# BRD - Groupe Societe Generale

> Source: https://docs.barcoder.ai/docs/wallets/brd-romania
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [BRD — official](https://www.brd.ro/)

## Overview

**BRD Groupe Société Générale (YouBRD)** is Romania's BRD Groupe Société Générale mobile banking platform + **YouBRD Dec 31 2025 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY** + **1.06M cashback loyalty program enrolled customers end-2025** + **net profit RON 1.546B 2025 +6% YoY** + **Société Générale French parent ~60% controlling** <sup>[1][1], [2][2], [Romania report](https://docs.barcoder.ai/docs/payments/RO)</sup>. **2025 baseline**: YouBRD Dec 31 2025 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY; **1.06M cashback loyalty program enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024** distinctive Romanian banking cashback loyalty program; **YouBRD multicurrency feature for streamlined payments and reduced conversion fees + partial early repayments of loans** distinctive Romanian mobile banking features.

**Distinctive BRD Groupe Société Générale positioning**:
- **One of Romania's largest commercial banks** (BRD - Groupe Société Générale S.A.; BVB: BRD; Société Générale French parent ~60% controlling)
- **YouBRD Dec 31 2025 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY** distinctive Romanian mobile banking penetration
- **1.06M cashback loyalty program enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024** distinctive Romanian banking cashback loyalty program
- **Net profit RON 1.546B 2025 +6% YoY** distinctive Romanian banking profitability scale
- **Société Générale French parent ~60% controlling** distinctive French-Romanian banking dominant relationship
- **YouBRD multicurrency feature for streamlined payments and reduced conversion fees + partial early repayments of loans** distinctive Romanian mobile banking features
- **1923 BRD Groupe Société Générale founding** as Romanian commercial bank → 1999 Société Générale ~50% stake acquisition + 2001 BVB IPO + 2003 Société Générale majority controlling

## History

**1923 — BRD Groupe Société Générale founded** as Romanian commercial bank.

**1999 — Société Générale ~50% stake acquisition** post-Romanian banking modernization.

**2001 — BRD Groupe Société Générale IPO on BVB (Bucharest Stock Exchange)**.

**2003 — Société Générale majority controlling** distinctive French-Romanian banking dominant relationship.

**2018 — YouBRD mobile banking app launches** as Romanian mobile-first banking.

**June 2024 — YouBRD cashback loyalty program launch** distinctive Romanian banking cashback loyalty program.

**Dec 31 2025 — YouBRD 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY + 1.06M cashback loyalty program enrolled customers + RON 3.9M cashback granted since launch in June 2024 + net profit RON 1.546B 2025 +6% YoY** <sup>[1][1], [2][2], [3][3]</sup>.

## Ownership & operator

**Operating entity**: **BRD - Groupe Société Générale S.A.** (BVB: BRD; Société Générale French parent ~60% controlling; one of Romania's largest commercial banks).

**Major shareholders**: **Société Générale S.A. (ENXTPA: GLE; French parent) ~60% controlling + Romanian retail + institutional + foreign investors**.

**Regulators**: **BNR (Banca Națională a României / National Bank of Romania) + ECB**.

## Technical integration

YouBRD mobile banking app (iOS + Android; 1.87M users Dec 31 2025 +13% YoY; 38.2M transactions +25% vs 2024; RON 63.8B +47% YoY) + brd.ro online + BRD branch network Romania + BRD Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch); **YouBRD multicurrency feature for streamlined payments and reduced conversion fees + partial early repayments of loans** distinctive Romanian mobile banking features + **YouBRD cashback loyalty program (1.06M enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024)** distinctive Romanian banking cashback loyalty program.

## Users & growth

**Dec 31 2025**: YouBRD 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY; **Q1 2025**: YouBRD 1.76M users +19% YoY + 8.6M transactions +20% YoY; **9M 2025**: YouBRD 1.83M users +15% YoY + RON 45.7B during 9-month period +52% YoY; **1.06M cashback loyalty program enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024**.

