Frequently asked questions

• 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
• 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.

• 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.

• 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.
   

• 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
• 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.

• 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
• 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.