🧾 Compliance & accounting

Opening a Business Bank Account in Romania

After incorporating your Romanian SRL, you’ll need a business bank account — to deposit share capital and run the company’s payments. For non-residents this is often the trickiest step, so here’s what to expect.

Documents you’ll typically need

• the registration certificate (CUI) and articles of association;
• the director’s passport/ID;
• proof of the registered office;
• sometimes a brief description of the business activity and expected flows (KYC).

Traditional banks vs. EMIs

• Romanian banks — full local IBAN, best for local operations; may require an in-person visit or a notarised power of attorney for non-residents, and stricter KYC.
• EMIs / fintech accounts (e.g. EU electronic-money institutions) — often fully remote and fast to open; great to start, though some local operations may still benefit from a traditional bank account.

Note: account opening, KYC requirements and remote options vary by bank and change over time. We help match you to options that realistically accept non-resident-owned Romanian companies.

What to check

• fees (monthly, per transaction, FX);
• remote onboarding availability for non-residents;
• multi-currency support (useful for EU/international clients);
• integration with accounting/invoicing.

We guide the whole journey

We handle the company formation and guide you to banking options that work for non-residents — plus ongoing accounting in English.