Basically, an overdraft is still a kind of credit, but easier to take out. In Romanian it's "descoperire de conto". It means that the bank gives you a line of credit (money that you can access at any time, with less effort than credit) worth up to 6 salaries. 

An overdraft has several advantages over a traditional loan. For example, the bank doesn't charge fees and charges if you don't use the amount you're given. And you only pay interest on the money you've spent, and when you pay back the amount you've used from your credit line, you can use it again immediately. Plus, it's easy to get: 

You can get it online from BT Pay or take your ID to the bank, and if you cash your income at work at the bank, you don't need any documents from work.

This line of credit begins to be drawn when you run out of your own funds on the account.

Overdraft currency is RON 💰