Banks
BCR, Banca Transilvania, BRD, ING, CEC Bank—modern online banking.
Opening an account
- Passport/ID
- CNP
- Proof of address
- Residence permit if needed
Tip
Revolut and Wise are popular for international transfers.
Payments
Contactless cards, Apple/Google Pay, Revolut widely accepted in cities.
Saving
Savings accounts, term deposits, funds, and the Bucharest Stock Exchange.
Sample monthly budget
- Rent: €200–500
- Food: €150–250
- Transport: €30–50
- Phone/internet: €20–40
- Utilities: €80–150
Payroll deductions
Income tax 16%, social contributions ~25%, health 10.5% (simplified overview).
Go deeper
Operational detail and official links—amounts and deadlines change; always confirm on the competent portal before filing or paying.
Banking basics
SEPA
Euro transfers depend on bank product; mind FX for RON/EUR.
Taxes & filings (headline)
- Payroll withholding via employer
- Self-employment: Unique Declaration where applicable
- Capital gains / crypto: follow ANAF guidance for the relevant year
Motor third-party liability & consumer rights
Digital services
Post-arrival checklist
EU/EEA
- Address registration
- Bank + phone
- CNAS registration if you leave EHIC coverage
Non-EU
- Valid permit + copies
- Tax identifiers when issued
- SPV if you have local tax duties
Note
This block complements the guide with institutional entry points—not legal or tax advice.