Payment Card Year Books

Romania 2019/2020

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Payment Organisation

TransFonD (Societatea Nationala de Transfer de Fonduri si Decontari) is the interbank processor of the Romanian electronic payment system.

Domestic Card Brand


Market Structure

Cash remains the predominant payment instrument; credit transfers and cheques are used alongside debit cards, which were first issued in 1997. Debit cards are often used for cash withdrawals.

Total cards issued rose from 2.1 million in 2001 to 17.43 million in 2018, lifting penetration to 0.89 cards per capita. Rapid growth of card use.

The banking sector is foreign-dominated, with mainly western banks accounting for 77.0% of the total bank assets.

Emerging Open Banking ecosystem

Notable Market Trends

Contactless cards and POS terminals, QR-codes, HCE NFC pilots, Mastercard MoneySend Service, M-Pesa mobile money transfer, tokenised payments.

Statistical Key Figures for 2018 provided in this profile:

UPDATED: tables with card business data 2014-2018; growth rates: Y-o-Y, CAGR
Population, Cards per Capita, Card Value per Capita
Debit Cards, Credit/Delayed Debit Cards, Total Cards
Card payments by number and by value, ATV per card, payments per card/year
ATMs, POS terminals, ATMs/POS terminals per 1 million capita
ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
POS payments by number/by value, ATV per POS payment, TXs per POS/month
Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
Issued Card brands by individual major issuer bank
Accepted card brands by individual major acquirer
Drill down into the debit card use and credit cards use details

Product information

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1.1 last updated 13th January 2020