75’W 60’W 45’W 30’W

Practical User Guide for

MyBRD Mobile Service

For any question concerning the service, please contact MyBRD Contact:

Phone no.: +4 021 302 6161 (available from any network)

0800 803 803 (TelVerde free of charge in Telekom network)
*BANCA (*22622) (normal charge in Orange and Vodafone networks)

E-mail: [email protected]
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CONTENTS 1 Introduction 3
2 Terms of Access and Use 4
3 Service Activation 6
4 Service Access and Security 9
5 Consultative Functionalities 11
5.1 Home Page 11
5.2 Accounts 13
6 Transactional Functionalities 15
6.1 Transfers 15
6.2 Bill Payment 19
6.3 Activity History 21
7 Public Functionalities 22
7.1 Foreign Exchange Rate 22
7.2 Currency converter 23
7.3 Information on Products and Promotions 23
7.4 Location Finder 23
7.5 Contact 23
8 Fees 24
9 TransactionBM Limits 24
10 Information Update 25
11 %BUB
Sending 25
12 Frequently Asked Questions 26
Annex 1 – TransactionBM hours 31
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1 Introduction

Thank you for choosing the MyBRD Mobile service provided by

BRD Groupe Société Générale.

MyBRD Mobile is the mobile banking solution providing online access

to bank accounts and banking information, irrespective of time and
place. By using this service, you are in permanent contact with the
bank, 24/7, on your mobile or tablet.

The operations available include: account information,
QBZNFOU

orders in Lei and foreign currency, foreign exchange
USBTBDUJPOT
BOE
information concerning the Bank’s
QSPEVDUT
BOE
TFSWJDFT

All these operations can be performed safely, using for this purpose the
best security systems that also ensure the necessary flexibility.

This detailed guide helps you discover all the functionalities of this
service.

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2 Terms of Access and Use

MyBRD Mobile is a very flexible solution tailored Dedicated app for Smartphone and
to the user’s preferences, the type of phone used tablets
and the JOUFSOFU
DPOOFDUJPO
availability. Thus, Improved app for access through
MyBRD Mobile can be accessed in three ways: mobile browser
By dialling a short number (USSD
session)

The Smartphone app is available GoS the following operatinH systems

and can be downloaded and installed free of charge:
• Android, version 2.1 or later
• iOS, version 4.3 or later
Dedicated app • Windows Phone, version 7.5 or later
for SmartphoneT
The app for tablets is available GoS the following operatinH systems and can
and tablets be downloaded and installed free of charge::
• Android, version 2.1 or later
• iOS, version 4.3 or later
NOTE: it is adviseE to have the latest version of the operation system supported
by your device installed

Irrespective of the operatinH system used, the app provides the same
information, the only differences being the general layout, the location of
buttons or other design features.

The information can be displayed in two languages, Romanian and English,

and the language transmitted (used) by the phone will be used automatically
upon installation. To change the app language, the user must restart the app.

Irrespective of the device on which the app is downloaded, its use requires
Internet connection. All the app updates must be installed at the time when
they are available. The app updateT BSF performed in the same way as for any
phone app, as the update procedures is specific to each operation system.
Depending on the phone settings, the update can be made automatically or
manually, by following the steps required for app update, as indicated by the
manufacturer of your phone or tablet.

8BSOJOH To secure the environment in which the service is used, install an

antivirus app available through 1MBZ
4UPSF
"QQ4UPSF
PS
8JOEPXT
4UPSF.

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 75’W 60’W 45’W 30’W

To use the service through a NPCJMF
CSPXTFS, the phone must be able to connect
to Internet (irrespective of the connection type: mobile network, wireless).

The service address is XXXNZCSENPCJMFSP, and the service can be accessed

and used as easily as any site on the mobile phone.
Mobile Browser
The following types of browser can be used to access the service:

• Internet Explorer Mobile 9

• Nokia Browser 7.4
• Safari (installed by default on any Apple device)
• Blackberry Browser 5
• Blackberry Browser 6
• Google Chrome
• Opera
• Android Browser (installed by default on any Android device)

Irrespective of the browser used, the app provides the same information,
the only differences being the general layout, the location of buttons or other
design features

MyBRD Mobile pcan be accessed through USSD session, on any phone, by

calling the short dedicated number *117#
Through USSD session, the app does not require Internet connection and does
not need to be installed on the phone.
USSD Session

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3 Service Activation

'PS activatJOH the service, the following steps must be taken, depending on the access type:

Receiving the security features from the

STEP 1 Bank:

• 6OJRVF
password sent by text message to the NPCJMF

Dedicated app QIPOF
number indicated as main number. The password validity is limited.
for Smartphones • The activation code provided by the Bank during the service
and tablets connection. The code validity is limited.

Free download of the app specific to the

STEP 2 phone or tablet used.

Depending on the operation system of the phone, the app is downloaded from:
• Google Play Store for Android operation system
• AppStore for iOS operation system
• Windows Phone Store for Windows Phone operation system

STEP 3 Launching the app

Step 4

STEP 4 Selecting the “ActivaUF” (activation) option

Entering the security features -> the

STEP 5 Activation
Code
and
0OF
5JNF
Password
received by text message

Warning! The security codes become invalid if they are incorrectly entered
5 times. In such a case, contact the Bank to receive new security features.

Step 5

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Choosing a PIN code and its confirmation.

STEP 6

The PIN code will be used for accessing the app but also for signing (authorizing)
transactions. The code must have 6 numeric characters (e.g. 123456)

NOTE: The service can be accessed on several Tmartphone devices and/or tablets
but any additional device must be activated by contacting the Bank and following the
steps described above.

Step 6

Receiving ZPVS security features from the

STEP 1 Bank:

Mobile Browser •T
 he initial password sent by text message. This password is
sent to the phone number indicated as main number XJUI
B
MJNJUFE validity
UJNF.
•T
 he user code received upon adhesion to the service and used each time
to access the service together with the password set at the first use

Accessing the link www.mybrdmobile.ro

STEP 2 on the mobile phone

Entering the security features on the main

STEP 3 screen displayed

Receiving the Activation Code as a cookie

STEP 4 by text message

Entering the Activation code in the app.

STEP 5

The code will be sent to the phone number indicated as main number

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STEP 6 Defining and confirming a new password

You will use the new password to access the service and sign transactions.
The password must have 8 numeric characters.

Warning! The security codes becomeT invalid if they are entered incorrectly
for 5 times. In this case, the Bank must be contacted to provide new security
features.

NOTE: For the optimum operation of the service, the phone must allow cookies to be
saved in order to store the activation code. The cookie saving option is available in
the setting section of the phone; otherwise, the bank will send a new text message
with a cookie each time the service is accessed

Receiving the security features from the

STEP 1 Bank:

USSD Session • I nitial PIN Code. This code is sent to the phone number indicated as main
number
• User Code: it is received at the adhesion to the service

Dialling the dedicated short number to

STEP 2 access MyBRD Mobile service

STEP 3 Entering the User Code

STEP 4 Entering the initial PIN Code

STEP 5 Entering and confirming the new mPIN code

used both for accessing the app and for signing transactions. The mPIN
must have 6 numeric characters.

The phone number is one of the security features for the USSD channel and,
for this reason, the service can be activated on a single phone
number.

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4 Service Access and Security

Depending on the DIPTFO
access UZQF, the steps necessary for authentication in the application
as well as the security measures and related recommendations are described below.

To access the app, follow the steps below:

Dedicated app STEP 1 Starting the app

for Smartphones
and tablets Selecting the “&OUFS
.Z#3%
.PCJMF” (access)
STEP 2 button in the initial app screen

STEP 3 Entering the PIN

Safety measures:
Step 2
• All GBJMFE attempts GoS enterJOH the password are
registered.
After 3 fails, access is blocked and you must contact the Bank for
unblocking
UIF
TFWJDF.
•T
 he system uses a 5-minute limit for the performance of
each action.
If the service is not used for more than 5 minutes, the work session
closes and a new authentication is required.
• The main security method for the dedicated app is a
Mobile Digipass. This is an advanced security device integrated at
the app level and used both for accessing the service and for signing
transactions.

A simple and profitable solution, Mobile Digipass works as a Digipass

hardware, but without using an additional device; you can generate
Step 3 passwords and sign transactions directly in the MyBRD Mobile app.

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To access the service through a mobile browser, follow the steps below:

Access the dedicated link

STEP 1 www.mybrdmobile.ro
Mobile Browser

&OUFS
UIF
6TFS
$PEF
BOE
1BTTXPSE
STEP 2

Safety Measures:

•A  ccess is blocked if the user code and password are

entered incorrectly for 3 times, ZPV
NVTU
DPOUBDU
UIF
#BOL
GPS
VOCMPDLJOH
UIF
TFSWJDF.
• The system uses a 5-minute limit for every action.
If the service is not used for more than 5 minutes, the work session closes
and a new identification is required.
• If the trading functionalities provided include payments to predefined national
beneficiaries and payments to a phone number, the improved app for mobile
browser has a security system based on a single password.

The single password is sent to the main phone number and can be used
only to sign transactions of this type. This password is sent
when the transfer is initiated and can be used only for that
transaction, having a limited validity. For further details on these
two types of transfers, please read the section on transfers.

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For an increased security, through the USSD channel, your phone number
is BO
JOUFHSBUFE
TFDVSJUZ
GFBUVSF
PG

UIF
TFSWJDF. MyBRD Mobile can be
accessed through USSD only from your phone number.

USSD Session To access the service by USSD session follow these steps:

STEP 1 Dial the dedicated short number *117#

STEP 2 Enter the mPIN code

Safety Measures:

• T he mPIN code is blocked if it is entered incorrectly for 3 times.

To unblock it, you have to contact the Bank.
• In the case of payments initiated through USSD by predefined national
beneficiaries and to a phone number, the system is based on a single
password.

The single password is sent to the main-phone number and is used only to
sign transactions of this type. This password is sent when the transfer
is initiated and can be used only for that transaction, having a limited
validity. For further details on these two types of transfers, please read the
section on transfers.

Please be assured that BRD Groupe Societe Generale considers taking all the security measures for the proper operation
of the service. For the proper use of the mobile banking service provided by us, we recommend that the following
precautions be taken:

• The authentication elements are confidential and should not be communicated to third parties.
They should not be communicated orally, by phone, e-mail or forms.
• Please be informed that BRD Groupe Societe Generale DID NOT send and WILL NEVER send, under any circumstance,
any message requiring confidential data for accessing the MyBRD Mobile app through web/ e-mail/ telephone error
messages. Please do not answer any request for such confidential information and ZPV
TIPVME
contact the Bank as soon
BT
QPTTJCMF
Vsing the BWBJMBCMF
phone numbers, in any situation that NJHIU
seem suspJDJPVT.
• Change the access code regularly, at least twice a year. Changing the UZQF
PG
access code (PIN/ Password) is
QPTTJCMF
Eirectly in the app by accessing the Settings section.
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5 Consultative Functionalities

5.1 Home Screen

Immediately after accessing the app, the screen presented below is the first
contact you have with MyBRD Mobile solution. This is the start point for
any consultative information or initiated operation. As you can see in the
picture below, the home screen (“Acasa” / “Home”) is divided into several
Dedicated app sections for quick and easy navigation:
for Smartphones
and tablets

and
Navigation Favourite
bar account editing
button

Welcome message Favourite

and account
date of the last indicator
update
Mobile Browser

Messages

Welcome message and date of the last update

Favourite account the home screen can be adjusted by

selecting a favourite account to be
displayed permanently on the home screen.
• The favourite account is the first in the list of accounts available in the app – to
select a different favourite account, it is enough to place it the first in the list.
• A graphic indicator is available for the favourite account – a pictogram
indicating the balance level of the favourite account depending on the range set
in the app. Thus, the arrow / status bar helps you to simply and quickly find out
the balance depending on the range set.

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Navigation bar it is useful for quickly accessing the

necessary information.
All app functionalities
are classified into categories for easy navigation in the app.

Messages received

In this section you will find:

• Personal messages from the Bank
• The most recent operations in the account together with their status
• Information on other products and services of the Bank.

The messages and operations are in chronological order, for the easy reading of
all the operations and messages received.

Immediately after accessing the service, the main screen is displayed.

The interactive menu displays the following options that can be accessed:

• Account information
USSD Session • Transfers
• Bill payments
• General information
• Personal Messages
• Contact details
• Changing the PIN

To navigate, use the phone keys. You only need to select the digit
corresponding to the option you want to access. From the main menu of
the app, all the functionalities, both consultative and transactional, can be
accessed.

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5.2 Accounts
Information concerning the accounts linked to the MyBRD Mobile
service can be found by selecting
the
“FinanDF”
function. This
TDSFFO
displays three account categories:

Dedicated app
for Smartphones
and tablets

• Current and savings

and
accounts
• Deposits
• Loans

Mobile Browser

By accessing each category, a list with all the accounts in that category is
displayed. By selecting one account, information is displayed concerning
the selected account, together with the list of operations PG that account.
The available information is updated in real time, in accordance with the
communicated trading programNF.

The list of operations includes all the operations carried out in the
selected account (if the nature of that account allows this), during a
period of 1 year. The operations are grouped by weeks, starting with the
most recent ones.

To view only the transactions initiated in a certain period, use the filter in
the upper part of the screen.

If you use the "DDPVOU
EFUBJMT option, detailed information
DPODFSOJOH
UIF

chosen account is displayed. Depending on the account type, UIF
JOGPSNBUJPO
concerns:

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 75’W 60’W 45’W 30’W

Current and savings

accounts
Account balance, Available balance, Balance date, Credit limit (if applicable),
Blocked amounts, Attached card, IBAN account number, Foreign Currency,
Account type, Account name (tag).
"WBJMBCMF
CBMBODF

"DDPVOU
CBMBODF
o
Blocked amounts + Credit limit

Deposits
Deposit type, Account number, Value, Currency, Support account, Maturity
date, Period, Interest type, Interest value, Renewal type, Estimated interest
value, Account name (tag).

Loans
Loan type, Currency, Loan balance, Balance date, Next payment value, Next
payment date, Account name (tag).

For an easier identification of accounts in the app, use a name (tag) for each
account, using the “Edit ” function.

The name (tag) set is intended only for the quick identification of the
tagged account, it does not affect the official statement of account or any
other document issued by the Bank for that account.

Balance
information

USSD Session If you select this option, the favourite account will be displayed in the
upper part of the screen together with a list of other account types. To view
the
balance
account
other
than
the
favourite one, select the account
category oG the account you wish to view and then select the account in
the category (if there are more than one account).

The information available is: Balance date, Balance value,

Currency,
Overdraft
(if
applicable),
Account name
UBH

This information is available for all the types of accounts.

O p e ra t i o n
History
By selecting this option, you can view a mini-statement of account for the
last 5 debit or credit operations oG the selected account.
The
information
available
in
the
mini-statement
for
the debit or DSFEJU
transactions are: Amount, Currency, Date.

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6 Transactional Functionalities

6.1 Transfers
By selecting the “Transfers” option, a list is displayed with all the types of
transfers that can be made using the MyBRD Mobile service.

The options displayed on the page are: • Send money

By selecting the “Send money” • Receive money
Dedicated app option, a screen is displayed with
for Smartphones all the types of transfers that can • Pay a Bill
and tablets be initiated using MyBRD Mobile.
• Transaction History

and Transfers between accounts

the necessary steps to initiate such a transfer are presented below:

Select the “Send money” option

STEP 1
Select the “... between own accounts”
STEP 2 option
Mobile Browser
Select the account
STEP 3 from which the transfer will be initiated

Select the account in which the money will

STEP 4 be sent.

Step 1/ Step 2 Step 3 Step 4

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Fill in the amount, the operation date

STEP 5 and the currency

Check the transaction details and sign

STEP 6 (authorize) the transaction using the PIN code.

RESULT View the transaction summary

Step 5 Step 6 Result

National transfers
the necessary steps to initiate such a transfer are presented below:

Select the “4FOE
NPOFZ” Fill in the information

STEP 1 option
STEP 5 concerning the currency,
amount and operation date
Select the “national”
STEP 2 option Check the transaction details
Select the account from STEP 6 and sign (authorize) the
STEP 3 which the payment will be transaction using the PIN code
initiated

STEP 4 Select the beneficiary RESULT View the transaction

summary
Select
beneficiaries:
All the BQQ

QSFEFGJOFE
beneficiaries
will be displayed
in the
beneficiaries’
list
where
they
can be selected during a transfer initiation. The list of beneficiaries is public and available
to
all the users XJUI
access
to the service and for all the channels on which it is accessed (Dedicated app/ Mobile browser/ USSD).

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Dedicated app Functionality available only for dedicated app:

for Smartphones
Beneficiaries can be added manually directly in the app, using the
and tablets option of saving the account to which the transfer is initiated in the list of
beneficiary accounts.

Also, when a transfer is made to a third party beneficiary, it can be made

into that account by manually entering the necessary information, without
saving the account in the list of predefined beneficiaries, if this information
will no longer be necessary.

