Raiffeisen Smart Mobile is your personal banking suite, tailored for convenience, security, and smart financial management—right from your mobile device. Whether you're opening an account, transferring funds in seconds, saving automatically with each purchase, or customizing your financial dashboard, this app delivers robust features for a modern banking experience without stepping foot in a branch.
100% Online Account Opening
- Start banking with zero paperwork.
- Open a Raiffeisen current account in minutes, entirely via smartphone.
- Submit required details and identification in-app—no physical visit required.
- Enjoy seamless onboarding for new clients, including product access from day one.
Personalized and Intuitive Interface
- Tailor your dashboard to fit your routine.
- Arrange your overview screen using drag-and-drop customization.
- Choose to display or hide sensitive account balances for privacy.
- Change your username and manage appearance settings to streamline usage.
Instant Payments and Future Scheduling
- Fast and flexible money movement.
- Send instant RON payments to banks in Romania 24/7, with delivery in under 10 seconds.
- Set up recurring transactions, scheduled transfers, and payment templates with ease.
- Automate bill payments using direct debit or quickly repeat past transfers via Smart Search.
Secure and Convenient Authentication
- Your money, your control.
- Use PIN, fingerprint, or Face ID for secure logins and transaction approvals.
- Enable Raiffeisen SmartToken for secure online authorization and digital signatures.
- Receive push notifications for every incoming or outgoing transaction.
Smart Hour Exchange and Savings Features
- Everyday efficiency meets financial advantage.
- Exchange between RON and EUR at the BNR exchange rate, Monday–Friday during Smart Hour (10:00–11:00).
- Use Saving Box to round up purchases or choose a fixed amount per transaction to save automatically.
- Monitor your savings growth over time with interest benefits built in.
Card Management at Your Fingertips
- Take action anytime, instantly.
- Block or reissue your card, reveal your PIN, or activate new cards—all in one place.
- Manage daily card limits and track usage history across accounts.
- Connect your card to loyalty programs via Smart Market, with perks like cashback and discounts.
Access to Products and Investments
- Banking and investing with no boundaries.
- Open term deposits, savings accounts, or additional current accounts within the app.
- Apply for Flexicredit personal loans online, with approval in minutes.
- Purchase mutual funds from Raiffeisen Asset Management if already contracted, and view your portfolio in real-time.
Utilities and Prepaid Services
- Everyday essentials handled digitally.
- Pay utility bills using barcodes, direct debit, prefilled forms, or quick pay options.
- Top up your prepaid mobile plan in just a few taps.
- Track all your recurring payments and bill status easily from your transaction history.
Frequently Asked Questions
Q: Can I open a bank account without visiting a branch?
Yes, account opening is 100% digital through the app.
Q: How fast are instant payments processed?
Instant payments arrive in under 10 seconds, any day, any time.
Q: What is Smart Hour for currency exchange?
It allows EUR-RON conversion at BNR's official rate between 10:00–11:00, Monday to Friday.
Q: Is SmartToken required for all transactions?
It is used for added security in online transactions and authorizations.
Q: Can I update my personal data without going to the bank?
Yes, personal details can be updated directly from the app.
Q: What is Smart Market?
It’s an in-app loyalty space where you can earn cashback, vouchers, and more.
Version History
v4.55.0.61 —— 25 Jun 2025
General improvements—technical refinements in preparation for upcoming features and enhancements.
v4.54.1.10 —— 23 Jun 2025
Fresh money deposit offer—special interest rate introduced to help users maximize savings.
v4.54.0.65 —— 20 Jun 2025
Same updates as v4.55.0.61—continued backend improvements and feature readiness.
