PRIVATE INDIVIDUALS

Fees and Commissions Guide

for Individuals
into force starting with: 10.02.2020

IMPORTANT:
This guide is part of the contract concluded between you and the Bank. Therefore, do not hesitate to ask your BRD agency to hand you over a copy
thereof whenever you deem it necessary. You may check the fees and commissions applicable at any date at any BRD agency and on the institutional
website, respectively www.brd.ro
These fees and commissions are available starting with 10th of February 2020.
 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

1. Current operations
1.1 Opening and managing accounts lei / foreign currency
Current account opening fee free
Escrow accounts for loans management fee free
Current account management fee 4.20 lei/ month/ account (in currency equivalent)
Management fee for current accounts included in conventions:
with attached card included in a convention Standard Offer - Employees 4 lei/ month
with attached card included in a convention Standard Offer - Managers 6 lei/ month1
Management fee for BRD Capital Market accounts:
the Holder owns at least one current account in BRD free
the Holder does not own a current account in BRD 4.20 lei/ month/ account ( in currency equivalent)
1.2 Account statement lei / foreign currency
Submission of the account statement (monthly)2 3 lei
free 1 eur (in currency equivalent)
Issue of the account statement (current account3) for the previous month, at customer request (the first account statement) (starting with the 2nd account statement)
Issue of the account statement (current account3) for the current month, at customer request 1 eur/ statement (in currency equivalent)
3 eur/ account (equiv. in the account currency) 5 eur/ account (equiv. in the account currency)
for a period < 3 months, in relation with the current for a period >= 3 months, in relation with the current
Issue of an account history (current account3), at customer request, in BRD agencies date date
1.3 Other services lei / foreign currency
Adding new empowered persons free
Garnishments management fee4 20 lei/ garnishment notice (in currency equivalent)
Providing information on the current account balance (including BRD Pieţe de Capital accounts) via:
ATM/ POS BRD/ MyBRD Contact free
MyBRD SMS 0.9 lei (in currency equivalent)
Fees related to the “Switching/ Changing current accounts from one Bank to another” service5 free
1.4 Cash operations lei foreign currency
Cash deposits at the counter
(account Holders, empowered persons or in the accounts of other invididuals) free free6
Cash deposits at the counter in the accounts of juridical persons 0.60%, min. 2 lei -
Cash withdrawal at the counter 0.50%, min. 5 lei 0.50%, min. 3 eur (or equiv.)
1 Valid for conventions in stock, concluded until 31.12.2017, inclusively.
2 Valid both for issuing the account statement at the counter and for the submission thereof to the customer’s residence or to another address indicated by the customer; valid also for the account with standard credit card (Punct Card/
CumVreiTu) attached. Starting with15.10.2007, the fee also applies to BRD-ISIC cards and Card 10 marketed individually (outside agreements/ conventions)
3 Including the CumVreiTu credit card, Platinum credit card
4 It is automatically charged at the time of setting the garnishment address - the charged fee may not exceed the garnishment’s amount
5 The service applies to BRD customers who are Holders of current accounts and request the transfer of the account relationship towards another Bank
6 The Bank does not accept foreign metallic coins, except EUR and USD that are accepted for cash deposits, exclusively for loan installments repayments for Individuals

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

1.5 Opening and managing current accounts with basic services 1 LEI
1.5.1 Current account with basic services for vulnerable customers2:
Required operations for:
Account opening fee free
Account management fee free
Account closure fee free
Cash deposits in lei, in the account, at the counter (Account Holder) free
Services that allow cash withdrawals from the account:
Cash withdrawals in lei at the counter free
Cash withdrawals in lei at BRD ATM’s4 free
Cash withdrawals in lei at ATMs of other Banks from Romania4 free
Payment operations:
Intra-banking (BRD-BRD) and inter-banking (BRD-other Banks) Direct Debit
Payments through a payment card, including online payments4
Credit transfer - Intra-banking (BRD-BRD) and inter-banking (BRD-other Banks) incomings in lei
the first 10 payment operations/ month are free5
Credit transfer - Intra-banking (BRD-BRD) and inter-banking (BRD-other Banks) payments in lei at the counter
Credit transfer - Intra-banking (BRD-BRD) and inter-banking (BRD-other Banks) payments in lei via online4
Bills payments at banking terminals (ATM/ ROBO/ POS)/ online4
1.5.2 Current account with basic services for invulnerable customers 3: LEI
Required operations for:
Account opening fee free
Account management fee 4.20 lei/ month
Account closure fee free
Cash deposits in lei, in the account, at the counter (Account Holder) free
Services that allow cash withdrawals from the account:
Cash withdrawals in lei at the counter free
Cash withdrawals in lei at BRD ATM’s4 free
Cash withdrawals in lei at ATMs of other Banks from Romania4 free
Cash withdrawals at ATMs of Banks abroad (foreign Banks)4 free

Note: Any other operation different from those mentioned in the table above shall be charged according to the fees mentioned in the present „Fees and commissions guide for Individuals”

1 The current account with basic services represents a regulatory product as provided by the Law no. 258/2017 granted on the Customer’s express request and on his statement on his own responsibility regarding the fact of not owning a payments
account on Romania’s territory. The Customer will be granted with the benefits provided by the Law concerning the current account with basic services, for which the Customer fits, based on the declared revenue/ income level
2 Financially vulnerable customers - customers whose monthly income does not exceed the equivalent of 60% of the gross average income per economy (below 3.257 lei as gross, at 01.01.2020), projected in the latest macroeconomic forecast,

i.e the autumn forecast, published by the National Prognosis Commission in 2019 for 2020, or whose income over tha past 6 months does not exceed the equivalent of 60% of the gross average income per economy
3 Financially invulnerable customers - customers whose monthly income exceeds the equivalent of 60% of the gross average income per economy (over 3.257 lei as gross, at 01.01.2020)
4 Attaching a debit card for cash withdrawals at ATM/ POS or for payments using the card, respectively attaching an online banking service to the current account with basic services (regardless of service’s type) shall be made for a fee, in accordance

with the in force „Fees and commissions guide for Individuals”

5 After the first 10 transactions, of the type mentioned in the table, the following payment operations shall be charged according to the fees mentioned in the „Fees and commissions guide for Individuals”

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

2. Products and services packages CARD LIKE CARD START LEI CARD START EUR CARD DE ZI CU ZI LEI CARD SENIOR
Products and services included for free     
Standard current account lei lei eur lei lei
Debit card  ISIC/ MAEUB VISA Standard MasterCard Standard MasterCard Standard/A Visa Standard
la Carte
Remote banking services mandatory in the package MyBRD Contact MyBRD Contact - MyBRD Contact MyBRD Contact
optional in the package MyBRD Net/ Mobile MyBRD Net/ Mobile MyBRD Net/ Mobile MyBRD Net/ Mobile MyBRD SMS, MyBRD Net/
Internet/Mobile banking Internet/Mobile banking Internet/Mobile banking Internet/Mobile banking Mobile Internet/Mobile
service  service service service banking service
Savings account (optional) - Atucont lei - Atucont lei Atucont lei
EasyInvest (optional) -     
Free operations included in the package/month
Cash withdrawals from BRD ATMs unlimited in lei unlimited in lei - unlimited in lei unlimited in lei
Cash withdrawals from BRD POSs - - 2 in eur - -
Cash withdrawals from ATM other banks from Romania - 2 in lei - unlimited in lei -
SMS Alerts - - - - 2
Credit transfer – Intrabanking incomings unlimited in lei unlimited in lei unlimited in eur unlimited in lei unlimited in lei
Credit transfer – Interbanking incomings 1 in lei unlimited in lei - unlimited in lei -
Credit transfer – Intrabanking payments via MyBRD Net internet
unlimited in lei unlimited in lei unlimited in eur unlimited in lei unlimited in lei
banking service/MyBRD Mobile mobile banking service
Credit transfer – Interbanking payments via MyBRD Net internet
- standard - 50% - unlimited in lei -
banking service/MyBRD Mobile mobile banking service
PIN changes at BRD ATM/Interogations of the last 10 authorized - - - -
unlimited
transactions at BRD ATMs 
Other Benefits
Savings account management fee - standard - 100% - standard - 100% standard - 100%
Loan file analysis fee1 standard - 20% - - standard - 50% standard - 20%
Annual management fee for Standard credit card2 standard - 100% standard - 100% - standard - 100% standard - 100%
Annual management fee for Gold credit card2 - - - standard - 100% -
Credit transfer – Interbanking payments in EUR to beneficiaries from 7 eur/operation over the
countries outside the single euro payment area - - counter & 5 eur/operation - -
via Internet/Mobile banking
Bonus over the interest rate of savings account & term deposits in According to the list of
- - - -
case of domiciliation of the monthly incomes in BRD current accounts interests rates in force
Insurance attached to the card, optional, one of the 2 options: Confort 6/8 usd/year (equiv. in 6/8 usd/year 6/8 usd/year (equiv. in 6/8 usd/year (equiv. in 6/8 usd/year (equiv. in
Mobile/Confort Mobile Plus3 account currency) (equiv. in account currency) account currency) account currency) account currency)
Monthly package maintenance fee
Without fulfilling recurrent income condition in BRD current account 0 lei/month 6 lei/month 3 eur/month 12 lei/month 3.9 lei/month
Fulfilling recurrent income condition in BRD current account 0 lei/month 0 lei/month4 3 eur/month 0 lei/month4 1.9 lei/month
Package closing fee 0 lei 0 lei 0 eur 0 lei 0 lei

