In Romania, a bank-customer term is punctually (for a brief period) built and not for long term. The customers are looking for the best alternative, especially for a crediting product. The customer-bank relationship should be built in time and, firstly, should depend on the way in which the bank has succeed to be responsible for every client needs – payments, bills, banking transfers, banking deposit, credits, cards etc. In the advanced countries, a customer prefers working with the same bank his entirely life.

bank, banking law, customer, protection, national institutions, comunitary institutions.