Romania Mandates Electronic Payments for All Businesses Starting January 2026, Cash-Only Banned

• From January 1, 2026, all Romanian businesses, including companies, self-employed individuals, and individual enterprises, must have and use a bank or Treasury account and accept electronic payments.
• All traders, regardless of turnover, must accept modern payment methods such as debit/credit/prepaid cards and app-based bank transfers; the previous sales threshold for mandatory card acceptance is eliminated.
• Businesses without a payment account risk being declared fiscally inactive, losing VAT deductions, invoicing rights, and the ability to operate.
• The only exception is for businesses that conduct all transactions exclusively by bank transfer, which is rare in retail and services.
• Tax authorities will monitor bank account ownership and electronic payment acceptance as risk indicators, with cash-only businesses considered high-risk.

Source: fiscal-requirements.com

Note that this post was (partially) written with the help of AI. It is always useful to review the original source material, and where needed to obtain (local) advice from a specialist.

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