CEC Bank cuts overdraft interest rates / Eligible customers receive lower margins for six months

CEC Bank is offering promotional interest rates on overdraft facilities for individuals from October 15, 2026, to April 15, 2027. The campaign is aimed at new and existing customers in the Standard and Premium segments who meet the bank’s eligibility criteria.

Under the offer, the interest margin is reduced by 4 percentage points from the standard level. For Standard customers, the interest rate consists of IRCC plus 3.92 percentage points, compared with IRCC plus 7.92 percentage points under normal conditions. For the Premium segment, the promotional margin is 3.50 percentage points above IRCC, compared with the standard 7.50 percentage points. According to the bank, the interest rate could theoretically reach 9.1% for loans in lei.

The overdraft provides access to a reserve of funds directly in the current account, up to the approved limit, which can reach the equivalent of nine salaries, without exceeding 60,000 lei. Interest is calculated only on the amount used, not on the entire limit, and the product does not involve an application or monthly administration fee.

The offer can also be applied to increasing existing limits or refinancing eligible facilities. Applications can be submitted through the bank’s channels, including online, by customers who meet the required conditions. Approval is subject to an eligibility assessment, while the interest rate remains variable, depending on IRCC and the contractual terms.