Romania IBAN
A Romania IBAN is 24 characters long and Romania is in SEPA.
RO and two check digits open every Romania IBAN; its remaining 20 form the BBAN (Basic Bank Account Number).
Example Romania IBAN
Electronic format
RO49AAAA1B31007593840000
Print format
RO49 AAAA 1B31 0075 9384 0000
IBAN structure for Romania
Major banks in Romania
13 banks in Romania that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Romania IBAN questions
What is the IBAN format for Romania?
A Romanian IBAN is exactly 24 characters long. It starts with RO, 2 check digits, a 4-character alphanumeric bank code, and a 16-character account number. Example: RO49 AAAA 1B31 0075 9384 0000.
Is Romania part of SEPA?
Yes. Romania is a SEPA member, meaning euro transfers from other EU and EEA countries can be processed cheaply and quickly through the SEPA Credit Transfer scheme. However, Romania's currency is the Romanian leu (RON), so euro SEPA transfers may be converted to RON on receipt unless you hold a EUR account.
What are the bank codes for BCR, BRD, ING Romania, and Banca Transilvania?
The 4-character bank codes embedded in Romanian IBANs are: RNCB for Banca Comerciala Romana (BCR), BRDE for BRD Groupe Société Générale, INGB for ING Romania, and BTRL for Banca Transilvania. These codes uniquely identify the bank within the IBAN structure.
How do I find my IBAN at a Romanian bank?
Your IBAN is available in your bank's online banking portal or mobile app, on your bank statement, or by requesting it at a branch. BCR's George app, BRD's MyBRD app, and Banca Transilvania's BT Pay all display the full 24-character RO IBAN on the account details screen.
Can I receive RON transfers from abroad using my IBAN?
Yes, but RON transfers from outside Romania travel via SWIFT rather than SEPA. The sender needs your 24-character RO IBAN and your bank's SWIFT/BIC code. SEPA only carries EUR, so any RON transfer must go through the traditional SWIFT correspondent banking network.
Do I need a BIC code for euro transfers to Romania from the EU?
For SEPA Credit Transfers within the EU and EEA, the IBAN alone is sufficient — no BIC is required. However, for transfers from outside SEPA (for example, from the US) and for euros sent by a UK bank, the sender should include both the RO IBAN and the bank's SWIFT/BIC code to ensure correct routing.
What is Romania's domestic payment system?
Romania's National Bank (BNR) operates the ReGIS real-time gross settlement system for high-value payments and the SENT electronic clearing system for retail transactions. Both use the IBAN as the account reference. Romania also participates in SEPA Instant Credit Transfer (SCT Inst) through selected banks.
How IBAN is used in Romania
Romania uses a 24-character IBAN and is a full SEPA member, enabling low-cost euro transfers to and from other SEPA countries. The National Bank of Romania (BNR) oversees the IBAN standard and the domestic SENT (Sistemul Electronic cu decontare pe baza Neta administrat de TRANSFOND) electronic clearing system and ReGIS (Romanian electronic Gross Interbank Settlement) for high-value payments. While Romania's currency is the leu (RON), the IBAN works equally for RON and EUR accounts held at Romanian banks. Romania received over $9 billion in remittances in 2025, primarily from Italy, Spain, the UK, and Germany.
- A Romanian IBAN starts with RO, two check digits, a four-character alphanumeric bank code, and a 16-character account number. Example: RO49 AAAA 1B31 0075 9384 0000. Key bank codes: RNCB (BCR), BRDE (BRD/Société Générale), INGB (ING Romania), BTRL (Banca Transilvania), RZBR (Raiffeisen Romania), OTPV (OTP Bank Romania). The four-letter bank identifier makes it easy to spot which institution holds the account.
- Romania participates in SEPA Credit Transfer (SCT) and SEPA Instant Credit Transfer (SCT Inst). Euro payments from any EU/EEA bank arrive within seconds via SCT Inst. For RON transfers from outside Romania, payments are processed through SWIFT and may incur correspondent banking fees of €10-25. Romania's SENT system processes domestic RON transfers, typically settling same day.
- Romanians living abroad (an estimated 4+ million in Italy, Spain, UK, and Germany) commonly send remittances home via Wise, Revolut, or Western Union. When directing a transfer to a Romanian bank account, always provide the full 24-character RO IBAN. For RON-denominated payments, confirm whether the provider supports direct RON delivery or routes via EUR with a conversion at BNR's daily reference rate.
- Romania has both RON and EUR account options at most major banks. If your recipient has a EUR account (increasingly common since Romania plans to adopt the euro), sending EUR via SEPA avoids all conversion costs. If they need RON for local expenses, consider sending EUR and letting them convert locally via their banking app — Romanian banks often offer better EUR→RON rates than international transfer providers.
- Finding your Romanian IBAN: check your bank's mobile app (BT24 for Banca Transilvania, George for BCR, MyBRD for BRD), your Extras de cont (bank statement), or ask at any branch. Romanian IBANs are always 24 characters. The IBAN is required for all domestic and international transfers in Romania — the old account number format is no longer used.
Germany
Portugal
Denmark
Lithuania
Luxembourg
Croatia