Transfer between own accounts

Select “3. 5SBOTGFS
CFUXFFO
BDDPVOUT”

USSD Session STEP 1 

Select the account from which

STEP 2 you will initiate the transfer

Select the account in which

STEP 3 the money will be transferred

STEP 4 Enter the amount

(Optional)
STEP 5 Enter the operation description

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Check and sign the transfer using the

STEP 6 PIN

STEP 7 View the operation summary

Transfer to national beneficiaries

the steps necessary to initiate such a transfer are described below:

Select “3. 5SBOTGFST
UP
OBUJPOBM
CFOFGJDJBSJFT”

STEP 1 .

Select the account from which

STEP 2 you will initiate the transfer

Select the beneficiary to which the payment

STEP 3 is made from the list of beneficiaries

STEP 4 Enter the amount

(Optional)
STEP 5 Enter the operation description

Check and sign the transfer using the

STEP 6 PIN

STEP 7 View the operation summary

The beneficiaries’ accounts can be defined in the app upon the signing of
the adhesion contract or later, at the BRD office.

The service can display no more than 5 beneficiaries per page thus,
depending on the number of beneficiaries defined, option “6. 4FBSDI”
can
be used to search in
the list of
beneficiaries,
using
the name PG
FBDI

beneficiary.

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6.2 Bill payment

Invoices can be paid quickly and with no extra charge by following the steps
below:

Dedicated app Select the “1BZ
B
#JMM”

for Smartphones and STEP 1 option in the “PBZNFOUT” NFOu.
tablets
Select the account from which the payment
STEP 2 will be made. Bills can be paid only in RON,
and except for those from insurance companies.

STEP 3 Select the billing entity

Select the sub-agent of the billing

STEP 4 entity (if applicable)
Mobile Browser
Enter the amount, date and references of
STEP 5 the VUJMJUZ
bill

STEP 6 Sign the transaction using the PIN

RESULT View the transfer summary

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Functionality available only for the dedicated app:

To save time and to avoid entering the bill data incorrectly, the app allows you
to use the barcode scanner.
Dedicated app
This functionality significantly reduces the time and effort necessary to pay each
for Smartphones bill. The steps necessary for the payment are identical to the ones described
and tablets above, except that Step 5 should be replaced by using the “Scan
a

barDPEF” option. Thus, using the camera of the phone PS
UBCMF
UP
TDBO
UIF

barcode, all the information will be entered automatically in UIF
BQQ
BOE
ZPV
avoid the effort of entering such information manually.

Note: to read the barcode, the phone must focus on it. For easy focalization, the
operation should be performed in suitable light. Depending on the type of phone
used, the focus can be manual or automatic – for instructions concerning the
focus of the phone camera, please check the dedicated manual.

Bill payment can be quick and with no extra charge if you follow the steps
below:

USSD Session
STEP 1 Select “5. #JMM
QBZNFOU”

Select the account from which

STEP 2 the payment will be made

Select the billing entity and

STEP 3 sub-agent, if applicable

STEP 4 Enter the amount

Enter the payment reference – each

STEP 5 billing entity may request different data
to process the payment.

Sign the transfer using

STEP 6 the PIN code

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6.3 Activity History

In the “5SBOTBDUJO History section the transactions initiated through MyBRD Mobile as
well BT
UIF
TUBUVT
PG
each operation can be viewed. The types of statuses available depending on the transaction type BSF
Successfully Processed, Manually Processed, Rejected, Waiting, Collected, Waiting for
Collection and Cancelled.

The “5SBOTBDUJPO
)JTUPSZ” function can be accessed
GSPN
UIF

Payments menu. This screen displays the transactions JOJUJBUFE
through MyBRD Mobile in chronological order. If you want to
view the transactions in a certain period, use the filter in the
Dedicated app VQQFS
part of the screen.
for Smartphones and
tablets

and

Mobile Browser

You can view a status summary for each transaction initiated through
MyBRD Mobile by accessing the “6. 5SBOTBDUJPO
Ttatus”
option. Next to each type of status, the number PG
USBOTBDUJPOT

that fall in that category in the last 365 days is
EJTQMBZFE
USSD Session .

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7 Public Functionalities
Several sections are available in the “Public
GVODUJPOTw section:

• Foreign exchange rate

Dedicated app • Reference rates
for Smartphones • Information concerning
and tablets the Bank’s products and
promotions
• Location finder for ATMs
and and BRD offices
• Contact

All the information available in these

categories is for informative purposes
only and can be consulted without
Mobile Browser having to authenticate in the application
using the PIN.

7.1 Foreign Exchange Rate

This service allows you to access the foreign exchange rate in real time.
Thus, you can view the selling/purchasing rate, the rate published by the National
Bank of Romania and the exchange rate for exchanges between accounts.

Also, a history is available for each currency, which can be displayed for one
week, one month, three months, six months or one year.

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7.2 Currency converter

Using the currency converter, you can calculate / convert any two
currencies (from among the ones included in the Banks’ currency exchange
offer). The converter is easy to use, as only two actions are necessary: entry
of the amount and selecting the two currencies.

This converter does not exchange currencies and does not represent a contract
by which the Bank undertakes to make the exchange at the exchange rate
displayed. Its purpose is purely informative. To make a currency exchange
between accounts, use the function of transfer between own accounts.

7.3 Information on Products and

Promotions
Poți afla informații despre toate produsele pe care ți le punem la dispoziție
și despre ultimele promoții. Informațiile sunt împărțite pe categorii pentru
ca tu să poți găsi repede ceea ce cauți.

7.4 Location Finder

oIf you need to quickly locate a BRD office or a BRD ATM, MyBRD
Mobile allows you to see the closest location on the map.

For each location identified, you have access to the following information: Name,
Address, Contact phone, Work Hours, Available services.
Note: To use this functionality, depending on the phone used, you may need to
activate the GPS function. To check whether this technology is built-in, please
check the specifications for your phone.

Also, you can select a certain location on the map to view all the offices and ATMs
nearby.

7.5 Contact
To quickly contact the bank, use the “Contact” option in the “Informatii” (Information) section. By selecting this
option, you will find all our contact details: Phone numbers, E-mail address, Web Page, Facebook Page.

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8 Fees

A monthly management fee is charged for the use of MyBRD Mobile service. To find out
the value of this fee, the promotions available and other advantages as compared to the fees
charged for operations in the Bank’s offices, please check “Ghidul de tarife si comisioane”
(Fee and Commission Guide) available on the Bank’s website or call MyBRD Contact available
from Monday to Sunday from 8.00 to 22.00 at 0 800 803 803 (free of charge in Telekom network),
021 302 61 61 (normal charge) or *BANCA (*22622 / normal charge in Orange and Vodafone
networks).

9 TransactionBM Limits
As an extra security measure, MyBRD Mobile service provides transactional functionalities based
on DPNQMJBODF
XJUI 3 types of limits:

• The limit for each transaction: RON 30,000

• The limit for the amount of transactions: RON 50,000/day for Natural Persons and RON
100,000/day for Self-Employed Persons and Legal Persons.

Since the limits are set in RON, in the case of transactions initiated from accounts opened in other
currencies the amount is calculated based on the exchange rate of the National Bank of Romania
valid on the transaction initiation date.

The limits mentioned above are set at contract level, for all the authorised service users. The value of
the limits refers to all the operations, except for deposits.

An initiated transaction reduces the set limit by its value at the time when it is completely signed,
irrespective of its status (whether completely processed or still waiting for processing). For transactions
with future date or recurrent transactions, the limit is reduced on the maturity date of the operation.

The transaction limits are calculated when a transaction is initiated, so that:

If the transaction initiated by the user falls complies with the limit set, the message displayed
in the app is the confirmation of transaction registration.

If the limit set is exceeded by the user, the user is informed by a message received in the
app that the limit was exceeded and, for this reason, the transaction cannot be processed.

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10 Information Update

The information on the account status is updated both in working and in non-working days. The
information available in statements of account, the displayed balance and the operations made
during one day are updated in real time, according to the trading schedule.

11 Data sending
Payment orders are treated depending on the entry time and order type, as follows:

• All the payment orders are processed in real time.

• Inter-bank orders will be processed in non-working days as well, according to the trading
hours
• Bill payments will be processed in the current working day between 07-21.30
• Payment orders sent after the limit hours will be taken for processing in the next working
day, starting at 07.00

Details concerning the trading hours can be found in Annex 1 to this document.
After the processing of operations, the displayed information is updated in real time.

If, for certain reasons, the transactions sent to the Bank cannot be processed when they are received,
the following processing methods can be used:

• Putting the transaction on hold until the end of the current day when, depending on any changes
occurred during the day, the transaction will receive a final status – Successfully processed/
rejected.

Example: If, upon the initiation of a payment order, the funds available in the account are not enough, the initiated transaction
receives the status “In asteptare” (waiting) and can be successfully processed if, by the end of the day, the account is credited
with the amount necessary for its processing. Otherwise, the transaction is finally rejected and to resume it for processing
you must re-enter it in the app.

