Compare Bank Accounts in Romania

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What is a bank account in Romania?

A current account (cont curent) is the everyday account you use to receive your salary, pay bills, transfer money and spend with a debit card. In Romania these are offered by traditional banks and by app-first fintechs, most bundled with a card, online and mobile banking, and direct-debit facilities. Accounts can be held in lei (RON) or in other currencies, and many are packaged with extra services in monthly tiers.

How the Romanian market works

Banks are licensed and supervised by Banca Naţională a României (BNR). Opening an account requires ID and, for residents, usually a Romanian personal numeric code (CNP). Domestic and cross-border euro transfers use the SEPA and local instant-payment systems. Competition from fintechs has pushed banks toward low-fee or free digital accounts, and many Romanians hold both a traditional bank account for salary and lending and a fintech account for spending and FX.

Benefits

Everyday money management — receive salary, pay bills and transfer funds from one account.

Card and mobile banking — a debit card plus app control for payments and instant transfers.

Direct debits and standing orders — automate recurring bills and utility payments.

Low-cost digital tiers — banks like ING and fintechs like Revolut offer free or cheap accounts managed entirely in-app.

Access to further products — a main account is the gateway to overdrafts, cards, loans and savings with the same bank.

How to choose

Compare the monthly account fee against what you actually get: free transfers, ATM withdrawals, card issuance and cash operations, and whether crediting your salary waives the fee. If you receive a salary, check whether routing it to the bank waives fees or unlocks better lending. Consider FX terms if you spend abroad, the ATM network, and the quality of the mobile app. Fintech accounts suit spending and travel; a full bank suits salary, credit and branch support.

Leading providers in Romania

ING Romania, Banca Transilvania, BCR (Banca Comercială Română), BRD – Groupe Société Générale, Raiffeisen Bank Romania, CEC Bank, Garanti BBVA Romania and Libra Internet Bank offer current accounts, with Revolut a leading digital alternative. ING and Banca Transilvania are noted for strong mobile banking, CEC Bank for wide branch coverage including smaller towns, and Revolut for low-cost FX and instant spending features.

What it costs

Current-account fees in Romania range from free digital accounts up to around 49 RON per month for premium packages that bundle extra services, with individual transfers, ATM withdrawals and cash operations sometimes priced separately. Many banks waive the monthly fee if your salary is credited or a minimum activity is met. There is no cost to compare accounts before opening one.

Protections and regulation

Banks are supervised by BNR, and current-account balances at Romanian banks are covered by the Fondul de Garantare a Depozitelor Bancare (FGDB) up to the equivalent of 100,000 EUR per depositor per bank. Fintech accounts from e-money institutions like Revolut safeguard funds in segregated accounts rather than under FGDB, so protection differs. Payment-services rules give you rights on unauthorised transactions and refunds. Complaints escalate from the bank to BNR or ANPC.

Common questions

Are fintech accounts as safe as bank accounts? Funds are safeguarded but not FGDB-covered like bank deposits; the protection mechanism differs.

Can I get a free account? Yes; several banks and fintechs offer free or fee-waived digital accounts.

Can I open one online? Many banks and all major fintechs allow fully digital onboarding.

What do I need to open an account? Valid ID and, for residents, usually a Romanian personal numeric code (CNP); banks may ask for proof of address.

Bank Accounts in Romania — FAQ