LIBRA INTERNET BANK S.A.

LIBRA INTERNET BANK S.A. is a Romanian commercial bank headquartered in Bucharest, licensed and supervised by the National Bank of Romania and part of the New Century Holdings (NCH) group. The bank operates with an emphasis on digital channels and a relatively lean physical network, offering retail and business services that include RON and foreign currency current accounts, domestic and international payments (including SEPA and SWIFT), debit and credit cards, internet and mobile banking, and term deposits. On the corporate side it focuses on small and mid-sized enterprises, liberal professions, agribusiness, and real estate developers, providing payment accounts with multi-user permissions, POS and e-commerce acquiring through the LibraPay gateway, cash management, trade finance and letters of guarantee, escrow, factoring, and a range of credit facilities. Digital onboarding options are available for individuals and many businesses, with strong customer authentication under PSD2 and 3D Secure for card transactions; open banking interfaces are offered to licensed third parties. The bank participates in Romania’s deposit guarantee scheme (FGDB), which protects eligible deposits up to the RON equivalent of EUR 100,000 per depositor per institution, and supports RON instant payments within the national scheme where counterparties are enabled. Standard published tariffs apply to account packages, cards, and transfers, with currency conversion margins on cross-border and foreign-currency transactions; operational cut-offs and transaction limits apply. Eligibility, documentation, and risk appetite vary by customer type and sector, and some products or features may be limited to residents or to specific business profiles.