• Rejection of the transaction and the display of the reason for such rejection – the information can
be viewed for each initiated transaction.

Warning! Once a transaction is signed, it is sent to the Bank and the user will not be able to modify/
cancel it.

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12 Frequently Asked Questions

General 1 What is MyBRD Mobile?

MyBRD Mobile is a Mobile Banking service providing consultative and

transactional access to the BRD accounts through any type of mobile
phone.

2 What functionalities does MyBRD Mobile have?

With MyBRD Mobile you can access the following functionalities:

• Viewing detailed information on the accounts opened with BRD

• Making transfers between personal accounts, including currency
exchanges
• Making inter- and intra-bank transfers to predefined or manually
defined beneficiaries
• Manual definition of beneficiaries within the app
• Obtaining information on the Bank’s products and services
• Locating the nearest BRD office or BRD ATM
• Obtaining information on the foreign currency rates and reference
interests.

3 What is an authorized user?

Upon subscription to the service or later during the contract performance,

you can appoint one or more authorized users who will have access to the
accounts through the app.

If you use this service both as a natural person and as a legal entity, you
can select the contract you wish to use immediately after connecting in
the app, using the same authentication data.

4 How can I get support?

The following can be of assistance in the use of MyBRD Mobile:

•D  etailed User’s Guide for each of the 3 versions of the service

•M  yBRD Contact (Monday to Sunday from 8.00 to 22.00, by calling
0 800 803 803 (free of charge in Telekom network), 021 302 61 61
(normal charge) or *BANCA (*22622 / normal charge in Orange and
Vodafone networks).
• In any BRD office, our consultants can provide any information
concerning the service.

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Accesare 1 How can I subscribe to MyBRD Mobile?

To subscribe to MyBRD Mobile, you must have a functional mobile phone

connected to a mobile phone network of one of the Romanian mobile operators.

To obtain the security features allowing access in the app, you must contact
the consultants available in the nearest BRD office or call MyBRD Contact
(Monday to Sunday from 8.00 to 22.00, by calling 0 800 803 803 (free of
charge in Telekom network), 021 302 61 61 (normal charge) or *BANCA
(*22622 / normal charge in Orange and Vodafone networks).

2 How can I access MyBRD Mobile?

The MyBRD Mobile service can be accessed based on the safety features.
Depending on the channel you have chosen, please consult the detailed guide
to identify all the security features used for accessing each channel.

3 How can I choose the right channel?

MyBRD Mobile is available on any type of mobile phone. The service is

available on 3 channels:

• A dedicated app for Smartphones using the most frequent

operation systems (iOS, Android, Windows Mobile); a dedicated app for
tablets using the most frequent operation systems (iOS, Android)
• An improved web page for the phones using one of the following
mobile browsers:

• Internet Explorer Mobile 9

• Nokia Browser 7.4
• Safari (installed by default on any Apple device)
• Blackberry Browser 5
• Blackberry Browser 6
• Google Chrome
• Opera
• Browser stoc Android (installed by default on any Android device)

• USSD Session that can be accessed on any type of phone.

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Safety 1 Is MyBRD Mobile a safe service?

MyBRD Mobile uses the latest and safest security systems. The dedicated
app uses a Mobile Digipass. This is an advanced solution for the security of service
access and transaction signing, using an authentication process based on two
items. Also, to activate the app, single passwords sent to the phone number are
used to prevent any attempt of fraud.

Furthermore, we recommend the following extra security measures:

• Automatic phone blocking after a period in which it is not used and the
requirement to enter an unblocking code.
•K  eeping the secrecy of the access code for the app and the
change of the code if there is any suspicion that it is known by other people.
•P  hysical protection of the phone used for making financial
transactions by limited use of the phone in public or unsupervised areas.

2 What can I do to protect myself from viruses and spyware?

To secure the environment in which the service is used, access AppStore,

Play Store or Windows Store and install an antivirus that ensures the
integrity of the data sent from the phone to the Bank.

3 How can I prevent fraud attempts?

Never respond to any e-mail or text messages requiring

personal or financial information. Please contact the Bank immediately
if you receive such messages (0 800 803 803 or [email protected]).

Also, the security features should not be communicated to

other people or the bank staff. It is absolutely necessary that these
security features be known only by the service users. If you suspect any fraudulent
incidents, please contact the Bank.

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Technical 1 On what devices can MyBRD Mobile be accessed?

