BCR reports an accelerated adoption of digitalization with 2.66 million users of George digital ecosystem (internet banking and mobile banking), of which 2.32 million active George app users up by 12% year-on-year.
Also, 94% of products for individual clients (current account openings, mortgage and consumer loans, savings accounts, deposits, insurance, and investment products) sold through a fully digital process, compared to 87% in the first nine months of 2024.
In Q3 2025, 96% of clients joined the BCR PLUS Optional Pension Fund (Pillar III) through the fully
digital flow available in George. This enhanced digital experience led to a 100% increase of new
enrollments in 1-9 2025 compared to the same period last year, and the BCR PLUS Optional Pension
Fund (Pilar III) now has over 171,000 participants building their future with BCR Pensii.
Over 170,000 companies are enrolled in George for business, a unique digital ecosystem in Romania. In 1-9 2025, more than 74% of eligible customers started their relationship with the bank through Digital Onboarding, and almost 60% of the microenterprise lending was granted through our portfolio of digital products including Digital Overdraft, George Smart Credit, and George Credit Card.
Customer engagement transformation
BCR is the first bank in Romania to introduce RoPay Alias, providing a fully digital banking experience for its clients. Users can request or transfer money instantly using only a mobile phone number, without an IBAN, in a secure, efficient and easy manner.
BCR is also the first bank in Romania to fully digitalize the mortgage refinancing process, strengthening its leadership position in the digitalization of the most complex retail lending product. In the first nine months of 2025, over 9,000 clients accessed a mortgage loan directly through George, for purchase, refinancing, or offer reservation. BCR clients receive a firm loan offer within just few minutes, valid for 60 days, and 75% of those who reserve a digital offer finalize the process and access the loan.
Over 1.6 million BCR products were opened through a fully digital process in the first nine months of 2025, marking a 6% increase compared to the same period in 2024.
BCR clients received over RON 36 million through George Moneyback, the loyalty program that rewards users with cashback for card payments. George Moneyback has now reached over 1.5 million users, up 10% compared to the first nine months of 2024.
BCR continued to expand its open banking ecosystem by strengthening and diversifying the George Store. The partnership portfolio now covers a wide range of industries – Healthcare (MedLife, Regina Maria), Shopping (Freshful), Family activities (Destiny Park), Travel (Paralela 45, Animawings), Mobility (Splash, ATVRom), Cybersecurity (Bitdefender), Digital solutions (Trans Sped), Legal services (QuickLegal), Service providers (Edenred, Imobiliare.ro), Online payments (Global Payments), Leasing (Financiar Auto, Echipamente), Invoicing solutions (Banqup, EasyBill) and Business management tools (Regnet, SOLO).
BCR delivered a solid financial performance, posting a net profit of RON 2,467 million (EUR 491 million) in the first nine months of 2025, up by 11.2% against RON 2,217 million (EUR 446 million) in 1-9 2024, „supported by continued expansion in customer business” – the bank said.
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:
