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Mastercard World

CEC Bank is offering the possibility of obtaining a limit of credit with access through card up to 60.000 Lei, that the customers can use both for refinancing the consumer credits owned at banks, including the credits with access through card and the ones owned in non-banking financial institutions.
Debit card, in Lei, for natural persons

Mastercard card with contactless technology well enable you to make payments to any retailers in the country or abroad, where the  logo or the , symbol is displayed, by simply approaching the card to the ATM.

Through the Mastercard World CEC debit card in Lei, the following are assured:

Free access to all the salons Mastercard Business from Henri Coanda International Airport and the Wien International Airport (Sky Lounge or Jet Lounge) 
*these benefits are awarded through the Mastercard organization; the updated list of the locations can be found at

The possibility to access directly, from any locality within the country or abroad, the personal account attached to the card, for performing commercial transaction or for obtaining cash

Keeping in a bank account, in safe conditions, your cash coming from wages or from other sources

The possibility to obtain cash from the offices of the banks displaying  the Mastercard logo, in the country and abroad, during their working hours, as well as the possibility to access the automatic teller machines (ATM), 24 hours per day, 7 days a week

Usage in safe conditions, through the elimination of cash as well as through the possibility to block the access to the account  in case of card loss or theft

Emergency replacement of the lost/stolen/destroyed card, in any locality in the country, within maximum  3 business days since the request

The possibility to obtain the overdraft facility

Making available detailed monthly reports, comprising the performed transactions, the place where they were performed, duties and fees retained by the bank

The possibility to change the PIN code using the CEC Bank ATMs

The possibility to obtain transaction mini-reports from the ATMs of CEC Bank, comprising the records of the account attached  to the card for the last 30 days, maximum 10 operations

The possibility to view the card account balance also within the ATM networks of other banks in the country (currently BCR, BRD, Alpha Bank) and abroad, which offer this facility.

The possibility to pay the invoices issued by the service/utilities suppliers that have conventions with the bank for this purpose at the bank’s ATMs. The list of suppliers for invoices payments through CEC Bank ATMs may be found in the section Payment Service for Utilities Invoices through CEC Bank ATMs

No fee for transactions at the merchants which accept these cards in the country and abroad

Access to a wide network  of CEC Bank units and ATMs, from which you can withdraw cash without any fee

The possibility to request the bank to attach to the account up to 4 additional cards for the loved ones

Free of charge enrollment in the CEC Bank “Mastercard Rewards” Programme

Discounts or various other benefits provided by the bank's partners

The card account may be a salary account (salaries deposited by your employer) or account for cashing the pension, and it may be also used for depositing cash from any other sources (cash deposits at the bank’s units, transfers from other banks etc.)

You may perform operations using the CEC Bank Internet Banking Service on the card account (visualization of your card account, the bank statement for the last month, amounts transfer from your card account to other accounts opened with CEC Bank or with other banks)

The card may be used for secure Internet shopping, by enrolling for the 3 D Secure service, made available by the bank

The cards may be used in the country and abroad for the payment of the goods and services provided by merchants, as well as for withdrawing cash from ATMs and/or from the banks’ offices displaying the Mastercard logo

The Mastercard World card may be used in an electronic environment (ATM and EPOS equipment) as well as in a manual environment (imprinter and transaction authorization by phone)

Mastercard World card may be used in the country and abroad for renting cars and for advance booking of hotel rooms

Overdraft limits

 It is easy to obtain this loan: by filing a request form and submitting the documentation requested by the bank (income certificate, other documents). You do not need warrantors or other additional guaranties. The request for the overdraft limit is not commissioned by the bank. The granting of the overdraft limit is based on the risk analysis and the evaluation of the individual creditworthiness. The maximum overdraft ceiling limit is Lei 60,000 lei but no higher than nine family incomes.

How does the overdraft facility work?

Once approved, the credit line may be used the entire period during which the customer pays regularly the obligations towards the bank. Interest shall be paid only for the loan amount effectively used. After each reimbursement, the amount available in the card account may be used again, without exceeding the overdraft limit granted by the bank.

Calculation example * - Overdraft

- the credit amount is entirely withdrawn, in cash, on the day of its granting
- the credit is paid in 12 equal monthly installments
- no withdrawal is performed during the 12 month of payment
- the Effective Annual Interest Rate is calculated according to the legal provisions in force and comprises the annual interest rate and the fees applicable to the card account

Loan value: Lei 10,000
Loan period: 1 year
Maximum monthly installment: Lei 878,64
Effective Annual Interest Rate: 10,45%
Total payable amount: Lei 10.543,67

The Effective Annual Interest Rate comprises:
Variable interest rate: IRCC + 7.5% = 9,94%
File analysis fee: 0
Card issuance fee: 0
Cash withdrawal commission by using the card in its own ATM and EPOS network: 0
Monthly fee for the management of the card account: 0

IRCC - Consumer Credit Reference Index

*The example above is for reference only, not being applicable if new withdrawals are performed from the card account during the 12 months, within the limits of the loan approved by the bank and monthly payments.

Benefits granted by the bank in its own name

- Monthly return, in the card account, of maximum 0.5% of the amount of commercial transactions 
- Not levying the monthly fee for the management of the card account and other current transaction fees in the conditions presented in the User’s  Guide 
- Free monthly subscription for Internet Banking Service
- Free monthly subscription for Info SMS service
- Monthly bank statement, sent to the customer by post

Benefits granted by the bank in collaboration with third parties

Insurance packages for different services: 
- Travel Insurance for external routes: accidents in public transportation means, hospitalization abroad, delayed luggage, delayed flight, insuring the legal representation.
- Security Insurance Services: purchase protection, documents protection, protection against fraudulent use of bank cards - insurance brochure

National program Mastercard Premium&Business, with discounts at over 165 partners across the country, is designed to perfectly match our Mastercard World cards. To view the complete list of partners, click here. Additional information on national discount programs are available on

Client assistance services for reporting the lost/stolen cards (24 hours per day, 7 days per week): 
Phone: + 4021 202. 69. 99 or + 4021 315. 71. 00

Help Desk for Cards and Internet Banking:
+4021 202.50.50