{"id":5264,"date":"2025-06-22T17:15:33","date_gmt":"2025-06-22T14:15:33","guid":{"rendered":"https:\/\/karpatenkalle.com\/?p=5264"},"modified":"2025-07-05T12:20:45","modified_gmt":"2025-07-05T09:20:45","slug":"bankkonto-eroeffnen","status":"publish","type":"post","link":"https:\/\/karpatenkalle.com\/en\/bankkonto-eroeffnen\/","title":{"rendered":"Open a bank account"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5264\" class=\"elementor elementor-5264\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8375d86 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"8375d86\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6868185\" data-id=\"6868185\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dceb88 elementor-widget elementor-widget-text-editor\" data-id=\"6dceb88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a German citizen, you can open a bank account in Romania <strong data-start=\"49\" data-end=\"97\">relatively easily,<\/strong>both as a <strong data-start=\"110\" data-end=\"126\">private individual<\/strong> and for <strong data-start=\"140\" data-end=\"164\">business purposes<\/strong>. Here are the most important steps and information:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee5058e elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"ee5058e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9f2e42c\" data-id=\"9f2e42c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-616257d elementor-widget elementor-widget-text-editor\" data-id=\"616257d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6 data-start=\"226\" data-end=\"281\">\u2705 Requirements and documents for opening an account<\/h6><h6 data-start=\"226\" data-end=\"281\">\ud83d\udcc4 <strong data-start=\"291\" data-end=\"315\">Required documents:<\/strong><\/h6><ol data-start=\"317\" data-end=\"908\"><li data-start=\"317\" data-end=\"452\"><p data-start=\"320\" data-end=\"363\"><strong data-start=\"320\" data-end=\"363\">Valid passport or identity card<\/strong><\/p><ul data-start=\"367\" data-end=\"452\"><li data-start=\"367\" data-end=\"452\"><p data-start=\"369\" data-end=\"452\">A German ID card is sufficient; a <a href=\"https:\/\/karpatenkalle.com\/en\/cnp\/\">residence permit<\/a> is not absolutely necessary.<\/p><\/li><\/ul><\/li><li data-start=\"453\" data-end=\"601\"><p data-start=\"456\" data-end=\"510\"><strong data-start=\"456\" data-end=\"510\">Romanian tax number (optional, but recommended)<\/strong><\/p><ul data-start=\"514\" data-end=\"601\"><li data-start=\"514\" data-end=\"601\"><p data-start=\"516\" data-end=\"601\">\u201eNum\u0103r de identificare fiscal\u0103 (NIF)\u201c \u2013 can be applied for locally at the tax office.<\/p><\/li><\/ul><\/li><li data-start=\"602\" data-end=\"808\"><p data-start=\"605\" data-end=\"646\"><strong data-start=\"605\" data-end=\"646\">Proof of residence in Romania<\/strong><\/p><ul data-start=\"650\" data-end=\"808\"><li data-start=\"650\" data-end=\"720\"><p data-start=\"652\" data-end=\"720\">For example: rental agreement, hotel receipt, or registration confirmation.<\/p><\/li><li data-start=\"724\" data-end=\"808\"><p data-start=\"726\" data-end=\"808\">Some banks also accept a German address, especially for EUR accounts.<\/p><\/li><\/ul><\/li><li data-start=\"809\" data-end=\"908\"><p data-start=\"812\" data-end=\"848\"><strong data-start=\"812\" data-end=\"848\">Phone number and email address<\/strong><\/p><ul data-start=\"852\" data-end=\"908\"><li data-start=\"852\" data-end=\"908\"><p data-start=\"854\" data-end=\"908\">Often required for online banking and communication.<\/p><\/li><\/ul><\/li><\/ol><blockquote data-start=\"910\" data-end=\"1042\"><p data-start=\"912\" data-end=\"1042\">\ud83d\udca1 At some banks, your ID card and a Romanian address (even a temporary one) are sufficient to open a standard account.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0df1a91 elementor-alert-info elementor-widget elementor-widget-alert\" data-id=\"0df1a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">Tip:<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\">In Romania, multi-currency accounts (RON + EUR) are common \u2013 keep this in mind when opening an account.<\/span>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d10042 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"6d10042\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e1196a\" data-id=\"3e1196a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f854eef elementor-widget elementor-widget-text-editor\" data-id=\"f854eef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6 data-start=\"146\" data-end=\"218\">\ud83c\udfe6 <strong data-start=\"153\" data-end=\"218\">Recommended banks for opening an account in Romania for Germans<\/strong><\/h6><div class=\"_tableContainer_16hzy_1\"><div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"><table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"220\" data-end=\"1373\"><thead data-start=\"220\" data-end=\"347\"><tr data-start=\"220\" data-end=\"347\"><th data-start=\"220\" data-end=\"250\" data-col-size=\"sm\"><strong data-start=\"222\" data-end=\"234\">Bankname<\/strong><\/th><th data-start=\"250\" data-end=\"347\" data-col-size=\"lg\"><strong data-start=\"252\" data-end=\"281\">Advantages \/ Special features<\/strong><\/th><\/tr><\/thead><tbody data-start=\"475\" data-end=\"1373\"><tr data-start=\"475\" data-end=\"642\"><td data-start=\"475\" data-end=\"504\" data-col-size=\"sm\"><strong data-start=\"477\" data-end=\"504\">Banca Transilvania (BT)<\/strong><\/td><td data-col-size=\"lg\" data-start=\"504\" data-end=\"642\">\u2705 Largest Romanian bank<br \/>\u2705 Many branches, even in smaller towns<br \/>\ud83c\udf10 Website partially available in English<br \/>\ud83d\udcf1 Good mobile app<\/td><\/tr><tr data-start=\"643\" data-end=\"764\"><td data-start=\"643\" data-end=\"679\" data-col-size=\"sm\"><strong data-start=\"645\" data-end=\"678\">BRD \u2013 Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/strong><\/td><td data-col-size=\"lg\" data-start=\"679\" data-end=\"764\">\u2705 International structure<br \/>\u2705 Excellent online banking<br \/>\ud83d\udcb3 A wide range of account models<\/td><\/tr><tr data-start=\"765\" data-end=\"901\"><td data-start=\"765\" data-end=\"794\" data-col-size=\"sm\"><strong data-start=\"767\" data-end=\"794\">Raiffeisen Bank Romania<\/strong><\/td><td data-col-size=\"lg\" data-start=\"794\" data-end=\"901\">\u2705 Austrian roots<br \/>\u2705 Some contact persons speak German<br \/>\ud83d\udcf1 Solid online platform<\/td><\/tr><tr data-start=\"902\" data-end=\"1047\"><td data-start=\"902\" data-end=\"931\" data-col-size=\"sm\"><strong data-start=\"904\" data-end=\"924\">ING Bank Romania<\/strong><\/td><td data-col-size=\"lg\" data-start=\"931\" data-end=\"1047\">\u2705 Modern app and digital banking<br \/>\ud83d\ude80 Quick online account opening possible<br \/>\ud83d\udd12 High security standards<\/td><\/tr><tr data-start=\"1048\" data-end=\"1174\"><td data-start=\"1048\" data-end=\"1077\" data-col-size=\"sm\"><strong data-start=\"1050\" data-end=\"1062\">CEC Bank<\/strong><\/td><td data-col-size=\"lg\" data-start=\"1077\" data-end=\"1174\">\ud83c\udfdb Government-run<br \/>\ud83d\udcbc Traditional services<br \/>\ud83d\udd70 Somewhat conservative, but reliable<\/td><\/tr><tr data-start=\"1175\" data-end=\"1373\"><td data-start=\"1175\" data-end=\"1211\" data-col-size=\"sm\"><p><strong data-start=\"1177\" data-end=\"1210\">BCR \u2013 Banca Comercial\u0103 Rom\u00e2n\u0103<\/strong><\/p><p>Sparkassensymbol<\/p><\/td><td data-col-size=\"lg\" data-start=\"1211\" data-end=\"1373\">\u2705 Part of the Austrian <strong data-start=\"1241\" data-end=\"1262\">Erste Bank Group<\/strong><br \/>\u2705 Extensive branch network<br \/>\ud83d\udcf1 Well-developed app &amp; internet banking<br \/>\ud83c\udf10 Website also available in English<\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac5cd37 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"ac5cd37\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7570a8d\" data-id=\"7570a8d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6e103a elementor-widget elementor-widget-text-editor\" data-id=\"d6e103a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6 data-start=\"1692\" data-end=\"1729\">\ud83d\udccd How to open an account<\/h6><h6 data-start=\"1731\" data-end=\"1748\"><strong data-start=\"1736\" data-end=\"1748\">On site:<\/strong><\/h6><ol data-start=\"1749\" data-end=\"2098\"><li data-start=\"1749\" data-end=\"1816\"><p data-start=\"1752\" data-end=\"1816\">Make an appointment or go directly to the branch (depending on the bank).