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

Products and services packages CARD GOLD LEI CARD GOLD EUR CARD PLATINUM LEI
Products and services included for free   
Standard current account lei eur lei
Debit card  Mastercard/Visa Gold Mastercard Gold MasterCard Platinum with 4 Priority Pass
included
Remote banking services mandatory in the package MyBRD Contact MyBRD Contact MyBRD Contact

optional in the package MyBRD Net/ Mobile Internet/Mobile MyBRD Net/ Mobile Internet/Mobile MyBRD Net/ Mobile Internet/Mobile banking
banking service banking service service
Savings account (optional) Atucont lei - Atucont lei
EasyInvest (optional)   
Free operations included in the package/month
Cash withdrawals from BRD ATMs unlimited in lei unlimited in lei unlimited in lei
Cash withdrawals from BRD POSs unlimited in lei 2 in eur unlimited in lei
Cash withdrawals from ATM other banks from Romania unlimited in lei unlimited in lei/eur5 unlimited in lei
Cash withdrawals from ATM other banks from abroad 2 2 unlimited
Credit transfer – Intrabanking incomings unlimited in lei unlimited in eur unlimited in lei
Credit transfer – Interbanking incomings unlimited in lei - unlimited in lei
Credit transfer – Intrabanking payments via MyBRD Net/Mobile Internet/Mobile
unlimited in lei unlimited in eur unlimited in lei
banking service
Credit transfer – Interbanking payments via MyBRD Net/Mobile Internet/Mobile
unlimited in lei - unlimited in lei
banking service
PIN changes at ATM BRD/ Interogations of the last 10 authorized transactions at
unlimited unlimited unlimited
BRD ATMs
Other Benefits
Savings account management fee standard - 100% - standard - 100%
Loan file analysis fee1 standard - 50% - standard - 50%
Annual management fee for Standard credit card and Gold credit card2 standard - 100% standard - 100% standard - 100%
Annual management fee for A la Carte debit card standard - 30% - standard - 30%
MyBRD SMS service with 20 alerts included/month6 2 lei/ month - 2 lei/ month
Credit transfer – Interbanking payments in EUR to beneficiaries from countries 7 eur/operation over the counter & 5
- -
outside the single euro payment area eur/operation via Internet/Mobile banking
Insurance attached to the card (optional, one of the 2 options): Confort 6/8 usd/year 6/8 usd/year 6/8 usd/year
Mobile/Confort Mobile Plus3 (equiv. in account currency) (equiv. in account currency) (equiv. in account currency)
Travel insurance (free)   
BRDAV Avantaj 2 Clasic (free – only for the package owner)  - 
Monthly package maintenance fee
Without fulfilling recurrent income condition in BRD current account 20 lei/month 5 eur/month 50 lei/month
Fulfilling recurrent income condition in BRD current account 0 lei/month4 0 eur/month4 0 lei/month4
Package closing fee 0 lei 0 lei 0 lei

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

PREM1ER LEI PREM1ER EUR

Products and services included for free  
Standard current account - Support for the package (mandatory in the package) lei eur
- Supplementary (optional in the package) max. 2 accounts in lei max. 2 accounts in eur
- one principal card for the package owner (mandatory in the MasterCard Platinum with 4 Priority Pass MasterCard Platinum with 4 Priority Pass
Debit card  package) included included
- one supplementary card for the designated user appointed by MasterCard Platinum with 4 Priority Pass MasterCard Platinum with 4 Priority Pass
the owner included included
MyBRD remote banking mandatory in the package MyBRD Contact MyBRD Contact
services optional in the package MyBRD Net/MyBRD Mobile Internet/Mobile MyBRD Net/MyBRD Mobile Internet/Mobile
banking service  banking service 
Savings account (optional) Atucont lei Atucont eur
EasyInvest (optional)  
Free operations included in the package/month  
Cash withdrawals from BRD ATMs (principal card and designated card user) unlimited in lei unlimited in lei
Cash withdrawals from BRD POSs (principal card and designated card user) unlimited in lei unlimited in eur
Cash withdrawals from ATM other banks from Romania (principal card and designated card user) unlimited in lei unlimited in lei /eur5
Cash withdrawals from ATM other banks from abroad (principal card and designated card user) unlimited unlimited 
Credit transfer – Intrabanking incomings unlimited in lei unlimited in eur
Credit transfer - Interbanking incomings unlimited in lei unlimited in eur
Credit transfer – Intrabanking payments via MyBRD Net/Mobile Internet/Mobile banking service unlimited in lei unlimited in eur
Credit transfer – Interbanking payments via MyBRD Net/Mobile Internet/Mobile banking service unlimited in lei -
PIN changes at ATM BRD/ Interogations of the last 10 authorized transactions at BRD ATMs unlimited unlimited
Other Benefits  
Savings account management fee standard - 100% standard - 100%
Annual management fee for Platinum credit card standard - 100% standard - 100%
Credit transfer – Interbanking payments in EUR to beneficiaries from countries outside the single euro
- 7 eur/operation
payment area, ordered over the counter
Credit transfer – Interbanking payments in EUR to beneficiaries from countries outside the single
- 5 eur/operation
euro payment area, ordered via Internet/Mobile banking service
Insurances  
6 usd/year 6 usd/year
Confort Platinum insurance – only for the package owner7
(equiv. in account currency) (equiv. in account currency)
Travel insurance (free)  
Monthly package maintenance fee  
Without fulfilling recurrent income condition in BRD current account or holding assets in BRD Group 200 lei/month 50 eur/month
Fulfilling recurrent income condition in BRD current account or holding assets in BRD Group 0 lei/month4 0 lei/month4
Package closing fee 0 lei 0 lei

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

1 The discount applies for any type of credit (except for Prima Casă and the Card Like package, where the reduction applies only for consumer loans). The package owner benefits from this reduction regardless of the number of loans contracted during
the life of the package and regardless of the currency of the loan.
2The annual management fee of the credit card is free, during the period of ownership of the package by the holder, starting with the next payment date of the annual management fee charged on the anniversary date of the credit card
after the purchase of the package or at the first operation performed with the introduction of the PIN code.
3 Insurance component, in two alternatives, optional in the package. Only one of the two options can be chosen, at the moment of package opening. The preferential premium is perceived in the equivalent of the currency of the paying account, separate
from the monthly maintenance fee of the package. The package owner may benefit of the preferential prices for Confort premium granted in the package only for the card included in the package (package owner’s card).
4 The monthly package management fee is 0 (zero) lei/month, under the condition of: recurrent incomes encashments, for Card Start, Card de Zi cu Zi, Card Gold, Card Platinum packages/recurrent incomes encashments or holding assets in BRD

Group, for Prem1er package. Recurrent income means that income which fulfills all of the followings: (i) it comes from regular cash incomings: salaries, rents, pensions, allowances, scolarships or other regular types of incomes; (ii) is received in the
current accounts of the customer held at BRD; (iii) is at least: 1.000 lei/month for Card Start Lei package; 2.500 lei/month for Card de Zi cu Zi Lei package; 8.000 lei (or equivalent in account currency)/month for Card Gold package; 12.000 lei/month for
Card Platinum package; 150.000 EUR/year for Prem1er package. Amounts coming from loans granted by the Bank, deposits which reach maturity, credit transfers between own accounts are not considered regular income. Holding assets in BRD Group
(BRD Group: BRD – Groupe Société Générale S.A, BRD Asigurari de Viata SA, BRD Asset Management SAI SA.) means the balance which fulfills all of the followings: (i) is registered at the end of the month in current accounts, savings accounts, term
despoists and investment products (government and corporate securities, shares and other financial instruments listed on the capital markets, structured investments, investment funds and insurances with investment components); (ii) is at least:
200.000 EUR/month for Prem1er package. In case the condition of regular income encashment or assets holding in BRD Group conditions stated above are not fulfilled, the Bank will charge the package management fee as stated in the Taxes and
Fees Guide for Individuals in force. In this case, the client irrevocably and unconditionally authorizes the Bank to automatically deduct from the package account the value of the package management fee on the 20th of each month, for the previous
month in which no recurring revenue was received or assets holding condition in BRD Group was not fulfilled in the mentioned amount. In all cases, the customer will benefit from a grace period in the month when the package is activated and in the
following calendar month, in which the customer will not pay the package management fee regardless if the regular income condition or assets holding in BRD Group in the mentioned amounts is fulfilled or not. Starting with the 4th calendar month,
counting also the activation month, the Bank will verify, for the previous calendar month, the meeting of the recurrent income condition in the mentioned amounts, for the current accounts of the customer opened at BRD (except for Prem1er package,
for which the condition is verified for a period of 12 months previous the month when the condition is checked, respectively for the number of months from the date the Prem1er package was opened if this is smaller than 12 months) or assets holding in
BRD Group, in products held by the client at BRD, in the mentioned amounts. If the condition is not fulfilled, the Bank will charge the package management fee in force and will debit the package account based on the mentioned direct debit mandate.
It does not constitute a renunciation of the Bank to the right to receive this commission in the future situation in which this right was not exercised within a certain period, without retroactively charging the client costs.
5 The cash withdrawals in EUR from other banks’ ATMs in Romania are possible depending on the banks’ offer.
6 Optional service included in the package with special tariff, that is charged separate from the monthly package management fee.
7 The package owner may benefit of the preferential fees of the Confort premium granted in the package only for the card included in the package (package owner’s card). The preferential premium is charged in the equivalent of the paying account

currency, separated from the monthly package management fee.

