🇷🇴Payment Platforms for Romania Freelancers

Romania is an EU member state with a relatively open banking framework for international service-export receipts. Banca Transilvania, BCR, BRD, and Raiffeisen Bank Romania all process SWIFT and SEPA wire transfers without special authorization for freelance amounts. Romanian freelancers commonly operate as PFA (Persoană Fizică Autorizată) — a sole trader structure — or as a micro-company (SRL with micro-taxation), each carrying different social-contribution and income-tax implications. Wise and Revolut both have Romanian lei support and are popular among digital freelancers.

• The micro-company (SRL) structure with 1% or 3% micro-taxation on turnover is tax-efficient for freelancers earning above RON 100,000 per year — consult a local accountant to compare it with the PFA option for your income level.
• Banca Transilvania offers fast onboarding for PFA accounts and processes SWIFT wires reliably; it's the most commonly recommended bank among Romanian freelancers in online communities.
• Revolut has a full Romanian banking license and supports IBAN accounts in RON — clients can use Revolut's EUR or GBP transfer options to pay you with minimal fees on their end.
• VAT registration is mandatory at RON 300,000 annual turnover; services to EU business clients may be subject to reverse-charge regardless of your VAT status, so verify per-client tax obligations.
• ANAF (the tax authority) has increased digital reporting requirements — ensure your e-invoice (e-Factura) setup is in place if you operate as an SRL, as paper invoicing is being phased out for B2B transactions.