The product was developed based on real needs identified among this audience and validated by strong interest during the pre-launch campaign held between April and May.
The launch follows a study dedicated to the Romanian diaspora conducted by Frappe Digital, which shows that their connection with Romania remains strong: 6 out of 10 have been living abroad for over 8 years, yet return home at least once or twice a year, mainly to visit family. At the same time, managing money across two countries and accessing simple, digital, and cost-efficient financial services remain key needs.
The Diaspora current account package directly addresses these needs. It can be opened 100% online via the mobile banking app and includes multiple benefits: a euro account with free, unlimited transfers and incoming payments; a lei account and debit card with free, unlimited transfers and incoming payments; exchange rates based on the BNR rate up to EUR1,500/day (maximum EUR10,000/month via the mobile app, on working days between 10:00–11:00); preferential EUR–RON exchange rates; a digital-first debit card available immediately after onboarding; and a physical card with reduced delivery fees abroad, the same as in Romania, along with a free and secure mobile app providing access to all banking products and services.
“Strong interest during the pre-launch confirms that Romanians in the diaspora need simple, digital solutions that keep them financially connected to Romania. Through the Diaspora account, we offer fast access to their money, transparent costs, a competitive exchange rate, and modern remote banking solutions, so they can more easily support their families, manage savings, and plan investments in Romania. It is a natural step in our strategy to stay close to customers wherever they are,” said Mihail Ion, Vice President Retail and Member of the Management Board of Raiffeisen Bank Romania.
The current account package is available for Romanians living in Austria, Belgium, France, Germany, Greece, Italy, the United Kingdom, the Republic of Moldova, and Spain.
The first 30,000 customers who open a Diaspora account in June 2026 can receive total bonuses of up to EUR500 guaranteed (equivalent in RON): EUR100 for becoming a customer, plus up to EUR400 more if they refer friends to Raiffeisen Bank Romania.