Banks & services compared
Below is a rough comparison table of banks and financial services you can use for your company account. It includes both traditional banks and digital solutions, with direct links and a few practical notes.
These notes are subjective and can change over time. Offers, fees, and the onboarding process change often, so always check the current information on the bank's official website before deciding.
Quick comparison
| Bank / service | Online opening | Process, in short | Who it seems right for | Practical notes |
|---|---|---|---|---|
| ING Business | Yes | ING says you can open the company account online, directly from Home'Bank, with no branch visits, no documents, video calls, or photos. | SRL/PFA wanting solid digital banking and simple day-to-day operations | Good option for digital companies. Personal note: "I chose ING in 2014 for business banking". |
| Banca Transilvania | Yes | BT promotes 100% online business account opening with a video call. For eligibility it mentions SRL, SRL-D or PFA, sole shareholder/legal representative and a Romanian ID; some activities may require a branch visit. | Founders who want a large bank, a big network, and local support | Probably one of the most common choices for small companies in Romania. Good for branch access and classic business products. |
| Raiffeisen Bank | Yes | Raiffeisen promotes opening the first SME current account 100% online, with no branch visit and no video call. It has SME packages Start/Plus/Optim/Extra/Ultra. | SMEs that want business packages and a digital process | Worth checking the current offer, especially if they have promotions on maintenance or included services. |
| Revolut Business | Yes | Revolut Business is opened online and is oriented toward local/international transfers, payments, and expense management. The company must have its incorporation documents finalized and be active. | Digital companies, freelancers, teams making international payments | Very good as a digital/FX tool. I'd present it as an option to consider, but some founders may feel more comfortable also having a traditional bank. |
| Libra Internet Bank | Yes | Libra promotes opening a business current account online through its mobile banking app. | PFA, liberal professions, digital companies, online activity | Strong positioning on online banking. Worth analyzing for companies with mostly digital activity. |
| Salt Business | Yes / digital | Salt Business targets entrepreneurs with PFA, liberal professions, or SRL. Their page asks for details like company name, activity field, CUI, and email. | Small PFA/SRL that want a modern digital solution | Interesting for small, digital companies. Being a newer option, I'd recommend checking limits, fees, and support carefully. |
| CEC Bank | Yes, per recent information | CEC has an offer for legal entities, and the press reported the launch of 100% digital current account packages for SMEs and PFAs. | Companies that want a traditional bank, a large network, possibly a more classic relationship | Can be useful for founders who prefer a large Romanian bank, but the actual digital experience should be verified. |
| UniCredit | Partial / online application | UniCredit has current account packages for SMEs, including MicroStar, with variants for legal entities, start-ups, PFA, and NGOs. | Companies that want a large bank, business products, possibly international relationships | Worth checking if you work with foreign partners or want more classic business banking services. |
| BRD | Online application, later contact | BRD has an online form for Small Business where you fill in the details and the bank contacts you with a solution. It targets companies under EUR 1 million turnover, PFA, and liberal professions. | Companies that prefer a large bank and advice through a direct relationship | Looks more like an assisted process than fully self-service. Good to include, but I wouldn't position it as the most digital option. |
For a game company, foreign currency and international transfers can matter very quickly. If you work a lot with foreign platforms and publishers, a digital solution like Revolut or a bank with a good exchange rate can significantly reduce your costs.
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.