Transfond S.A. SWIFT/BIC code

TRFDROBS – the SWIFT/BIC code of Transfond S.A.

Whether a recipient gives you TRFDROBS or TRFDROBSXXX, it is the same identifier for Transfond S.A. in Romania. Banks worldwide use these codes to direct international transfers to the right institution. You will need it mainly for transfers between countries.

We wrote this page to help anyone who sends money to an account at Transfond S.A. without mistakes. Remember that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

Why Transfond S.A. has an 8- and an 11-character code

The structure of every SWIFT code never changes: four characters for the institution, two for the country and a two-character location code. For Transfond S.A., the 8-character core is TRFDROBS.

The 11-character version adds three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office, so TRFDROBSXXX and TRFDROBS are interchangeable.

Type the code as one block, in capitals and without separators. A single letter may route the money to a different institution, so copy it carefully.

Paying someone abroad from your Transfond S.A. account

The price of an international transfer is made up of several parts – not just the fee on your screen. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank often applies a rate that is less favourable than the real market rate.

Banks rarely show the margin on the rate separately – you only notice it if you compare. Compare the rate you are offered against the mid-market rate. The difference is your real conversion cost.

Specialist money transfer services often use rates closer to the mid-market rate. Next time you send money, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. You can always keep your account at Transfond S.A. to fund the transfer.

Tracking a transfer to or from Transfond S.A.

There is no fixed answer for every transfer: some land the same day or the next while others need several business days. Weekends and public holidays in either country can add a day or more, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment.

If the money seems delayed, ask your bank for the status and the transaction reference; with that reference banks can see where the payment is. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

If the money does not arrive after a few business days, the person who paid should start with the bank that sent it. As a recipient, you can check your account for a slightly lower amount.

Scams that use SWIFT codes

One of the most common tricks works like this: you receive a request claiming that a company now has a new bank account. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Always confirm changed bank details through a phone call, using a number you already had. Urgency or secrecy tend to be red flags; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from without delay and have them try to recall the payment.

Fraud also work the other way. Someone sends more than agreed and asks you to return the difference to a new account. Do not act before the money has really arrived.

Incoming international payments to Transfond S.A.

If you are waiting for money from abroad, give the sender all details at once. What they need is: the account holder’s name, account number or IBAN, TRFDROBSXXX or TRFDROBS and in many cases your home address.

Certain banks also ask for the name and address of Transfond S.A. in Bucharest, so keep it at hand. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often less than the amount sent. Correspondent banks can take a fee, and if the currency changes, a markup on the rate comes on top. Agree with the sender who pays which costs, especially for larger amounts.

Sending RON to Transfond S.A.

Romania pays in the Romanian Leu (RON). A payment in a foreign currency is exchanged into RON before it reaches the account, and whoever converts it chooses the rate. Each conversion eats into something.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. In many cases it is cheaper to send RON straight away via a provider with a good rate rather than letting the receiving bank convert.

The rate for RON changes constantly, so the amount you see is usually only valid for a short time. For recurring payments, a slightly better rate add up over a year.

Euro transfers to Transfond S.A.: is a BIC needed?

Inside SEPA, euro transfers to Transfond S.A. follow common rules. A field for the BIC is often optional in that case.

A SWIFT code like TRFDROBS still come into play when the currency is not euros and when the money comes from outside SEPA. Some forms still ask for the BIC; in that case, enter TRFDROBS.

Instant euro transfers have become widely supported within SEPA – whether Transfond S.A. offers them for your account is worth checking. As long as no currency is converted, a SEPA transfer is cheap; it is the conversion that costs money.

Before you send: check the Transfond S.A. code

Have the recipient copy the bank details directly from their online banking. If the code you have differs from TRFDROBS or TRFDROBSXXX, stop and ask: check with the recipient or with Transfond S.A. directly.

Errors in the SWIFT code tend to be costly rather than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

A format check by your bank only confirms that the code is valid. Some banks now compare the payee name with the account before you confirm; take any warning seriously. A small test payment is worth it for a large first payment despite the extra fee.

About this information

We gather bank codes from public sources and update them regularly. Still, banks merge, rename themselves or retire codes. Figures such as the number of codes come from our directory.

Before any payment that matters, always confirm the code with Transfond S.A. or the recipient. GoldexPay has no connection to Transfond S.A.; we are a comparison site for money transfers. If you notice a mistake, we appreciate a message.

Head office or branch code at Transfond S.A.?

Transfond S.A. uses 3 separate SWIFT/BIC codes. Only one is the head office code; the rest identify branches.

For the vast majority of payments to a private or business account, the head office code TRFDROBSXXX works fine. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes are more likely to change than the head office code when a bank merges or closes offices.