BCR review

The debit account carries a monthly fee of RON 12. The site median monthly fee is €0, and BCR sits at 359 out of 419 brands on that measure, so the charge is well above the typical one here.

Yes. The card charges an annual fee of RON 45, and its APR runs 12.1% to 31.89% once purchases leave the grace period. The site median APR is 20.97%, so balances carried for long cost more than on the typical card compared.

The rewards type is points, and the card earns a rate of 2 points in George benefits programme. Perks also list George Moneyback cashback at partners, so the mix is points in the benefits programme plus partner cashback rather than one flat cashback rate on every purchase.

Perks list a grace period on new purchases and interest-free instalments in equal parts, and the card kind is credit. That structure suits people who pay the full statement each month and still want a balance carried for a while without interest.

The free ATM allowance is RON 0, so cash withdrawals are not covered on the account. BCR ranks 41 of 115 brands on that measure, and the site median free allowance is €0.

The network is mastercard, and the card type for the account is debit. Mastercard accounts for 38.5% of the cards compared on the site, so acceptance abroad follows the wider network rather than a single local scheme.

It suits people already banking with Banca Comerciala Romana, a bank founded in 1990. The account features cover multi currency and travel, so it fits everyday spending and trips where more than one currency is held, with the debit card and credit card on the same relationship.

Support runs on phone and email. Phone is the most used channel among the brands compared at 67.3%, with email close behind at 58.1%, so questions are handled by call or written reply rather than live chat.