How long does Raiffeisen loan approval take in 2026?

For clients with salary credited at Raiffeisen, preliminary decision via Smart Mobile arrives within minutes, final contract within 2-3 business days. New clients wait around 7 days on average.

What is the minimum APR at Raiffeisen for personal loans?

The lowest APR published in June 2026 was 9.87%, available for clients with income above 7,840 lei and salary credited at the bank. Average profile sees 11.42% to 14.76%.

Can I refinance a Raiffeisen loan at another bank without large penalties?

Early repayment fee is capped by GEO 50/2010 at 1% of repaid amount with over 12 months remaining, or 0.5% with 12 months or less remaining. Ask for an official statement before signing.

Raiffeisen Bank review 2026: loan costs and conditions

For around 2.1 million Romanians, Raiffeisen Bank is the yellow-logo card pulled out at the supermarket checkout.

For others, it is the bank that signed their 2018 mortgage or their first personal loan after graduation.

The Romanian subsidiary belongs to Raiffeisen Bank International, headquartered in Vienna and listed on the Austrian stock exchange since 2005.

Who it is and who owns it

Raiffeisen entered Romania in 1998 through the acquisition of Banca Agricolă, then a deeply restructured state institution. The process closed in 2002, when the brand was unified under Raiffeisen Bank Romania. Share capital recorded in the BNR register at our check was 1,200 million lei, and the majority shareholder remains Raiffeisen Bank International AG with 99.49%.

The bank operates under a credit institution license, supervised directly by BNR and indirectly by the European Central Bank through the Single Supervisory Mechanism, since the Austrian parent exceeds the SSM asset threshold.

What is on offer in 2026

Personal loans: amounts between 1,500 lei and 167,000 lei, terms of 6 to 60 months. Standard documentation requires an income certificate, ID copy and bank statements for the last 3 months. Clients with salary credited at Raiffeisen skip the income certificate, as the bank verifies internally.

Casa Mea mortgage: financing up to 85% of property value, maximum term 30 years, fixed rate for the first 5 years between 5.87% and 6.42% depending on income profile. After the fixed period the rate becomes variable, calculated as IRCC plus a margin agreed at signing.

Mastercard World Elite: premium card with an annual fee of 487 lei, dedicated to clients with monthly income above 14,300 lei. Includes travel medical insurance with a 1.2 million euro cap, access to 8 lounges in major European airports and 1.3% cashback on selected categories.

Loan refinancing: the bank takes over loans from other institutions, with visibly lower costs for clients with clean credit history. See our refinancing guide before signing anything.

Rates and APR in 2026

For a personal loan of 47,500 lei over 48 months, the Raiffeisen Online simulator on 12 May 2026 showed a nominal rate of 8.42% and an APR of 9.87% for the ideal profile: salary above 7,840 lei credited at the bank, over 24 months at the same employer, no delays in the Credit Bureau over the last 4 years.

For the average profile, without salary credited at Raiffeisen, the same loan reached an APR of 13.28%. For clients with mixed income (sole-trader plus salary) or under 12 months at their current employer, the APR climbed to 14.76%, above the average for large commercial banks.

On the Casa Mea mortgage, the 5-year fixed rate of 5.87% to 6.42% sits in the upper half of the June 2026 banking league, though not at the top. BCR and BT communicated offers at 5.67% for similar profiles in the same period.

Alternatives to Raiffeisen for 2026

BCR Erste Group for clients who want the widest physical network, with comparable APR on premium profiles. Banca Transilvania for clients with entrepreneurial income, where BT has a more relaxed approval history for sole-traders and SRL administrators. ING Bank for clients who want no branch at all and accept a 100% digital relationship, with APR often 0.42 to 0.73 percentage points lower on personal loans.

For small amounts under 7,000 lei and urgent needs, see our non-bank lender comparator. For clients with a damaged Credit Bureau history, see our guide on loans with negative history.

Editorial verdict

Raiffeisen Bank is a solid option for the client who wants a complete banking relationship, with a stable app and a well-structured mortgage product. It is not, however, the offer with the lowest listed APR in June 2026 for a personal loan if you are a new client, and account maintenance fees have risen above the large-bank average. If you are already a client with salary credited at Raiffeisen, the offer for an additional loan deserves to be requested in parallel with one from BT or BCR and compared rigorously.

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Verified data for this institution

Checked: 2026-09-02 · Raiffeisen

Registered entity: Raiffeisen Bank S.A. · Registrul Instituțiilor de Credit · RB-PJR-40-009

Published APR: 9.93%

Published example for the checked product (RO): 50.000 lei · 60 luni · dobândă fixă 5,95% · rată 970,48 lei · primă unică de asigurare 3.600 lei inclusă în valoarea creditului · total 58.228,68 lei

The example belongs to the cited product and assumptions. It does not describe every product from the institution.

Official document