1. Legislation
  2. Banking Financial Legislation
  3. Electronic money institutions

Electronic money institutions


  • Law No. 210/2019 on the activity of issuing electronic money
  • NBR Regulation No. 5/2019 on electronic money institutions (Romanian only)
    • NBR Regulation No. 5/2019 on electronic money institutions
    • NBR Regulation No. 11/2022 regarding the amendment and completion of some normative acts issued by the National Bank of Romania (which brings, among other things, amendments and additions to NBR Regulation No. 5/2019); (Romanian only)
  • NBR Regulation No. 2/2023 regarding the classification of loans and the constitution, regularization and use of specific provisions for credit risk applicable to payment institutions and electronic money institutions, other than non-bank financial institutions (Romanian only)
  • NBR Order No. 3/2023 regarding the reporting of the situation concerning the classification of credit exposures and the need for specific provisions for credit risk related to them, applicable to payment institutions and electronic money institutions, other than non-bank financial institutions. (Romanian only)
  • NBR Order No. 6/2015 for the approval of Accounting Regulations according to the European directives (Romanian only)
    • NBR Order No. 7/2016 on amending and supplementing of the NBR Order No. 27/2010 for the approval of the Accounting Regulations according to the International Financial Reporting Standards, applicable to credit institutions, and the NBR Order No. 6/2015 for the approval of Accounting Regulations according to the European directives (Romanian only)
    • NBR Order No. 3/2019 on amending and supplementing NBR Order No. 6/2015 for the approval of the Accounting Regulations according to the European directives (Romanian only)
    • NBR Order No. 5/2022 on amending and supplementing of some normative acts issued by the National Bank of Romania (Romanian only)
    • NBR Order No. 9/2022 on amending and supplementing NBR Order No. 6/2015 for the approval of the Accounting Regulations according to the European directives (Romanian only)
  • NBR Order No. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Romanian only)
    • NBR Order No. 3/2013 on amending and supplementing the annex of NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Romanian only)
    • NBR Order No. 4/2014 on amending the annex of NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Annex included) (Romanian only)
    • NBR Order No. 8/2015 on amending the annex of NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Annex included) (Romanian only)
    • NBR Order No. 6/2016 on amending and supplementing NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Annex included) (Romanian only)
    • NBR Order No. 7/2017 on amending the NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Romanian only)
    • NBR Order No. 6/2018 on amending the annex of NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Romanian only)
    • NBR Order No. 7/2019 on amending and supplementing NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Romanian only)
    • NBR Order No. 4/2020 on amending and supplementing NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Romanian only)
    • NBR Order No. 4/2021 on amending and supplementing NBR Order no. 10/2012 for the approval of the semi-annual accounting reporting system applicable to entities under the National Bank of Romania accounting regulation scope (Romanian only)
    • NBR Order No. 5/2022 on amending and supplementing of some normative acts issued by the National Bank of Romania (Romanian only)
  • Communication on Guidelines EBA/GL/2017/08 on the criteria for establishing the minimum monetary amount of professional indemnity insurance or other comparable guarantee, in accordance with Article 5(4) of Directive (EU) 2015/2366 (Romanian only)
  • Instructions of 20.01.2020 regarding outsourcing by payment institutions and electronic money institutions (Romanian only)