The credit card you will love. In your pocket in just 5 minutes.
Apply for your card!
Exchange
Symbol | BNR | Buy | Sell |
---|---|---|---|
EUR | 5,0774 | 5,0100 | 5,1400 |
USD | 4,3275 | 4,2900 | 4,4100 |
GBP | 5,8916 | 5,8000 | 5,9600 |
CHF | 5,4484 | 5,3900 | 5,5200 |
SEK | 0,4556 | 0,4240 | 0,4780 |
100 JPY | 2,9600 | 2,9100 | 3,0700 |
* Current account exchange rates
Find out moreNatural person | 1 month* | 3 months |
---|---|---|
EUR | 0,60% | 1,00% |
RON | 5,75% | 6,75% |
Index | Last update | Rate |
---|---|---|
EURIBOR 12 LUNI | 10.07.2025 | 2.08300% |
EURIBOR 6 LUNI | 10.07.2025 | 2.05100% |
IRCC | 01.07.2025 | 5.55000% |
ROBOR 3 LUNI | 10.07.2025 | 6.75000% |
ROBOR 6 LUNI | 10.07.2025 | 6.90000% |
SARON 1MC+M1 | 10.07.2025 | -0.01790% |
SARON 3MC+M3 | 10.07.2025 | 0.15010% |
SARON 3MC+M6 | 10.07.2025 | 0.22110% |
From now on, it's much simpler! Apply for Card Avantaj 100% online, with no need to visit the bank!
Card Avantaj can be yours in just 5 minutes*. You’ll receive a credit limit of up to 6 times your monthly income. Plus, there are zero issuance fees, up to 24 interest-free installments anywhere**, bonuses on commercial transactions, and access to a network of over 9,500 partner stores.
Apply now 100% online and receive your credit limit in just 5 minutes*.
Apply nowChoose the package that suits your needs and enjoy the benefits immediately!
With Card Avantaj, you benefit from:
- Interest-free installments**
- Card Avantaj Virtual issued for free via the Avantaj app
- Free access to the monet mobile banking app
- Free access to the Avantaj card management app
Apply online with no need to visit the bank!
Before starting the application, make sure you have the following:
*The 5-minute time frame is an estimate and represents the average time needed to complete the credit card application steps. The credit limit can be used immediately through the Virtual Card Avantaj, which you can generate for free via the Avantaj app.
**The offer is subject to terms and conditions. For details, consult the official campaign rules here.
Frequently asked questions
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What conditions must you meet to apply 100% online?
- Be a Romanian citizen, over 18 years old, with a valid Romanian-issued ID
- Have a Romanian mobile number
- Be the account holder and sole beneficial owner of the funds to be transacted
- Be fiscally resident only in Romania
- Not be a politically exposed person (PEP), nor a family member or close associate of one
- Not subject to FATCA or CRS regulations
- Have income from salaries reported to the National Agency for Fiscal Administration (ANAF)
- The address on your ID must match your actual residence
- Your country of birth must not be on the EU high-risk list (Regulation EU 1675/2016)
- Not part of a group of customers linked to the Bank
- Not an employee of Nexent Bank
- Not already a Nexent Bank customer
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How can I apply 100% online for Card Avantaj and how long does it take?
Applying for the Card Avantaj is simple, takes approximately 5 minutes*, and is entirely online — no need to visit a bank branch.
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 Avantaj app, you will be able to request the issuance of a Virtual Card Avantaj directly from the app, and you will have access to the approved credit limit.
The Virtual Card Avantaj can be registered in electronic payment apps like Apple Pay or Google Pay directly from the Avantaj 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.
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How can I be sure that the digital onboarding process is secure?
At Nexent Bank, all your information is handled confidentially and collected in a secure digital onboarding environment.
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What steps does the digital onboarding process for Card Avantaj involve?
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.
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What are the benefits of Card Avantaj?
With Card Avantaj, you get:
- Up to 24 interest-free installments anywhere**
- Access to over 9,500 partner merchants
- A generous credit limit of up to 6 times your net monthly income
- Cashback at select partner stores
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Are there any fees or commissions for using Card Avantaj?
Card Avantaj has no issuance or administration fees in the first year. For details, see the Fee & Commission List.
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What are the advantages of using the monet mobile banking app and the Avantaj app?
The monet app helps manage your current account, while the Avantaj app lets you monitor and manage your Card Avantaj.
With monet, you get personalized offers such as:
- Preferential interest rates for term deposits
- Extra installments for Card Avantaj payments
- 0 commission on interbank transfers
By installing the Avantaj app, you enhance your daily shopping experience with Card Avantaj:
- Issue a Virtual Card Avantaj for online payments, useful for not exposing your entire credit limit on unknown websites
- Approve 3D Secure payments directly via push notifications
- Easily enroll your Mastercard in Apple Pay or Google Pay
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How can I find out more about partner merchants and Card Avantaj offers?
You can view the full list of partner merchants and offers at www.cardavantaj.ro or in the Avantaj app. For more details, call our 24/7 Call Center at 0750.000.000.
What browsers can I use for the digital onboarding process?
Supported operating systems
- Android (min.6.0 version)
- iOS (min. 1.2 version)
Browser*
- Google Chrome / Opera
- Safari
*We recommend updating your browser to the latest version.
Documents
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Official Regulation of the Campaign
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Terms and Conditions regarding the Online Enrollment Flow
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Data processing agreement
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Information regarding the processing of biometric data
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Information regarding the processing of personal data
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Information notice regarding the processing of personal data
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Information document on commissions
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List of related taxes, commissions and interest
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General Business Conditions
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Form for information provided to depositors