Raiffeisen Bank Romania Reviews 74

I made a bank transfer to Hong Kong for about $162 and was charged around $35 in fees.

Breakdown:

SWIFT fee: $11
Interbank fee: $1
OUR fee: $23

That is about 21.5% just in fees.

This was not clearly shown before confirming the payment. You only realize after the money is gone.

In 2026, charging over 20% for a simple transfer is not acceptable. It feels like theft.

I think this is my third time leaving a review and I have to say they still haven’t fixed the “pending” thing! I’ll leave as many bad reviews as possible, because I’ve never seen such an entitled bank in my life

they are constantly improving the app. still needs o cosmetic changes on payments but great overall

A formal audit has revealed consistent abusive practices and customer harassment. We are witnessing a deliberate manipulation of reality and facts to suppress organic impact and legitimate strategic assets. Such unethical behavior and lack of institutional integrity are being recorded under international protocols. Transparency is non-negotiable, and these distortions will face full legal and financial accountability

RAIFFEISEN BANK îs a Bank against the people ! They work for their pocket only !

Wondering why this Austrian bank still exist in Romania.

IOANA Varzaru was amazing she was we

Fake bank, focus only on profit with no interest to provide you good , clean and honest banking

I spent the entire morning at the bank just trying to activate the mobile app. None of their branches have a cash desk anymore — everything must be done through the app. You can’t even withdraw foreign currency from your account in person. Everything depends on the app, and when the app doesn’t work… you’re stuck.

This is by far the worst banking experience I’ve ever had. Elderly people or anyone without strong technical skills can’t even access their own money. A truly disappointing system.

Very bad experience in the Baneasa office

We had a very bad experience in the Baneasa office, the employees are not able or willing to respect the rules published by the bank in 3 extremely visible places. :(((

Crooks! A piece of shit bank, which made it impossible to pay invoices from the vendor app, impossible to pay invoices from their own app which is often not available, but which conveniently charges commission fees, because of """inactivity""".
Will be closing the account next time I'm in Romania.
To fix all these issues they ask you to call from overseas which costs a lot to be on the wait for their stupid customer agents to answer.

After traveling abroad, Raiffeisen Bank – in its infinite wisdom – decided to block my access to my own account. No warning. No reason. Just cut off.

For four days, their "support" staff delivered a masterclass in indifference and obstruction, refusing to restore access despite crystal-clear identity verification. Worse, they refused to escalate the matter. Not a single manager could be bothered. Not a shred of accountability.

The result? I had to fly back to Romania in person and drain the account completely. That’s the only language they understand: when the money leaves.

This is not a bank. It’s a bloated bureaucracy in a corporate costume, still soaked in Soviet rot—where incompetence is hidden behind procedure, nobody takes responsibility, and the entire operation survives by pretending to work and pretending to care.

A bank that operates completely outside of the law, especially GDPR. My wife closed all her accounts almost 3 years ago and she still gets emails from then. What is laughable is that they said in an email her accounts are blocked because she didn't update her personal details. How can they block accounts that do not exist anymore since they were closed. Imagine what kind of databases they work with, if this is the case. How can you even trust such a bank. If I'd be a client, I'd run like hell from a bank that doesn't even know who their clients are or aren't

I am sick of this poor customer service. Every time I call these ladies, they get on my nerves. They do not allow you to explain the whole situation and jump to the script. If you dare to interrupt them to tell them the full story with relevant details, they just continue to talk - sometimes I am wondering if it’s AI I am taking to.
Also, they cannot do anything in the system, apparently - tbh this is complete bs.
I informed them they need to change the delivery address for me, because they will waste resources, as I will not be at the address to pick up the new card and they couldn’t care less. I mean, this is my last interaction with them and will give up on the bank’s services as well. I deserve some respect and helpful customer support!

When your card expires and you ask for a new one early, the bank automatically sends you a second card even if you tell them you don't want a second one. They make you call them, wait about 20-30 minutes on the phone for them to answer. and another few minutes to explain what you want to do. It gets tiring. They should be more rational and serious.

