Start your own digital banking app in Romania and take on Banca Transilvania
By SendPay Business · · 3 min read
- 1Name it and pick your colours
- 2Choose what it does
- 3Launch when you are ready
In Romania, a growing number of people pay by card and phone. Most of that money flows through a handful of names: Banca Transilvania and BCR. Every one of them started as somebody's idea. Yours can be next: your own digital banking app, under your own name, with your own fees.
Who you'd be competing with in Romania
The big banks, Banca Transilvania and BCR, have the branches and the history. The fast-growing apps won because they were simpler and cheaper to use. That gap is where a new brand wins: a community, a niche, a language or a type of customer the giants treat as an afterthought.
What you can launch under your own brand
An everyday account app with balances and a branded card, a money transfer app, a payment-link product for invoices, a marketplace that pays its sellers, or a membership platform. Each is a template: your name, your colours, your domain, your fees.
Try it
Name your platform and watch it come to life
Type a name, tap a colour and pick what it does. The phone changes as you go.
Colour
What it does
Design and preview your whole platform free, then launch when you are ready.
How it works, in a few clicks
Pick the template closest to your idea, type your platform name and preview every page before you launch.
0 of 5 done
Tick each step as you do it, so you can see what is left.
You set the fees, you keep them
Charge 1%, 2.9% or nothing: it's your call. On every leu your users move, your platform earns the fee you set. Your users sign up with you, not with us.
Permissions: the honest part
The accounts, cards and payments behind your platform are powered by licensed partners. Depending on what your platform does and who it serves, you may also need your own registration, and serving customers in Romania can bring local rules from the National Bank of Romania. We tell you in writing which permissions apply to your platform before you launch, and introduce specialists who handle them. We are not licensed advisers and don't guarantee outcomes.
How it works
Money on its way- 1Pick who to pay and type the amount
- 2Tap send and it is on its way
- 3It lands in their account
Why sign up
Create your free SendPay account
It's all about creating your own financial platform with ease. Start with a free account today.
- 🪪A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
- 💳Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
- 🌐A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
- 🚀Your own financial platformDesign and preview your whole platform free, then launch when you are ready.
SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.
Questions people ask
Can I really compete with Banca Transilvania?
Not on size on day one. But you can beat any big bank on focus: a platform built for one community or one kind of customer, with a better experience and fairer fees. That's how every challenger started.
Can I call it a bank?
In most countries, including Romania, "bank" is a protected word you can only use with a banking licence. Call it an account, an app or a platform. Your users still get a balance and a way to pay.
Is SendPay Business connected to Banca Transilvania?
No. We name them only to describe the market. SendPay Business is an independent technology company, not a bank.
What should I call my app?
Pick a short name that is easy to say in Romania, has a free domain, and doesn't use the word "bank". The free name generator gives you ideas and opens your favourite straight in the builder.
Payment app name generator →How much could my platform earn?
It depends on how many users you have, how much they move and the fee you set. Put your own numbers into the free calculator to see what your platform could earn in leu terms each month.
Platform earnings calculator →Is there a step-by-step plan I can follow?
Yes. The free launch checklist takes you from picking your people and naming your app to setting fees, going live and winning your first ten customers. Tick each step off as you go.
Digital bank app launch checklist →How do I start?
Pick a template, name it and preview every page before you launch. Your platform can be live on your own domain within 24 hours of confirmation.
Build my platform →Not ready for a money app yet. Can I start with a free website?
Yes. Any company or individual in Romania can create a free account and build a free business website: free to build, free to keep, with unlimited visits and bandwidth. Add a shop cart and take payments when you are ready, and buy your own domain through SendPay.
Free business website in Romania →Read next
- Build an app like Salt Bank, under your own brand
- Build an app like Banca Transilvania, under your own brand
- Build an app like BCR, under your own brand
- Build an app like BRD, under your own brand
- Build an app like Raiffeisen Bank Romania, under your own brand
- Build an app like UniCredit Bank Romania, under your own brand
- Start your own digital banking app in Bucharest and take on Banca Transilvania
- Start your own digital banking app in Cluj-Napoca and take on Banca Transilvania
- How to start your own bank-style app in the UK (without being a bank)
- White-label fintech platform: what it is and how it works
- How to set the fees on your own payment platform, and what they earn
Spotted a mistake or something out of date? and we'll fix it. How our guides are made
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.