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
1. into force starting with: 10.02.2020

2. 3. NON-CASH OPERATIONS1
3.1 CREDIT TRANSFERS - PAYMENTS Intrabanking circuit (BRD – BRD) Interbanking circuit (BRD - other banks)
LEI Counter Online* Counter Online*
Payments between accounts of the same client free - -
Payments between BRD clients free
7 lei/ operation - -
(including bills payment)
Interbanking payments - - 9 lei/ operation2 3.5 lei/ operation2
Urgent payments - - 9 lei/ operation3 -
External payments to beneficiaries from countries
belonging to the single euro payments area - - 9 lei/ operation 3.5 lei/ operation
4

External payments to beneficiaries from countries 0.20% min. 20 eur, max. 1.000 eur + 0.15% min. 10 eur, max. 25 eur +
- -
outside single euro payment area 4 ReGIS (BNR) fee ReGIS (BNR) fee
FOREIGN CURRENCY Counter Online* Counter Online*
EUR
Payments between accounts of the same client free - -
Payments between BRD clients 2 eur/ operation free - -
Payments in EUR to beneficiaries from countries - -
9 lei/ operation 3.5 lei/ operation
belonging to the single euro payment area 4
Payments in EUR to beneficiaries from countries
- - 0.20% min. 20 eur, max. 1.000 eur 0.15% min. 10 eur, max. 25 eur
outside the single euro payment area 4
OTHER CURRENCIES
Payments between accounts of the same client free - -
Payments between BRD clients 2 eur/ operation free - -
Interbanking payments - - 0.20% min. 20 eur, max. 1.000 eur 0.15% min. 10 eur, max. 25 eur
External fee ("OUR" payments only)5 - payments
- 20 eur 10 eur
outside the EU/ EEA6, regardless of the currency
Urgency fee (currency date: today) - 30 eur/ operation
20 eur + SWIFT charges
Payment modifications/ cancellation - -
25 eur + SWIFT charges
Investigations up to 6 months - -
50 eur + SWIFT charges
Investigations over 6 months - -
SWIFT charges
- free

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

3.2 CREDIT TRANSFERS - INCOMINGS Intrabanking circuit (BRD – BRD) Interbanking circuit (other banks – BRD)
LEI
Incomings free 4 lei/ operation
FOREIGN CURRENCY
Incomings free free
IBAN code repairs (erroneous IBAN) - 7 eur
Incoming modifications/ cancellations - 20 eur + SWIFT charges
Investigations up to 6 months - 25 eur + SWIFT charges
Investigations over 6 months - 50 eur + SWIFT charges
Swift charges - 15 eur
* MyBRD Net Internet banking service/ MyBRD Mobile Mobile banking service

1 If the transaction/fee currency is different than the currency of the debited account, the Bank will exchange the sum into the debited account currency at the Bank’s exchange rate from the date the transaction was performed; 2 Includes the
SENT (TRANSFOND) fee of 0.51 lei for low-value interbank payments (< 50.000 lei) , respectively the ReGIS (NBR) fee of 6 lei for high-value payments(≥ 50.000 lei). Payments made from the escrow account into the current account, will be
charged from the current account; 3 Includes the ReGIS (NBR) fee of 6 lei;4 The list of the countries included in SEPA zone (Single Euro Payments Area) may be consulted at https://www.europeanpaymentscouncil.eu; 5The external fee shall
be added to the payment fee and is valid only in case BRD determines the payment banking channel. In case the customer determines the payment banking channel, the external fee might amount to max. 300 eur; 6 Countries belonging to the
EU/ EEA: Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Denmark, Germany, Estonia, Greece, Spain, Finland, France, Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, the Netherlands, Poland, Portugal, Romania,
Sweden, Slovenia, Slovakia, Great Britain, Iceland, Liechtenstein, Norway, Switzerland
Note: for bills payments at the BRD counter through payment order, in certain situations the charged commission to the payer will be smaller depending on the derogatory conditions or on the contract concluded between
the Beneficiary and BRD; in certain situations, the charged commission may have a different value depending on the contract conclued between the Beneficiary and BRD

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020
Intrabanking circuit Interbanking circuit
(BRD – BRD) (BRD – other banks)
4. Remote banking services
Standing order1
MyBRD SMS
Counter Online* Counter Online*
MyBRD SMS attached to current
0.30 eur/ operation -
account/ economy account and
Lei (equiv. in the account - -
Platinum credit card
currency)
Management 2 lei/ month
Simplis Debit Direct
Counter Online* Counter Online* Received message 0.90 lei/ message6
Debit2
Mini-statement 0.90 lei (equiv. in the account currency )
free (exception < 200 : 1.5 lei/ operation
mandates set in favour MyBRD SMS attached to Standard/ Free7
[200 - 50.000 lei]: 3 lei/
Lei of SC Electrica - - Gold credit cards with installments
operation
Furnizare SA:1.5 MyBRD Mobile Mobile banking service
lei/operation) >50.000 lei: 5 lei/ operation Management 4.5 lei/ month
Documentary payment orders (conditioned)3 Use of USSD 0.5 lei/ month
Commission for endorsement of received MyBRD Net Internet banking service
payment order 0.10%, min. 50 eur, max. 1.000 eur (or equivalent in operation currency) Management 4.5 lei/ month
Commission for issued payment order 0.15%, min. 50 eur, max. 1.500 eur (or equivalent in operation currency) Acquisition/replacement of Digipass
Documents handling 0.10%, min. 50 eur, max. 1.500 eur (or equivalent in operation currency) MyBRD Net Internet banking service 20 lei + VAT
Commission for payment of issued payment Management of MyBRD Net Internet
order 0.20%, min. 10 eur, max. 1.000 eur (or equivalent in operation currency) banking service along with MyBRD 6 lei/ month
Cheques4 Mobile Mobile banking service
Cash payment of travellers cheques 1.50%, min. 3 eur/ operation ≤ 200 lei: 5 lei/ operation
Payments to a phone number
Checks returned as unpaid by external banks 10 eur + external Bank fee (200 - 500] lei: 10 lei/ operation
(MyBRD Net Internet banking
Issue of cheques drawn on SG 0.15%, min. 6 eur (500 - 1.000] lei: 15 lei/ operation
service, MyBRD Mobile Mobile
Cheque investigations 5 eur + external Bank fee (1.000- 3.000] lei: 30 lei/ operation
banking service)
Remittance upon collection of bank cheques (3.000- 5.000] lei: 50 lei/ operation
0 - 500 eur (or equiv.) 3 eur/ cheque note MyBRD Contact Call Center service
501 - 1.000 eur (or equiv.) 6 eur/ cheque note Management free
over 1.000 eur (or equiv.) 0.50%, min. 10 eur/ cheque note
Incomings and payments5 - debit electronically compensated on paper compensated
instruments (cheques and (lei) (lei)
promissory notes) in lei
≤ 500 lei 4 lei/ operation 8 lei/ operation
(500 - 50.000) lei 8 lei/ operation 16 lei/ operation
≥ 50.000 lei 11 lei/ operation 22 lei/ operation
Intrabanking circuit Interbanking circuit
Incomings in escrow accounts (BRD – BRD) (other banks – BRD)
Counter/Online* Counter/Online*
Lei free free
* MyBRD Net Internet banking service/ MyBRD Mobile Mobile banking service

1Starting with 07.01.2013, the standing order service between two accounts of the same customer (BRD current accounts/ BRD savings accounts) is free of charge. For customers who opted for this service before 07.01.2013, the standard
fee of 0.30 eur/ operation shall be charged; 2The SENT (TRANSFOND) fee for direct debit instructions in the interbanking system is supported by the payee; 3For every suboperation made within documentary payment order (endorsement,
issue, payment, etc.), minimum 1 SWIFT message will be send/ retained; 4To be eliminated starting from 01st of March 2019; 5Includes the fee of 0.88 lei charged by SENT (TRANSFOND) for incomings; SENT (TRANSFOND) 10 does not
charge fee for payments; 6Free for the Platinum credit card, 7 The cost of MyBRD SMS subscription and SMS’s sent by the Bank is 0.
 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

