Your Rights When Making Payments in Europe

Exchange

Symbol BNR Buy Sell
EUR 5,0934 5,0100 5,1700
USD 4,2955 4,2000 4,3500
GBP 5,8461 5,7500 5,9300
CHF 5,5599 5,5400 5,6600
SEK 0,4772 0,4460 0,5000
100 JPY 2,7405 2,7000 2,8600

* Current account exchange rates

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Natural person 1 month* 3 months
EUR 0,60% 1,00%
RON 5,75% 6,75%
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Index Last update Rate
EURIBOR 12 LUNI 10.02.2026 2.22200%
EURIBOR 6 LUNI 10.02.2026 2.13200%
IRCC 01.01.2026 5.68000%
ROBOR 3 LUNI 10.02.2026 5.84000%
ROBOR 6 LUNI 10.02.2026 5.90000%
SARON 1MC+M1 10.02.2026 -0.10970%
SARON 3MC+M3 10.02.2026 -0.04490%
SARON 3MC+M6 10.02.2026 0.02610%
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Your Rights: in a Nutshell

EU rules mean your electronic payments are becoming cheaper, easier and safer. Here’s how:

  • You can make payments throughout Europe (the EU, Iceland, Norway and Liechtenstein) as easily and safely as in your home country.
  • You can no longer be charged extra costs by a merchant when you pay using a card issued in the EU.
  • The rules cover all kinds of electronic payments (e.g. credit transfers, direct debits, card payments…).
  • Anybody legally residing in Europe has the right to a bank account for making electronic payments (“payment account”).

What You Should Know:

Attached documents

  • Electronic Leaflet EC Payment Services