BCR has 2.59 million users of George digital ecosystem (internet banking and mobile banking), of which 2.22 million are active George app users up by 16% year-on-year. In Q1 2025, more than 75% of eligible customers started their relationship with the bank through Digital Onboarding, and almost 70% of the microenterprise lending was granted through BCR portfolio of digital products including Digital Overdraft, George Smart Credit, and George Credit Card.
BCR reports an accelerated digital product adoption in retail: 93% of all BCR products for private individuals (current account opening, mortgage and personal loans, savings account, deposits, insurance, and investment products) granted on a 100% digital flow, compared to 84% in Q1 2024.
Over 1,600 customers accessed a mortgage loan directly in George, either by purchasing or reserving an offer, double the number in Q1 2024. Moreover, BCR is the first bank in Romania to launch a fully digital flow for refinancing a mortgage loan from another bank, available directly in George.
In Q1 2025, approximately 470.000 BCR products were opened digitally, highlighting how George has expanded access to financial services through a simple, secure, and accessible 24/7 user experience.
Accelerated growth in insurance and private pension product adoption. 91% of all BCR protection and insurance products purchased through a 100% digital flow directly in George, with a 14% year-on-year increase in the total number of active policies.
In Q1 2025, 97% of clients joined the BCR Plus Optional Pension Fund (Pillar III), managed by BCR Pensii, through the fully digital flow available in George. This enhanced digital experience led to a 66% increase in new subscriptions in the first three months of 2025 compared to Q1 2024.
Over 160,000 companies are enrolled in George for business, a unique digital ecosystem in Romania.
Customer engagement transformation
BCR continued to develop the open banking system, facilitating the opening of George accounts through a 100% digital process, directly from the Kaufland, eMAG, Lidl Plus, MyVodafone, Rompetrol, and Profi apps. Additionally, Freshful joined as new partners in George Store, offering exclusive promotions to users.
More than RON 33 million gained by BCR customers through George Moneyback, the loyalty program that gives money back, as a discount, to BCR clients using card payments. George Moneyback has reached over 1.4 million users, up 20% compared to Q1 2024.
Also, BCR continued the implementation of the bank modernization investment plan and launched its second mobile branch, organized as a modular truck that provides access to modern banking services in rural communities and small towns. This initiative is part of BCR’s broader strategy and complements our financial inclusion program for local communities, through which BCR’s first mobile unit has already reached 26 communities. In 2025 alone, BCR aims to visit at least 24 rural and small urban communities.
Banking 4.0 – „how was the experience for you”
„To be honest I think that Sinaia, your conference, is much better then Davos.”
Many more interesting quotes in the video below:
