Romania IBAN Format (RO) — Structure, Length & Validator

The Romania IBAN is 24 characters long and follows the ISO 13616 standard adopted by the National Bank of Romania (BNR). Romania is a SEPA member and EU country but retains the Romanian leu (RON) — it has not yet adopted the euro. SEPA Credit Transfers to Romanian accounts are possible but involve currency conversion. For RON-denominated transfers, SWIFT is used.

Romania IBAN at a Glance

• Country code: RO
• Total length: 24 characters (always)
• Format: ROkk bbbb cccccccccccccccc
• BBAN length: 20 characters
• Character types: 4-letter bank code + 16-digit account number
• Currency: Romanian leu (RON) — not eurozone
• SEPA member: Yes (SEPA Credit Transfer, but currency conversion applies)

Romania IBAN Structure Explained

1. Country Code — RO (2 characters)

The ISO 3166-1 alpha-2 code for Romania. Every Romanian IBAN begins with RO.

2. Check Digits — kk (2 digits)

Two decimal digits computed using the MOD-97 algorithm. They detect transcription and transposition errors before the payment is transmitted.

3. Bank Code — bbbb (4 letters)

A 4-letter bank identifier derived from the first four characters of the bank's BIC/SWIFT code. Romanian IBANs are alphanumeric because of this letter-based bank code. Common codes for major Romanian banks:

• RNCB — Banca Comercială Română (BCR, part of Erste Group)
• BTRL — Banca Transilvania
• BRDE — BRD — Groupe Société Générale
• INGB — ING Bank Romania
• RZBR — Raiffeisen Bank Romania
• CECE — CEC Bank

4. Account Number — cccccccccccccccc (16 digits)

A 16-digit numeric account number assigned by the issuing bank. The account number encodes the product type and individual account identifier within the bank's internal system.

Romania IBAN Example Explained

RO49 AAAA 1B31 0075 9384 0000

• Country: RO
• Check digits: 49
• Bank code: AAAA (illustrative)
• Account number: 1B31007593840000

Second Example — Banca Transilvania

RO36 BTRL 0130 1205 W576 5600

• Country: RO
• Check digits: 36
• Bank code: BTRL (Banca Transilvania)
• Account number: 0130120 5W5765600

How Romanian IBAN Validation Works

1. Country code check: First two characters must be exactly RO.
2. Length check: Total character count (spaces removed) must be exactly 24. Romania shares this length with Spain (ES24) and Slovakia (SK24), but has a different internal structure.
3. Character type check: Positions 5–8 must be uppercase letters (bank code); positions 9–24 must be alphanumeric (letters or digits, as the account field may contain letters in some bank-assigned formats).
4. MOD-97 check: Move the first four characters to the end, replace each letter with its numeric value (A=10 … Z=35), divide by 97. Remainder must be 1.

The ibanchecker.cash validator validates Romanian IBANs and displays the bank code and associated institution name. Use the IBAN format checker to inspect the 4-letter bank code and 16-character account field individually.

Romania, SEPA, and Currency

Romania is a SEPA member, meaning EU banks can initiate SEPA Credit Transfers to Romanian IBANs. However, Romania has not yet adopted the euro — the domestic currency is the Romanian leu (RON). This means:

• SEPA transfers from eurozone countries to Romania involve currency conversion from EUR to RON at the receiving bank's exchange rate
• For transactions specifically in RON, use a SWIFT wire transfer instead of SEPA
• The IBAN alone is sufficient for SEPA transfers — no BIC is required for intra-SEPA payments
• Romania is expected to adopt the euro after meeting the Maastricht convergence criteria — the IBAN structure will be unchanged when this occurs

Common Romanian IBAN Mistakes

Rejecting Alphanumeric Account Fields

Romanian IBANs contain a 4-letter bank code at positions 5–8 and may also contain letters in the 16-character account field. Payment systems that expect numeric-only BBANs will incorrectly reject valid Romanian IBANs. Both fields must accept uppercase letters.

Wrong Length — 22 or 26 Characters

Romanian IBANs are always 24 characters. Count after removing all spaces.

Assuming SEPA Means Eurozone

Romania is in SEPA but not the eurozone. A SEPA transfer to a Romanian IBAN will succeed technically but will be converted to RON — confirm the intended currency with the payee before sending.

Validating Romanian IBANs in Bulk

Finance teams working with Eastern European suppliers can validate Romanian IBANs alongside Bulgarian, Czech, Hungarian, and Polish ones using the ibanchecker.cash bulk checker. Upload a CSV with up to 100 IBANs and receive per-row validation with bank code and error details.

Last updated: June 2026