BANK ACCOUNT
After you register the company, the next practical step is to open a business bank account. You will either go to a branch or start the process online, if the bank supports it, with your company documents and the personal documents requested by the bank.
People usually choose a bank for two reasons: familiarity and efficiency. Many founders choose the bank where they already have a personal account because the app is familiar, they already have a relationship with the bank, and the process feels easier. For a company, though, it is worth checking how much the bank helps your day-to-day work.
For a game studio or digital business, things like the business banking app, monthly fees, international transfers, currency exchange, accounting integration, company cards, recurring payments, and foreign income can matter quickly.
I chose ING in 2014 because, at that time, it felt like one of the more advanced business banking systems. The web interface has become a little more complicated since then, but the overall product experience is still an important criterion when choosing a bank. Later pages can include practical notes about different banks, not as absolute recommendations, but as observations based on the needs of a digital company.
Choosing the right bank
When choosing a company bank, look at:
- How easy the business banking app is to use
- What monthly fees exist
- How much RON and foreign currency transfers cost
- How good the exchange rate is
- How easy it is to get company cards
- Whether you can do operations online without unnecessary branch visits
- How quickly business support responds
- How well the bank fits your workflow
For a game company, foreign currency can become important quickly. You may receive money from international platforms, publishers, foreign clients, or collaborators from other countries. Do not look only at the most familiar bank. Look for the bank that reduces your administrative friction.
For a comparison of banks and services, with links and practical notes, see Banks & services compared.
Documents you usually need
The exact documents differ from bank to bank, but in general they may ask for:
The best approach is to check the exact list on the bank's website or talk to a consultant before going to a branch. In many cases, banks can start the process online, but you may still need extra validation, signatures, or a physical visit depending on the bank and company type.
Next step
After choosing the bank, save the bank name, SWIFT/BIC, and IBANs in MY OWN COMPANY DETAILS. You will reuse them in platform accounts, contracts, invoices, and verification forms.