Paysera Business vs Revolut Business in Romania: Complete Comparison for Business Accounts and Online Banking
If you have a company in Romania (SRL, PFA, or another form) and are looking for an online account for payments, collections, and currency operations, the Paysera vs Revolut comparison should be made based on a few clear criteria: total cost, international payments, currency exchange, cards/expenses, online collections, and support + regulation.
Paysera Business vs Revolut Business in Brief, for Quick Decisions:
If you want predictable costs and a "pay only when you use" model, Paysera Business is generally the more pragmatic choice for most small and medium-sized businesses in Romania.
If you need a very advanced ecosystem of cards, expense controls, and reports (especially for teams), Revolut Business may be suitable – but it's worth carefully checking the plan, limits, and recurring costs.
For e-commerce and online collections, Paysera has a clear advantage through its payment gateway and payment collection component, in a unified ecosystem.
Discover more about Paysera's benefits as an alternative to traditional bank accounts.
General Overview - Paysera Business and Revolut Business Romania
What is Paysera Business?
Paysera is an electronic money institution (EMI), licensed and supervised by the Bank of Lithuania.
For companies, Paysera Business is designed as an integrated package: IBAN account, transfers (including SEPA), multi-currency operations, and importantly for many businesses, payment collection solutions (including for online stores, where a payment gateway is relevant).
To better understand how it fits your needs, you can also explore the differences between a personal Paysera account and a business one.
What is Revolut Business Romania?
Revolut Business is the company offering from the Revolut ecosystem, with a focus on expense management (including team cards), automations, and real-time visibility. Plans are generally structured on a subscription basis (with different tiers).
Regarding classification and EU supervision: Revolut Bank UAB (Lithuanian entity) is licensed by the European Central Bank and regulated by the Bank of Lithuania (relevant for the EU market, including Romania).
Both platforms address online business banking challenges, but differ in how they approach these challenges.
Next, we will explore in detail the solutions and services offered by Paysera Business, to better understand how they can help you manage your business.
Paysera Business - Solutions and Services for Companies
Paysera Business positions itself as a comprehensive solution for companies seeking flexibility in managing financial operations. The platform offers tools designed to simplify complex processes and reduce operational costs without compromising functionality. For a complete presentation, you can explore Paysera's solutions for companies.
Main Paysera Business Services
- Multi-currency accounts: Managing and operating funds in various currencies without separate accounts for each currency, offering flexibility in managing international cash flows
- International transfers: Services through SEPA and SWIFT networks with complete transparency on costs and processing times
- Integrated payment gateway: Accepting online payments from customers directly on the company's website, eliminating the need for separate third-party services
- Financial automation: Automatic payment reconciliation, detailed report generation, and integration with existing accounting systems
Multi-currency account management is one of the platform's strong points. Companies can hold and operate funds in various currencies without opening separate accounts for each currency. This capability is valuable for businesses with international activities, which thus avoid repeated currency conversion costs and benefit from flexibility in managing cash flows. You can keep funds in euros, US dollars, British pounds, or other currencies, exchanging between them when market conditions are favorable.
International transfer services work through networks such as SEPA and SWIFT, facilitating cross-border transactions with competitive speeds. The platform offers transparency regarding costs, so you can plan payments to international suppliers or receive funds from customers around the world knowing exactly what fees you will pay.
The integrated payment gateway allows companies to accept online payments from customers, transforming Paysera into a complete solution for businesses with e-commerce components. You no longer need to integrate separate third-party services, which simplifies the technical architecture and reduces operational complexity. You can process card payments directly on your website, managing everything from a single interface.
Financial process automation includes tools for automatic payment reconciliation, detailed report generation, and integration with existing accounting systems. These features reduce the time dedicated to repetitive administrative tasks, allowing you to focus on activities that bring real value to your business. Reports can be exported in formats compatible with most accounting software used in Romania.
Now that you have a clear picture of the services offered, let's see how you can open a Paysera business account and what the requirements are.
How to Open a Paysera Business Account
- The company administrator opens a personal Paysera account simply by downloading the mobile application and following the intuitive registration steps.
- After activating the personal account, the administrator accesses the “Open a business account” section, where, after selecting the country in which the company is registered and entering the unique registration number, the Business account is automatically opened.
- The administrator uploads the official documents—such as the company’s registration certificate, identity documents of the legal representatives, and additional documents for regulated activities—and provides information in the KYC questionnaire regarding the beneficial owners, in accordance with European anti–money laundering regulations.
