Top Free Finance Apps in Romania

Ghiseul.ro Join over 1.4 million Romanians who already use Ghiseul.ro.
No more worries in your interaction with the Romanian public administration!
Use the Ghiseul.ro app to pay online – simply, quickly and securely – over 350 types of public
services, fees and taxes, provided by +1200 Romanian institutions and authorities.
All payments made through Ghișeul.ro, the official online payment system of the Romanian
Government, have ZERO commission.

Your 7 benefits when using the app:
1. Save time – pay online, with no unnecessary trips to institutions;
2. Non-stop service – pay when you want;
3. ZERO commission on every payment;
4. Safe transactions – the security of transactions is guaranteed and you can check the status of
your payments anytime;

SERVICIUL COMUNICARE PUBLICĂ

5. Payment confirmation issued immediately – you receive the payment confirmation by e-
mail, as soon as the transaction is processed;
6. Traceability – see all transactions you made in the Payments History section of the
application;
7. Access the proof of payment, which is legally recognized, whenever you need to.

Depending on your needs, you have two options:
1. you create an account using the app, where you will find all payment obligations for taxes;
2. you use the app to make payments that do not require authentication, such as service-
specific fees (passport, car licenses, certificates or registration plates, bulletin), fines, court fees,
etc.

Create a Ghiseul.ro account using the 7-step Account Creation Guide at:
https://www.adr.gov.ro/ghiseul-ro/

Don't forget: between January 1 and March 31, you have up to 10% discount on paying taxes.
Terms and conditions apply to this offer. Find out what the specific conditions are from your
local town hall.
Also remember that Ghiseul.ro can be used only by Romanian citizens that have a Romanian ID
and unique code (CNP) and a bank card.

In 2022, Ghiseul.ro processed over 3.4 million transactions, worth over 1.4 billion lei.
Ghiseul.ro is the official online payment platform of the Romanian state, managed by the
Authority for the Digitalization of Romania. Ghiseul.ro , a leading app in the Finance Apps category, boasts a robust user base with a total of 868M installs. It sees impressive engagement with 50M monthly installs and 748K daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Ghiseul.ro was first released January 25, 2023, and has been continually updated, with the latest update rolled out just March 24, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.8.380. With 38 reviews, Ghiseul.ro maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Raiffeisen Smart Mobile Enjoy Raiffeisen Smart Mobile - smart banking - wherever you are!

Here are some of the benefits of Raiffeisen Smart Mobile:
• You can open your account and become a client straight from your phone, 100% online.
• Intuitive interface: Easily find anything you need.
• Secure authentication and authorization: Use PIN, fingerprint, or FaceID when registering your device.
• Smart Hour - BNR exchange rates: Exchange between RON and EUR at the NBR exchange rate from Monday to Friday 10:00 - 11:00.
• Application personalization: Personalize the Dashboard using a simple "drag & drop" feature. Optionally hide the balance for your accounts or change your username.
• Instant payments: Send payments that reach the destination in 10 seconds. Available 24/7/365 for all banks enrolled in the instant payments system.
• Saving Box: Automatically save money with every card payment and earn interest. Choose how much to save for each payment.
• Smart Search: Easily find and repeat past payments.
• Control over your cards: Block, reissue, or view your card PIN with just one touch.
• Direct access to the Smart Market loyalty app: Get rewards such as cashback, discounts, vouchers, and loyalty points.
• Future payments: Schedule future payments, set up direct debit bill payments, or save them as templates.
• Access to products for your daily needs: Open current accounts, savings accounts, and term deposits with ease. Get a personal loan, Flexicredit, 100% online in about 10 minutes.
• Smart investments: Purchase Raiffeisen Asset Management unit funds if you have already signed a contract and have the required documents.
• Push notifications: Receive instant updates on money going in or out of your current accounts or payments made with your card.
• SmartToken: Safely authenticate and authorize payments, 100% online, with Raiffeisen SmartToken.
• Pay utility bills: Multiple convenient ways to pay utility bills, including quick payment, barcode scanning, direct debit, and pre-filled payment forms. Top-up your prepaid mobile plan as well!
• Update personal data: Easily update necessary data directly within the application. No phone calls or bank visits required!

These are just some of the benefits offered by Raiffeisen Smart Mobile! Make sure to always have the latest app version installed from the app store to enjoy all the continuously added new features. Raiffeisen Smart Mobile , a leading app in the Finance Apps category, boasts a robust user base with a total of 4B installs. It sees impressive engagement with 60M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Raiffeisen Smart Mobile was first released November 28, 2018, and has been continually updated, with the latest update rolled out just March 31, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 4.68.0.41. With 212 reviews, Raiffeisen Smart Mobile maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Raiffeisen SmartToken Be the first who tries the new Raiffeisen SmartToken app, integrated with Raiffeisen Smart Mobile and Raiffeisen Online - helping you to authenticate and order any transaction safely and securely, wherever you are, using just your mobile phone.
The app is an eToken that makes authentication easy and makes everything 100% online, without the need for a physical token.


To activate authentication via Raiffeisen SmartToken, all you need to do is tick the option in your new Raiffeisen Smart Mobile app. Raiffeisen SmartToken , a leading app in the Finance Apps category, boasts a robust user base with a total of 3B installs. It sees impressive engagement with 40M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Raiffeisen SmartToken was first released November 28, 2018, and has been continually updated, with the latest update rolled out just February 03, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 2.29.0.11. With 33 reviews, Raiffeisen SmartToken maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Google Wallet Google Wallet gives you fast, secure access to your everyday essentials. Tap to pay everywhere Google Pay is accepted, board a flight, go to a movie, and more – all with just your phone. Keep everything protected in one place, no matter where you go.

CONVENIENT

Get what you need fast
+ Three quick ways for accessing your everyday essentials: use your phone’s quick settings for fast access, open the Wallet app from your homescreen or use Google Assistant when your hands are busy.

Access Google Wallet from your Wear OS watch
+ Get instant access to Wallet on the Wear OS main watch face with complications.

Carry cards, tickets, passes, and more
+ Catch a train, see a concert, or earn rewards at your favorite stores with a digital wallet that carries more
+ [US Only] Unlock the world around you with a digital wallet that carries your drivers license and digital car keys

What you need, right when you need it
+ Your Wallet can suggest what you need, right when you need it. Get a notification for your boarding pass on the day of travel, so you’ll never have to fumble in your bag again.

HELPFUL

Keep track of receipts
+ Easily find transaction details in Wallet, including smart details like location pulled from Google Maps

Seamless integration across Google
+ Sync your Wallet to keep your Calendar and Assistant up to date with the latest info like flight updates and event notifications
+ Shop smarter by seeing your point balances and loyalty benefits in Maps, Shopping, and more

Get started in a snap
+ Set up is seamless with the ability to import cards, transit passes, loyalty cards and more that you’ve saved on Gmail.

Stay in the know on the go
+ Make boarding flights a breeze with the latest information pulled from Google Search. Google Wallet can keep you posted on gate changes or unexpected flight delays.

SAFE & PRIVATE

A secure way to carry it all
+ Security and privacy are built into every part of Google Wallet to keep all your essentials protected.

Android security you can count on
+ Keep your data and essentials secure with advanced Android security features like 2-Step Verification, Find My Phone, and remotely erasing data.

Tap to pay keeps your card secure
ALT: + When you tap to pay with your Android phone, Google Pay doesn’t share your real credit card number with the business, so your payment info stays safe.

You’re in control of your data
+ Easy to use privacy controls allow you to opt-in to sharing information across Google products for a tailored experience.

Google Wallet is available on all Android phones (Pie 9.0+), Wear OS and Fitbit devices.
Not all features are available for supervised accounts. Learn more about Wallet for supervised accounts here: https://support.google.com/wallet?p=about_wallet_supervised.
Still have questions? Head over to support.google.com/wallet. Google Wallet , a leading app in the Finance Apps category, boasts a robust user base with a total of 1847B installs. It sees impressive engagement with 4B monthly installs and 1B daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Google Wallet was first released June 24, 2011, and has been continually updated, with the latest update rolled out just March 26, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 26.8.872176072. With 338790 reviews, Google Wallet maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

BT Pay Inregistreaza-te in aplicatia BT Pay, lansata de Banca Transilvania, completand urmatoarele informatii: numarul de telefon, data nasterii si detaliile cardurilor BT pe care le doresti sa fie incluse in aplicatie, in format digital, pentru a plati cu ele contactless.
Pentru a utiliza aplicatia e nevoie ca in prealabil sa iti setezi o metoda de securitate pe telefon (pin, pattern, amprenta, etc.)

Ce poti face cu aplicatia BT Pay? Multe:

• Platesti cumparaturile cu telefonul alegand oricare dintre cardurile BT inscrise in aplicatie. E simplu, rapid si fara comision;
• Trimiti bani catre cine doresti sau poti solicita sa ti se trimita bani cand ai nevoie. Tot ce trebuie sa stii pentru transfer este numarul de telefon al persoanei catre care/de la care este transferul de bani;
• Poti transfera bani intre conturile cardurilor tale BT;
• Poti vedea istoricul tranzactiilor cardurilor cuprinse in BT Pay si cati bani mai ai pe cardul BT. Daca ai si card de credit BT, poti afla inclusiv sumele lunare de plata si cate puncte de loialitate STAR ai acumulate, pentru a le folosi ulterior la alte cumparaturi. Totul, in timp real;
• Primesti in exclusivitate oferte ale partenerilor STAR si ale BT.

Bucura-te de experienta BT Pay! BT Pay , a leading app in the Finance Apps category, boasts a robust user base with a total of 6B installs. It sees impressive engagement with 80M monthly installs and 4M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. BT Pay was first released January 28, 2018, and has been continually updated, with the latest update rolled out just March 31, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 4.6.1(03e31cee17). With 243 reviews, BT Pay maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

ING HomeBank At ING we believe your bank must be simple and intuitive, our life being complex enough. It is not only about the money, but also about the freedom of accessing them securely, wherever you are.

- You can open your online current account, if you are Romanian citizen, of minimum 18 years old, you have a permanent address in Romania and have a valid identitity card
- You may have a joint account for family expenses
- Your kid also can get a current account and card, with you permanently in control.
- You can access instant personal needs loans, credit cards and overdrafts.
- You can simulate the eligible amount for your mortgage loan.
- You protect your loved ones with life, health, or salary insurance.
- You can access term deposits and savings accounts.
- You can issue virtual cards and instant add them to Google Pay, Garmin Pay
- You can invest in mutual funds.
- You can use FX at better rates.

All financial chores become simple with Home'Bank, with an intuitive interface, fast access and well thought functions which are meant to help you.
You are in full control of your money, directly on the phone which will become a trusted device:

- You can authenticate without SMS code once the device is registered as trusted.
- You have the option of simple logging on, with fingerprint or facial authentication.
- You pay faster using only your password.
- You receive push notifications for 3D secure payments authorisation, also for all the operations from your current accounts.
- Do not forget to activate geolocation. It helps us detect fraudulent activity initiated from foreign geographic areas in Home’Bank.


You decide where you shop! You can access offers from over 100 partners in Bazar, from which you will receive cash-back.

You have plenty of payment options:
- Alias Pay: payments based on the phone number only.
- You can pay with the phone. You don’t need a physical wallet, you pay with Android Pay
- Paying your invoices, with Scan&Pay option, you can pay your invoices just by scanning them with your phone camera.
- Online instant payments: RON Transfers to other banks in Romania are instant, including invoice payments or to other suppliers, if their bank is enrolled in the instant payment program.
- Payment requests: You can send payment requests to friends from your phonebook. They receive a payment notification in Home’Bank.

Still not convinced? More details here: https://ing.ro/lp/onboarding

The application is available in Romanian language and uses cookies.
By using the application, you express your consent for cookies usage. You can read more about cookies, here https://www.ing.ro/ing-in-romania/informatii-utile/termeni-si-conditii/cookies

ING Home'Bank is more than a banking app – it is your dashboard for your money.

Why choose ING?
Because it is simple. Fast. Thought out for you.
Every detail exists to make your life easy, while you have more time for what’s most important to you. ING HomeBank , a leading app in the Finance Apps category, boasts a robust user base with a total of 3B installs. It sees impressive engagement with 50M monthly installs and 756K daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. ING HomeBank was first released February 28, 2012, and has been continually updated, with the latest update rolled out just March 19, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 4.36.0. With 610 reviews, ING HomeBank maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Salt Bank Download the app, open your bank account and enjoy many benefits:

- Easily save with Sapces for both small and big plans.
- A multicurrency card with an excellent exchange rate and a smart way to understand your spendings.
- A card ready for instant payments, enrollment in the Wallet and contactless withdrawals at the ATM.

Banking, but as you want it.

*Terms and conditions on www.salt.bank

SALT BANK S.A.
Address and Registered Office: Bd. Dimitrie Pompei, no. 5-7, Hermes Business Campus, corp B, floor 6, sector 2, 020335, Bucharest, Romania Salt Bank , a leading app in the Finance Apps category, boasts a robust user base with a total of 1B installs. It sees impressive engagement with 30M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Salt Bank was first released March 04, 2024, and has been continually updated, with the latest update rolled out just March 06, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 2.27.1. With 10 reviews, Salt Bank maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

SelfPay Now Download SelfPay Now and enjoy a simple and secure financial experience:

- Deposit cash instantly onto any card at SelfPay Payment Stations.
- Transfer money – instantly and for free – to friends or between your cards, regardless of the issuing bank.
- Pay bills and taxes to municipalities.

Turn every SelfPay Payment Station into a deposit ATM, and your cash is available on your card instantly. You can add money to any bank card enrolled in the app as easily as at a regular ATM. There is no need to search for a specific bank's ATM to make deposits, as you have access to over 12,000 SelfPay Payment Stations nationwide, located in major retail chains (Mega Image, Carrefour, Auchan, Cora, Kaufland, Profi), gas stations, and convenience stores.
Transfer money to friends who are app users or between your cards. With SelfPay Now, transfers are quick and free, regardless of the type of bank cards enrolled in the app.

Address: 153-155, Dacia Blvd. Bucharest, 5-7th floor, District 2 SelfPay Now , a leading app in the Finance Apps category, boasts a robust user base with a total of 956M installs. It sees impressive engagement with 30M monthly installs and 587K daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. SelfPay Now was first released October 15, 2021, and has been continually updated, with the latest update rolled out just March 25, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 2.1.0. With 16 reviews, SelfPay Now maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Pluxee ✨ What You Can Do with Pluxee:
✔ Check Your Balance Anytime
Stay on top of your spending with real-time updates on your balance and transactions.

✔ Discover Nearby Places
Find partner locations near you where you can use your benefits — from restaurants to retail.

✔ Pay with Ease
Use Apple Pay or Google Pay to make fast, secure payments directly from your phone.

✔ Get Exclusive Offers
Unlock special deals and make your benefits go even further.

✔ Enjoy a Seamless Experience
One app, all your benefits — designed to be fast, safe, and easy to use.

💬 Love the app? Let us know!
Your feedback helps us keep improving. Rate and review the app and help us shape the future of your Pluxee experience.

🙋 Need support?
If every country our local teams are here to help — support details available in the app.

