HowToIRCC: current value and history
Romania's reference index for RON consumer loans (indicele de referință pentru creditele consumatorilor), calculated and published by the National Bank of Romania: the quarterly value applicable today and the daily values. Free over REST and MCP.
Source: Banca Națională a României (bnr.ro). Values are taken unchanged. Informational: the value in your contract (or BNR's own publication) prevails.
IRCC (% per annum)
calculated for 2026-Q2
published by BNR on the next banking day
The quarterly IRCC is the arithmetic mean of the daily values of a quarter and applies in the second following quarter (for example, the Q2 value applies from 1 October to 31 December). The daily IRCC is the volume-weighted average interest rate of interbank deposit transactions.
| Calculated for | IRCC | Applies |
|---|---|---|
| 2026-Q2 | 5.57 | 2026-10-01 – 2026-12-31 |
| 2026-Q1 | 5.56 | 2026-07-01 – 2026-09-30 |
| 2025-Q4 | 5.58 | 2026-04-01 – 2026-06-30 |
| 2025-Q3 | 5.68 | 2026-01-01 – 2026-03-31 |
| 2025-Q2 | 6.06 | 2025-10-01 – 2025-12-31 |
| 2025-Q1 | 5.55 | 2025-07-01 – 2025-09-30 |
| 2024-Q4 | 5.55 | 2025-04-01 – 2025-06-30 |
| 2024-Q3 | 5.66 | 2025-01-01 – 2025-03-31 |
API history: daily values from 1 October 2018, quarterly from Q4 2018.
Query it via the API
Free, no API key and no credits. Limit: 120 requests per minute per IP; responses are cached for up to 15 minutes.
curl "https://api.howtoromania.io/v1/rates/ircc"
curl "https://api.howtoromania.io/v1/rates/ircc?date=2025-06-15"
curl "https://api.howtoromania.io/v1/rates/ircc/history?type=quarterly"
Every response includes the source (Banca Națională a României, bnr.ro), the value date and the note “Informational; values unchanged from BNR source”. History is requested in ranges of up to 366 days. Docs · OpenAPI
In AI agents (MCP)
{ "mcpServers": { "howtoromania": { "url": "https://api.howtoromania.io/mcp", "headers": { "Authorization": "Bearer htr_demo" } } } }
The MCP tools are free, but the MCP server needs a key; the demo key htr_demo works. Ask your agent: “Which IRCC applies to variable-rate RON loans now, and what was it last quarter?”
FAQ
Which IRCC applies to my loan?
Your loan contract sets the index and the margin. The values here are informational; the value in your contract prevails.
Why does the daily value differ from the applicable one?
The applicable value is the average of a quarter that ended two quarters earlier; the daily value only reflects that day's market.
Is this a BNR service?
No. HowToRomania is an independent service, not affiliated with any public authority. We take the data BNR publishes and return it unchanged.