Ferratum holds a distinct position on the Romanian market: a Malta-headquartered bank, not an NBFI, but the main product (Ferratum Money) covers the micro-credit segment with sums between 100 and 5,700 lei. APR (18-22%) is among the most accessible in the small-sum segment.
Quick answer
Ferratum Bank p.l.c. is Malta-authorised by MFSA, registered with NBR as foreign bank branch. Ferratum Money product: 100-5,700 lei, 3-24 months. APR 18.2-22.4%. Apply at official site.
Legal status implications
Primary supervision by MFSA, NBR as host authority. Maltese deposit guarantee scheme applies (limited relevance since the main product is credit, not deposit). Romanian consumer credit law (GEO 50/2010) applies.
Roman Dumitrescu, former BCR risk analyst: "A reader, Ana, 29, in Sibiu, took 1,500 lei from Ferratum: 22 minutes from application to funds. APR 22.4%. For sums under 5,700 lei needing fast turnaround, the micro-credit bank segment offers best speed-cost combination."
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Frequently asked questions
Is Ferratum a bank or NBFI in Romania?
Ferratum Bank p.l.c. is a Malta-headquartered bank authorised by the Malta Financial Services Authority and registered with NBR as a foreign bank branch under EU passport. Unlike an NBFI, deposits benefit from the Maltese deposit guarantee scheme.
What sums and terms does Ferratum offer in 2026?
Ferratum Money product: sums between 100 and 5,700 lei, terms 3-24 months. The company has historically positioned on the micro-credit segment.
Ferratum APR June 2026?
Official simulator at 18 June 2026 shows APR 18.2-22.4% for typical sums. For 2,350 lei over 12 months: APR 21.3%, monthly 220 lei, total interest 290 lei.
Who can apply to Ferratum?
Minimum age 18, Romanian citizen with stable residence. Minimum declared income 1,870 lei monthly. No active overdue records required.
How long for money to arrive on card?
For sums under 2,400 lei and pre-approved profiles, money is transferred to card in 15-30 minutes after signing. For larger sums or manual review, 2-24 business hours.