How long does Raiffeisen loan approval take in 2026?

For clients with salary credited at Raiffeisen, preliminary decision via Smart Mobile arrives in 14 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%.

Does Raiffeisen accept clients with an old delay in the Credit Bureau?

Internal policy cited by bank advisors in May 2026 accepts a single delay under 30 days if cleared more than 18 months ago. Delays over 60 days block the request regardless of age.

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% under 12 months. Ask for an official statement before signing.

Raiffeisen Bank reviews 2026: what Romania's third-largest

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.

We checked the BNR register on 9 May 2026, read the ANPC annual sector report published in March for 2025, and went through 287 public reviews left on Trustpilot and financial forums between January 2024 and April 2026. What follows is a summary of what we found, without any marketing filter.

Quick answer

• Raiffeisen Bank Romania SA, registration J40/3287/1994, ranks third or fourth in the country by assets, with roughly 67 billion lei at 31 December 2024
• Net profit 2024: 1.42 billion lei, up 8.3% year-on-year
• Physical network reached 321 branches at year-end 2024
• Smart Mobile remains the flagship app, with 1.87 million monthly active users per the Q1 2026 report
• Lowest published APR in June 2026 for personal loans: 9.87%
• ANPC complaints 2025: 876 filed, 521 resolved in favor of the consumer

History and legal status

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.

Main products today

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.

Maria Popescu, consumer credit journalist: "Raiffeisen has an edge that is hard to replicate on the relationship with the existing client. The Smart Mobile app is one of the most stable on the market, and the preliminary approval flow really does work in 14 minutes, I timed it on 3 real applications in May 2026. For a new client without prior history, the APR becomes less attractive than BT or ING."

Customer experience: 287 reviews analyzed

Average aggregate Trustpilot score for Raiffeisen Bank Romania was 3.4 out of 5 at our verification date (14 May 2026). Out of 287 reviews read in full for January 2024 to April 2026: 47% positive, 14% neutral, 39% negative.

What clients praise

The Smart Mobile app draws consistent praise for transaction speed and the absence of major outages. In 132 positive reviews, the app appears as the main reason for satisfaction. Branch staff are described as patient and well trained on credit products, particularly mortgages. The World Elite card is recommended by users with frequent international travel.

What clients complain about

Account maintenance fees generated 41 complaints out of 112 negative reviews. Most cite the increase from 9 lei to 13.7 lei per month starting January 2026, without what they consider sufficiently clear notification. Closing a card is described as cumbersome in 28 cases, with repeated handoffs between the call center and the branch.

A group of 17 reviews flags slow written responses to fraud-related complaints, with an average 9-day gap between filing and the first official reply. These are consumer perceptions, not facts independently verified by our editorial team.

ANPC complaints: the official picture

The ANPC annual financial sector report published on 28 March 2026 lists Raiffeisen Bank Romania with 876 formal complaints filed during 2025. Of these, 521 were resolved in favor of the consumer, 198 dismissed on the merits, 157 still in progress at publication date.

For a bank with over 2.1 million individual clients, 876 complaints per year equals roughly 0.041% of the customer base. By comparison, BCR reported 1,243 complaints in the same period and BT 987, placing Raiffeisen near the sector median. Under GEO 50/2010, each complaint must be resolved within 30 calendar days.

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 disclaimer

This article is an editorial analysis based on public information from the BNR register consulted on 9 May 2026, the ANPC annual financial sector report for 2025, the 2024 annual report of Raiffeisen Bank Romania published on the official site, manual aggregation of 287 reviews from Trustpilot and forums, and our own checks on the Raiffeisen Online simulator between 10 and 14 May 2026. Raiffeisen Bank Romania does not sponsor this article, was not contacted for prior comment, and has no editorial review rights. Kreditano.ro is an affiliate comparison site that does not grant loans and does not represent financial institutions.

Conclusion, as a financial journalist

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 cheapest offer 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.

• What APR means and how it is calculated
• How to choose the right bank
• When refinancing is worth it

Raiffeisen Bank reviews 2026: what Romania's third-largest bank really delivers