Best Bank Accounts in Romania for Expats (2026)

How we chose these banks

We evaluated banks available to expats in Romania based on monthly fees, card costs, ATM networks, foreign exchange markups, ease of account opening for non-Romanian nationals, and app quality. Romanian banks typically require a passport, proof of Romanian address, and a CNP (cod numeric personal) for residents. EU citizens can often open accounts with just a passport.

What to look for as an expat in Romania

• RON vs EUR -- Romania uses the leu (RON). Most salaries are paid in RON. ING Romania and Banca Transilvania offer both RON and EUR accounts. For sending money abroad, Wise or Revolut provide much better exchange rates.
• Revolut dominance -- Revolut is extremely popular in Romania with millions of users. Many Romanians use it as their primary payment method alongside a local bank for salary receipt.
• ING Romania -- Often considered the best digital banking experience among local banks. Fee-free card payments, good mobile app, and English-language support. No branch visit needed to open an account.
• Card payments growing -- Card acceptance has grown significantly but cash is still needed at markets, some taxis, and smaller shops in rural areas.
• Low cost of living -- Romania has one of the lowest costs of living in the EU. Banking fees are correspondingly low, and many accounts are genuinely free.