What is RoPay?
RoPay is Romania's national instant mobile payment scheme, run by TRANSFOND and the Romanian Banking Association. Users pay from their banking app by QR code, deep link or phone number, and merchants receive funds in seconds. It had 10 participating banks and 8.3 million phone aliases at the end of 2025.
In detail
RoPay is Romania's national instant mobile payment scheme, run by TRANSFOND and the Romanian Banking Association. Users pay from their banking app by QR code, deep link or phone number, and merchants receive funds in seconds. It had 10 participating banks and 8.3 million phone aliases at the end of 2025.
How people pay in Romania in 2026
TRANSFOND, the national clearing house, processed 215.6 million instant payments in 2025, and its RoPay scheme brings instant mobile payments to merchants through QR codes and deep links. Installments are a national habit, from bank cards such as Star BT to BNPL from TBI Bank.
Payment by bank transfer in Romania
Romania's interbank payments run on SENT, the clearing house operated by TRANSFOND, which is owned by the BNR and 16 commercial banks. Instant payments in lei have taken over: TRANSFOND processed 215.6 million instant payments worth 306.3 billion lei in 2025, up from 138.6 million in 2024, against 148 million traditional transfers. Twenty banks offered instant payments at the end of 2025, including Revolut.
More detail in our #PayWorldTour guide Payment methods in Romania.