- They then wait for the Paysera team to verify the documentation within a reasonable timeframe.
- Once approved, the account is activated and the available services can be used.
Completing the KYC (Know Your Customer) questionnaire requires providing essential information about your company, including the full legal name, unique registration number, registered office address, and details about the legal representatives. The platform also requests information about the beneficial owners, in line with European anti–money laundering regulations. These requirements are standard across the industry and ensure that the platform complies with applicable compliance standards.
Identity verification involves uploading official documents that prove the legal existence of the company and the identity of the individuals authorized to represent it. You will need the company’s registration certificate (for Romanian companies, this is the company status certificate downloaded online from the onrc.ro website), identity documents of the legal representatives, and, in certain cases, additional documents demonstrating the nature of the business activity. For companies with more complex structures or operating in regulated sectors, the verification process may require additional information.
If you need assistance, Paysera offers phone support in Romanian to help you complete these steps as smoothly as possible. The Paysera team reviews the documentation within a reasonable timeframe and will contact you if clarifications or additional documents are required. Once verification is complete, the account becomes active and you can start using the full range of available services. The transparency of the requirements and processing times allows you to properly plan the launch of your digital financial activities.
Revolut Business Romania - Features
After analyzing Paysera, it's time to turn our attention to Revolut Business and see what features and advantages it offers to companies in Romania.
Main Revolut Business Features
- Advanced multi-currency management: Holding, receiving, and sending funds in over 30 currencies with competitive real-time exchange rates
- Intuitive mobile app: Modern interface with real-time monitoring, customizable budgets, and detailed reports
- Business cards with granular control: Issuing cards for employees with customizable limits and restrictions for each user
- Advanced automation: Scheduled recurring transfers, custom alerts, and integrations with accounting systems
- Intelligent financial analysis: Automatic expense categorization, cash flow reports, and forecasts based on historical data
Multi-currency management allows companies to hold, receive, and send funds in over 30 different currencies. This capability is supported by competitive exchange rates that update in real-time, giving you the ability to take advantage of favorable currency market fluctuations. You can keep funds in multiple currencies simultaneously and decide when to make conversions, depending on your financial strategy.
The mobile app stands out for its intuitive interface and advanced financial management functionalities. You can monitor all transactions in real-time, set budgets for different expense categories, and generate detailed reports with a few screen taps. Instant notifications for each transaction offer complete control over financial flows, so you know exactly when and where the company's money is being used.
The business card system allows issuing cards for employees with customizable limits and restrictions. You can set spending limits for each card, restrict certain transaction categories, and monitor card usage in real-time. This granular control over corporate expenses eliminates unpleasant surprises and simplifies the expense approval process.
Automation functionalities include the ability to schedule recurring transfers, set alerts for certain types of transactions, and integrate the account with various accounting systems. These tools enable automation of repetitive financial processes, freeing up time for value-added activities. Integrations with popular accounting software facilitate reconciliation and financial reporting.
Advanced financial analysis tools include automatic expense categorization, cash flow reports, and forecasts based on historical data. These functionalities transform the platform into a strategic tool for planning and optimizing financial performance. You can quickly identify spending trends, compare performance between different periods, and make informed decisions based on concrete data.
Now that you have a clear picture of both platforms, it's important to compare costs. In the next section, we will analyze the fees and commissions charged by Paysera and Revolut Business.
Cost Comparison: Paysera Model (Usage) vs Revolut Model (Plan)
The simple principle: if you want to control the fixed monthly cost, Paysera tends to be more friendly. If you accept a monthly cost for higher limits/features, Revolut can make sense.
Paysera – Account Opening and Administration (Companies from Romania)
Account opening is free.
Account administration for companies in Romania is free (exception compared to other SEPA countries where there may be a monthly fee).
For details and updates, use the official Paysera pricing page.
Paysera – SEPA Transfers in EUR
At Paysera you have 30 free transfers and then from 0.30 EUR/transfer.
Paysera – Transfers in RON / Other Currencies and RO Particularities
The first 30 transfers/month (in certain currencies, including RON/EUR SEPA) are free, then relevant rates apply.
Revolut Business – Plans (Subscriptions) in Romania
Revolut lists Basic, Grow, Scale, and Enterprise plans. Public prices start from 50 lei/month (Basic), and Grow and Scale are listed from certain monthly thresholds (depending on monthly/annual choice and package).
Currency Exchange
Revolut Business: for exchange, documentation indicates 0.6% fee above "fair usage allowance" (depending on plan) and a 1% markup for exchanges made on weekends.
Paysera: for currency exchange, the practical recommendation is to direct users to the official calculator (real-time rate and explanations about "best rate"/discounts), instead of fixing percentages in ext.
Online Collections and E-commerce: The Differentiator That Matters
If you have e-commerce or collect online (payments from customers), Paysera has a natural advantage for many companies: the payment collection / gateway component is part of the Paysera ecosystem, which reduces the need for separate providers and simplifies operational reconciliation.
Revolut can work very well as an "operational account" and for expenses/cards, but for online collections you will often end up integrating with third-party solutions (depending on your business setup).
Cards, Expenses, and Internal Control
Revolut Business: Excellent for Expense Policies
If you have a team and want to impose clear policies (who spends, how much, where, on what category), Revolut Business is generally more "mature" in the controls + spend management area, especially on higher plans (depending on needs and budget).
Paysera: Functional, with Focus on Cost and Integration
Paysera remains a solid option for usual operations and for companies that prefer a simple model: account + payments + collections (where relevant), without the pressure of a monthly subscription (in Romania) for account administration.
Regulation, Security, and Compliance (in Correct Terms for Romania/EU)
Paysera
Paysera is an electronic money institution (EMI) licensed and supervised by the Bank of Lithuania (with EMI license).
Revolut
In the EU (including Romania), services are associated with entities such as Revolut Bank UAB, which is licensed by the European Central Bank and regulated by the Bank of Lithuania.
Paysera vs Revolut Comparison Table
| Criterion | Paysera Business | Revolut Business |
|---|---|---|
| Fixed monthly cost (RO) | Account administration: free for Romania | Subscription plans: from 50 lei/month |
| SEPA transfers (EUR) | 30 free + from 0.30 EUR/subsequent transfer | Depends on plan and limits (check chosen plan) |
| Currency exchange | Recommended: check in official calculator (no fixed percentages in article) | Fee above allowance + 1% markup on weekends (business) |
| Online collections (e-commerce) | Advantage: payment collection / gateway ecosystem | Good as "operational account"; online collections depend on setup/integrations |
| Cards and expense control | Good for current use; focus on simplicity | Strong point: controls/expenses for teams (especially on higher plans) |
| Regulation (EU/RO) | EMI licensed and supervised by Bank of Lithuania | Revolut Bank UAB: ECB license, Bank of Lithuania regulation |
Recommendation – How to Choose Based on Scenario
Why Paysera Business is the "Default" Choice for Many Romanian Companies
- Reduced fixed monthly cost (account administration listed as free for Romania), which helps with budget control.
- Rates easy to verify on official pages and predictable structure for transfers (e.g., SEPA).
- Clear advantage for e-commerce: payment collection / gateway in a unified ecosystem.
When Revolut Business is Worth Considering
- You have a team and want a powerful card system + expense policies (approvals, limits, categories).
- You want advanced features and accept a monthly subscription that grows with your needs.
Frequently Asked Questions
Does Paysera Business have a monthly fee for account administration in Romania?
Account administration in Romania is listed as free (under certain registration conditions and company category). Check the official page for your case.
What are the Revolut Business plans and what price do they start from?
Revolut lists plans such as Basic, Grow, Scale, and Enterprise. Basic starts from 50 lei/month, and the others are "from" certain values (depending on the chosen plan). See the official plans page for the current price.
Does Paysera have free SEPA transfers?
Paysera has a fee structure with a number of free transfers (for example, 30) and then a "from" rate for subsequent transfers (e.g., 0.30 EUR for certain SEPA contexts). Consult the official page for details applicable to your company.
How do I correctly compare currency exchange between Paysera and Revolut Business?
Compare in two steps: (1) what fee/markup applies depending on plan and timing (e.g., weekend), (2) the effective rate at the time of transaction. For Revolut Business there is information about fees above allowance and weekend markup; for Paysera, it's safest to direct users to the official calculator.
From a regulatory perspective in the EU, how are they classified?
Paysera: electronic money institution licensed and supervised by the Bank of Lithuania. Revolut: Revolut Bank UAB is licensed by the ECB and regulated by the Bank of Lithuania (relevant in the EU).
Conclusion
For many companies in Romania, Paysera Business is the more efficient choice through a predictable cost model and a useful ecosystem for collections and usual operations. Revolut Business remains a strong option when you need a high level of expense control and team-oriented features – provided you choose the right plan.