Addiko Group, a banking group with a specialised focus, has made its entry into the Romanian market. 

The bank is leveraging its European Union banking licence, through its Slovenian subsidiary Addiko Bank d.d., to offer fully online loans in Romania, as stated by the company. 

In a market already populated by players such as George, Revolut, and the new entrant Salt Bank, Addiko Bank aims to stand out by providing a completely digital service that addresses financial needs of customers. 

Romanian customers can apply for personal loans exclusively through an app that was launched in March 2025.  

The application process is designed to be swift, averaging ten minutes, and offers a promotional fixed interest rate of 7.5% until the end of September, according to Addiko Group. 

A key feature highlighted by Addiko Group is that customers are not required to open a new bank account with Addiko Bank.  

Approved loan amounts can be deposited into a customer’s account at any other Romanian bank by the next business day, the group said, adding that typically, loan decisions are made within an hour, contingent on when the application is submitted. 

Addiko Bank Slovenia CEO Andrej Andoljsek said: “Entering Romania is a significant milestone, showcasing our robust digital capabilities and commitment to the Central and South-Eastern Europe (CSEE) region.  

“We are bringing a proven model of straightforward banking to a vibrant and competitive market. We believe Romanian consumers are seeking transparent, fast and convenient alternatives, and our app-based approach directly addresses that demand.” 

Addiko Group intends to broaden its app’s product offerings strategically, taking into account customer feedback and market trends. 

The bank is actively working on initiatives to develop and introduce new digital products, targeting both retail customers and small and medium-sized enterprises (SMEs), while also seeking distribution partnerships to bolster its growth in Romania. 

Addiko Group’s focus is on delivering banking products and services to consumers and SMEs in CSEE. 

The group comprises Addiko Bank AG, a fully-licensed Austrian parent bank based in Vienna, listed on the Vienna Stock Exchange.  

It includes six subsidiary banks that are registered, licensed, and operational in five CSEE countries including Croatia, Slovenia, Bosnia & Herzegovina (where it operates through two banks), Serbia, and Montenegro. 

As of 30 June 2025, Addiko Group, through its six subsidiary banks, caters to approximately 0.9 million customers in CSEE, utilising a network of 154 branches and digital banking channels.