Easy to access and obtain!
Idea::account is our way of welcoming you to Idea::Bank!
- A simple current account: no opening fee, no minimum balance, no closing fee;
- Minimum cost: bank account management monthly fee only
- A bank account that is easy to access and obtain
- The account may be opened in RON, EUR, USD, CHF, GBP or PLN
- Quick access to your money, through the debit card attached
- Transparent: you are always in control of your bank account balance, using the additional services: Idea::iBank internet banking allows you to check the status of your account at any time, or you can choose to be notified via e-mail and/or SMS about the transactions in your account, using the Idea::alerts service.
- Your Idea::account brings you extra security with Idea::protect life insurance, powered by Aegon Romania
Zero lei account opening and closing fee!
If you’re wondering how much an Idea::account will cost you, here is the answer:
- Account opening fee: 0 lei
- Monthly account management fee:
- 3 lei for accounts in the national currency,
- 1 monetary unit for Euro and other currencies
- Account closing fee: 0 lei
In addition, the Polish zlotys (PLN) current account will help you enjoy the best exchange rates for this currency and attractive fees for PLN payments.
Extra security attached to your Lei account!
Idea::protect life insurance is provided in partnership with Aegon Romania.
- You can choose from 4 Idea::protect packages: Basic, Basic Plus, Premium or Extra , depending on the degree of coverage you want;
- Idea::protect is addressed to individuals who own an Idea::account in lei, of minimum 18 years at the activation of insurance and maximum 75 years on leaving the insurance for Basic, Premium and Extra packages and 65 years for the Basic Plus package;
- Duration of insurance: Idea::protect protects you during the time you have an account in lei at Idea::Bank;
- You can add a single Idea::protect insurance to an Idea::Bank account, but you can hold up to 5 insurance packages of the same kind or different.
What does Idea::protect offer you?
Depending on the package you choose, Idea::protect offers you protection for the following events:
|Risks and insured amounts||Basic||Basic Plus||Premium||Extra|
|Death from accident or sickness||500 lei||500 lei||500 lei||500 lei|
|Death from accident||24.000 lei||24.000 lei||24.000 lei||24.000 lei|
|Permanent invalidity from accident||-||24.000 lei||-||-|
|Surgery from accident||-||-||-||12.000 lei|
|Hospitalization from accident (daily allowance)||-||-||48 lei||48 lei|
|Monthly premium||3 lei||6 lei||12 lei||24 lei|
How does Idea::protect work?
Depending on the date of signing the insurance application, Idea::protect isurance becomes active as follows:
- if you choose for insurance coverage by the 25th of the current month, coverage by insurance starts on the 1st of the following month;
- if you choose for insurance coverage between 26th and the end of the current month, coverage by insurance starts on the 1st of the second month.
How to pay the insurance premium?
Your account to which you attached Idea::protect will be debited monthly on the last working day of each month for the following month.
Rates, interest, fees
Please find below the list of rates, interest and fees, as well as the general terms and conditions of our banking products and services for individuals, as well as information for depositors according to the provisions of Law no. 311/2015 on deposit guarantee schemes and the Bank Deposit Guarantee Fund.
You will also find here the BIC/SWIFT codes of Idea::Bank and partner banks.
How to apply
It’s simple, you only need your ID card!
- You can open your Idea::account if you are at least 18 years of age and you are a Romanian citizen or resident in Romania.
- The bank account can be opened simply, with your ID card, in any Idea::Bank branch, through the Idea::iBank internet banking service or by filling in the online form below and clicking on apply.
Apply for Current account
We will get back to you in no time!