5. Debit card - current offer

Debit cards LEI FOREIGN CURRENCY
Fees for operations related to cards Youth Electronics Standard Transport A la Carte Gold Platinum Standard Gold Platinum
Card providing free free free free free free free free free free
Card renewal free free free free free free free free free free
12 usd /
Annual maintenance/ card 10 lei 14 lei 20 lei 25 lei 50 lei 200 lei 450 lei 70 eur 110 eur
12 eur
12 usd /
Card replacement in Romania 10 lei 14 lei 20 lei 25 lei 50 lei free free free free
12 eur
225 usd 225 usd 225 usd 225 usd
Visa Visa Visa Visa
Card replacement abroad (emergency) n/a n/a 148 usd 148 usd 148 usd 148 usd
148 usd 148 usd 148 usd 148 usd
Mastercard Mastercard Mastercard Mastercard
3.5 usd /
PIN regeneration 10 lei free 2.5 eur free
2.5 eur
10 usd /
Unreasonable refusal to pay 6 lei 10 eur 10 eur
10 eur
Business Lounge access in partner airports
n/a n/a n/a n/a n/a free free n/a free free
(Cluj andTimişoara)
Business Lounge access via the Priority Pass 30 usd/ access/ 30 usd/ access
n/a n/a n/a n/a n/a n/a n/a n/a
programme pers /pers
3DSecure activation free free free free free free free free free free
Debit cards in lei Debit cards in foreign currency
Youth: BRD – ISIC, Sprint Standard: Visa Standard in usd, Mastercard
Electronics: Maestro, Visa Electron Standard in eur
Standard: Visa Standard, Mastercard Standard Gold: Mastercard Gold in eur
Transport: Mastercard Standard Transport RATB Platinum: Platinum in eur
A la Carte: Mastercard “A la Carte” , Visa “A la Carte”
Gold: Mastercard Gold, Visa Gold
Platinum: Platinum Debit

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Fees and Commissions Guide
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Debit card - current offer

LEI FOREIGN CURRENCY
Fees for ATM/POS transactions Youth Electronics Standard Transport A la Carte Gold Platinum Standard Gold Platinum
Cash withdrawals
0.2%, min.0.9 Lei
ATM BRD 0.2%, min.0.9 lei 1% 1%
(echiv usd/ eur)
0.5%, min.3 eur
Counter POS BRD 0.5%, min.5 lei 1% 1%
(echiv. usd)
ATM/POS other banks from Romania 1% + 5 lei 1% + 5 lei
ATM/POS, in EUR, other banks from
1% +5 lei 1% +5 lei
European Union
ATM/POS, in other currencies, other banks
1.5% +10 lei 1.5% + 3 usd / 1.5% + 3 eur
from abroad
150 eur
POS other banks from abroad - 150 eur (Visa) Visa
95 usd 75 eur 95 usd
emergency 75 eur (Mastercard) 75 eur
Mastercard
Balance inquiry
ATM/ POS/ ROBO BRD free free free free free free free free free free
1 eur 1 eur
ATM other banks from Romania*/ abroad 2 lei 0.50 eur
(in account currency) ( in account currency)
Other operations
Use of POS at retailers for making
payments - including e-Commerce
free free free free free free free free free free
(purchase of goods and services, including
online)
Bill payments at ATM/ ROBO/ POS/ online free free free free free free free free free free
0.50 eur
List of the last 10 ATM operations 0.50 eur (in account currency) free free
(in account currency)
PIN change at ATM BRD 2 lei free 0.50 eur / 0.70 usd free
PIN change at other banks ATM from
2 lei free 0.50 eur free
Romania (only MasterCard)
Debit cards in lei Debit cards in foreign currency
Youth: BRD – ISIC, Sprint Standard: Visa Standard in usd, Mastercard
Electronics: Maestro, Visa Electron Standard in eur
Standard: Visa Standard, Mastercard Standard Gold: Mastercard Gold in eur
Transport: Mastercard Standard Transport RATB Platinum: Platinum in eur
A la Carte: Mastercard “A la Carte” , Visa “A la Carte”
Gold: Mastercard Gold, Visa Gold
Platinum: Platinum Debit

*exception: the balance inquiry at the ATM is free under the conventions Beneficii Plus Dedicat and for the BRD Capital Markets accounts for which the Holder owns at least one account opened within BRD

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

6. Credit cards - current offer

FEES FOR OPERATIONS RELATED TO CARDS Standard Credit Card with Gold Credit Card
installments with installments Platinum Credit Card
Card providing free free free
Card renewal free free free
Annual maintenance 50 lei 150 lei 450 lei
Annual maintenance supplementary card free free 450 lei
Card replacement 15 lei 15 lei free
Emergency card replacement abroad 150 eur (lei equiv.) 150 eur (lei equiv.) 148 usd
PIN regeneration 12 lei 12 lei free
Unjustified chargeback request 30 lei 30 lei 6 lei
Account statement issuing - online through MyBRD Net Internet banking service free free free (first acc.statement)
Account statement sent through mail 4 lei 4 lei 3 lei
Credit line related fees
File processing fee (credit line approval or credit line increase) free free 200 lei
Unique commission for additional services requested by the customer 50 eur (lei equiv.) 50 eur (lei equiv.) 50 eur (lei equiv.)
ATM/ POS usage related fees
Cash withdrawals
ATM BRD/ ATM local banks/ ATM banks from abroad free free free
POS BRD/ POS local banks/ POS banks from abroad free free free
Emergency cash withdrawal abroad 150 eur (lei equiv.) 150 eur (lei equiv.) 95 usd
Balance inquiry
MyBRD Contact/ ATM BRD/ POS BRD free free free
MyBRD SMS n/a n/a free
ATM other banks free free 2 lei
Other operations
POS payments, including online free free free
Invoice payments at ATM/ POS/ ROBO/ online free free free
List of the last 10 operations issued at ATM 1 leu 1 leu free
PIN change at BRD ATM/ other banks ATM free free free
Business lounge access in partner airopors (Cluj and Timisoara) n/a free free
Business lounge access (Priority Pass Program) n/a n/a 30 usd/ entrance/ pers
3DSecure service activation free free free

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into force starting with: 10.02.2020

7. Loans
1. LOAN REVIEW1 2. LOAN MANGEMENT2
A. Consumer loans lei foreign A. Consumer loans lei foreign currency
currency a. Personal loans without object
a. Personal loans without object Expresso/ Expresso ReStart free -
Expresso/ Expresso ReStart 200 lei - 0.40%/
Multiplan Loan 200 lei 50 eur Multiplan Loan month 0.40%/ month
Expresso NonStop/ Expresso NonStop Restart 650 lei - Expresso NonStop/ Expresso NonStop ReStart free -
b. Credit lines b. Credit lines
Individual/ ReStart Overdraft 20 lei 5 eur/ 5 usd Individual/ ReStart Overdarft free free
Platinum/ Platinum ReStart Overdraft 200 lei 50 eur Platinum/ Platinum ReStart Overdaft free free
c. Loans for studies/ students c. Loans for studies/ students
Loan 10 100 lei - Loan 10 0.32%/month -
Loan for studies 100 lei 25 eur / 25 usd Loan for studies 0.32%/month 0.32%/ month
Work &Travel loan - 40 eur / 40 usd Work &Travel loan - free
d. Loans for medical purposes d. Loans for medical purposes
Loan for medical purposes 100 lei 25 eur Loan for medical purposes 0.40%/month 0.40%/ month
e. Car purchase loans e. Car purchase loans
First Car free - First Car free -
f. Loans secured by frozen amounts in the account f. Loans secured by frozen amounts in the account
Loan for temporary needs 20 lei 5 eur/ 5 usd Loan for temporary needs 30 lei/ month 5 eur/ 5 usd/month
Individual Overdraft with frozen amounts in the account 20 lei 5 eur/ 5 usd Individual Overdraft with frozen amounts in the account free free
Platinum Overdraft with frozen amounts in the account 200 lei 50 eur Platinum Overdraft with frozen amounts in the account free free
B. Loans for Real Estate investments B. Loans for Real Estate investments
Habitat/ Habitat ReStart mortgage loan 650 lei 200 eur3 Habitat/ Habitat ReStart mortgage loan free free
Habitat loan with simplified documentation4 650 lei - Habitat loan with simplified documentation free -
„La Casa Mea” mortgage loan5 650 lei - „La Casa Mea” mortgage loan free -
„First House” mortgage loan free - „First House” mortgage loan free -

1The file review fee is reduced by: 20% for customers who hold or contract one of the following packages: CLASIC, SELECT, PREMIUM, DRUM BUN, e-CLICK, CARD SENIOR, SPRINT PE+, CARD LIKE (in case of CARD LIKE package, the
discount is applied only for consumer loans), or hold Credit Expresso; or by 50% for customers who hold or contract one of the following packages: CARD ZI CU ZI, CARD GOLD in lei, CARD PLATINUM.
The Habitat mortgage loan with simplified documentation is granted for completion / extension / modernization / rehabilitation / consolidation / improvement of the comfort of the home / increase of value, of the standard, of the quality of the house
/other house improvements.2 The loan management fee is applied to the loan balance
3 Habitat/ Habitat ReStart in EUR mortgage loan in granted only to clients with the income in eur, if they receive it or will receive it in the BRD account for the whole period of the loan
4„La Casa Mea” motgage loan is granted only to clients that already receive or will receive their income in the BRD account for the whole period of the loan

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into force starting with: 10.02.2020

3. EARLY REPAYMENT lei foreign currency

a. Loans with floating interest rate free
b. Loans with fixed interest rate*
 if the period between the early repayment and the agreed date of termination of the loan agreement is more than 1 year 1%
 if the period between the early repayment and the agreed date of termination of the loan agreement is less than 1 year 0.5%
c. Loans with fixed introductory interest rate, after floating free
* For secured loans (real estate mortgage) granted starting with 30.09.2016, the early repayment is free of charge
4. OTHER FEES FOR THE LENDING ACTIVITY
Provision of the loan free
Credit line renewal/ increase :
Individual Overdraft (including Overdraft with frozen amounts in the account)/ ReStart 20 lei 5 eur / 5 usd
Platinum Overdraft ( including Overdraft with frozen amounts in the account)/ Platinum ReStart 200 lei 50 eur
Single fee for additional services provided upon the Customer’s request during the loan agreement 50 eur (equivalent in the loan currency)
Management fee owed to FNGCIMM (National Loan Guarantee Fund for SMEs) for First House mortgage loan 0.40%/ year, calculated with reference to the value of the guarantee

