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Romania IBAN Number

Find the IBAN number for any bank within Romania

IBAN Calculator

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Steps to validate an IBAN

There are two different validations that can be performed to ensure an UK IBAN is correct.

  • 01
    First validation is done using the IBAN's Check Digits using the MOD97 algorithm.
  • 02
    Second layer of validation can be carried out on the domestic sort code and account number combination
  • 03
    Match the sort code against our Bank and Branch code directory to check if it exists

Found the correct IBAN, What to do next

With a Romanian IBAN to hand, run through these checks before sending.

  • 01
    Confirm the registered beneficiary name with the Romanian bank.
  • 02
    For cross-border SEPA EUR transfers, the IBAN is enough. For RON transfers, pair it with the BIC where the sending bank requires.
  • 03
    Choose the rail. For RON inside Romania, Plati Instant handles 24/7 instant transfers. For EUR, SEPA Credit Transfer or SCT Inst applies.
  • 04
    Confirm the account currency. Romanian banks commonly hold RON, EUR, and USD.
  • 05
    Send a small test transfer first for first-time corporate beneficiaries.

Common transfer mistakes to avoid for Romania

Exact beneficiary name

Must match bank records exactly to avoid rejection or delays

Correct SWIFT/BIC code

Ensures the payment routes to the right bank.

Currency match

Sending the wrong currency can trigger extra fees or failed transfers.

Active account details

Outdated or inactive accounts can result in returned payments.

IBAN Rules in Romania

  • 01
    IBAN is mandatory in Romania for every domestic and cross-border RON and EUR transfer, enforced by the National Bank of Romania (BNR).
  • 02
    The 24-character Romanian IBAN begins with RO, two check digits, a 4-letter bank code, and a 16-character account identifier.
  • 03
    Romania is in the EU and SEPA but not in the eurozone, so the leu (RON) is the domestic currency and SEPA covers EUR transactions only. The same Romanian IBAN handles SEPA EUR transfers, domestic RON flows via ReGIS or SENT, and inbound SWIFT wires. There is no parallel local account format in widespread use.

Romania Payment Schemes

Romania's payment systems are operated by the National Bank of Romania and TRANSFOND, with RoPay layered on top of Plati Instant for retail.

  • 01
    ReGIS, National Bank of Romania (BNR), RTGS for high-value RON settlement.
  • 02
    SENT (Sistemul Electronic de Transfer National), TRANSFOND, ACH for retail RON credit transfers and direct debits.
  • 03
    Plati Instant, TRANSFOND, 24/7 instant RON credit transfers, live since April 2019.
  • 04
    RoPay, TRANSFOND under BNR-approved scheme rules from July 2024, QR and phone-number mobile payment overlay on Plati Instant.
  • 05
    T2 / TARGET2-RO, Eurosystem, RTGS for EUR settlement.
  • 06
    SEPA Credit Transfer (SCT) and SEPA Instant Credit Transfer (SCT Inst), for EUR cross-border.

Search IBAN for top banks in Romania

An accurate IBAN is step one. A smarter transfer is step two.

Xflow lets you make international payments directly, quickly, affordably, and without hidden fees.

20,000+ Customers Trust Us For Their International Payments

Do you also require also require SWIFT?

Many transfers require both IBAN + SWIFT, check out our swift calculator

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Disclaimer

This tool is provided for informational purposes only. Xflow does not guarantee the accuracy or completeness of results. Always verify account details directly with your bank or beneficiary before initiating any transfer. Xflow is not liable for any losses arising from incorrect IBAN usage.

Last Reviewed: 26/05/2026

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