<\/p><\/li><li data-start=\"1817\" data-end=\"1859\"><p data-start=\"1820\" data-end=\"1859\">Show your ID, fill out the forms.<\/p><\/li><li data-start=\"1860\" data-end=\"1938\"><p data-start=\"1863\" data-end=\"1938\">Select account type (e.g., checking account, savings account, foreign currency account in EUR or RON).<\/p><\/li><li data-start=\"1939\" data-end=\"2014\"><p data-start=\"1942\" data-end=\"2014\">Bank cards and IBANs are usually issued directly or sent by post.<\/p><\/li><li data-start=\"2015\" data-end=\"2098\"><p data-start=\"2018\" data-end=\"2098\">Your PIN and online access will be sent separately or activated in the app.<\/p><\/li><\/ol><h6 data-start=\"2100\" data-end=\"2116\"><strong data-start=\"2105\" data-end=\"2116\">Online:<\/strong><\/h6><ul data-start=\"2117\" data-end=\"2273\"><li data-start=\"2117\" data-end=\"2211\"><p data-start=\"2119\" data-end=\"2211\">Some banks (e.g., ING or Revolut) allow <strong data-start=\"2167\" data-end=\"2210\">Digital account opening with video identification<\/strong>.<\/p><\/li><li data-start=\"2212\" data-end=\"2273\"><p data-start=\"2214\" data-end=\"2273\">Requirements: Internet access, smartphone, camera, ID card.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c90227 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"5c90227\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7646925\" data-id=\"7646925\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a2070f4 elementor-widget elementor-widget-text-editor\" data-id=\"a2070f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6 data-start=\"2280\" data-end=\"2310\">\ud83d\udcb6 Costs and account management<\/h6><div class=\"_tableContainer_16hzy_1\"><div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"><table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2312\" data-end=\"2630\"><thead data-start=\"2312\" data-end=\"2362\"><tr data-start=\"2312\" data-end=\"2362\"><th data-start=\"2312\" data-end=\"2335\" data-col-size=\"sm\">Cost category<\/th><th data-start=\"2335\" data-end=\"2362\" data-col-size=\"sm\">Typical amount<\/th><\/tr><\/thead><tbody data-start=\"2414\" data-end=\"2630\"><tr data-start=\"2414\" data-end=\"2464\"><td data-start=\"2414\" data-end=\"2437\" data-col-size=\"sm\">Account maintenance fee<\/td><td data-col-size=\"sm\" data-start=\"2437\" data-end=\"2464\">0\u201310 RON\/month<\/td><\/tr><tr data-start=\"2465\" data-end=\"2515\"><td data-start=\"2465\" data-end=\"2488\" data-col-size=\"sm\">Bank card<\/td><td data-col-size=\"sm\" data-start=\"2488\" data-end=\"2515\">0\u201325 RON \/ year<\/td><\/tr><tr data-start=\"2516\" data-end=\"2576\"><td data-start=\"2516\" data-end=\"2542\" data-col-size=\"sm\">ATM withdrawals<\/td><td data-col-size=\"sm\" data-start=\"2542\" data-end=\"2576\">Often free of charge at your own bank<\/td><\/tr><tr data-start=\"2577\" data-end=\"2630\"><td data-start=\"2577\" data-end=\"2601\" data-col-size=\"sm\">Foreign currency fees<\/td><td data-col-size=\"sm\" data-start=\"2601\" data-end=\"2630\">Varies depending on account type<\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8656723 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"8656723\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cc55283\" data-id=\"cc55283\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a53d549 elementor-widget elementor-widget-text-editor\" data-id=\"a53d549\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6 data-start=\"2740\" data-end=\"2778\">\ud83d\udd12 Tax reporting &amp; tax office<\/h6><ul data-start=\"2780\" data-end=\"3082\"><li data-start=\"2780\" data-end=\"2913\"><p data-start=\"2782\" data-end=\"2913\">As a German tax resident, you are required to report any bank accounts you hold abroad to the <strong data-start=\"2863\" data-end=\"2891\">Tax office in Germany<\/strong> (\u00a7 138 AO).