Romania:
email - apphelp.ro@pluxeegroup.com
Phone - +40212072727

Austria:
email - kontakt@care.pluxee.at
Phone +43 1 328 60 60

Luxembourg:
email – consumers.lu@pluxeegroup.com
Phone - +352 28 76 15 00 Pluxee , a leading app in the Finance Apps category, boasts a robust user base with a total of 1B installs. It sees impressive engagement with 200M monthly installs and 6M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Pluxee was first released May 19, 2025, and has been continually updated, with the latest update rolled out just March 27, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.11.1. With 11 reviews, Pluxee maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Revolut: Spend, Save, Trade Join the 70+ million customers worldwide who use our app to spend, send, and save smarter.

Make your spend, well-spent
Pay any way, with physical cards, virtual cards, single-use virtual cards for extra protection, Google or Apple Pay
Spend abroad with great exchange rates (fees additional to the rate provided may apply)
Access 55+ K in-network ATMs worldwide with no fees
Link your external bank accounts to stay on top of all your spending
Design a physical card you vibe with (fees may apply).

Set your kids up for financial success. Get them a Revolut ＜18 account, with their own card, so they can learn about money in a safe and fun way

Send money near, far, wherever they are
Request or send 25+ currencies with a tap to anyone, anywhere
Chat, send, and receive money, in one place. Whatever your plans, transfers are almost instant between your Revolut friends with P2P payments
Split and settle bills in one place. You can even share a fun GIF to diffuse any tension

Save the interest-ing way
Grow your money with up to 4.25%* APY with Savings Vaults, Access your savings whenever you need to, with zero penalties or fees
Build your savings effortlessly — set up recurring transfers and round up spare change to stash cash

Explore Stock Trading (capital at risk)
Start trading stocks from $1 (other fees may apply)
Choose from 2,000+ stocks to invest in some of the world's most popular companies
Enjoy no-commission stock trading within your monthly allowance (other fees may apply)

All investments involve risk, including possible loss of principal. Investment accounts and disclosures may be displayed together. Self-directed brokerage products are provided by Revolut Securities Inc., member FINRA/SIPC. Brokerage Products • Not FDIC Insured • No Bank Guarantee • May Lose Value. Automated investing is provided by Revolut Wealth Inc, an SEC-registered investment adviser.

End the overspend
Get instant spending notifications to keep track of every payment
Use smart budgeting and analytics tools to stop wondering where your money went, and start telling it where to go
Worried about missing upcoming payments or subscription charges? Don't be — we'll notify you beforehand
Upgrade to one of our paid plans to get exclusive cards, more benefits, and even cooler perks. Pick the plan that's right for you: Premium or Metal (Paid Plan T&Cs and subscription fees apply).

Unlock security features that you control
Freeze and unfreeze your card in a tap
Use single-use cards with new details generated each time you use it, for an extra layer of protection
Set spending limits and get notifications to keep track of your money

How we protect your money
Our sophisticated fraud prevention system flags high-risk transactions and pings you an alert, so you can spot scams, and nip 'em in the bud
Extensive identity verification keeps sign-ups secure, and your account is protected with passcodes and biometrics
We're available 24/7 via our in-app customer support

Funds in your Revolut Prepaid Card Account are held at or transferred to Lead Bank, Member FDIC, and are insured by the FDIC up to $250,000 applicable limits by the FDIC in the event Lead Bank fails if specific deposit insurance requirements are met. See FDIC-Prepaid Cards and Deposit Insurance Coverage.

California Privacy Notice: https://www.revolut.com/en-US/legal/privacy

*The highest APY is available to users on a Premium or Metal plan. Annual Percentage Yield (APY) is a variable rate and subject to change. These APYs are accurate as of October, 20th, 2023. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC

Revolut Ltd (No. 08804411) is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 107 Greenwich Street, 20th Floor, New York, NY 10006 Revolut: Spend, Save, Trade , a leading app in the Finance Apps category, boasts a robust user base with a total of 83B installs. It sees impressive engagement with 2B monthly installs and 21M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Revolut: Spend, Save, Trade was first released June 01, 2015, and has been continually updated, with the latest update rolled out just March 26, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 10.123. With 233484 reviews, Revolut: Spend, Save, Trade maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.