Last reviewed: · Curated by Ohmyfin Organisation editorial.
Romania is the largest source of EU labour migrants in Italy, and the Italy–Romania remittance corridor is one of the busiest intra-EU lanes. EUR transfers for most amounts use SEPA Credit Transfer, which credits the Romanian bank within hours. EUR is converted to Romanian leu (RON) at the BNR daily reference rate. For amounts eligible for SEPA Instant Credit Transfer (SCT Inst), funds can arrive in seconds. Large-value transfers above EUR 999,999 use TARGET2 → ReGIS (National Bank of Romania's large-value RTGS). Both Italy and Romania are EU member states sharing the same AML directive framework, which minimises compliance-related delays. Track your UETR on Ohmyfin.
Settlement path: SEPA SCT / TARGET2 → ReGIS (National Bank of Romania). Currency pair: EUR → RON.
The three most common causes of delay on this corridor are: (1) EUR-to-RON FX conversion at the Romanian bank, (2) Non-SEPA amounts routed via SWIFT rather than SEPA SCT, and (3) ReGIS operating hours limiting same-day large-value settlement.
If the payment has not arrived within 1 business day, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.
Most SWIFT transfers on the Italy–Romania corridor credit the beneficiary within 4 hours. In 95% of cases the payment arrives within 1 business day. The most common delay is eur-to-ron fx conversion at the romanian bank.
The three most common delay causes are: EUR-to-RON FX conversion at the Romanian bank; Non-SEPA amounts routed via SWIFT rather than SEPA SCT; ReGIS operating hours limiting same-day large-value settlement.
Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 1 business day, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.
The dominant settlement path is SEPA SCT / TARGET2 → ReGIS (National Bank of Romania). The currency pair is EUR → RON.
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