Compare Business Banking in Romania

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20 live offers compared from 11 providers, from RON 0. Updated daily.

What is business banking in Romania?

Business banking covers the current accounts, payment tools, cards and financing that companies and self-employed people (PFA, SRL, II) use to run day-to-day operations in Romania. A business account keeps company money separate from personal funds, lets you issue and receive transfers, pay taxes to ANAF and accept card payments. Providers range from full-service banks with relationship managers to app-first fintechs aimed at freelancers and micro-firms.

How the Romanian market works

Banks are licensed and supervised by Banca Naţională a României (BNR). Opening an account requires company registration documents from the Oficiul Naţional al Registrului Comerţului (ONRC), the CUI/CIF tax code and identification of beneficial owners under anti-money-laundering rules. Most domestic transfers run through instant SEPA and the local ReGIS/SENT systems, and companies must also file VAT and other declarations electronically. Many banks tier their monthly fee by transaction volume.

Benefits

Clean separation — company income and spending sit apart from personal money, simplifying accounting and ANAF filings.

Integrated payments — SEPA transfers, standing orders and POS card acceptance in one platform.

Financing access — overdrafts, working-capital lines and business cards from your main bank.

Digital onboarding — fintechs like Revolut Business let PFAs and micro-SRLs open an account remotely in minutes.

Multi-currency invoicing — hold and receive EUR or other currencies if you trade or sell abroad, avoiding repeated conversion costs.

How to choose

Weigh the monthly package fee against how many free transfers, cash operations and cards you actually need, and think ahead to how your transaction volume will grow. Freelancers with few transactions may prefer a low or zero monthly fee, while a trading company benefits from a higher package with bundled transfers. Check foreign-exchange margins if you invoice abroad, POS terms if you take cards, and whether the bank integrates with Romanian accounting software.

Leading providers in Romania

Banca Transilvania and BCR (Banca Comercială Română) are the largest by client base, with strong SME lending and branch coverage. Raiffeisen Bank Romania, ING Romania, Garanti BBVA Romania, CEC Bank and Libra Internet Bank all court businesses, Libra being popular with liberal professions and agriculture. Revolut Business serves freelancers and micro-companies that want fast digital onboarding, multi-currency accounts and low-cost FX, though it is not a substitute for a lender when you need credit.

What it costs

Monthly business-account packages in Romania commonly range from free entry tiers up to around 99 RON per month for higher-volume bundles, with individual transfers, cash deposits and card issuance priced on top. Fintech plans often start at zero and charge per feature. Always read the tariff sheet: cash handling and international payments are where costs add up.

Protections and regulation

Banks are supervised by BNR and must apply strict KYC/AML checks. Business current-account balances at Romanian banks are covered by the Fondul de Garantare a Depozitelor Bancare (FGDB) up to the EU-standard equivalent of 100,000 EUR per depositor per bank, including eligible company deposits. E-money and payment institutions such as Revolut safeguard client funds separately rather than under FGDB, so confirm how your provider is licensed.

Common questions

Can a PFA open a business account? Yes; sole traders and liberal professions can open accounts with both banks and fintechs.

Is a business account legally required? An SRL must have a bank account; a PFA is strongly advised to keep one for clean bookkeeping.

Can I get a loan through my bank? Yes; SME overdrafts and working-capital lines are core products at the traditional banks listed above.

What documents do I need to open one? Company registration from ONRC, the CUI/CIF tax code, ID for the beneficial owners, and proof of activity for anti-money-laundering checks.

Business Banking in Romania — FAQ