Banca Comerciala Romana S.a SWIFT/BIC code

What RNCBROBU means for a payment to Banca Comerciala Romana S.a

The 8-character code RNCBROBU and the full code RNCBROBUXXX identify the same bank: Banca Comerciala Romana S.a. A SWIFT code tells the banks handling a payment exactly which bank should receive the money, a bit like a postal address for banks. You will need it mainly when dealing with payments that cross a border or a currency.

On this page we explain what the code means, when it matters and which other details you need for a transfer to or from Banca Comerciala Romana S.a. Keep in mind that the SWIFT code just identifies the bank, not the person: the IBAN or account number does that part.

Scams that use SWIFT codes

Stay alert if a contact unexpectedly wants you to pay into another account abroad. The fact that RNCBROBU exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Never trust contact details in the same message that contains the change. Urgency and requests to keep it quiet are red flags – a real supplier can wait a day. If a payment was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to refund the difference abroad. Wait until the money is actually in your account – ask Banca Comerciala Romana S.a if something looks wrong.

When will the money arrive at Banca Comerciala Romana S.a?

How fast a payment reaches Banca Comerciala Romana S.a is determined by several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country can add extra days to the journey. Compliance checks by one of the banks can also add some delay.

When a payment takes longer than expected, ask your bank about the status and the transaction reference so they can trace it along the chain. Money transfer services usually provide a status in their app showing where the money is.

The bank that sent the money can start an official trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, it helps to look at your account for a slightly lower amount.

Is RNCBROBU still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient. Compare it with RNCBROBU here; if they differ, ask before you pay.

With a wrong code, the payment may be delayed, bounce back or cost extra – sometimes after weeks of searching. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else.

Many banking apps validate the structure of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks check the payee name with the account before you confirm – do not ignore a mismatch warning. When you pay someone new, many people start with a small amount first and wait for confirmation.

Paying Banca Comerciala Romana S.a in euros within SEPA

Inside SEPA, euro payments to an account in Romania use the same rules and in most cases need only the IBAN. A field for the BIC is usually optional or missing in that case.

The BIC does matter when the currency is not euros and when the money comes from outside SEPA. A few forms still ask for the BIC; if so, fill in RNCBROBU or RNCBROBUXXX.

Instant payments in euros are increasingly supported within SEPA; check with Banca Comerciala Romana S.a whether it applies to your account. Fees for SEPA payments are generally low, as long as no currency conversion is involved.

Head office or branch code at Banca Comerciala Romana S.a?

With 6 codes, Banca Comerciala Romana S.a belongs to the banks that register separate codes for branches. The main code is RNCBROBUXXX.

Usually you do not need to pick a branch: transfers addressed to RNCBROBUXXX are routed within Banca Comerciala Romana S.a correctly. A branch code only makes sense when the recipient’s bank explicitly mentions it, which is more common for corporate accounts and specialised services.

When in doubt, check with the recipient which code their bank gave them. Codes can change when banks reorganise, so do not rely on old paperwork.

Incoming international payments to Banca Comerciala Romana S.a

To receive a transfer from abroad into your account at Banca Comerciala Romana S.a, the person paying you needs more than the SWIFT code. That means: your name exactly as it appears on the account, your account number or IBAN, the BIC RNCBROBUXXX (or RNCBROBU) and usually your address.

Certain sending banks also ask for the address of Banca Comerciala Romana S.a in Bucharest; it does no harm to include it. Check the details before you share them, because the sender’s bank usually copies them as is.

Money from abroad will not always arrive in full. Correspondent banks can take a fee, and when currencies differ, a markup on the rate applies. Make clear with the sender who covers the fees, especially for larger amounts.

A note on our data

The details here are taken from publicly available data which we refresh regularly. It can happen that information here is out of date after a merger or reorganisation. The number of codes on this page are based on what is in our directory and not on information from Banca Comerciala Romana S.a itself.

Treat our directory here as a handy check. We are an independent comparison site for money transfers and not part of Banca Comerciala Romana S.a. If you notice something that is out of date, we welcome a short note.

Sending money abroad from Banca Comerciala Romana S.a

The price of a payment abroad is made up of more than one component. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted the bank often uses a rate below the real market rate.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate that includes a margin. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of routes, a specialist provider is cheaper than a bank, mainly because of the exchange rate. GoldexPay compares what recipients receive across services, which makes the cheapest option easy to spot. You can always keep your account at Banca Comerciala Romana S.a to fund the transfer; only the conversion and sending happen elsewhere.

RNCBROBU or RNCBROBUXXX – which one to use?

A SWIFT code is built from fixed blocks: the first four letters identify the bank, characters five and six give the country and the two after that indicate the location. Together, these eight characters form RNCBROBU, the code most people search for.

XXX at the end of RNCBROBUXXX is not a missing value or an error: it indicates the head office of Banca Comerciala Romana S.a. Certain payment forms ask for 11 characters, and then you can add XXX behind RNCBROBU.

Leave out spaces or dashes when you type RNCBROBU or RNCBROBUXXX. Copying the code is safer than retyping it, because one wrong letter changes the bank.

Romanian Leu (RON) and conversion costs

The national currency of Romania is the Romanian Leu (RON). A payment in a foreign currency will be converted into RON on its way to Banca Comerciala Romana S.a. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. In many cases you pay less to send RON straight away via a transfer service that converts near the mid-market rate.

Exchange rates change during the day – some services let you fix a rate in advance. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.