Using a credit card in Romania

The ultimate guide to spending Romanian lei on your credit card

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By

Chris Lilly

Updated

Fact checked

Romania is one of the newest members of the European Union but – in major cities at least – credit card spending is as simple as you’d expect in any other EU country.

Visa and Mastercard are widely accepted and there are plenty of businesses in urban areas that will accept American Express too.

You might need to be a bit more cautious in smaller towns or rural areas, as there are fewer ATMs and businesses are less likely to accept credit card payments. If you’re planning on castle-hopping in rural Transylvania, for example, you’re better off grabbing the cash you need before you set off.

Some merchants may only accept debit and credit cards that are compatible with chip-and-pin, so those without this might be better off withdrawing plenty of lei too. When you do pay with credit card, it’s unlikely you’ll be asked to show ID (as is the case for visitors to some countries).

There’s a chance that some retailers will have minimum purchase amounts in order to allow card payments, so if you’re only buying a few stuffed cabbage leaves, you may need cash. You’ll typically need cash to pay for taxis and public transport too.

What about fees?

As you’d expect, there are a few potential fees to watch out for when you’re paying with plastic in Romania.

  • Foreign transaction fees. A non-sterling fee of around 3% per transaction can apply, depending on your credit card. That’s £15 in fees for every £500 spent with your card.
  • Merchant currency conversion fees. Sometimes, a merchant will offer to take payment in pounds instead of in lei. This is known as a dynamic currency conversion (DCC) and it can mean higher fees than if you simply paid in the local currency.
  • Cash advance fees. Your card issuer may charge a fee for cash advances (withdrawing cash using your card).
  • Cash machine fees. The provider of a cash machine may charge a fee if you withdraw cash using your card, although this is thankfully becoming rarer.

When it comes to cash advances and non-sterling transactions, many card issuers will start charging interest on the day your account is debited, rather than the customary “up to 55 days interest-free” that usually applies provided you clear your balance in full each month.

So how can I avoid the fees?

Consider taking out a credit card offering commission-free currency conversion (see table below), even if you only use it when you’re out of the country. Once you have one of these cards, if a merchant offers to take payment in pounds, say that you’re happy to pay in lei since you know that your own bank won’t add a margin.

Generally speaking, it’s not a great idea to use credit cards to withdraw cash, but some travel credit cards won’t penalise you for this. Finally, make sure to check whether any ATM you use is going to charge a fee. High street bank ATMs are generally a safer bet than those in convenience stores or bars.

If your own bank has a local presence or partner in Romania, your best bet is to find an ATM operated by it, as this is most likely to charge low or zero fees.

Are American Express cards accepted in Romania?

Yes, although as with many countries, it’s not as widely accepted as Visa and Mastercard.

Contactless and chip-and-PIN payments

Mastercard research recently ranked Romania as the fifth biggest in Europe for the proportion of card payments made via contactless. In the first eight months of 2018, around two out of three Mastercard payments were completed contactlessly. This was a 139% increase year-on-year, so it’s safe to say you can expect to make contactless payments during your stay in Romania.

Is it safe to use my credit card in Romania?

Romania was well-known for ATM scams a few years ago. Due to the number of card skimming incidents and ATMs that had been tampered with, bank fraud teams tend to be a lot more careful when transactions in Romania are registered.

For this reason, it’s important to ensure your bank is aware you’re travelling there, or it might block payments for security reasons.

In order to stay safe when using your bank card in Romania:

  • Use an ATM within a bank. If for some reason the ATM eats your card, you’ll be able to quickly retrieve it. Also, ATMs within banks are less likely to be tampered with. Should you use one outside a bank, check for devices attached to the reader and cash return slot.
  • Consider taking an additional credit card. You can use your primary card for payments and keep your back-up card in your hotel room safety deposit box. That way, you’ll never be left without money.
  • Keep your card in sight. It’s better to be safe than sorry. Don’t let your card out of your sight.

How to prepare before travelling to Romania

  1. Get a credit card without foreign transaction fees. If you travel often, avoiding the 3% foreign transaction fee can save you a lot of money. Consider getting a travel credit card to avoid the foreign transaction fees.
  2. Opt for a Mastercard or Visa. They’re the most widely accepted cards across the globe and Romania is no exception, though you still can’t use your American Express card in some locations. There are also enough ATMs around if you want to withdraw cash with these cards as well.
  3. Carry a back-up card. Try to always carry a second card when travelling abroad, given you don’t know what could happen to your primary card.
  4. Get some cash. You should be able to exchange pounds for lei before your trip. Some major hotels may accept euros, but lei is the only currency that most retailers will accept. If you want to make a cash withdrawal in Romania, keep in mind that credit cards have additional fees while most debit cards don’t.
  5. Inform your bank you’re travelling to Romania. If you don’t let your bank know ahead of time when you’ll be away and where you’ll be, it may block your card if it suspects the charges are fraudulent.
  6. Make a note of your bank’s phone number. If you lose your card or have payment issues, you’ll be able to call the bank to resolve it.

Bottom line

If you travel to Romania, you can safely use your credit card to make payments and withdraw cash. You’ll just have to be careful to not incur unnecessary fees. With a decent travel credit card, you’ll avoid paying foreign transaction fees. By simply declining the DCC when offered, you’ll also avoid a poor exchange rate or commission.

Compare cards with fee-free currency conversion in Romania

Table: sorted by representative APR, promoted deals first
Updated daily
Name Product Finder score Finder score Foreign usage charge (EU) Foreign usage charge (rest of world) Purchases Annual/monthly fees Representative APR Link Incentive Representative example
The Royal Bank Credit Card
The Royal Bank Credit Card
4.5
★★★★★
★★★★★
Expert analysis
0%
0%
12.9%
£0
12.9% APR (variable)
Go to site
Read review
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
NatWest Credit Card
NatWest Credit Card
4.5
★★★★★
★★★★★
Expert analysis
0%
0%
12.9%
£0
12.9% APR (variable)
Go to site
Read review
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
Santander All in One Credit Card
Santander All in One Credit Card
4.5
★★★★★
★★★★★
Expert analysis
0%
0%
0% for 15 months reverting to 23.9%
£3 per month
29.8% APR (variable)
Check eligibility
Read review
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
118 118 Money Guaranteed Rate Card
118 118 Money Guaranteed Rate Card
3.5
★★★★★
★★★★★
Expert analysis
0%
0%
34%
£0
34% APR (variable)
Check eligibility
Read review
Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).
NatWest Reward Black Credit Card
NatWest Reward Black Credit Card
4.0
★★★★★
★★★★★
Expert analysis
0%
0%
21.9%
£84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum
40.7% APR (variable)
Go to site
Read review
You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).
Royal Bank of Scotland Reward Black Credit Card
Royal Bank of Scotland Reward Black Credit Card
4.0
★★★★★
★★★★★
Expert analysis
0%
0%
21.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
40.7% APR (variable)
Go to site
Read review
Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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