Payment Card Year Books

Romania 2020/2021

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  • Regular price £240.00

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 18.24 million in 2019, lifting penetration to 0.94 cards per capita. Rapid growth of card use. 

The banking sector is foreign-dominated, with mainly western banks accounting for 73.6% 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.


 UPDATED: tables with card business data 2015-2019; 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 


Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout. 


Version 1.1 - last updated Friday 15th January 2021