The study examines banking contracts as legal instruments specific to credit institutions, emphasizing their complexity and the difficulty of strict classification. The Civil Code regulates four main contracts–current account, bank deposit, credit facility, and safe deposit box rental–but this framework is largely indicative, as real banking products combine elements from multiple legal institutions and revolve around credit risk. Within this...

The bank current account contract plays a very important part with regard to the operational activity of companies. The challenges affecting its conclusion and, moreover, its performance raise the question whether, despite the regulation of the Civil Code, one is not rather dealing with a legal situation. Also, the analysis of the bank current account contract requires its legal qualification from the perspective of the account beneficiary’s w...