deposits, domestic RON payments, SEPA transfers in EUR, international transfers via SWIFT, debit cards for cash and online use with 3D Secure, and internet and mobile banking with strong customer authentication in line with PSD2. Credit products include working capital facilities, investment and equipment loans, agricultural financing, and energy-efficiency or “green” loans; interest rates and collateral requirements vary by product, currency, and client risk profile. Trade finance services such as bank guarantees and documentary instruments are available for businesses engaged in import/export, and foreign exchange services are provided for transactional needs; clients using foreign-currency or variable-rate products should consider FX and interest rate risk. Account opening follows Romanian AML/KYC rules, with individuals and legal entities required to present identification and, for companies, corporate documents and beneficial ownership information; fees for account maintenance, payments, cards, cash operations, and other services are published in the bank’s tariff schedule and may differ by package and channel. Branch and service coverage is concentrated in larger cities, with day-to-day operations supported by digital channels and a contact center. The bank applies group environmental and social risk policies and offers financing aimed at energy efficiency and renewable investments. Clients should consult the bank’s official website or branches for current terms, eligibility criteria, and pricing before opening accounts or contracting credit.