• The dedicated app can be accessed on any phone using one of the following
operation systems:
• Android, version 2.1 or later
• iOS, version 4.3 or later
• Windows Phone, version 7.5 or later
• It is available on any phone with mobile Browser, by accessing
www.mybrdmobile.ro.
• It can be accessed on any phone by dialling the dedicated short number.

2 How can I check whether my device is compatible?

The dedicated app can be used on smartphones. Please check your phone’s
specifications to identify the operation system used. After identifying the
operation system, please check the operation system list to see whether your
phone is compatible.

3 On what browser can MyBRD Mobile be accessed?

The Mobile Web version can be accessed on the following browsers:

• Internet Explorer Mobile 9

• Nokia Browser 7.4
• Safari (installed by default on any Apple device)
• Blackberry Browser 5
• Balckberry Browser 6
• Google Chrome
• Opera
- Browser stoc Android (installed by default on any Android device)

Is it necessary to have Internet connection

4 to use MyBRD Mobile?

The dedicated app and mobile browser version require access to Internet,
irrespective of the connection type (mobile network, wireless). The USSD version
does not require Internet access.

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Functionalities

1 What accounts can I view?

You can view information concerning the account balance, the operations
made and also detailed information on the following types of accounts:
• SV – current account / savings account
• LC – credit line
• SA – collateral account
• TD – deposit account
• CR – account with attached credit card
• CL – Loan account

2 Can I make transactions at night or in weekends?

The operations entered at night or in non-banking days are processed in

working days between 7.00 and 21.30. The operations entered within these
hours are processed in real time.

3 What are my account details that I can view?

•C  urrent and savings accounts: Account balance, Available balance,

Balance date, Credit limit (if applicable), Blocked amounts, Attached card,
IBAN account number, Foreign Currency, Account type, Account name.
• Deposits: Deposit type, Account number, Value, Currency, Support
account, Maturity date, Period, Interest type, Interest value, Renewal type,
Estimated interest value, Account name.
• Loans: Loan type, Currency, Loan balance, Balance date, Next payment
value, Next payment date, Account name.

4 Can I transfer money to other accounts in Romania?

You can transfer money to any compatible account opened with a bank in Romania.

5 What are the transaction limits?

As an extra security measure, MyBRD Mobile service provides transactional

functionalities based on 2 types of limits:
• The limit for each transaction: RON 30,000
• The limit for the amount of transactions: RON 50,000/day for Natural
Persons and RON 100,000/day for Self-Employed Persons
and Legal Persons.

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Annex 1 – Transactional hours

Operation. Limit time for reception Date of registration in Date of crediting
the paying customer’s into the beneficiary
account customer’s account
1. PAYMENTS IN RON
Intra-bank1 By 21.30 T T
After 21.30 T+1 T+1
Small value, inter- By 14.30 T T
bank 2 From 14.31 T T/T+1i
to 14.59 T+1 T+1
After 15.00
High value, inter-bank By 15.00
3 T T
From 15.01 T T/T+1i
to 15.29 T+1 T+1
After 15.30
2. FOREIGN CURRENCY PAYMENTS
Intra-bank By 21.30 T T
After 21.30 T+1 T+1
Inter-bank By 13.55 T According to the interbank
After 13.55 T+1 transfer rules
3. CURRENCY EXCHANGE
Purchase / selling / 7.00 – 21.30 T T
cross order After 21.30 Order entry is not allowed

Note:

• T is the maturity date of the operation initiated by the customer and T+1 is the following banking day, except for the
intra-bank payments for which T+1 means the following calendar day;
• Inter-bank payments are transfers made to a trading bank member of the national payment system or the State
Budget.
• If the constitution of a deposit is initiated in a non-banking day, the deposit will be created in the following working
day, in compliance with the processing rules and communicated limit time;
• If a currency exchange order is initiated in a non-banking day, the order will be processed considering the exchange
rate of the last working day registered, in compliance with the processing rules and the communicated limit time.
• In the last day of each month, the limit time for the intra-bank circuit is 19.30.
1
The date on which the beneficiary customer’s account is credited depends on the limit time at the level of the SENT and
REGIS systems.
1
P ayments in intra-bank system will be processed in non-banking days as well, except for the payments to authorized bill
issuing entities.
2
Small-amount, inter-bank payments in RON are processed in the SENT system (value < RON 50,000) according to the
processing rules set.
3
High-amount, inter-bank payments in RON are processed in the Regis system (value >_ RON 50,000) according to the
processing rules set.

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