How to Receive International Payments as a Freelancer in Romania (2026)
Romania is one of Central Europe's largest freelance markets, with strong IT talent. As an EU member, Romanians have access to the best European platforms — SEPA transfers are fast and cheap, and Revolut Business and Wise are both excellent choices.
Best platforms for Romanian freelancers
- Wise Business — supports RON payouts and EUR SEPA. 0.45% FX margin. Best for USD/GBP income converted to RON.
- Revolut Business — EU banking licence, excellent for EUR holding and RON conversion. 0.6% FX margin.
- Airwallex — growing EU presence. EUR and RON support.
- Direct SEPA transfer — if your client is in the EU, ask for EUR SEPA to your Romanian IBAN (ING, Raiffeisen, BCR). EUR arrives in seconds with no fee.
PFA setup and ANAF tax obligations
- Register as PFA (Persoana Fizică Autorizată / Authorized Natural Person) at your local ONRC office. Required for freelance income above €4,000/year.
- Income tax: 10% flat rate on net income (after deductions). Calculate via annual declaration (D212) to ANAF.
- Social contributions (CAS): 25% of gross declared income, capped at 24x minimum gross salary. Mandatory if income exceeds 12x minimum gross wage.
- Health insurance (CASS): 10% of gross income, with the same cap.
- VAT registration required only if annual turnover exceeds RON 300,000 (~€60,000). Most freelancers don't need to register.
- Microenterprise structure (SRL micro): alternative to PFA at income above €60,000, with 1% or 3% income tax. Consult an accountant at that level.
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ForexFee guides are based on publicly available information and live rate data from Wise's comparison API. For pricing, KYC requirements and current promotions, always check each provider's official site. See our methodology for how we source and rank rates.