Plăți instantInstant rail in Romanian leu, settling in under 10 seconds, 24/7/365. It is separate from euro SCT Inst: since Romania is outside the euro area, domestic instant payments and SEPA instant payments run on two separate rails.TRANSFOND S.A. · since 2019
Global registry · Europe · Central and Eastern Europe
Romania Payment systems
5 systems listed.
CurrencyRomanian leu (RON)
RegulatorBanca Națională a României (BNR)
Leading payment methods
CardsCash (cash on delivery)WalletsA2A
E-commerce shares
Cards · 40%Cash · 25%Wallets · 20%Account-to-account · 8%Other · 4%Buy now, pay later · 3%
Ramburs (cash on delivery). Cash on delivery remains an institution in Romanian e-commerce, even as it gives way to cards and wallets.
Cash on delivery in e-commerce≈25% of payments
In-store cash shareamong the highest shares in the EU
One of the European markets where cash still carries the most weight, but the growth of contactless and of BLIK (launched in 2024) is speeding up the shift.
IBAN · Romania
24 charactersSEPA area47 bank codes263 BIC codes
- Total length
- 24 characters
- Bank code position
- 5–8
- BBAN structure
4!a16!c
Structurally valid example
ROcountry code49check digitsAAAAbank1B31007593840000account
RO49 AAAA 1B31 0075 9384 0000
Learn about this market. The guides and courses that cover it.
Merchant, acquirer, PSPPayment regulationCentral banks and payment infrastructuresAgents, distributors, and banking-as-a-service: who is liable for whatPayments in the BalkansPayments in the Baltics and FinlandAccepting payments in Germany, Austria, and SwitzerlandAccepting payments in Spain and PortugalChoosing a jurisdiction for your payment institutionAccepting payments in the Netherlands and BelgiumAccepting payments in the NordicsAccepting payments in Poland and Central Europe
Instant payments
Clearing and settlement
SENTBulk clearing house in RON and EUR. It also runs the instant payment module (“Plăți instant”).TRANSFOND S.A. · since 2005
Interoperable QR
RoPayA national payment initiation layer built on Plăți instant: QR, deep link, NFC, and phone number as an IBAN proxy. Romania’s version of the Hungarian (qvik) and Polish (BLIK) strategies, and a single integration point any merchant in Romania should watch.TRANSFOND S.A. · since 2025
Acquiring and processing
NETOPIA Payments (mobilPay)Romania’s leading e-commerce acquirer, with the mobilPay Wallet and SMS payments. Its BNR payment institution license takes it beyond the status of a mere technical service provider, and makes it the first documented acquirer for Romania.NETOPIA Financial Services S.A. (group founded in 2003 by Antonio Eram and Felix Crișan; Innova Capital took a majority stake in 2023; licensed as a payment institution by the National Bank of Romania (BNR) under number IP-RO-0018 in July 2026) · since 2003More than 25,000 e-commerce merchants served and more than 25% of online card transactions in Romania (NETOPIA, 2026)
Other
ReGISRomanian leu RTGS. TRANSFOND, owned by the BNR (National Bank of Romania) and the commercial banks, runs all of Romania’s payment infrastructure, a mixed governance model worth knowing.Banca Națională a României (BNR) (operated by TRANSFOND S.A.) · since 2005