BCR review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BCR suits Romanian savers who want a bank-held deposit paying 6% at a fixed rate, opened and run from the George app. The money is held by Banca Comerciala Romana SA under a National Bank of Romania licence, with deposits covered at EU DGS up to EUR 100,000.
Key facts
- Best for
- A fixed-rate term deposit in RON, EUR or USD, opened and managed in the George app.
- Monthly fee
- RON 0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Transfer fee
- 0 lei for interbank payments via George↗
- Legal entity
- Banca Comerciala Romana SA↗
- Headquarters
- Romania↗
- Founded
- 1990↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- bcr.ro
Savings
Pros and cons
Pros
- Deposits sit under the EU deposit guarantee at EU DGS up to EUR 100,000.
- Transfers inside the app are Instant payments via George, so money moves without waiting.
- A bank registered with the National Bank of Romania, in business since 1990.
- Help is available through email, phone and help centre.
Cons
- Support runs on email, phone and help centre only, with no live chat.
- The deposit is opened and managed only in the George app, so the whole product sits in one place.
- EUR and USD deposits come with shorter terms than the RON deposit.
Ready to try BCR?
Scored 9.3 / 10 by VaultCue.
Who it suits
- Romanian savers who want a fixed rate and can leave the money for 3 to 24.
- People who want everyday payments and term savings handled in one app through George.
- Readers who want savings held by a supervised bank rather than an e-money balance.
Who should look elsewhere
- Anyone after a card and credit product instead of a deposit: AXI Card charges €0 a month and is built around the card.
- Market traders who want a dealing platform: XTB charges €0 a month and centres on trading rather than a fixed term.
- People after a wallet balance for spending abroad: Skrill charges €0 a month and suits holding and spending a balance.
Fees and FX
The monthly fee is RON 0, so holding the account costs nothing extra each month. Interbank payments sent from the George app are charged at 0 lei for interbank payments via George, which keeps the everyday cost of paying another bank at nothing. Both parts sit at the entry level of the market, and nothing is needed to keep the account open or send money from it.
How BCR compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 9.0A wallet account with a monthly fee of €0, aimed at holding and spending a balance rather than a fixed deposit at 6%.
9.3 vs 8.7
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
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9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.9
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9.3 vs 8.1- 9.3 vs 8.1
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 9.1
Where BCR is available
- Available
- Romania
- Licence in Romania
- National Bank of Romania (RB-PJR-40-008/1999), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep a BCR account open?+
Keeping the account open costs nothing: the monthly fee is RON 0. BCR ranks 1 on monthly fee among the 500 brands compared, and that flat cost is the part readers weigh when money is staying with a bank rather than a wallet.
What rate do I earn, and how long am I tied up?+
The deposit pays 6% at a fixed rate, and terms run 3 to 24 for the RON version. Because the rate is fixed for the whole term, the figure you see at opening is what you earn at maturity, with an automatic renewal option if you want the deposit to roll on.
Is my money protected at BCR?+
Deposits sit under the EU deposit guarantee at EU DGS up to EUR 100,000. That protection comes with the bank licence, and BCR is supervised by the National Bank of Romania, so the money is held by the bank itself rather than by an e-money firm.
Is BCR a bank or an e-money account?+
BCR is Banca Comerciala Romana SA, a Romanian bank registered with the National Bank of Romania under licence RB-PJR-40-008/1999 and operating since 1990. A bank licence means savings are covered by the EU deposit guarantee, rather than only being safeguarded as e-money balances would be.
What do payments and transfers cost, and how fast are they?+
Interbank payments sent through the George app are charged at 0 lei for interbank payments via George, and other transfers carry fees of RON 0 to RON 6.49. Everyday payments in the app are instant, so sending money to another bank or receiving a salary keeps its cost at nothing when it is done in George.
How can I get money out of a BCR account?+
Payouts run through bank, cash pickup and card, so paying to a bank account, collecting cash at a pickup point or paying to a card are all covered. Transfers inside the George app are Instant payments via George, which keeps the bank and card routes quick for everyday spending.
How do I contact BCR support?+
Help is offered through email, phone and help centre, so you can email, call or use the help centre. Support runs on those channels rather than live chat, which suits readers who prefer to keep the conversation in writing or on the phone.
Which currencies can I use for a BCR deposit?+
The deposit is offered in RON, EUR and USD and is opened and managed entirely in the George app. It is a fixed account under the no monthly fee model, so there is no monthly charge on the account that holds it and the balance works through the app.
Sources
- m.bvb.ro/infocont/infocont23/BCR28B_Raport_Anual_2022_en.pdf checked September 26, 2026
Backs: Headquarters
“Headquarters: 159 Calea Plevnei street, Sector 6, Bucharest”
- bcr.ro/content/dam/ro/bcr/www_bcr_ro/EN/Investors/Financi... checked September 26, 2026
Backs: Legal entity
“Name of legal entity: Banca Comerciala Romana SA”
- bcr.ro/en/contact checked September 26, 2026
Backs: Deposit protection, Support channels, Licences
“contact.center@bcr.ro - From Romania: *2BCR (*2227)”
- bcr.ro/ro/persoane-fizice/digital-banking/cont-online-george checked September 26, 2026
Backs: Delivery time, Pricing model, Monthly fee, Payout methods, Transfer fee, Fee to send 1,000
“ZERO lei pentru platile interbancare prin George, in lei - Contul George”
- bcr.ro/ro/persoane-fizice/economisire-si-investire/depozi... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Rate type, Term
- cbinsights.com/company/intesa-sanpaolo-bank-romania checked September 26, 2026
Backs: Founded
“It was founded in 1990 and is based in Bucharest, Romania”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currency conversion fee, Currencies.
Related by the facts
BCR
A fixed-rate term deposit in RON, EUR or USD, opened and managed in the George app.