Romanian ANAF banking and fiscal regulations

The National Agency for Fiscal Administration (ANAF) is managing various regulatory and procedural aspects of banking and fiscal oversight in Romania.

In September 2026, ANAF proposed new digital consent rules for bank loan verifications. The regulation aims to transition the authorization process for accessing fiscal data toward a digital-first approach, specifically requiring users of the Virtual Private Space (SPV) to provide consent exclusively through that electronic platform. This move is intended to reduce fraud, unauthorized data access, and the costs of processing physical documents.

Separately, existing fiscal legislation through 2026 outlines the legal limits for ANAF regarding the seizure of bank accounts and periodic income. While standard savings are generally subject to seizure, certain funds—such as specific allowances, indemnities, and non-reimbursable loans—remain legally protected. For salaries and pensions, the law limits seizures to one-third of monthly net income for standard debts, or up to one-half in cases involving multiple seizures.