IBAN
Romania uses IBAN as the primary account identifier for domestic and international transfers. Romanian IBANs are 24 characters long and include a 4-letter bank code. The National Bank of Romania (BNR) oversees the SENT instant payment system and ReGIS settlement.
At a glance
Country
Romania
Identifier
IBAN
Format
24 characters
Used for
Domestic transfers
Format breakdown
RO
Country
1–2
Country code
49
Check Digits
3–4
Checksum validation
BTRL
Bank Code
5–8
Institution (e.g. BTRL = Banca Transilvania)
0000000000000001
Account
9–24
Account number
How it works
The Romanian IBAN contains the country code (RO), 2 check digits, a 4-letter bank code (BIC shorthand), and a 16-character account number. SENT handles retail payments while ReGIS provides real-time gross settlement for high-value transfers.
Where to find yours
In your online banking app, on your bank statement, or on your bank card. Romanian IBANs start with RO.
Payment systems in Romania
| System | Speed | Description |
|---|---|---|
| SENT Instant | Under 10 seconds | Instant RON transfers 24/7 through TRANSFOND |
| SENT | Same day | Standard electronic clearing for domestic RON payments |
| ReGIS | Real-time | Real-time gross settlement for high-value payments |
Major banks in Romania
Good to know
Romanian IBANs are 24 characters: RO + 2 check digits + 4-letter bank code + 16-character account.
SENT Instant payments are available 24/7 and settle in under 10 seconds.
Key bank codes in IBAN: BTRL = Banca Transilvania, BRDE = BRD, INGB = ING, RZBR = Raiffeisen.
Related tools
Other countries
Frequently asked questions
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