Basically, an overdraft is a type of credit, but easier to obtain. In Romanian, it is called "descoperire de cont" (account discovery). This means that the bank gives you a line of credit (money that you can access at any time, with less effort than a loan) worth up to 6 salaries, attached to your current account. 

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 used when you run out of your own funds on your account. The amount used is automatically replenished when you top up your account. 

Overdraft currency is RON 💰