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BCR review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BCR suits Romanian customers who run everyday money through the George app: a multi-currency Mastercard debit account, plus a credit card, personal loans and fixed-rate term deposits. The weak point is cost, with RON 12 a month for the debit account and a free ATM withdrawal allowance of RON 0.

Key facts

Best for
Everyday banking in Romania with cards, loans and fixed-rate deposits inside the George app.
Monthly fee
RON 12↗
Free ATM withdrawals
RON 0↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
Banca Comerciala Romana↗
Headquarters
Romania↗
Founded
1990↗
Support channels
Phone, Email↗
Features
Multi-currency, Travel
Official website
bcr.ro

Loans

APR
12.1% to 31.89%↗
Loan amount
up to RON 250,000↗
Term
up to 60 months↗
Arrangement fee
200 RON analysis fee; 0 RON loan administration fee↗
Credit check
Hard↗
Funding time
On the spot, up to 250,000 RON, applied 100% online↗
Representative example
Personal loan, 5 years, 30,000 RON, 200 RON analysis fee and 0 RON administration fee, fixed rate 6.29% to 14.99%, 626 to 714 RON per month, DAE 9.94% to 16.41%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Age 18 to 63 for women and up to 65 for men at loan end, up to 75 if retired; income from salary, pension or mandate contracts; no current arrears↗
Loan types
Personal, Debt-consolidation↗
Use cases
Home-improvement↗
Pricing model
Fixed rate

Credit cards

Annual fee
RON 45↗
Rewards type
Points↗
Rewards rate
2 points in George benefits programme↗
Perks
Grace period up to 55 days, Up to 12 equal interest-free instalments, George Moneyback cashback at partners↗
Card kind
Credit↗

Savings

Headline rate
6%↗
Access terms
Opened and managed 100% online in the George app; 3/6/12/24 months in RON, 3/6/12 months in EUR/USD; automatic renewal option↗
Account kind
Fixed↗

Mortgages

Initial rate
4.99%↗
APRC
7.64%↗
Fixed period
3 years↗
Maximum loan to value
85%↗
Product fee
RON 900↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Cards, loans and deposits all run in the George app, with multi currency and travel on the debit card.
  • BCR is a direct lender rather than a broker, and funding is On the spot, up to 250,000 RON, applied 100% online.
  • The credit card pays 2 points in George benefits programme and carries RON 45 a year.
  • Term deposits pay 6% on a fixed basis, above the 3% median for the site.

Cons

  • RON 12 a month for the debit account, where bunq charges €0 and Wise £0.
  • The free ATM withdrawal allowance on the debit card stands at RON 0.
  • Support runs on phone and email only, against 35.2% of the site offering chat.

Ready to try BCR?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Romanian customers who want the debit account, credit card, loans and deposits in one app.
  • Savers after a fixed term deposit at 6% with an automatic renewal option.
  • Borrowers with salary, pension or mandate income who want a direct lender and free early repayment.

Who should look elsewhere

  • Readers who want no monthly fee: bunq charges €0 a month and Wise £0.
  • Borrowers after a secured credit card only, where the Varo Believe Secured Credit Card charges $0 a month and no loan range.
  • Customers based outside Romania, since BCR is headquartered in Romania.

How BCR compares

Where BCR is available

Available
Romania

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the George debit account cost to keep?+

The account carries a monthly fee of RON 12, and the card itself is a debit card on the mastercard network. It ranks 361 of 422 on monthly fee here, so this is a paid everyday account. Multi-currency and travel features come as multi currency and travel.

Are there free ATM withdrawals on the card?+

Free ATM withdrawals come to RON 0 on this card, which places the account 44 of 124 on the measure. The site median for free ATM withdrawals is €0, so cash machine use is where this account offers least.

What does the credit card cost and what comes with it?+

The credit card charges an annual fee of RON 45 and 12.1% to 31.89% on spending and borrowing. Rewards run at 2 points in George benefits programme, and the card is a credit card. Set the annual fee against the €0 median across the site.

How do personal loans work here?+

BCR lends as a direct lender rather than a broker, and the rate type is fixed. Funding is On the spot, up to 250,000 RON, applied 100% online, the term runs to up to 60 and the amount borrowed can reach up to RON 250,000. Fees come to 200 RON analysis fee; 0 RON loan administration fee, early repayment costs nothing, and the credit check is hard.

What are the term deposits like?+

Term deposits are opened and managed entirely in the George app, with several month terms in RON and shorter terms in EUR or USD. The account kind is fixed at a headline rate of 6%, above the 3% median on the site, and an automatic renewal option is available.

Who can take out a loan?+

Applicants need a minimum age, a maximum age at the end of the loan, income from a salary, pension or mandate contract, and no current arrears. The application runs in the George app for personal and debt consolidation borrowing, with funding On the spot, up to 250,000 RON, applied 100% online and use cases such as home improvement.

Can I take a mortgage for a purchase or a remortgage?+

Yes, for purchase and remortgage. The initial rate is 4.99% and the APRC is 7.64%, fixed for 3, with borrowing up to 85% of the property value. A product fee of RON 900 applies, so weigh it against the 4.91% median here.

How do you reach support, and where is the bank based?+

Support runs on phone and email, while 35.2% of the site offers chat and 79.6% run a help centre. The bank is Banca Comerciala Romana, headquartered in Romania and founded in 1990, with the George app as the main channel.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Protection.

BCR

Everyday banking in Romania with cards, loans and fixed-rate deposits inside the George app.

8.9/10See alternatives