Whether you run an active Romanian SRL or manage foreign shareholding structures, we assist both local residents and international entrepreneurs in securing corporate bank accounts across top Romanian credit institutions and European EMIs.
Your information is secure and will only be used to respond to your inquiry.
Navigating commercial banking in Romania can be complex due to strict Anti-Money Laundering (AML) enforcement by the National Bank of Romania (BNR) and Know Your Customer (KYC) regulations managed by the National Trade Register Office (ONRC). As an experienced corporate service provider, we do not operate as a credit institution; instead, we act as your strategic intermediary.
We translate, assemble, and structure your statutory corporate documents (Constitutive Act, ONRC Certificate of Status, UBO declarations) to meet strict underwriting criteria.
We evaluate your company's risk profile, target markets, and ownership structure to match your Romanian business with institutions most inclined to onboard your industry.
Where allowed by Romanian law and bank policies, we submit applications on your behalf under power of attorney. If a personal appearance or video verification is mandated by internal compliance, we prepare you with step-by-step briefings.
| Provider | Non-resident accepted? | Remote onboarding? | Local address/company requirements | Typical timeline |
|---|---|---|---|---|
| Banca Transilvania | Yes (Subject to strict enhanced due diligence) | No (Requires in-person branch appearance by administrator) | Romanian registered company (SRL/SA), active registered office (sediu social), proof of economic substance | 2 to 4 weeks |
| BCR (Erste Group) | Yes (Needs provider confirmation based on UBO residency) | No (Personal visit generally mandatory for signature activation) | Romanian legal entity, registered fiscal identification (CIF), verifiable domestic commercial purpose | 3 to 5 weeks |
| BRD Groupe Société Générale | Case-by-case (Needs provider confirmation) | No (Physical presence of legal representative required) | Romanian registered office, local business contracts or operational proof | 2 to 4 weeks |
| ING Bank Romania | Restricted (Strong preference for local tax resident administrators) | No (Physical appearance mandatory for legal administrator) | Romanian entity, local operational ties, standard ONRC registration certificates | 2 to 4 weeks |
| Raiffeisen Bank Romania | Case-by-case (Higher scrutiny on non-EEA residents) | No (In-person verification at local branch required) | Romanian SRL/SA, official constitutive deed, demonstrable economic ties | 3 to 6 weeks |
| Revolut Business | Yes (Subject to EEA/approved country residency of directors) | Yes (Fully digital onboarding via application) | Romanian company registration (SRL), local or EEA operating address | 3 to 7 business days |
| Wise Business | Yes (Depending on target country operational scope) | Yes (Fully remote video and document verification) | Valid Romanian company documentation, verified business activity proof | 4 to 10 business days |
Foreign and local founders operating a registered Romanian SRL or SA requiring reliable day-to-day transaction infrastructure
International business owners seeking structured corporate bank introductions with fully compliant documentation
Cross-border IT, e-commerce, consulting, and logistics firms needing multi-currency (RON/EUR/USD) treasury handling
Enterprises needing hands-on guidance to align complex ownership structures with National Bank of Romania (BNR) KYC requirements
Directors prepared to complete in-person verification at a Romanian bank branch where physical presence is mandatory
Individuals looking for anonymous, bearer-share, or shell company accounts with zero commercial substance
Businesses operating in prohibited or non-compliant industries (e.g., unlicensed gambling, unverified crypto services, adult content)
Founders seeking an absolute guarantee of bank account opening; credit institutions hold autonomous approval authority
Applicants unwilling to supply verified source of funds, business contracts, or corporate registry extracts
Directors unwilling to travel to Romania when selecting traditional brick-and-mortar institutions that enforce in-person onboarding
A valid corporate bank account in Romania requires an established legal vehicle registered with the National Trade Register Office (ONRC). If you have not yet incorporated your Romanian SRL or SA, our specialist team can coordinate your entire corporate setup from start to finish.
We analyze your Romanian corporate profile, ownership tiers, directorship residency, expected turnover, and target markets to identify the most suitable banking partners.
Our team prepares and organizes your Romanian corporate pack: ONRC certificates, Articles of Incorporation, UBO registry declarations, certified translations, and proof of legitimate business activity.
We submit your pre-cleared dossier directly to selected Romanian banks or digital EMIs. Where remote protocols apply, we guide you through digital verification; where in-person meetings are required, we schedule branch appointments.
Upon final risk approval by the financial institution, your company receives its domestic RON and multi-currency IBANs, digipass tokens, and online banking credentials to commence commercial operations.
It is critical to distinguish between the company's jurisdiction of incorporation and the director's country of personal tax residence. A company incorporated in Romania is a domestic legal entity, but if its directors or Ultimate Beneficial Owners (UBOs) reside outside Romania, local banks classify the account under Enhanced Due Diligence (EDD) protocols.
We regularly assist international entrepreneurs operating Romanian corporate structures from across major global financial corridors:
Everything you need to know about opening a corporate business bank account in Romania.
