Resources
What changes at ANAF, what it means for the money leaving your account, and how to keep both under control. No jargon we would not use ourselves.
Without a qualified digital certificate a Romanian company can do nothing at ANAF — no filings, no e-Factura. On what the certificate is, how it is registered, who can act for the company, what an application connected over OAuth actually gets, and the four ways access breaks.
Read the articleBanks route on the IBAN; the name is a label. Regulation (EU) 2024/886 introduces verification of payee — 9 October 2025 in the euro area, 9 July 2027 in Romania — and only for transfers in euro. What it covers, what it leaves out, and the fraud it is aimed at.
Read the articleThe deadline sits in a calendar, the amount sits in a declaration, and the payment is an errand in a different window. On the 25th, the single Treasury account, the payer's ledger, the order the law settles debts in, and the daily price of being late.
Read the articleIn a ten-person company, “who approves this payment” usually has one answer: the owner, on a phone, between meetings. That works until the first fake invoice with a swapped IBAN. On thresholds, roles, separation of duties, and what a control nobody resents looks like.
Read the articleHow long do you have to pay an invoice, and what can you claim when someone does not pay you? Law 72/2013 answers both, and more concretely than most people expect: a default 30-day term, a 60-day ceiling, penalty interest set by formula, and a flat €40 for the cost of chasing the money.
Read the article“Connect your bank” sounds like a risk until you know what actually happens: an authorised provider hands you off to your own bank, you approve the payment with the same factors you use in internet banking, and the app never sees your password. On PSD2, central-bank authorisation, strong customer authentication, and the system's real limits.
Read the articleANAF delivers your incoming invoices to the Virtual Private Space as XML files. Getting from there to money leaving the account is a journey most companies still make by hand: download, open, re-type the IBAN and the amount into internet banking. Here is the path, where the time goes, and what can be automated.
Read the articleFrom 1 January 2026 the transmission deadline is counted in working days, from 1 June individuals with economic activity are in scope, and foreign companies VAT-registered in Romania have obligations of their own. Here is what changed, what stayed the same, and where the fines come from.
Read the articleConnect ANAF and your bank, and see your next payment run in one list.
