BANCA ROMANA DE CREDITE SI INVESTITII SA

BANCA ROMANA DE CREDITE SI INVESTITII SA (BRCI) is a Romanian credit institution licensed and supervised by the National Bank of Romania, offering retail and SME banking services such as current and savings accounts in RON and major foreign currencies, term deposits, payment cards, and lending (secured and unsecured) subject to eligibility and collateral requirements. Payment capabilities include domestic RON transfers via national clearing systems and cross-border transactions through SEPA for euro payments and SWIFT for other currencies. Digital access is provided via online and mobile banking with strong customer authentication in line with PSD2. Pricing is disclosed in the public fee schedule and typically covers account maintenance, payments, cash operations, card usage, and foreign exchange margins; interest rates on deposits and loans vary by product and customer profile. Eligible deposits are protected by the Romanian Bank Deposit Guarantee Fund (FGDB) up to the RON equivalent of EUR 100,000 per depositor, per bank; balances above that limit are not guaranteed. Account opening follows Romanian KYC/AML requirements and requires valid identification and tax information, with additional documentation commonly requested from non-residents and legal entities. As a smaller institution, BRCI generally operates a more modest branch and ATM footprint and may offer a narrower product range than large universal banks, which can affect accessibility and available options depending on location and needs. Prospective clients should review the latest financial statements and regulatory disclosures (capital adequacy, liquidity, and asset quality), the current fee and interest rate lists, and product terms, and use formal complaint channels where necessary, including the National Bank of Romania and the Alternative Banking Dispute Resolution Center (CSALB).