Sending Money to Romania: Clear, Simple Routes, Real Costs & On-Time Delivery

Quick answer

For transfers to Romania, keep it simple: choose the currency your recipient actually needs, pick a straightforward bank route, and make the reference line short and clear. The true price of any transfer is the visible fee plus the exchange-rate difference. Sending earlier in the day usually improves posting time.

What to decide before you send

Currency. If the recipient spends in euro, sending EUR often keeps pricing predictable. If they spend locally, plan how the conversion to RON will happen—before you send or on arrival.

Route. Use a standard euro bank transfer for EUR, or an international bank wire for other currencies. Both work; the best choice is the one that gives a clear “net amount on account”.

Reference. Keep the payment reference short (invoice or purpose). Long stories slow reconciliation.

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Top 5 practical routes (choose what fits your case)

1) EUR → EUR via a standard euro bank transfer. Predictable pricing and familiar posting flows when the invoice is in euro.

2) USD/GBP → convert to EUR, then send. You control the rate up front; the recipient sees the expected euro amount.

3) Major currency → local spending. If the recipient pays costs in RON, agree in writing where conversion happens and what net amount they should see after it.

4) One inbound → many local payouts. Fund a single account internationally; the recipient distributes domestically the same day. Less admin, fewer cross-border fees.

5) Time-sensitive credits. When deadlines are tight, send early and use the fastest available option your bank offers. Share proof in the same email thread as the invoice.

Costs that actually matter

Your real cost is not just the fee on the screen. It’s fee plus the difference between the market rate and the rate you get. For same-currency transfers the fee matters more; for currency conversions the exchange rate usually matters most. Always ask two numbers: the net amount the recipient will see and the applied rate.

Speed & predictability

Arrival depends on bank cut-offs, simple screening checks, and how clearly the payment is described. Morning submissions tend to post sooner. Keep the subject and wording consistent across emails so finance teams can match your proof quickly.

Recipient details to confirm (kept simple)

Legal name as on the account, bank name, account/IBAN, bank identifier for international wires, currency to receive, and the short reference text they expect. Copy spelling and numbers carefully—small typos cause manual review.

Common mistakes — and easy fixes

Focusing only on the fee. Compare the all-in price (fee + rate), not fee alone.

Unclear reference. Keep it short and consistent with the invoice or purpose.

Late sends. Avoid end-of-day and pre-holiday timing when a deadline matters.

Mixing currencies mid-flow. Decide conversion up front and document the expected net amount.

One-page checklist

1) Choose currency and route. 2) Confirm fees and the net figure. 3) Validate account/IBAN and reference. 4) Send early; share proof in the same thread. 5) Keep confirmations for your records.

How we support you

VelesClub Int., together with UNIBROKER, helps you pick a clear route, keep pricing transparent, and align timing so transfers to Romania land cleanly and on time—without unnecessary complexity.