Single review fee for obtaining the guarantee promise from FNGCIMM, for Prima Casa 0.15% from the value of the unilateral loan promise
0.40%/ an, calculated with reference to the value of the guarantee
Management fee due to FNGCIMM for First Car loan
Evaluation cost (including VAT):
Apartment 370 lei (equivalent in the loan currency)
House 470 lei (equivalent in the loan currency)
Land 400 lei (equivalent in the loan currency))
Other type of real estate 400 – 3.000 lei (equivalent in the loan currency)
Future building – initial evaluation 600 lei (equivalent in the loan currency)
Future building – intermediary evaluation 300 lei (equivalent in the loan currency)
Future building – final evaluation 300 lei (equivalent in the loan currency)
Note: If you choose the valuation realized by the Bank, the valuation cost is fully paid by the Bank (except for First House loans)
RNPM registration fees according to the authorised agreed operator
Conditional payment order charched for refinancing exposure from other banks (except for overdrafts, credit cards) 20 lei (equivalent in the loan currency)/ operation
5. GUARANTEES
Drafting agreements of security in personal and real property for authentication with the Notary Office/ registration with the
free
Land Register or RNPM

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into force starting with: 10.02.2020

8. Savings and investments

Savings products Term deposits* Savings accounts** Savings accounts for children***
Account opening free free free
Management fee free 0.80 eur/ month/ account (in currency equivalent) 0.80 eur/ month/ account (in currency equivalent)
Account closure/ Deposit liquidation free, through transfer in the current 30 lei/ 10 eur/ 10 usd 30 lei/ 10 eur/ 10 usd
account (depending on the account’s currency) (depending on the account’s currency)
Interests transfer from the deposit account into
free - -
the current account
Cash deposits free
Cash withdrawals at the cash desk lei: 0.50% min. 5 lei
foreign currency: 0.50%, min. 3 eur or equivalent
Credit transfer - Incomings in the savings accounts n/a free
Inheritance commission* 0 lei/ eur/ usd
* term deposits, Progresso deposit ** Atucont *** Atustart, Atusprint
Note: SmartCont account is no longer available starting with 31.08.2015
Account opening/ closure/ management fee: free
Inheritance commission: 1% max. 100 eur/ 100 usd/ 450 lei
* commission modified starting with 17.11.2017

BRD Simfonia BRD Obligaţiuni BRD Diverso BRD Acţiuni BRD Index
BRD Euro Fond
Investment funds (former Simfonia 1) (former Concerto) (former Diverso (former Acţiuni Europa (former Index
BRD USD Fond
Europa Regional) Regional) Europa Regional)
Account opening/ free
Subscription/ Redemption
Cash withdrawals at the cash 0.50%, min. 5 lei/ min. 3 eur (in currency equivalent)
desk

Stejar (product in stock)

Premium payments/ Credit transfer - Incomings free
in the current account related to Stejar
operations (redemption, compensation, etc)
Cash withdrawals at the counter 0.50%, min. 5 lei

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 PRIVATE INDIVIDUALS

Fees and Commissions Guide

into force starting with: 10.02.2020
9. Insurances
Confort Insurance
the insured is the card account holder or an the insured is the authorised holder
within the product packages
annual insurance premium authorised holder, other than the spouse (spouse)
for cards in for cards in for cards in for cards in
for cards in eur for cards in eur
lei/ usd lei/ usd lei/ usd lei/ usd
Confort insurance attached to the equiv. in RON of 6 usd/ year
PLATINUM card equiv. in lei of 8 usd/ 8 eur/ year equiv. in lei of 6 6 eur/ year within the product packages AZI PE+ PLATINUM for holders’
year usd/ year cards
7 usd/ year
(or equiv. in lei for 7 eur/ year 6 usd/ year 6 eur/ year
Confort Mobile insurance attached to
cards in lei) n/a (or equiv. in lei for cards in lei)
debit cards
the insured is the card account holder for CLASIC, SELECT, DRUM BUN, CARD LIKE, CARD
SENIOR and CARD GOLD packages/ for holders’ cards
Confort Mobile Plus insurance attached 10 usd/ year 10 eur/ year 8 usd/ year 8 eur/ year
to debit cards (or equiv. in lei) n/a (or equiv. in lei for cards in lei)
the insured is the card account holder for CLASIC, SELECT, DRUM BUN, CARD LIKE, CARD
SENIOR and CARD GOLD packages/ for holders’ cards

BRDAV Life Insurance attached to loans

Unsecured consumer loans (multi-purpose personal loans, loans for studies, for medical purposes, for real
estate investment, rescheduling and refinancing):
Standard case Premium rate: 0.090%/ month (applied to the loan balance as at the time of payment)
Specific quotation case - affirmative answer to questions 2a, 2c or 3 of the Medical Questionnaire Premium rate: 0.094%/ month (applied to the loan balance as at the time of payment)
Specific quotation case - affirmative answer to question 5 of the Medical Questionnaire - physical, locomotive or Premium rate: 0.124%/ month
sensory disability (excluding mental disabilities) (applied to the loan balance as at the time of payment)
CumVreiTu credit card and Platinum credit card Premium rate: 0.13%/ month (applied to the value of the used line of credit)
Standard credit card and Gold credit card with installments Premium rate: 0.40%/ month (applied to the daily value of the used line of credit)
Individual Overdraft for individuals (except Platinum) Premium rate: 0.071% /month (applied to the value of the used line of credit)
Platinum Overdraft for individuals Premium rate: 0.13%/ month (applied to the value of the used line of credit)
Loans for mortgage secured real estate investment - standard case/ Mortgage secured consumer loans Premium rate: 0.045%/ month (applied to the loan balance as at the time of payment)
GROUPAMA Insurances
Fire insurance with PAD franchise - buildings with housing purpose:
residential buildings built after 1941 0.09% / year
residential buildings built before 1940 (inclusive) 0.13% / year
45 lei/ year
Travel insurance for trips abroad for holders of Standard credit cards with installments

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into force starting with: 10.02.2020

10. Other services

1. Payment incidents Rate/ fee
Inquiry of the Payment Incidents Services (CIP) database
upon customer’s request
for each application sent through the headquarters 6 lei + VAT
for each application sent through the subunits 7 lei + VAT
2. Good standing letters (recommendation)/ solvency certificates
Good standing letter issuing (recommendation) 8.46 eur (in lei equivalent) + VAT
Solvency certificate issuing (for ANL mortgage loans) 33.60 eur (in lei equivalent) + VAT
3. Rental of safe deposit boxes*
Type 1 box 1.50%/ year, min. 44.4 lei / month + VAT
Type 2 box 1.50%/ year, min. 56.5 lei / month + VAT
Type 3 box 1.50%/ year, min. 68.6 lei / month + VAT
Type 4 box 1.50%/ year, min. 80.7 lei / month + VAT
Type 5 box 1.50%/ year, min. 112.9 lei / month + VAT
Type 6 box 1.50%/ year, min. 225.8 lei / month + VAT
Type 7 box 1.50%/ year, min. 362.9 lei / month + VAT
Type 8 box 1.50%/ year, min. 544.4 lei / month + VAT
4. Sent messages
poste: special courier as per DHL charges + VAT
poste: registered letter as per postal charges + VAT
5. Currency exchange operations free
6. Other services
Bills payments at the counter** 0.60%, min. 2 lei
Bills payment in cash/ card using the APT/ MBA machines free
Banknotes authenticiy check (lei, foreign exchange) at 1 eur/ banknote (in lei equivalent)
customer ‘s request
Incoming and conservation of valuable objects and
securities 1%/ year, min.25 eur/ month + VAT
Inheritance commission*** 0 lei/ eur/ usd
Bank forms issuing free
Issuing copies of documents and bank forms, upon the 1 eur/ page
customer’s request (also charged for certificates issuing) (in lei equivalent) + VAT
* shall be charged at the declared value, in lei equivalent
** in certain situations, the fee charged to the payer for paying bills at the counter may have a different value depending on the contract
concluded between the Beneficiary and BRD; in the case of bills payment via credit transfer - intrabank payment at the counter, in
some cases, the fee charged to the payer may have a different value depending on the derogatory conditions or on the contract
concluded between the Beneficiary and BRD
*** commission modified starting with 17.11.2017

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into force starting with: 10.02.2020

Appendix no. 1: BRD INTERNAL TIME LIMITS FOR THE RECEIPT OF PAYMENT ORDERS FOR
EXECUTION PURPOSES

 Credit transfer - Domestic payments1 Payment orders

Time limit for the receipt of the Date of registration in Date of crediting the
payment order the paying customer’s beneficiary Customer’s
account account
Interbanking
low value* no later than 11:00 T T
(value  49.999,99 lei) 11:00  18:00 as per the working T T+1
hours of the Bank’s units
high value* no later than 13:00 T T
(value  50.000,00 lei) 13:00  18:00 as per the working T T+1
hours of the Bank’s units
Emergency * no later than 13:00 T T
(regardless of the value) 13:00  18:00 as per the working T T+1
hours of the Bank’s units
Intrabanking
accounts of the same customer as per the working hours of the T T
Bank’s units
accounts of different customers no later than 18:00 as per the working T T
hours of the Bank’s units
* made to a commercial bank participanting in the national payment system
Note:
 T is the date of receipt of the payment order by the Bank.
 The inter-bank or intra-bank payment orders between different customers accounts received after 18:00 or on non-bank working days (weekends, legal holidays) according to the Bank's
working program will be considered received on the next banking business day, regardless of their receipt time.
 The information above is valid for both payment orders on paper and payment orders made through remote banking channels.

