Benefits

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
  • Receiving your pension directly in the account: the money is transferred directly to your current account, without commission, and you can withdraw it in cash or by debit card. All you have to do initially to benefit from the service is to submit the account statement issued by us, together with a standard application to the Territorial House of Pension to which you belong.
  • 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.

Starting with 27.01.2018, when opening a current account in lei, you can choose between any payment account with payment services and a payment account with basic services. Information on operating conditions and rules, but also fees for the payment account in lei with basic services can be found in the Useful Information section, and as well as in any Idea::Bank branch.

Costs

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: 5 lei, equivalent in the currency of the account  |  ZERO lei with Idea::activ offer
  • 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.

Idea::protect Insurance

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:

  Idea::protect packages
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.

Useful information

Rates, interest, fees

Please find below:

  • List of tariffs, interest and commissions for individuals.
  • General Terms and Conditions for the operation of banking products and services for individuals.
  • Information for depositors in accordance with Law 311/2015 on Deposit Guarantee Schemes and The Bank Deposit Guarantee Fund (FGDB).
  • Information on basic accounts in lei with basic services.
  • Payment service change information.

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.

  • Online, just fill in the form below and one of our consultant will contact you soon
  • Come to the nearest Idea::Bank branch with your ID card
  • If you are already our client you can open a new account through Idea::iBank internet banking 

Apply for Current account

We will get back to you in no time!