The top spots are held by Czech Republic with 62% and Austria with 55%.
In Slovakia, the online banking usage rate stood at 45% last year, and Hungary was at 27%.
Nearly one third of online banking users (28%) use this tool to make cashless payments and check their accounts, according to a survey ordered by Erste Group and BCR.
The survey was conducted in February on a sample of 1,238 people aged 15 to 65 with medium and large incomes, with investment portfolios.
One in five people who have contractual realizations with at least one bank uses online or mobile banking, as well as bank office services, BCR said in a press release Thursday.
In Romania, 26% of respondents aged 30 to 49 own smartphones, 14% own tablets, 47% own PCs and 41% own laptops or notebooks. Nearly half (47%) of smartphone and tablet users access internet banking from these devices for payments and payment orders and 41% use a browser to check their accounts.
According to the survey, 69% of people who already have banking products make payments, withdrawals and deposits in self service areas, which is the most widely used channel, while the fast advisory area serves over 60% of respondents for trading operations.
Also, 63% of responders seek information on banking products directly at bank offices, 51% require advice and 28% seek information from family and friends.
BCR has over 250,000 active users of digital banking services.