## Use cases

Romanian retail + private + SME + commercial + multicurrency + cashback loyalty banking via YouBRD mobile + brd.ro online + BRD branch network + Visa/Mastercard cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch); **YouBRD multicurrency feature for streamlined payments and reduced conversion fees + partial early repayments of loans** distinctive Romanian mobile banking features + **YouBRD cashback loyalty program (1.06M enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024)** distinctive Romanian banking cashback loyalty program.

## Implementations & partners

**Operator**: BRD - Groupe Société Générale S.A. (BVB: BRD; Société Générale French parent ~60% controlling; one of Romania's largest commercial banks); Société Générale S.A. (ENXTPA: GLE; French parent) ~60% controlling + Romanian retail + institutional + foreign investors.

**Société Générale Group global ecosystem**: [L'Appli SG (Société Générale)](https://docs.barcoder.ai/docs/wallets/societe-generale) (Société Générale French parent) + [BoursoBank (Boursorama)](https://docs.barcoder.ai/docs/wallets/boursobank) (Boursorama French digital bank subsidiary of Société Générale; 8.4M customers Jul 2025) + [Komerční banka (KB)](https://docs.barcoder.ai/docs/wallets/komercni-banka) (Komerční banka Czech Republic; Société Générale CZK subsidiary).

**Major Romanian banking competitors**: [Banca Transilvania (BT) / BT Pay](https://docs.barcoder.ai/docs/wallets/banca-transilvania) (Romania's largest commercial bank by assets; BVB: TLV; ~4M+ customers) + [Banca Comerciala Romana (BCR)](https://docs.barcoder.ai/docs/wallets/banca-comerciala-romana) (Banca Comercială Română; Erste Group Austrian parent subsidiary; one of Romania's largest commercial banks) + ING Bank Romania (ING Bank Romania; ING Group Dutch parent subsidiary) + [Raiffeisen Bank Romania](https://docs.barcoder.ai/docs/wallets/raiffeisen-romania) (Raiffeisen Bank Romania; Raiffeisen Bank International Austrian parent subsidiary) + UniCredit Bank Romania (UniCredit Bank Romania; UniCredit Italian parent subsidiary) + CEC Bank (Romanian state-controlled commercial bank; CEC Bank S.A.; 1864 founding) + Alpha Bank Romania (Alpha Bank Romania; Alpha Bank Greek parent subsidiary) + [OTP Bank Romania](https://docs.barcoder.ai/docs/wallets/otp-romania) (OTP Bank Romania; OTP Bank Hungarian parent subsidiary) + [Revolut](https://docs.barcoder.ai/docs/wallets/revolut) (UK global expansion to RO).

**Regulators**: BNR + ECB.

## Fun facts

- **One of Romania's largest commercial banks** (BRD - Groupe Société Générale S.A.; BVB: BRD; Société Générale French parent ~60% controlling).
- **YouBRD Dec 31 2025 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY** distinctive Romanian mobile banking penetration.
- **1.06M cashback loyalty program enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024** distinctive Romanian banking cashback loyalty program.
- **Net profit RON 1.546B 2025 +6% YoY** distinctive Romanian banking profitability scale.
- **Société Générale French parent ~60% controlling** distinctive French-Romanian banking dominant relationship.
- **YouBRD multicurrency feature for streamlined payments and reduced conversion fees + partial early repayments of loans** distinctive Romanian mobile banking features.
- **1923 BRD Groupe Société Générale founding** as Romanian commercial bank → 1999 Société Générale ~50% stake acquisition + 2001 BVB IPO + 2003 Société Générale majority controlling.

