Country profile · Edition 1

🇷🇴Romania

Europe

Score

57.4

Rank

35 of 46

Overview

Romania ranks 35th of 46 economies, with a score of 57.4 out of 100. It is 14th of 14 ranked economies in Europe.

Strongest: Consumer protection, Government support and Financial education (100). Weakest: Credit access (20); Credit literacy (22).

Dimension scores

Credit literacy22.0

Credit access20.2

Financial inclusion69.5

Digital banking63.6

Innovation66.7

Consumer protection100.0

Government support100.0

Financial education100.0

Youth education50.0

Public awareness50.0

Dimensions with no score are left out of the overall score, never counted as zero.

Not yet measured: Reporting transparency, Alternative infrastructure.

Survey indicators

22%22% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)

79.4%79% of credit card users pay their balance in full (Findex, 2024)

20.2%20% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2024)

71.3%71% of adults have an account (Findex, 2024)

67.7%68% could raise emergency funds within 30 days without great difficulty (Findex, 2024)

63.6%64% of adults made or received a digital payment (Findex, 2024)

Youth education policy: partial

Financial education is in the school curriculum only in some regions, or as an optional or pilot subject. There is no standalone course or graduation requirement. The national financial education strategy names young people or schools as a priority.

Policy dimensions record whether a policy exists, not how well it works.