<\/p><\/li><li data-start=\"2914\" data-end=\"3082\"><p data-start=\"2916\" data-end=\"3082\">Banks in Romania automatically report accounts to German tax authorities under the <strong data-start=\"2975\" data-end=\"3010\">CRS (Common Reporting Standard)<\/strong> , so you don't have to worry about any tax tricks.<\/p><\/li><\/ul><hr data-start=\"3084\" data-end=\"3087\" \/><h6 data-start=\"3089\" data-end=\"3101\">\u00a0<\/h6><h6 data-start=\"3089\" data-end=\"3101\">\ud83d\udccc Conclusion<\/h6><p data-start=\"3103\" data-end=\"3205\"><strong data-start=\"3103\" data-end=\"3153\">Opening a bank account in Romania is easy,<\/strong> especially if you are staying in the country.<\/p><p data-start=\"3103\" data-end=\"3205\">You need:<\/p><ul data-start=\"3206\" data-end=\"3357\"><li data-start=\"3206\" data-end=\"3225\"><p data-start=\"3208\" data-end=\"3225\">valid ID,<\/p><\/li><li data-start=\"3226\" data-end=\"3283\"><p data-start=\"3228\" data-end=\"3283\">Ideally, a Romanian address or tax number,<\/p><\/li><li data-start=\"3284\" data-end=\"3357\"><p data-start=\"3286\" data-end=\"3357\">and a little patience when opening an account (takes 30\u201360 minutes on site).<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f500a2c elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"f500a2c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8dc1621\" data-id=\"8dc1621\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb4ab48 elementor-alert-warning elementor-widget elementor-widget-alert\" data-id=\"bb4ab48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">Note<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\">I am not an official advice center for emigrants or people changing their place of residence within the EU. I therefore accept no liability for the accuracy and completeness of this article.<\/span>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fdd2aaf elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"fdd2aaf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fa7260\" data-id=\"1fa7260\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bd0437 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5bd0437\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/karpatenkalle.com\/en\/als-rentner-in-rumaenien-leben\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-people-arrows\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Living as a retiree in Romania<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/karpatenkalle.com\/en\/krankenversicherung\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-clinic-medical\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Health insurance for Romania<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/karpatenkalle.com\/en\/zulassung-in-rumaenien\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-car-side\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vehicle transfer and registration in Romania<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Als deutscher Staatsb\u00fcrger kannst du in Rum\u00e4nien relativ unkompliziert ein Bankkonto er\u00f6ffnen, sowohl als Privatperson als auch f\u00fcr gesch\u00e4ftliche Zwecke. Hier sind die wichtigsten Schritte und Informationen: \u2705 Voraussetzungen und Unterlagen zur Kontoer\u00f6ffnung \ud83d\udcc4 Ben\u00f6tigte Dokumente: G\u00fcltiger Reisepass oder Personalausweis Ein deutscher Ausweis gen\u00fcgt; ein Aufenthaltstitel ist nicht zwingend erforderlich. Rum\u00e4nische Steuernummer (optional, aber empfohlen) \u201eNum\u0103r de identificare fiscal\u0103 (NIF)\u201c \u2013 kann vor Ort beim Finanzamt beantragt werden. Nachweis eines Wohnsitzes in Rum\u00e4nien Zum Beispiel: Mietvertrag, Hotelbescheinigung oder Meldebest\u00e4tigung. Einige