## Comparison

| Feature | BRD Groupe Société Générale | [Banca Transilvania (BT) / BT Pay](https://docs.barcoder.ai/docs/wallets/banca-transilvania) (Romania's largest commercial bank by assets rival; BVB: TLV; ~4M+ customers) | [Banca Comerciala Romana (BCR)](https://docs.barcoder.ai/docs/wallets/banca-comerciala-romana) (Banca Comercială Română rival; Erste Group Austrian parent subsidiary) | ING Bank Romania (ING Bank Romania rival; ING Group Dutch parent subsidiary) | [Raiffeisen Bank Romania](https://docs.barcoder.ai/docs/wallets/raiffeisen-romania) (Raiffeisen Bank Romania rival; Raiffeisen Bank International Austrian parent subsidiary) |
|---|---|---|---|---|---|
| Operator | **BRD - Groupe Société Générale S.A. (BVB: BRD; Société Générale French parent ~60% controlling; one of Romania's largest commercial banks)** | Banca Transilvania S.A. (BVB: TLV; Romania's largest commercial bank by assets) | Banca Comercială Română (Erste Group Austrian parent subsidiary) | ING Bank Romania (ING Group Dutch parent subsidiary) | Raiffeisen Bank Romania (Raiffeisen Bank International Austrian parent subsidiary) |
| Type | **One of Romania's largest commercial banks + YouBRD Dec 31 2025 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY + 1.06M cashback loyalty program enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024 + net profit RON 1.546B 2025 +6% YoY + Société Générale French parent ~60% controlling** | Romania's largest commercial bank by assets + ~4M+ customers + BT24 Mobile Banking app | One of Romania's largest commercial banks + George digital banking platform (Erste Group) | ING Bank Romania mobile banking | Raiffeisen Bank Romania mobile banking |
| Country | RO | RO | RO | RO | RO |
| Distinctive | **1923 BRD Groupe Société Générale founding; 1999 Société Générale ~50% stake acquisition; 2001 BRD Groupe Société Générale IPO on BVB; 2003 Société Générale majority controlling; 2018 YouBRD mobile banking app launch; June 2024 YouBRD cashback loyalty program launch; Dec 31 2025 YouBRD 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY** | 1994 Banca Transilvania founding; 2017 Banca Transilvania + Bancpost merger; 2019 Banca Transilvania + Volksbank Romania acquisition | 1990 Banca Comercială Română founding; 2006 Erste Group BCR acquisition | 1994 ING Bank Romania founding | 1998 Raiffeisen Bank Romania founding |

## Status

**Active, one of Romania's largest commercial banks + YouBRD Dec 31 2025 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY + 1.06M cashback loyalty program enrolled customers end-2025 + net profit RON 1.546B 2025 +6% YoY** <sup>[1][1], [2][2], [3][3]</sup>:
- **BRD - Groupe Société Générale S.A. (BVB: BRD; Société Générale French parent ~60% controlling; one of Romania's largest commercial banks)** since 1923 BRD Groupe Société Générale founding + 1999 Société Générale ~50% stake acquisition + 2001 BRD Groupe Société Générale IPO on BVB + 2003 Société Générale majority controlling + 2018 YouBRD mobile banking app launch + June 2024 YouBRD cashback loyalty program launch.
- **YouBRD 1.87M users +13% YoY + 38.2M transactions +25% vs 2024 + RON 63.8B +47% YoY**.
- **1.06M cashback loyalty program enrolled customers end-2025 + RON 3.9M cashback granted since launch in June 2024**.
- **BNR + ECB regulated**.

## Sources

[1]: https://www.bvb.ro/infocont/infocont25/BRD_20251030075448_BRD-Q3-2025-Report-EN.pdf "BRD-GROUPE SOCIETE GENERALE Q3 2025 Report — BVB"
[2]: https://business-review.eu/money/banking/brd-group-net-result-reachead-ron-1-54-billion-in-2025-up-6-compared-to-2024-293204 "BRD Group net result reachead RON 1.54 billion in 2025, up 6% compared to 2024 — Business Review"
[3]: https://bankingnews.ro/rezultate-financiare-brd-2025.html "În 2025, BRD a făcut un profit net de 1,546 miliarde de lei — BankingNews"
[ro-cro]: https://docs.barcoder.ai/docs/payments/RO

- [1] [BRD-GROUPE SOCIETE GENERALE Q3 2025 Report — BVB][1]
- [2] [BRD Group net result reachead RON 1.54 billion in 2025, up 6% compared to 2024 — Business Review][2]
- [3] [În 2025, BRD a făcut un profit net de 1,546 miliarde de lei — BankingNews][3]
- <sup>[Romania report](https://docs.barcoder.ai/docs/payments/RO)</sup> In-corpus: `reports/countries/RO-romania.md`

## Source

Biography extracted from [brd-romania.md](https://docs.barcoder.ai/source/wallets/brd-romania). See `matrix.md` for standards-support matrix if present.