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COMPETITIVE LANDSCAPE
Mastercard leads, but Visa offers lower interchange fees
Mastercard continued to be the leading operator in credit cards and further strengthened its position in 2024 through new partnerships. Mastercard is seen as more innovative as compared to Visa, particularly by fintechs and digital-first banks.
Raiffeisen leads in personal credit cards, while Bance Transilvania leads in commercial
Austrian Raiffeisen Bank is the leading issuer of personal credit cards and is known for its innovative solutions. In 2025, the bank launched a new feature for new credit card customers, where as soon as the credit card limit is approved and granted, the card is available in its banking app, thus allowing customers immediate access to the limit granted by the bank.
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Overview:
Understand the latest market trends and future growth opportunities for the Credit Card Transactions industry in Romania with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Credit Card Transactions industry in Romania, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Credit Card Transactions in Romania report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Credit Card Transactions in Romania?
- What are the major trends key to understanding Credit Card Transactions in Romania?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Charge Cards in Romania - Category analysis
Charge Cards in Romania - Company Profile
KEY DATA FINDINGS
Charge cards remain niche
Continuing limited uptake
Limited innovation, as well as cap on interchange fees stymies growth in personal charge cards
Limited growth over forecast period
Multinationals continue to be main client
American Express only operator and issuer
Table 1 Charge Cards: Number of Cards in Circulation 2020-2025
Table 2 Charge Cards Transactions 2020-2025
Table 3 Charge Cards in Circulation: % Growth 2020-2025
Table 4 Charge Cards Transactions: % Growth 2020-2025
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
Table 6 Commercial Charge Cards Transactions 2020-2025
Table 7 Commercial Charge Cards in Circulation: % Growth 2020-2025
Table 8 Commercial Charge Cards Transactions: % Growth 2020-2025
Table 9 Personal Charge Cards: Number of Cards in Circulation 2020-2025
Table 10 Personal Charge Cards Transactions 2020-2025
Table 11 Personal Charge Cards in Circulation: % Growth 2020-2025
Table 12 Personal Charge Cards Transactions: % Growth 2020-2025
Table 13 Charge Cards: Number of Cards by Issuer 2020-2024
Table 14 Charge Cards: Number of Cards by Operator 2020-2024
Table 15 Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 16 Charge Cards Payment Transaction Value by Operator 2020-2024
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
Table 18 Commercial Charge Cards: Number of Cards by Operator 2020-2024
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
Table 21 Personal Charge Cards: Number of Cards by Issuer 2020-2024
Table 22 Personal Charge Cards: Number of Cards by Operator 2020-2024
Table 23 Personal Charge Cards Transaction Value by Issuer 2020-2024
Table 24 Personal Charge Cards Transaction Value by Operator 2020-2024
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
Table 26 Forecast Charge Cards Transactions 2025-2030
Table 27 Forecast Charge Cards in Circulation: % Growth 2025-2030
Table 28 Forecast Charge Cards Transactions: % Growth 2025-2030
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
Table 30 Forecast Commercial Charge Cards Transactions 2025-2030
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
Table 34 Forecast Personal Charge Cards Transactions 2025-2030
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2025-2030
Credit Cards in Romania - Category analysis
Credit Cards in Romania - Company Profile
KEY DATA FINDINGS
Added incentives for credit cards, due to intense competition from BNPL
Modest growth in credit cards
Contrasting forces impact credit card spending
Positive outlook over forecast period
Increasing rewards on offer
Neobanks such as Revolut post increasing threat
Mastercard leads, but Visa offers lower interchange fees
Raiffeisen leads in personal credit cards, while Bance Transilvania leads in commercial
Table 37 Credit Cards: Number of Cards in Circulation 2020-2025
Table 38 Credit Cards Transactions 2020-2025
Table 39 Credit Cards in Circulation: % Growth 2020-2025
Table 40 Credit Cards Transactions: % Growth 2020-2025
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 42 Commercial Credit Cards Transactions 2020-2025
Table 43 Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 44 Commercial Credit Cards Transactions: % Growth 2020-2025
Table 45 Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 46 Personal Credit Cards Transactions 2020-2025
Table 47 Personal Credit Cards in Circulation: % Growth 2020-2025
Table 48 Personal Credit Cards Transactions: % Growth 2020-2025
Table 49 Credit Cards: Number of Cards by Issuer 2020-2024
Table 50 Credit Cards: Number of Cards by Operator 2020-2024
Table 51 Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 52 Credit Cards Payment Transaction Value by Operator 2020-2024
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
Table 54 Commercial Credit Cards: Number of Cards by Operator 2020-2024
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
Table 57 Personal Credit Cards: Number of Cards by Issuer 2020-2024
Table 58 Personal Credit Cards: Number of Cards by Operator 2020-2024
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
Table 62 Forecast Credit Cards Transactions 2025-2030
Table 63 Forecast Credit Cards in Circulation: % Growth 2025-2030
Table 64 Forecast Credit Cards Transactions: % Growth 2025-2030
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
Table 66 Forecast Commercial Credit Cards Transactions 2025-2030
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
Table 70 Forecast Personal Credit Cards Transactions 2025-2030
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2025-2030
Debit Cards in Romania - Category analysis
Debit Cards in Romania - Company Profile
KEY DATA FINDINGS
Continuing shift away from cash
Continuing growth in debit cards, as Romania becomes less cash reliant
Debit cards increasingly used for everyday transactions
Continuing growth over forecast period
Increasing competition from fintechs, as well as alternatives to debit cards
Increasing digitisation of debit cards
Visa leading operator
Banca Transilvania leading issuer
Table 73 Debit Cards: Number of Cards in Circulation 2020-2025
Table 74 Debit Cards Transactions 2020-2025
Table 75 Debit Cards in Circulation: % Growth 2020-2025
Table 76 Debit Cards Transactions: % Growth 2020-2025
Table 77 Debit Cards: Number of Cards by Issuer 2020-2024
Table 78 Debit Cards: Number of Cards by Operator 2020-2024
Table 79 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 80 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 82 Forecast Debit Cards Transactions 2025-2030
Table 83 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 84 Forecast Debit Cards Transactions: % Growth 2025-2030
Pre-Paid Cards in Romania - Category analysis
Pre-Paid Cards in Romania - Company Profile
KEY DATA FINDINGS
Revolut drives significant growth
Continuing growth, particularly in open loop cards
Increasing use of contactless payments drives growth in transactions
Significant growth in transaction value over forecast period
Fintechs and government programmes drive growth, with closed loop in decline
Should cap on interchange fees be introduced, it could dampen growth
Mastercard leading operator in open loop pre-paid cards, while Revolut is leading issuer
Transport company leads in closed loop, though sector highly fragmented
Table 85 Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 86 Pre-paid Cards Transactions 2020-2025
Table 87 Pre-paid Cards in Circulation: % Growth 2020-2025
Table 88 Pre-paid Cards Transactions: % Growth 2020-2025
Table 89 Closed Loop Pre-paid Cards Transactions 2020-2025
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 91 Open Loop Pre-paid Cards Transactions 2020-2025
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 93 Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 94 Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 95 Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 96 Pre-paid Cards Transaction Value by Operator 2020-2024
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
Table 106 Forecast Pre-paid Cards Transactions 2025-2030
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2025-2030
Financial Cards and Payments in Romania - Industry Overview
Newly imposed mandatory merchant card acceptance key driver in growth
KEY DATA FINDINGS
Though cash is still popular, financial cards register growth
Shift from physical cards to digital
RoPay, a new mobile payment system gaining traction
Steady growth over forecast period
Traditional banks face increasing competition from neobanks
RoPay could emerge as serious competitor to financial cards
Visa leading operator, but Mastercard close behind
Bance Transylvania largest issuer, with Revolut in second place
Table 113 Number of POS Terminals: Units 2020-2025
Table 114 Number of ATMs: Units 2020-2025
Table 115 Value Lost to Fraud 2020-2025
Table 116 Card Expenditure by Location 2025
Table 117 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 118 Domestic versus Foreign Spend 2025
Table 119 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 120 Financial Cards by Category: Number of Accounts 2020-2025
Table 121 Financial Cards Transactions by Category: Value 2020-2025
Table 122 Financial Cards by Category: Number of Transactions 2020-2025
Table 123 Consumer Payments by Category: Value 2020-2025
Table 124 Consumer Payments by Category: Number of Transactions 2020-2025
Table 125 M-Commerce by Category: Value 2020-2025
Table 126 M-Commerce by Category: % Value Growth 2020-2025
Table 127 Financial Cards: Number of Cards by Issuer 2020-2024
Table 128 Financial Cards: Number of Cards by Operator 2020-2024
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 132 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 133 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 134 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 135 Forecast Consumer Payments by Category: Value 2025-2030
Table 136 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 137 Forecast M-Commerce by Category: Value 2025-2030
Table 138 Forecast M-Commerce by Category: % Value Growth 2025-2030
DISCLAIMER
Summary 1 Research Sources
The following categories and subcategories are included:
Credit Card Transactions
- Commercial Credit Card Transactions
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- Average Personal Credit Card Balance
- Average Personal Credit Card Limit
- Personal Credit Card Utilisation
Credit Card Transactions
Credit cards allow for purchases against a preapproved line of credit. The account holder has the choice of whether to pay off the entire balance each month or opt for monthly instalments with the balance serving as revolving credit. If the cardholder decides to revolve a balance, the consumer pays interest. Credit cards can include affinity cards, reward cards and types of co-branded cards. Co-branded retailer cards—issued by retailers acting as financial institutions and without usage restrictions—are included in this category. Cards issued by a retailer with usage limited to a specific store within a predefined retail group fall under the store cards definition. Debit cards with an overdraft function are not counted as cards with a credit function. Payments are tracked based on the country of residence / account issuance and include outbound spend while excluding inbound spend.
See all of our definitions
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This report originates from Passport, our Credit Card Transactions research and analysis database.
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