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Romania Cards and Payments: Opportunities and Risks to 2030

Publisher GlobalData
Published Mar 27, 2026
Length 79 Pages
SKU # GBDT21143318

Description

Romania Cards and Payments: Opportunities and Risks to 2030

Summary

GlobalData’s ‘Romania Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in Romania cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, cards, credit transfer, direct debits and cheques during the review-period (2021-25e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2026f-30f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData’s ‘Romania Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into Romania cards and payments industry, including:
  • Current and forecast values for each market in Romania cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including cash, cards, credit transfer, direct debits and cheques. It also, includes an overview of the country's key alternative payment instruments.
  • Ecommerce market analysis.
  • Analysis of various market drivers and regulations governing Romania cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of Romania cards and payments industry.
Key Highlights
  • In a landmark move to modernize financial services, the Romanian Banking Association and the interbank payment service provider TRANSFOND launched the country’s first national mobile instant payment service, RoPay, in October 2024. It utilizes various technologies, including QR codes, NFC (contactless), and mobile numbers. The service is available 24 hours a day, seven days a week, and 365 days a year, including weekends and public holidays. Payments are processed in less than 10 seconds. RoPay enables various use cases, such as P2P fund transfers, online and in-store purchases, and payments for utility bills.
  • Ecommerce is becoming increasingly popular across the country. To capitalize on this, in March 2026, Swedish ecommerce platform Pierce Group launched its online shopping platform in Romania, Slovenia, Bulgaria, and Luxembourg. The company specializes in equipment, parts, and accessories for motocross, motorcycles, and snowmobiles.
  • Digital wallet payments are gaining traction. In July 2025, Banca Transilvania and Visa completed the first card-based payments using the EU Digital Identity Wallet (EUDI Wallet), a mobile application designed for EU-wide digital identity verification and secure online transactions. Under the pilot stage of the initiative, the identity wallet can hold documents such as national identity cards, driver licenses, educational credentials, and bank cards, enabling their use for purposes including cross-border services, travel bookings, and digital commerce.
Scope
  • Card market size in terms of number of cards, value and volume of transactions in Romania along with detailed card segmentation of debit, credit and charge cards available in the country.
  • Market sizing and analysis of major payment instruments including cash, cards, credit transfer, direct debits and cheques.
  • Payment market trends and growth for both historical and forecast period
  • Competitor analysis with detailed insights into leading card issuers and schemes.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to Romania cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in Romania cards and payments industry.
  • Assess the competitive dynamics in Romania cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Romania.
  • Gain insights into key regulations governing the Romania cards and payments industry.

Table of Contents

79 Pages
1. Executive Summary
2. Market Overview
3. Macroeconomics, Regulation, and Infrastructure
4. Payment Instruments
5. Card-Based Payments
6. Instant payments
7. Digital wallet payments
8. In-Store Payments
9. Ecommerce Payments
10. Appendix
List of Tables
Key facts, 2025
Payment instrument transaction values (LCU), 2021-2030f
Payment instrument transaction values ($), 2021-2030f
Payment instrument transaction volumes (units), 2021-2030f
Payment cards in circulation by type (units), 2021-2030f
Volume of payment card transactions (units), 2021-2030f
Value of payment card transactions (LCU), 2021-2030f
Value of payment card transactions ($), 2021-2030f
Debit cards in circulation (units), 2021-2030f
Debit card transaction volumes, 2021-2030f
Debit card transaction values (LCU), 2021-2030f
Debit card transaction values ($), 2021-2030f
Debit cards in circulation by scheme (units), 2021-25e
Debit card transaction values by scheme (LCU), 2021-25e
Debit card transaction values by scheme ($), 2021-25e
Debit cards in circulation by issuer (units), 2021-25e
Debit cards transaction value by issuer (LCU), 2021-25e
Debit cards transaction value by issuer ($), 2021-25e
Credit and charge cards in circulation (Units), 2021-2030f
Credit and charge card transaction volumes, 2021-2030f
Credit and charge card transaction values (units), 2021-2030f
Credit and charge card transaction values ($), 2021-2030f
Credit and charge cards in circulation by scheme (units), 2021-25e
Credit and charge card transaction values by scheme (LCU), 2021-25e
Credit and charge card transaction values by scheme ($), 2021-25e
Credit and charge cards in circulation by issuer (units), 2021-25e
Credit and charge cards transaction value by issuer (LCU), 2021-25e
Credit and charge cards transaction value by issuer ($), 2021-25e
Credit card in circulation (units), 2021-2030f
Credit card transaction volumes, 2021-2030f
Credit card transaction values (LCU), 2021-2030f
Credit card transaction values ($), 2021-2030f
Credit card in circulation by scheme (units), 2021-25e
Credit card transaction values by scheme (LCU), 2021-25e
Credit card transaction values by scheme ($), 2021-25e
Charge card in circulation (units), 2021-2030f
Charge card transaction volumes, 2021-2030f
Charge card transaction values (LCU), 2021-2030f
Charge card transaction values ($), 2021-2030f
Charge card in circulation by scheme (units), 2021-25e
Charge card transaction values by scheme (LCU), 2021-25e
Charge card transaction values by scheme ($), 2021-25e
List of Figures
Card penetration per inhabitant
Average number of monthly card transactions
POS terminals per 1,000 inhabitants
Inflation rate
GDP growth rate
Unemployment rate
Average annual wages
Total population
Banked population
Internet penetration
Mobile phone penetration
Number of ATMs and ATMs per 1 million inhabitants
Number of POS terminals and POS terminals per 1 million inhabitants
Payment istrument transaction volume (paper-based vs electronic payments)
Payment instruments transaction value
Payment instruments transaction volume
Cross-border payment value
Cross-border payment Volume
Payment cards number of cards in circulation
Payment cards card penetration per individual, by card type
Payment cards value of card transactions
Payment cards volume of card transactions
Payments card value physical POS vs. remote
Payments card volume physical POS vs. remote
Payments value domestic vs. cross-border
Payments volume domestic vs. cross-border
Debit card frequency of payments and average transaction value
Debit card ATM withdrawals frequency of use and average transaction value
Debit card issuers by number of cards
Debit card issuers by transaction value share
Credit and charge card frequency of payments and average transaction value
Credit and charge card ATM withdrawals frequency of use and average transaction value
Credit and charge card schemes transaction value
Credit and charge card schemes transaction volume
Credit and charge card schemes market share in terms of transaction value
Credit and charge card issuers by number of cards
Credit and charge card issuers by transaction value share
Instant payment transaction value and volume
E-commerce transaction value

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