Romania’s three-month ROBOR rose above 6% on 1 October 2026 and reached 6.11% a year on 2 October. For borrowers whose loan uses this benchmark, the practical question is when the new figure enters their interest calculation. That depends on the contract, rather than the date of a news headline.
Crossing 6% is noticeable. It does not automatically reset every borrower’s monthly payment.
ROBOR in October 2026: the figures published by BNR
On 1 October, all seven maturities in BNR’s daily table stood above 6%. Three-month ROBOR increased from 5.98% to 6.06%, while six-month ROBOR moved from 6.04% to 6.12%. Both increases were 0.08 percentage points.
The 2 October figures show another increase across every maturity listed, including the three-month and six-month benchmarks used in loan contracts.
| Maturity | 30 September | 1 October | 2 October |
|---|---|---|---|
| O/N (overnight) | 5.93% | 6.03% | 6.06% |
| T/N (tomorrow next) | 5.93% | 6.03% | 6.06% |
| 1 week | 5.93% | 6.03% | 6.07% |
| 1 month | 5.93% | 6.03% | 6.07% |
| 3 months | 5.98% | 6.06% | 6.11% |
| 6 months | 6.04% | 6.12% | 6.16% |
| 12 months | 6.09% | 6.18% | 6.22% |
Source: BNR’s official daily ROBID–ROBOR table, checked on 2 October 2026. Our table reproduces the ROBOR columns, not ROBID. These are observations for the stated dates, not forecasts.
Which loans can be affected?
Check the interest formula in your contract: the benchmark’s name, the bank’s added margin and the clause explaining when the rate resets.
If the formula includes ROBOR, an increase can raise your interest rate at the next contractual reset. If it uses IRCC, the bank does not simply substitute the latest ROBOR quote. During a fixed-rate period, the interest rate does not automatically follow ROBOR either.
A three-month or six-month maturity identifies the benchmark. The observation date, reference period and reset frequency for your own loan are separate contractual details. Two borrowers with similar outstanding balances can therefore have different payments even when both loans are linked to ROBOR.
Our guide to ROBOR versus IRCC and changing benchmarks explains why comparing two percentages alone is insufficient. The lender’s margin and the contract’s terms remain part of the calculation.
How much could a payment change?
An increase of 0.08 percentage points does not mean an 8% increase in your monthly payment.
Illustrative Kreditano calculation: assume an outstanding balance of RON 250,000, 240 months remaining, equal monthly payments and a fixed margin of 2.50 percentage points. Fees, insurance and other costs are excluded. Only the benchmark changes; all other assumptions stay the same.
With ROBOR at 5.98%, the nominal annual interest rate would be 8.48%. At 6.06%, it would become 8.56%; at 6.11%, it would reach 8.61%. Calculated monthly payments are approximately RON 2,166, RON 2,179 and RON 2,187. That is about RON 13 and RON 21 more than the first scenario.
These figures are neither bank offers nor annual percentage rates of charge.
The example isolates the effect of the benchmark on one payment calculation. It does not predict the cost over the next 20 years or assume that interest rates will remain unchanged. For an existing loan, use today’s outstanding balance and remaining term, rather than the original amount and duration.
Try your own assumptions in the mortgage payment calculator. Enter the full nominal interest rate: benchmark plus margin. Entering only ROBOR understates the payment for a loan that also charges a bank margin.
ROBOR and IRCC are separate measures
A rise in ROBOR does not determine the IRCC value for that day.
BNR separately publishes its consumer credit reference index series. Quarterly IRCC uses a different calculation and a delay between the underlying data period and application. It is not obtained by copying three-month ROBOR.
The Kreditano IRCC monitor shows values and application periods. Keep the comparison tied to your contract: a lower benchmark alone does not guarantee a cheaper loan.
What to ask before refinancing
Start with the next interest reset date and the benchmark value the lender will use at that point in your contract.
Ask for the benchmark, margin, outstanding balance, remaining term and updated repayment schedule in writing. When considering refinancing, request a quote for the same balance and remaining term. A smaller monthly payment achieved by extending the term can come with a higher total repayment.
Compare switching costs, fixed-rate conditions, insurance and the formula that applies after any introductory period. The refinancing calculator helps organise the assumptions. Check its estimate against the lender’s written offer.
If you are choosing a new loan, begin with our mortgage comparison. A ROBOR headline is not a reason to sign in a hurry.
What two days of increases cannot tell us
Two rising daily quotes do not establish a path for the whole quarter or support a certain prediction about your next payment.
The published figures confirm the levels in the table. By themselves, they do not establish why rates moved or how long the movement will last. For a household budget, checking the next payment under the contract remains more useful, alongside a scenario with a further interest-rate increase.
This Kreditano analysis focuses on what the figures mean in practice, without assigning the same payment increase to every reader. Updated with BNR data available on 2 October 2026.