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Last updated: 30th September, 2020


How to send money to Romania

If you want to send money to Romania from the UK, our comprehensive guide is your roadmap to secure and best value methods to make international payments. Sending money in leu (plural: lei) doesn’t need to be hard.

A young woman walks along a street in Romania

You might have a significant birthday among your family back home in Romania and want to send them a cash gift. Perhaps your child is studying overseas in Bucharest and they need a little extra lei for coursework. Or maybe you’ve recently moved to the UK and just want to send money back to your family in Timisoara. Whatever your reason for transferring money to Romania, you might want some advice for the best way to do it for you and your lifestyle.

With so many options on the market and factors like speed, cost and security to consider, knowing the best way to transfer money from the UK to Romania isn’t always obvious. And as you’ll find, it really pays to shop around when it comes to sending money abroad.

What you will need

First things first: you’ll need to be able to identify yourself to send money to Romania from the UK. No matter what method you use, proof of your identity will be the first step you need to take. Usually a passport or driving licence will suffice. Some institutions or services may also ask for proof of residence.


The traditional way to send money to Romania is by bank transfer. Most banks will let you send money to Romania over the phone, online or by visiting a branch – choose whichever works best for you. When transferring money via a high-street bank, your cash will be protected since UK banks are closely supervised by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA), meaning that if the bank fails while they’re handling your funds, you’ll be covered.

But this may come with a cost: most banks will charge you more when transferring money abroad, as they tend to require higher transfer fees and/or low exchange rates to offset their higher costs. Some will even charge as much as £25 for a transaction, but most tend to bill you around £10.

In some cases, it can also take a couple of days for the money to arrive in your recipient’s bank account. If you need to get funds there faster, you can use Santander’s One Pay FX, a fast and affordable international payments service, so long as you’re a Santander UK customer.

Fintechs and apps

You’ll likely find it more affordable to send money through a digital money transfer app or fintech (financial technology company), making this a great option if you want to keep costs down. Many of these services will exchange your pounds to lei using similar rates to foreign exchange markets, making them more competitive on exchange rates and fees.

Fees can either be a flat rate or a percentage of the money you’re sending. It’s worth calculating on a case-by-case basis which type has better value. For example, if you’re sending £10 to a friend in Romania for their birthday, a flat-rate fee may double your expense while a 5% fee will only add 50p. If you’re sending a paycheck home to your family, 5% could be more costly than a set fee.

Additionally, fintechs and apps usually provide a faster service, often promising to deliver the money on the same day. However, it is always important to check if the firm is authorised by the FCA. If you’re ever unsure about how secure your service is, you can use the FCA Register for assistance. It’s worth considering what you prioritise more for your lifestyle and situation. If a speedy transfer is important to you, then an app could be the answer.


If you value speed,security and cost, PagoFX is a great option to consider for your international payments. This international money transfer service , developed by global bank Santander, offers the security of a high-street bank, meaning your money is protected at every step.

Regulated by the FCA, funds sent through the app are safeguarded on their journey to the recipient’s account. PagoFX is a transparent money transfer service that uses competitive, real-time mid-market exchange rates – the ones you can find in public sources such as Google, Bloomberg and Reuters – and no hidden fees. If you’re a UK resident, you can sign up on PagoFX.com or download PagoFX on your smartphone or Android tablet via the App Store and Google Play Store.

No matter why you’re sending money to Romania, we hope this guide has helped you find the best option.

This article is provided as general information purposes only, and is not intended to cover all aspects of the topic. We recommend that you take professional and specialised advice before taking, or refraining from, any action based on the content of this publication, as this article is not intended to constitute expert advice. We do not guarantee, explicitly or implicitly, that the content of this article is accurate, complete or up-to-date. The information in this article does not constitute legal, tax or other professional advice from PagoFX or its affiliates.