I am a Romanian living overseas. While I was in Romania last year, I needed to open a bank account to sell a property, and I chose Raiffeisen Bank for that.
I have been advised by the bank teller to use my Romanian temporary phone number, even though I had specified that it would only be available for a while, as living overseas, I have another number.
But they said this would be fine, once I have the application on the phone.
Shortly after I returned to the country I am living in, the bank application I had on my phone was suddenly updated. From that moment I could not have access to my account in any way due to the temporary number I had. It could not function for any verification code anymore.
So, being overseas, I called and emailed the bank repeatedly, unsuccessfully, hoping to get access to my account (money) somehow. After a few weeks, I finally got an email, and, being unable to get back my bank account access, I asked how I could close the bank account due to my inaccessibility to my money, especially that the account has been opened to sell a property. I couldn't joke with this matter for long.
So, I was informed in an email to go to a branch when I return to Romania and close the account in person.
Alternatively, I could fly to the next country (we don't have an embassy) and make a "power of attorney" to a person in Romania and close my account in my name. Messy stuff, as I have no one I could ask for that.
So, I had enough.
I am living 17.000 km away from Ro., but I took leave from work and returned to Ro. I bought $4500 flight tickets + living expenses to sort out this situation.
Why? The bank is charging me 10 RON monthly, and I had no access to the money to see what on Earth was happening with my account.
And here's where the fun part starts:
I tried to close the account as such:
On my first visit to the bank, the teller (a guy) said that I couldn't close the account as there were still 40 RON in my account and I had to spend, transfer, or withdraw it. So, I spent it @ 28 RON and @ 11 RON or so.
On my second visit to the bank, hoping to close the account, the teller (a lady, this time) was questioning me as to why I spent the money, saying: "oh, what did you do, madam, what did you do?" referring to the money I spent on their advice, to clear the account and close it. She advised that I should have withdrawn it instead, like it would have mattered, anyway.
The sum was "pending", and I still could not count close the account in this case.
It was last Friday.
The lady added that there was still a sum of 10 RON left in the account, even if I had spent 40 RON, as the first teller had mentioned, and I had no clue how 10 RON had appeared in my account suddenly.
She advised me to spend the last 10 RON and told me to return next week.
Confused about why I had another 10 RON in my account, I left the bank.
The third visit to the bank was on Monday, yesterday. The bank was closed and fully empty, as, apparently, there was no power on the street and everyone was home.
The fourth visit to the bank was today, when I was told that the 10 RON which I was advised to spend were still "pending", so I still could not close the account. :)
Today is Tuesday the 4th of March, and I was asked (by the same first guy) to return on the 10th of March, as for sure on the 10th, the "pending sum" will be cleared. Really? 6 days needed to clear a sum?
It sounds like an absurd joke. I need to fly back home soon and return to work... and I am still in the position I was three months ago, trying to close the account.
Wish me luck! Tomorrow, I am going to another branch, hoping to be able to close the account. So incredibly ridiculous!
Raiffeisen should return to Austria. You, guys, need massive training, professionalism
and rigour. Why? Because what goes around comes around, and one day, you will not like the effect of the cause you create today.
I would rate it as a 10th of a star, but there is no such option. Utterly messed up service! I don't recommend it!

My experience with Raiffeisen Bank has been extremely disappointing. I encountered an accounting error caused by the bank itself, and the attempt to resolve it turned into a vicious cycle of inefficiency:
I was invited to visit the branch in person, only to then be redirected to send an email. Subsequently, I was told to make a phone call. It's evident that the request to come to the branch serves only to justify the presence of counter staff, given that they have neither the ability nor the authority to solve customers' problems.
This constant bouncing between different communication channels demonstrates a serious lack of internal coordination and an inability to effectively handle customer issues. The physical presence in the branch appears to be merely an empty formality, as every matter is anyway diverted to other channels.
It is unacceptable that an error made by the bank itself requires so much time and effort from the customer to resolve, and that people are made to move around unnecessarily just to maintain the appearance of a customer service that, in practice, is non-existent.
This experience reflects inadequate customer service management and inefficient internal organization that needs serious revision.

I live in the UK, Raiffeisen repeatedly said they would send my new, Visa card to my address in the UK, through a courier. We go round and round in circles writing emails. They never answer the phone. I have never received the Visa card, now they are saying that the card has been cancelled because I have not activated it in time, on my app the card appears to be ACTIVE . A mess ! Absolutely useless !

Too bad the system won't allow me to give them 0 stars. I want to close my account and they ask me to go on their bank in order to do that. I live in another country and I can't do that. It's funny that you could open an account online but to close it you need to travel 3300 km or spend time and money to make a power of attorney for a someone in Romania and that person to spend again money and time just to close a bank account that u made online. Run away from this,,bank" !!!

Worst Bank in the world, i would say more: they are just doing what ever they want, no regulations at all...
You could be 5000km away from your country, and they will just send you an EMAIL that you need to come to their bank so they will REVERIFY (what is not smart at all) your details, OTHERWISE THEY WILL BLOCK YOUR ACCOUNT!
And this is not because some suspicious activity, but JUST BECAUSE THEY WANT SO one in 2 years.
Also a lot of blocks, limitations... they think you live just to explain them how you spend your money and ask them if you can use your money...
WORST EVER, NEVER AGAIN!