Banken akzeptieren auch eine deutsche Adresse, insbesondere bei EUR-Konten. Telefonnummer und E-Mail-Adresse Oft erforderlich f\u00fcr Online-Banking und Kommunikation. \ud83d\udca1 Bei einigen Banken reicht bereits dein Personalausweis plus eine rum\u00e4nische Adresse (auch vor\u00fcbergehend) f\u00fcr ein Standardkonto. Tipp: In Rum\u00e4nien sind Mehrw\u00e4hrungskonten (RON + EUR) \u00fcblich \u2013 achte darauf bei Kontoer\u00f6ffnung. \ud83c\udfe6 Empfohlene Banken zur Kontoer\u00f6ffnung in Rum\u00e4nien f\u00fcr Deutsche Bankname Vorteile \/ Besonderheiten Banca Transilvania (BT) \u2705 Gr\u00f6\u00dfte rum\u00e4nische Bank\u2705 Viele Filialen, auch in kleineren St\u00e4dten\ud83c\udf10 Teilweise deutschsprachige Website\ud83d\udcf1 Gute Mobile App BRD \u2013 Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale \u2705 Internationale Struktur\u2705 Gutes Onlinebanking\ud83d\udcb3 Vielf\u00e4ltige Kontomodelle Raiffeisen Bank Romania \u2705 \u00d6sterreichische Wurzeln\u2705 Teilweise deutschsprachige Ansprechpartner\ud83d\udcf1 Solide Online-Plattform ING Bank Romania \u2705 Moderne App und digitales Banking\ud83d\ude80 Schnelle Online-Kontoer\u00f6ffnung m\u00f6glich\ud83d\udd12 Hohe Sicherheitsstandards CEC Bank \ud83c\udfdb Staatlich gef\u00fchrt\ud83d\udcbc Traditionelle Services\ud83d\udd70 Etwas konservativer, aber zuverl\u00e4ssig BCR \u2013 Banca Comercial\u0103 Rom\u00e2n\u0103 Sparkassensymbol \u2705 Teil der \u00f6sterreichischen Erste Bank Gruppe\u2705 Dichtes Filialnetz\ud83d\udcf1 Gut ausgebaute App &amp; Internetbanking\ud83c\udf10 Website auch auf Englisch verf\u00fcgbar \ud83d\udccd So l\u00e4uft die Kontoer\u00f6ffnung ab Vor Ort: Termin vereinbaren oder direkt zur Filiale gehen (je nach Bank). Ausweis vorzeigen, Formulare ausf\u00fcllen. Kontoart w\u00e4hlen (z.\u202fB. Girokonto, Sparkonto, Devisenkonto in EUR oder RON). Bankkarte und IBAN werden meist direkt vergeben oder per Post zugesandt. PIN und Online-Zugang werden separat \u00fcbermittelt oder in der App freigeschaltet. Online: Einige Banken (z.\u202fB. ING oder Revolut) erlauben digitale Kontoer\u00f6ffnung mit Video-Ident. Voraussetzung: Internetzugang, Smartphone, Kamera, Ausweis. \ud83d\udcb6 Kosten und Kontof\u00fchrung Kostenart Typischer Betrag Kontof\u00fchrungsgeb\u00fchr 0\u201310 RON \/ Monat Bankkarte 0\u201325 RON \/ Jahr Abhebungen am Automaten Oft kostenlos bei eigener Bank Fremdw\u00e4hrungsgeb\u00fchren Variiert je nach Kontoart \ud83d\udd12 Steuerliche Meldung &amp; Finanzamt Als deutscher Steuerinl\u00e4nder bist du verpflichtet, ein Bankkonto im Ausland ggf. dem Finanzamt in Deutschland zu melden (\u00a7 138 AO). Banken in Rum\u00e4nien melden Konten automatisch im Rahmen des CRS (Common Reporting Standard) an deutsche Steuerbeh\u00f6rden \u2013 du musst also keine Steuertricks erwarten. \u00a0 \ud83d\udccc Fazit Ein Bankkonto in Rum\u00e4nien zu er\u00f6ffnen ist einfach, insbesondere bei Aufenthalten vor Ort. Du brauchst: g\u00fcltigen Ausweis, idealerweise eine rum\u00e4nische Adresse oder Steuernummer, und etwas Geduld bei der Kontoer\u00f6ffnung (dauert 30\u201360 Minuten vor Ort). Hinweis Ich bin keine offizielle Beratungsstelle f\u00fcr Auswanderer oder Wohnsitzwechsler innerhalb der EU. Daher \u00fcbernehme ich auch keine Gew\u00e4hr f\u00fcr die Richtigkeit und Vollst\u00e4ndigkeit dieses Beitrages. Als Ruhest\u00e4ndler in Rum\u00e4nien leben Krankenversicherung f\u00fcr Rum\u00e4nien Fahrzeug\u00fcberf\u00fchrung und Zulassung in Rum\u00e4nien<\/p>","protected":false},"author":1,"featured_media":5291,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[445,487],"tags":[483,482,202,485,201,484,31,193,191],"class_list":["post-5264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-tipps-zum-dauerhaften-aufenthalt-in-rumaenien","tag-banken","tag-bankkonto","tag-frank-sproedefeld","tag-geschaeftlich","tag-karpatenkalle","tag-privatperson","tag-romania","tag-rumaenien","tag-siebenbuergen"],"yoast_head":"<title>Bankkonto er\u00f6ffnen | 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