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Survey: Over half of Romanians use Internet Banking / Mobile Banking

October 13, 2025

 Over 57% of Romanians use Internet Banking / Mobile Banking services to make transactions, and of these, 33% pay online services on a regular basis, weekly or even more often, according to a survey conducted by CEC Bank in partnership with the banking comparator FinZoom.ro.According to the bank, another 24.5% use these services only occasionally, less often than once a month.The survey shows that over 63% of respondents used their bank card to make a payment for online shopping, and over 47% of respondents constantly use the card or a bank account to pay monthly bills.According to the survey, 27% only sometimes use the card or a bank account to pay monthly bills, while 26% pay utility bills only in cash.Payment at physical stores is made both with cash and by card by most Romanians (about 40%), while almost the same share (37.5%) use cash only. About 23% of respondents pay by card alone.On the other hand, over 38% of respondents say that they use Google Pay / Apple Wallet for purchases in stores directly with their phone, up from previous years.The survey was conducted online, by the financial comparator FinZoom, commissioned by CEC Bank, on a representative sample of about 1,200 respondents from all over the country, representative of internet users. 58% of the respondents are gainfully employed, over 70% live in the city, 40% have higher or postgraduate studies.CEC Bank is the financial institution with the longest tradition in Romania. Founded in 1864, CEC Bank currently has the most extensive national network, with over 1,000 branches and local outlets.CEC Bank is a top universal bank in Romania offering a complete range of products and services to individuals, SMEs and large corporations, through multiple distribution channels: banking units, ATM and POS networks, mobile banking (CECapp) and the virtual store CEC_IN - where 100% online banking products and services can be accessed.CEC Bank Group was established by the takeover, on July 27, 2023, by CEC BANK S.A., of the majority stake (99.993%) in Fondul de Garantare a Creditului Rural - I.F.N. S.A. (FGCR), together with the Ministry of Agriculture and Rural Development.    

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