Raiffeisen Smart Mobile PI

Mobile banking made simple — Raiffeisen Smart Mobile is your complete financial hub, putting secure account management, payments, and investment tools directly in your pocket.

Open a bank account entirely online from your phone in minutes. The intuitive interface gets you to what you need instantly, whether you're checking balances, sending money, or applying for credit. Every action is protected by your choice of PIN, fingerprint, or FaceID authentication, so your finances stay secure.

Move money at lightning speed with instant payments that arrive in just 10 seconds, available around the clock to any bank in the instant payments network. Schedule future payments for bills you know are coming, set up automatic direct debits, or save payment templates to cut repetitive work. The Smart Search feature makes it effortless to find and repeat past transactions without re-entering details.

Grow your savings automatically with the Saving Box — earn interest on money you set aside with every card purchase, with full control over how much gets saved each time. Smart Hour brings you competitive exchange rates between RON and EUR at official NBR rates every weekday from 10:00 to 11:00, so you can exchange currency when it matters most.

Manage your cards with a single tap. Block cards instantly if lost or stolen, request replacements, or view your PIN securely without leaving the app. Stay in control of your spending with push notifications that alert you the moment money moves in or out of your accounts or payments post to your card.

Access the full range of banking products without visiting a branch. Open savings accounts and term deposits, apply for personal loans or Flexicredit (approved in roughly 10 minutes), and invest in unit funds through Raiffeisen Asset Management if you hold the required documentation. Pay utility bills through multiple channels — quick pay, barcode scanning, direct debit, or pre-filled forms — and top up prepaid mobile plans just as easily.

Personalize your experience by dragging widgets around your Dashboard, hiding account balances for privacy, or changing your username. Unlock exclusive rewards through direct access to the Smart Market loyalty app, earning cashback, discounts, vouchers, and loyalty points on your everyday spending. Update your personal information directly in the app anytime — no calls or branch visits needed.

Authenticate payments securely with SmartToken for complete peace of mind. Raiffeisen Smart Mobile puts the power of your bank in your hands, evolving continuously with new features added regularly.