Digital banks in Romania are rapidly reshaping how individuals and businesses manage money. From faster onboarding to app-first experiences and lower fees, digital banking is quickly becoming the standard for both personal users and those searching for the best business banks in Romania..
In this guide, we break down the top 6 options transforming the Romanian financial landscape. Each one brings its own mix of innovation, convenience, and business-ready features, so you can quickly see which platforms are actually leading the shift.
Overview of Digital Banking in Romania
businesses looking for faster, more flexible financial tools. Mobile-first platforms are becoming the norm, while AI-powered features and advanced security systems are reshaping how users interact with their money.
These shifts are making banking more efficient and accessible, with lower costs, real-time control, and smarter financial management tools. For a tech-savvy population, digital banking is no longer just an alternative—it’s increasingly becoming the default.
Below, we break down the 6 best digital banks in Romania, highlighting the platforms leading this shift and what makes each one worth considering.
The 6 best digital banks in Romania
1. OneSafe — Best Digital Bank in Romania for Web3 & Crypto Businesses
OneSafe offers a comprehensive suite of services tailored for global businesses, including corporate cards, DAO services, and Web3 invoicing. Its unique features, such as multi-currency support and seamless payments, make it an ideal choice for companies operating in both traditional and Web3 financial ecosystems.
OneSafe stands out by supporting both fiat and crypto transactions, providing instant conversions between the two. This versatility, combined with state-of-the-art security measures and user-friendly interfaces, makes it particularly beneficial for businesses in Romania looking to streamline their financial operations.
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But if crypto isn't your world, here's where it gets interesting:
2. Revolut — Mobile Bank in Romania for Everyday Spending & Investing
Revolut offers a comprehensive suite of financial services tailored to meet diverse needs. Users can choose from various personal account plans, including Standard, Plus, Premium, Metal, and Ultra, each offering unique benefits. Additionally, Revolut provides specialized accounts for users under 18, ensuring financial inclusivity for younger generations.
For businesses, Revolut offers dedicated accounts designed to streamline financial operations. Key features include easy money transfers, bill splitting, and customizable saving pockets. Users can also invest in stocks, cryptocurrencies, and commodities, all while enjoying advanced security measures to protect their funds.
3. ING Bank — Digital Banking in Romania for Full-Service Personal Finance
ING Bank offers a diverse range of personal banking services tailored to meet individual needs. Key offerings include various types of accounts and cards, such as ING Card Complet, Free@ING, and virtual cards. The bank also provides comprehensive internet banking services through its Home'Bank platform, featuring cashback options, secure online payments, and mobile payment solutions like Apple Pay and Google Pay.
In addition to everyday banking, ING Bank excels in providing financial products like personal loans, mortgage loans, and refinancing options. Customers can also benefit from savings and investment products, including term deposits and mutual funds. The bank's insurance offerings cover home, life, health, and credit protection, ensuring a well-rounded financial service portfolio.
Now, what if you want a bank that's been built from the ground up for Romania? Here's the local answer:
4. Banca Transilvania — Romanian Bank for Local Business & Youth Accounts
Banca Transilvania offers a comprehensive range of services for both personal and business customers. Key offerings include various types of loans, such as personal, real estate, and overdraft loans. The bank also provides a selection of cards, including shopping cards, cards in lei, and youth cards.
For savings and investments, Banca Transilvania offers savings accounts, term deposits, and investment funds. Additionally, the bank excels in digital banking with apps like BT Pay and NeoBT, and provides specialized services through its Private Banking and Premium Club. Insurance options cover travel, life, and loan-related insurance.
5. Raiffeisen Bank — Mobile Banking in Romania for Loans & Business Support
Raiffeisen Bank offers a comprehensive suite of services tailored to meet the needs of various customer segments. Key offerings include current and savings accounts, shopping cards with fixed-rate installments, and personal loans available through the Smart Mobile app. The bank also provides mortgage loans with fixed interest rates for the first three years.
For businesses, Raiffeisen Bank offers specialized products such as business accounts, European financing programs, and card acceptance solutions. Additionally, the bank emphasizes personalized banking through its "Banking 1:1" service and supports community initiatives via the Raiffeisen Communities program.
6. BRD – Société Générale — Digital Bank in Romania for Corporate & Capital Markets
BRD - Groupe Société Générale offers a wide range of services for individuals, including cards and accounts, personal and housing loans, and savings and investment products. The bank also provides robust online banking platforms like MyBRD Net and YOU, ensuring seamless digital banking experiences for its customers.
For companies, BRD offers current account packages, digital solutions, and business cards, along with secure international transaction services. The bank also caters to financial markets with services in currency and money markets, capital markets, and comprehensive financial reports, making it a versatile choice for diverse financial needs.
Common questions about digital banking in Romania
What is the best mobile bank in Romania for everyday use?
Revolut and ING Bank are consistently rated the best mobile banks in Romania for daily transactions, bill splitting, and app usability. Revolut is stronger for international use, while ING is better for local integration.
Are digital banks in Romania safe and regulated?
Yes. Banks like ING, Banca Transilvania, Raiffeisen, and BRD are regulated by the National Bank of Romania (BNR). Revolut operates under a European banking license. Always check the regulatory status before opening an account.
Can I open a digital bank account in Romania as a non-resident?
Revolut and OneSafe are the most flexible options for non-residents. Traditional Romanian banks like BT and BRD typically require a local address or fiscal code (CNP).
Which digital bank in Romania is best for businesses?
OneSafe is best for businesses handling crypto or international payments. Revolut Business and Raiffeisen are strong for standard SME operations. Banca Transilvania and BRD are preferred for larger local enterprises needing branch support.
Move beyond traditional banking in Romania with OneSafe
Romanian businesses don’t need to be limited by slow transfers, fragmented systems, or banking that wasn’t built for modern operations. OneSafe brings fiat and crypto together in one platform, with instant conversions, multi-currency support, and streamlined financial control.
If you’re ready to simplify cross-border payments and upgrade how your business handles money, open your OneSafe account today and experience a faster, more flexible way to bank.
