Overdraft

Your cash reserve at your disposal, 100% online.

  • Reuse repaid amounts
  • Pay interest only for the amount you use
  • You get -3% discount on interest if you opt for overdraft with life insurance
Watch demo video

Overdraft

Your cash reserve at your disposal, 100% online.

  • Reuse repaid amounts
  • Pay interest only for the amount you use
  • You get -3% discount on interest if you opt for overdraft with life insurance
Watch demo video

Benefits

depozit la termen | depozite bancare

Extra interest discount
if you apply for Life Insurance

Descoperit de cont | Overdraft 100% online | BCR Persoane fizice

You get it on the spot, 100% online, directly from your smartphone or any device

Depozite la termen | depozit bancar | BCR

If you don't use it, you don't pay

Download the George app and get your personal overdraft, 100% online and fast from the George Store 

In case you haven't met George yet, you can download him from the App Store, Google Play or Huawei AppGallery.

Then, directly from the app, you go to the George Store and choose the amount you want to get. Simple, 100% online and fast, you get your cash reserve.

How much do I pay?

  • There are no fees or costs for opening, administrating, using or reimbursing.
  • If you don't use it, you don't pay. You pay a monthly interest only for how much you use from your cash reserve.

See the list of Interests and fees for George account overdraft

Representative example

  • Representative example Representative example for an overdraft of 5,376 lei, with life insurance*, variable interest rate of 16.98% (IRCC + 10.99%); Minimum monthly payment amount (interest and insurance fee) of 78.94 lei (including a monthly life insurance cost of 3 lei). At the end of the 24-month period, the total amount payable is 7,261.63 lei (the sum of the amount used plus the interest for 24 months, including the cost of life insurance). EAR is 19.15%.

    *If you opt for the overdraft with life insurance, you will benefit from a 3% interest discount compared to the overdraft without life insurance.

  • Representative example for an overdraft of 5,376 lei, without life insurance, variable interest rate of 19.98% (IRCC + 13.99%); Minimum monthly payment amount: 89.36 lei. In total, at the end of the 24 months, the total payable amount 7,511.65 lei (the sum of the amount used plus the interest for 24 months). EAR is 21.92%. 

    IRCC = 5.99% (valid until 31.12.2024). Offer valid until 31.12.2024.

How can I get it 100% online?

  1. Log in to George and access "Store" from the menu bar

  2. Select "Overdraft" and see the steps you need to go through

  3. You electronically sign the ANAF Agreement to receive your personalized offer

  4. You can choose life insurance that offers you interest discount and protection

  5. Confirm the salary account in which you will receive the cash reserve

  6. And that's it! Your cash reserve will be available into your account

Watch demo video here

I am not a BCR client, how do I get account overdraft?

Then discover everything you can do with George and get your current account and the card 100% online, without trips to the bank.