Frequently asked questions

• What conditions must you meet to apply 100% online?
  • You are a Romanian citizen, you are over 18 years old and have a valid identity card, issued in Romania
  • You have a mobile phone number from Romania
  • You will be the account holder and the only real beneficiary of the funds to be traded through the account to be opened
  • You have tax residence only in Romania
  • You are not a publicly exposed person (PEP), family member or close associate of a publicly exposed person
  • You are not subject to FATCA or CRS regulations
  • The address where you live is the one written on your identity card
  • The country of birth is not in the list of high-risk countries (according to EU Regulation 1675/2016)
  • You are not part of a group of customers connected with the Bank
  • You are not an employee of Credit Europe Bank
  • You are not a Credit Europe Bank customer

   

  For the CardAvantaj Package, you must also meet the condition of having salary income reported in the National Fiscal Administration Agency.

• How can I apply 100% online for the CardAvantaj package and how long does the process take?

  Applying for the CardAvantaj package is simple, takes approximately 15 minutes, and can be done entirely online, without needing to visit a bank territorial unit.

  At the end of this process, the bank will inform you if you are eligible for a credit limit. If the response is positive, after the free installation of the AVANTAJ2go app, you will be able to request the issuance of a Virtual CardAvantaj directly from the app, and you will have access to the approved credit limit.

  The Virtual CardAvantaj can be registered in electronic payment apps like Apple Pay or Google Pay directly from the AVANTAJ2go app, and you are ready for shopping!

  The physical card will arrive within a few days at the address you have declared in your relationship with the bank, via courier.

• How can I be sure that the digital onboarding process is secure?

  At Credit Europe Bank, we treat all your information confidentially and collect it through the digital onboarding process in a secure environment.

• What steps are involved in the digital onboarding process for CardAvantaj?

  The process involves verifying your identity by photographing your ID card, taking a selfie, and validating the passwords sent by the bank via SMS and email to your mobile phone with internet access. You also need to fill in the information requested by the bank in accordance with the specific norms and procedures for analyzing and granting a credit line.
   

• What are the benefits offered by the CardAvantaj package?

  With the CardAvantaj Package, you receive:

  • The CardAvantaj credit card with up to 24 interest-free installments anywhere, access to an extensive network of over 9,500 partner merchants, a generous credit limit of up to 6 times your net monthly income, bonuses for every transaction, and cashback at certain partner merchants.
  • A Mastercard debit card with zero account administration fees and zero cash withdrawal fees from any ATM.
• Are there any fees or charges for using the CardAvantaj package?

  The CardAvantaj package includes a credit card, debit card, and current account without hidden fees or charges. For the CardAvantaj credit card, no issuance or administration fees are charged in the first year, and for the debit card and current account, no administration or cash withdrawal fees are charged at any ATM. For details, consult the List of Fees and Charges.

• What are the advantages of using the monet mobile banking app and the AVANTAJ2go app?

  The monet app facilitates managing your current account, while AVANTAJ2go helps you monitor and manage your CardAvantaj credit card and your debit card.

  Through the monet app, you have access to personalized offers:

  • A preferential interest rate for term deposits
  • Extra installments for payments made with the CardAvantaj credit card
  • Zero commission on interbank transfers

  By installing the AVANTAJ2go app, you can significantly enhance your shopping experience with CardAvantaj:

  • You can issue a Virtual CardAvantaj credit card for online payments. It will be useful for not exposing your entire credit limit when shopping on unfamiliar websites
  • You can validate payments in the 3D Secure system directly from the app via push notifications
  • You can easily and quickly enroll your Mastercard in electronic wallets like Apple Pay or Google Pay
• How can I get more information about partner merchants and the available offers for CardAvantaj?

  The complete list of partner merchants and offers is available on www.cardavantaj.ro and in the AVANTAJ2go app, where you can find updated details about the benefits of using the CardAvantaj credit card. Additionally, you can call CEBLine, a 24/7 call center service at 0750.000.000.