 Credit transfer - Foreign payments2 Payment orders on paper

Time limit for the receipt Date of execution Foreign currency
of the payment instruction date
Interbanking: Normal settlement
EUR/ LEI * no later than 13:30 T T+1
EUR/ LEI * 13:30  18:00 as per the working hours
T+1 T+2
of the Bank’s units
AUD/ CAD/ CHF/ DKK/ PLN/ CZK/ no later than 13:30 T T+2

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GBP/ JPY/ NOK/ SEK/ HUF /USD

AUD/ CAD/ CHF/ DKK/ PLN/ CZK/ 13:30  18:00 as per the working hours
T+1 T+3
GBP/ JPY/ NOK/ SEK/ HUF /USD of the Bank’s units
Interbanking: Emergency
EUR/ USD/ GBP/ LEI * no later than 11:30 T T
EUR/ USD/ GBP/ LEI * 11:30  18:00 as per the working hours
T T+1
of the Bank’s units
AUD / CAD/ CHF/ DKK/ PLN/ CZK/
no later than 13:30 T T+2
JPY/ NOK/ SEK/ HUF
AUD/ CAD/ CHF/ DKK/ PLN/ CZK/ 13:30  18:00 as per the working hours
T T+3
JPY/ NOK/ SEK /HUF of the Bank’s units
Intrabanking: all currencies
accounts of the same customer as per the working hours of the Bank’s T T
units
accounts of different customers no later 16:30 T T
* it applies only to credit transfers in RON to payees holding accounts opened with banks abroad

Notes:
 T is the date of receipt of the operation by the Bank.
 Inter-bank payment orders received after 18:00 or on non-bank working days (weekends, legal holidays) according to the Bank's work program
will be considered received on the next banking business day, regardless of the time of their reception.
 Intra-bank payment orders between different customers accounts received after 16:30 or on non-banking working days (weekends, legal holidays) according to the Bank's working schedule
will be considered received on the next banking business day, regardless of their receipt time.

Cash operations Internal time limit for receipt Execution date Foreign currency date

Deposits/ Withdrawals in lei/ foreign as per the working hours of the Bank’s T T
currency units
Note: T is the date of receipt of the operation by the Bank
1 Credit transfer - Domestic payments are payment operations in lei performed across Romania
2 Credit transfer - Foreign payments are payment operations in foreign currency (performed abroad or across Romania), and payment operations in lei

performed abroad

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
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Appendix no. 2: BRD INTERNAL LIMIT HOURS TO RECEIVE DEBIT INSTRUMENTS (DI) IN LEI
(CHECKS, BILLS OF EXCHANGE, PROMISSORY NOTE) IN ORDER
TO EXECUTE THEM AT THE PAYMENT SYSTEMS INTRA / INTERBANKING

Settlement system Deadline for receiving DIs Date of Data of crediting the
transmission to beneficiary of the account /
the payer's bank notification of beneficiary
regarding the refusal to pay

1. Interbanking– electronic system of compensation SENT:

T* / No later than 14:00** T T+2
T ora 14:00** ÷ end of business hours T+1 T+3
2. Interbanking – system of compensation for debit instruments on paper:
T* No later than 14:00** T+4 T + 10
T / 14:00** ÷ end of business hours T+5 T + 11
3. Intrabanking:
T No later than 14:00* N/A T
T / 14:00** ÷ end of business hours N/A T+1

Note:
* T is the date of receipt of the operation by the Bank.
** For BRD SMC clients the maximum time for reception is 13:00
Debit instruments intra / interbanking in Lei submitted for collection/ received to be executed:
The original debit instruments refused to be paid in intra / interbanking system will be raised from BRD branch where they have been submitted to collection. In case of issuance of debit
instruments, BRD payer Client must ensure the necessarey amount for execution at the date of issue (in case of checks) and the expiration date (in the case of bills of exchange and promissory
notes), since the beginning of the working day.

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into force starting with: 10.02.2020

Annex no. 3 – Packages of products and services – out of offer

Components of package ranges SPRINT STUDENT
SENIOR PE+
EURO PE+ AZI PE+ AZI PE+
(withdrawn from the Bank’s offer starting 17.01.2020) PE+ PE+ GOLD PLATINUM
Products and services included      
Current account  lei  lei  lei  eur  lei  lei
Debit card  Sprint lei  ISIC/  MasterCard/ Visa Standard  MasterCard  MasterCard Visa  MasterCard Platinum
MAEUB lei lei Standard eur Gold lei lei
 Contact  Contact, SMS, -  Contact, MyBRD Net Contact, MyBRD
 MyBRD Net Internet MyBRD Net Internet banking  Internet banking Net Internet banking
MyBRD remote banking services banking service, MyBRD Mobile service, MyBRD Mobile service, MyBRD Mobile service, MyBRD Mobile
Mobile banking service (optional) Mobile banking service Mobile banking service Mobile banking service
Travel insurance1 - - - -  
Avantaj 2 Hospitalization insurance2 - - - -  Clasic  Clasic
Savings account - -  lei -  lei  lei
Free operations/ month     
Cash withdrawals in lei at BRD ATMs/ Balance inquires at BRD ATMs  unlimited  unlimited  unlimited -  unlimited  unlimited
Cash withdrawals in lei at BRD POS - - - -  unlimited  unlimited
Cash withdrawals in eur at BRD POS - - -  2 - -
Credit transfer - Intra-banking payments in lei via MyBRD Net Internet  unlimited  unlimited  unlimited  unlimited  unlimited
banking service/ MyBRD Mobile Mobile banking service -
Credit transfer - Inter-banking payments in lei via MyBRD Net Internet  unlimited  unlimited
banking service/ MyBRD Mobile Mobile banking service - - - -
Credit transfer - Intra-banking incomings in lei and foreign currency  unlimited  unlimited  unlimited  unlimited  unlimited  unlimited
Credit transfer - Inter-banking incomings in lei  1  1 - -  unlimited  unlimited
SMS alerts for crediting of the current account with amounts >= 500 lei/ - - 2 -
 unlimited  unlimited
month 
PIN changes at BRD ATMs/ Interogations of the last 10 authorized - - - -
 unlimited  unlimited
transactions at BRD ATMs
Other discounts
Loan file analysis fee - standard - 20% standard - 20% - standard - 50% standard - 50%
Annual maintenance fee for the Standard Credit card with installements - - - - FREE the 1st year FREE the 1st year
“À la carte” debit card annual maintenance fee - - - - standard - 30% standard - 30%
MyBRD SMS service with 20 alerts included/ month3 - - - - 2 lei/ month 2 lei/ month
Insurance attached to the debit card, as optional, one of the three - 6 / 8 usd/ year 6 / 8 usd/ year - 6/ 8 usd/ year 6 usd/ year (only Confort
alternatives: Confort Platinum/ Confort Mobile/ Confort Mobile Plus4 insurance)
Bonus over the interest rate of term deposits in lei in case of domiciliation of - - standard +0.05% - - -
the monthly incomes in BRD current accounts
Bonus over the interest rate of savings accounts in lei in case of domiciliation - - standard + 0.15% - - -
of the monthly incomes in BRD current accounts
Package management commission per month
Without fulfilling recurrent income condition in BRD current account 3.9 lei/month 20 lei/month 50 lei/month
Fulfilling recurrent income condition in BRD current account 0 lei/month 1.9 lei/month 3 eur/month 0 lei/month5 0 lei/month5

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

Components of package ranges CLASIC SELECT DRUM BUN

(withdrawn from the Bank’s offer starting 17.01.2020) LEI EUR LEI EUR EUR
Products and services included
Current account          
Debit card  Maestro, Visa/  Mastercard Standard/ Transport, Visa  Mastercard Standard  Mastercard
Mastercard A la  Mastercard Clasic, Visa / Mastercard A la Carte  Standard
Carte Standard  
Call Center service MyBRD Contact      
Avantaj 2 Hospitalization insurance2  Clasic  Clasic/ Plus -
Insurance attached to the debit card (mandatory in the 1st year), one of   6/ 8
the two alternatives: Confort Mobile/ Confort Mobile Plus4  6/ 8 eur/ usd /year  6/ 8 eur/ usd/ year eur/year

Optional products and services (included): 
MyBRD Net Internet banking service + MyBRD Mobile Mobile banking  
service + MyBRD SMS  
Free operations/ month
Cash withdrawals in lei at BRD ATMs  1  3  2
Balance inquiries at BRD ATMs/ Credit transfers - Intra-banking
incomings in lei and foreign currency/ Credit transfers - Intra-banking
payments in lei via MyBRD Net Internet banking service/ MyBRD Mobile  unlimited  unlimited unlimited
Mobile banking service   
Other discounts
Debit card annual maintenance fee6/ Loan file analysis fee (exception Prima Casa and car loans granted through the network of authorized dealers Dacia/ Renault/ Nissan)/ Overdraft analysis fee
normal option standard - 20% standard - 20% standard - 20%
LOIAL option standard - 25% standard - 25% -
Package management commission per month
9 lei/ month 20 lei/ month 2.7 eur/ month 6 eur/ month
Package management fee with basic with extended with basic with extended
(for packages sold before18.05.2009, the management fee into force at 6.5 lei/ month 1.9 eur/ hospitalization hospitalization hospitalization hospitalization 2 eur/ month
that time shall be charged) month insurance insurance insurance insurance
(Avantaj 2 Clasic) (Avantaj 2 Plus) (Avantaj 2 Clasic) (Avantaj 2 Plus)
Package closure fee 15 eur 25 eur 15 eur
(the fee applies to packages opened starting with 09.07.2008; for packages (equiv. in package currency) (equiv. in package currency) (equiv. in package
opened starting with 28.10.2013, after the first 2 years after the purchase, currency)
the closure fee is 0)

Notes: Starting 17.01.2020, the commercial names of the packages were modified as follows: Student PE+ package Card Like package; Senior PE+ package  Card Senior package; EURO PE+ package  Card Start
Euro package; AZI PE+ Gold package  Card Gold; AZI PE+ Platinum package  Card Platinum package.
For the packages Clasic, Select, Drum Bun the closure for acquiring a new BRD package and providing of cards included in the packages are free of charge.

1Insurance component included for free for the package Holder, attached to embosed debit cards included in the packages;
2Insurance component included for free for the package Holder, over the lifetime of the package;
3Optional service included in the package, with special tariff that is perceived separately from the monthly management fee of the package;
4Insurance component, with three alternatives, included optional in the package. Only one of the three options can be chosen, at the moment of opening the package. The preferential premium is perceived in the currency equivalent of the

paying account, separate from the monthly management fee of the package;

23
 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

5The monthly package management fee for AZI PE+ package is 0 (zero) lei/ month, if the recurrent income condition is fulfilled. Recurrent income means that income which fulfills all the following: (i) it comes from regular cash incomings:

salary, pension, rent, allowance or other regular type of income (ii) is received monthly in the current accounts of the customer held at BRD (iii) is at least 8.000 lei/ month for AZI PE+GOLD packages or at least 12.000 lei/ month for AZI
PE+ PLATINUM packages. Amounts coming from loans granted by the Bank, deposits which reach maturity, credit transfers between own accounts, etc, are not considered regular income. In case the condition for regular income fulfillement
stated above is not met, on the 20th of each month, the Bank will collect from the current account of the package the value of the package management fee - without fulfilling the recurrent income condition, as stated in the Taxes and Fees
Guide for Individuals, applicable currently, for the previous month in which regular income condition was not met. In all cases, the customer will benefit from a grace period in the month when the package is activated and in the following
calendar month, in which the customer will not pay the package management fee regardless if he fulfills the regular income condition or not, in the amounts mentioned. Starting with the 4th calendar month, counting also the activation
month, the Bank will verify, for the previous calendar month, the meeting of the recurrent income condition in the amounts mentioned, for the current accounts of the customer opened at BRD. If the recurrent income condition is not met,
the Bank will charge the package management fee as stated in the Taxes and Fees Guide for Individuals, applicable currently.
6For the Holder’s cards contracted within products and services packages CLASIC, SELECT, DRUM BUN reduced annual management fees are charged as presented in the above mentioned table, with the excpetion of the cards „A la

Carte”/ Suporter/ Mastercard A la Carte Contactless/ Transport/ Mastercard BRD Vreaubilet for which the management fee is annual. The management fees for cards are perceived separately from the monthly management fees for
packages.

Products and services packages

”PREMIUM” package lei foreign currency
 Package management fee 35 lei/ month 10 eur/ month
 Package closure1 30 eur (equiv. in package currency)
”e-CLICK” package
 Package management fee 8.5 lei/ month
 Package closure1 15 eur (equiv. in package currency)
”SPRINT” package/ ”STUDENT” package
 Package management fee 4 lei/ month
 Package closure1 5 eur (equiv. in package currency)
„Summer” package
lei foreign currency
(promotional offer valid: 16.07-15.09.2012)
 Package management fee 4 lei/ month 1 eur/ month
10 eur (equiv. in package currency)
 Package closure1 the commission will be charged only for packages closed at less
than 2 years after package opening
 Packages features PREMIUM, SPRINT, STUDENT, e-CLICK from stock:
Product name PREMIUM package SPRINT package STUDENT package e-CLICK package
Currency LEI EUR LEI LEI EUR
MANDATORY PRODUCTS AND SERVICES
Curent account     
Debit card  Mastercard/  Mastercard  Sprint  ISIC/ MAEUB/ Visa  Mastercard ePayment
Visa GOLD GOLD Electron
Call Center MyBRD Contact    
Avantaj 2 Hospitalization insurance2  Plus   -
Confort Insurance3  5 eur/ usd/ year  5 usd/ year  5 usd/ year  Confort online
OPTIONAL PRODUCTS AND SERVICES
MyBRD Net Internet banking service    
MyBRD Mobile Mobile banking service    
SMS banking MyBRD SMS    -

24
 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

FREE OPERATIONS/ MONTH

Cash withdrawals in lei at BRD ATMs 5 2 2 1
Balance inquiries at any BRD ATM  unlimited  unlimited  unlimited  unlimited
Credit transfer - Intra-banking incomings in lei and
foreign currency  unlimited  unlimited  unlimited  unlimited
Credit transfer - Intra-banking payments in lei via
MyBRD Net internet banking service/ MyBRD
Mobile Mobile banking service  unlimited -  nelimitate  unlimited
OTHER DISCOUNTS
Debit card annual maintenance fee4 standard - 20% standard - 20% standard - 20% standard - 20%
Loan file analysis fee5 standard - 20% - standard - 20% standard - 20%
Overdraft analysis fee standard - 20% - standard - 20% standard - 20%

 Content of campaign packages SENIOR PE+/ BLACK FRIDAY (no longer available, only stock):
SENIOR PE+ BLACK FRIDAY BLACK FRIDAY BLACK FRIDAY
Package6 Package7 Package8 Package9

 30.09 – 31.12.2016  09.07 – 01.10.2018  25.11 - 27.11.2016  17.11 - 19.11.2017  16.11 -

Promotional offer valid in:
 21.08 - 15.10.2017 18.11.2018
PRODUCTS AND SERVICES INCLUDED
Current account  lei  lei  lei  lei  lei
Debit card  Maestro/Visa Electron lei  MasterCard/Visa Standard  Maestro/Visa  MasterCard/Visa  MasterCard/ Visa
lei Electron lei Standard/ Maestro/Visa Standard lei
Electron lei

MyBRD remote banking services  Contact/ MyBRD  Contact/ MyBRD Net  Contact, MyBRD
Net Internet Internet banking service or Net Internet
banking service or MyBRD Mobile Mobile banking service or
 Contact/ SMS/ MyBRD Net MyBRD Mobile banking service MyBRD Mobile
 Contact/ SMS/ MyBRD Net Internet banking Mobile banking (one of two, at customer’s Mobile banking
Internet banking service or service/MyBRD Mobile service choice) service
MyBRD Mobile Mobile banking Mobile banking service (one of two, at (optional)
service (one of two, at customer’s
customer’s choice) choice)
Savings account  lei  lei - - -
FREE OPERATIONS/ MONTH
Cash withdrawals in lei at BRD ATM’s  unlimited  unlimited  unlimited  unlimited  unlimited
Cash withdrawals in lei at BRD POS  unlimited - - - -
Credit transfer - Intrabanking payments in lei via MyBRD Net  unlimited  unlimited  unlimited
Internet banking service or MyBRD Mobile Mobile banking
service  unlimited  unlimited
Credit transfer - Intrabanking incomings in lei and foreign
exchange  unlimited  unlimited  unlimited  unlimited  unlimited
Credit transfer - Interbanking incomings in lei - -  unlimited  unlimited  unlimited

25
 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

SMS alerts for crediting the current account with amounts >= 500 2 2 - - -
lei/ month
Balance inquires at BRD ATM’s  unlimited  unlimited  unlimited  unlimited  unlimited
OTHER DISCOUNTS
Loan file analysis fee standard - 20% standard - 20% - - -
Annual maintenance fee for the Credit card Standard with - FREE the 1st year - FREE the 1st year FREE the 1st year
installements
5 usd/ year 5/6/8 usd/ year depending on - - -
Confort Insurance10
the Confort insurance type
Bonus for term deposits in lei in case of domiciliation of the standard + 0.05% standard + 0.05%
monthly incomes in BRD current accounts - - -
Bonus for savings accounts in lei in case of domiciliation of the standard + 0.15% standard + 0.15%
monthly incomes in BRD current accounts - - -
PACKAGE MANAGEMENT PER MONTH
Without fulfilling recurrent income condition in BRD current - - 0 lei/ month 0 lei/ month 0 lei/ month
account
Fulfilling recurrent income condition in BRD current account Promotional offer valid in: 30.09 - Promotional offer valid in:
31.12.2016 09.07 - 01.10.2018
 0 lei/month, until the date of  0 lei/ month, until the date
30.11.2017, inclusively of 01.10.2019, inclusively
 1.9 lei/month, starting with:  1.9 lei/month, starting with:
01.12.2017 02.10.2019
Promotional offer valid in: 21.08 -
15.10.2017
 0 lei/ month, until the date of
31.10.2018, inclusively
 1.9 lei/ month, starting with:
01.11.2018
________________________________
1 The fee applies to packages opened starting from 9 July 2008. For packages opened starting from 28 October 2013, after the first 2 years after the purchase, the closure fee is 0; 2 Insurance component included for free for the package holder, on
the lifetime of the package.Insured events: hospitalisation following an accident or illness and surgery following an accident or illness (extended level: Plus); Content of insurance benefits: for hospitalisation: daily benefit = 43 lei/ 10 eur, granted for
a maximum number of days covered; for surgery: maximum benefit = 2150 lei/ 500 eur: depending on the type of surgery, a percentage of this amount shall apply. In case general anaesthesia is used, an additional benefit of 430 lei/ 100 eur will
be paid. For further information, see the insurance information note; 3 Insurance component included as mandatory in the 1st year in the package, with preferential premium that prevails, in the equiv.currency of the paying account, separate from
monthly management fee of the package; 4 For debit cards provided within packages of products and services: PREMIUM, SPRINT, STUDENT, e-CLICK are perceived annual maintenance commissions discounted with 20% from standard. Debit
cards maintenance commissions are prevaled separate from monthly management fee of the package; 5Except Prima Casa and car loans granted through the authorised Dacia/Renault/Nissan dealer network; 6Package commercialised within the
following campaigns addresed to retirees: (i) 2016 Seniors National Campaign, in the period 30.09 - 31.12.2016 (ii) 2017 Seniors National Campaign, in the period 21.08 - 15.10.2017, (iii) 2018 Seniors National Campaign, in the period 09.07 -
01.10.2018; 7Package commercialised within the BLACK FRIDAY campaign, in the period 25.11 - 27.11.2016. Package subscription was available in any BRD unit, until 31.12.2016, inclusively, based on the identification code received after applying
online for a package on the BLACK FRIDAY campaign page from BRD; 8Package commercialised within the BLACK FRIDAY campaign, in the period 17.11 - 19.11.2017. Package subscription was available in any BRD unit, until 31.12.2017,
inclusively, after applying online for a package on the BLACK FRIDAY campaign page from BRD; 9Package commercialised within the BLACK FRIDAY campaign, in the period 16.11 - 18.11.2018. Package subscription was available in any BRD
unit, until 31.12.2018, inclusively, after applying online for a package on the BLACK FRIDAY campaign page from BRD; 10 Insurance component included optional in the package, with preferential premium that is perceived, in currency equivalent
of the paying account, separate from the monthly management fee of the package.

26
 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

Appendix no. 4: TREASURY OPERATIONS AND CAPITAL MARKETS

GOVERNMENT AND CORPORATE SECURITIES - SECONDARY MARKET lei foreign currency

Subscription - Government securities issued on the local market 50 lei 25 eur
+ SaFIR commission + SaFIR commission
Revenue collection - Local market: interests/ coupons/ principal incomings at maturity free
Revenue collection - Foreign markets: notification/ incoming free
GOVERNMENT AND CORPORATE SECURITIES - SECONDARY MARKET
A. Selling-purchasing transactions (lei and foreign currency)
BRD Counterparty free
Other counterparties – Local market 50 lei 25 eur
+ SaFIR commission + SaFIR commission
Other counterparties – Foreign markets
Mature markets and EURO zone 30 eur
Emerging markets 35 eur
Change/ cancel transactions 10 eur
B. Transfers without payment
Local market - între dealeri piaţa interbancară 50 lei + SaFIR commission
Local market - între piaţa interbancară şi BVB 50 lei + SaFIR and RoCLEAR commissions
Foreign markets
Mature markets and EURO zone 30 eur
Emerging markets 35 eur
Change/ cancel transactions 10 eur
C. REPO Contracts
BRD Counterparty comision SaFIR
Other counterparties: Initiation/ REPO contract subscription/ Calls in the REPO contract 50 lei 25 eur
margin in the form of government securities + SaFIR commission + SaFIR commission
D. Pledge operations (BRD pledge beneficiary or other beneficiaries)/ Litigation
Pledge operations (pledge initiation, pledged securities replacement, pledged beneficiary SaFIR commission
replacement, pledge operation maturity, pledge execution execuţion/ sale)/ litigation
E. Safekeeping (in custody) government securities held in the SaFIR system SaFIR commission
CUSTODY SERVICES FOR SECURITIES
A. For resident investors
Safekeeping (in custody) of financial instruments
The local capital market (BVB and SIBEX) Mature external markets Emerging external markets
0.03%/ year 0.03%/ year 0.3%/ year
Commission for transfers settlement and processing of financial instruments to/ from a
clearing, settlement and storage company authorized by ASF:
1. The local capital market (BVB and SIBEX)
Transactions settlement/ Financial instruments transfer from BRD custody in custody of 0.03%
another bank/ Section 1 of the Central Depository
Transfer of financial instruments in BRD’s custody free

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 PRIVATE INDIVIDUALS
Fees and Commissions Guide
into force starting with: 10.02.2020

2. External markets
Mature markets, transactions settlement Emerging markets, transactions settlement Change/ Cancel transactions
30 eur/ transaction 35 eur/ transaction 10 eur/ transaction
"Corporate actions" activities (information about issuers, dividends collection, etc.) min. 10 lei/ operation
If the total monthly cumulated value of commissions for safekeeping services provided for
financial instruments on local markets and of commissions for safekeeping financial
instruments on external markets does not exceed 10 eur (calculated at the rate published in min. 10 eur/ month
the last working day of the month), a commission of 10 eur for sefekeeping will be charged.
The 10 eur commission will not be charged if the client has no holdings in the portfolio.
B. For non-resident investors - keeping securities in boxes
min. 0.20% / year min. 0.10% / year min. 0.04%/ year
up to 10 millions lei 10 - 50 millions lei above 50 millions lei
Processing transfers with securities - delivery and receipt of securities to/ from a clearing, 45 eur/ transaction
settlement and storage company authorized by CNVM
"Corporate actions" activities (information about issuuers, dividends collection, etc.) for
companies listed on ASF regulated markets 15 eur/ operation

28
 PRIVATE INDIVIDUALS

Fees and Commissions Guide

into force starting with: 10.02.2020
Appendix no. 5: DEBIT & CREDIT CARDS - OUT OF OFFER
LEI FOREIGN CURRENCY
Credit card
FEES FOR OPERATIONS RELATED TO CARDS
Youth Electronics Standard/Transport LEI
Gold
Card providing/ renewal free free free free free
Annual maintenance/ card 10 lei (15 lei Sprint) 35 lei 25 lei 90 usd 50 lei*
Card replacement in Romania 10 lei (15 lei Sprint) 14 lei 25 lei free 50 lei
Card replacement abroad (emergency) n/a n/a 148 usd 148 usd 148 usd
PIN regeneration 10 lei 3.5 usd 10 lei
Unreasonable refusal to pay 6 lei 10 usd 6 lei
Cash withdrawals at BRD ATM 0.2%, min. 0.9 lei 0.2%, min. 0.9 lei (equiv. usd) free
Cash withdrawals at BRD POS counter 0.5%, min. 5 lei 0.5%, min. 3 eur (equiv. usd) free
Cash withdrawals at other banks ATM from Romania 1% + 5 lei 1% + 3 usd free
Cash withdrawals at counter/ POS other banks from Romania 1% + 4 lei 1% + 3 usd free
Cash withdrawals at ATM other banks from abroad/ counter/ POS other
1.5% + 10 lei 1.5% + 3 usd free
banks from abroad
Cash withdrawals at POS other banks from abroad - emergency 150 eur (Visa) / 75 eur (Mastercard) 150 eur 75 eur
Provision of information on the current account balance at ATM/ POS
free free free free free
BRD/ MyBRD Contact
Provision of information on the current account balance at other banks 1 eur 1 eur 1 eur
ATM from Romania / abroad (in account currency) (in account currency) (in account currency)
Use of POS at retailers for making payments - including e-Commerce
free free free free free
(purchase of goods and services, including online)
0.50 eur 0.50 eur 0.50 eur
List of the last 10 ATM operations
(in account currency) (in account currency) (in account currency)
PIN change at ATM BRD 2 lei/ 0.50 eur/ 0.70 usd 0.70 usd 2 lei
PIN change at other banks ATM from Romania (only MasterCard) 2 lei n/a 2 lei
Credit line increase n/a n/a n/a n/a 20 lei
50 eur
Unic commission for additional services requested by the customer n/a n/a n/a n/a
(equiv. lei)
3DSecure activation free free free free free
Youth: Cardul 10, Sprint Transport RATB, Sprint Transport
Electronics: Visa Electron Fermier (only in Packages)
Standard: Mastercard BRD-ePayment, Mastercard Suporter, Mastercard
CARDS Visa Gold in usd CumVreiTu
Vreaubilet, Instant Pay
Transport: Maestro Transport, MaestroTransport RATB, Mastercard
Standard Transport
* at which the account management fee is added, respectively 4.2 lei/ account/ month

29