Open banking has transformed how companies access and manage their financial data. Through PSD2 APIs, businesses can now establish a secure bank connection within minutes to automate cash visibility, streamline bank reconciliation, and improve cash management across multiple accounts and entities.

At Finqware, we make open banking work for real businesses. Our technology enables seamless bank API integration, allowing you to connect your accounts from any major Romanian bank directly into FinqTreasury — your treasury management software.

This guide explains how to connect to Romanian banks via PSD2 APIs using the Finqware platform, whether through the FinqTreasury web app or any integrated solution.

Each bank connection follows a guided, secure flow that starts when you click “Connect a Bank” inside the Finqware application. To complete the connection, you’ll need an active internet or mobile banking account and at least viewing rights for your company’s accounts.

If you’re not redirected back to Finqware after authentication, restart the process or contact our support team to reopen the connection flow.

Click on each bank’s logo to view a detailed description of the bank connection flow.

Access Conditions

You must have an internet or mobile banking account in BT24 or BT Go (for legal entities) or BT Pay (for individual users).

Restrictions

• BT Ultra credentials are not supported.
• Payments can be authorized via BT24 (web) or BT Go / BT Pay (mobile) only.

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web page with multiple tabs. You need to select the tab corresponding to the application you are using. On mobile, the BT app installed on your phone will open automatically.
2. After selecting the application for which you have an internet banking account, log in using your user credentials or biometric authentication.
3. In the case of BT Go, the connection authorization can only be completed by opening the BT Go app on your phone.
4. If you represent multiple legal entities in your relationship with the bank, you will first be prompted to select the legal entity for which you are creating the connection. You need to create a separate connection for each legal entity you want to link.
5. After choosing the entity, you will see a page displaying all BT accounts belonging to that company, and you can choose to connect all of them or only some.
6. Once you have selected the accounts, click the button to confirm your bank connection consent, then return to the Finqware application.
7. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current accounts, with or without overdraft.
• Collector, card, deposit, or credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature
• Joint signature is not supported

Access Conditions

You must have an active internet or mobile banking account in eBCR, George Business, or George (for individuals).

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected either to a web login page or to the native mobile banking app installed on your phone.
2. Log in using your user credentials or biometric authentication.
3. If, in your relationship with the bank, you represent multiple legal entities and have access to all of them through the same internet banking user, all related accounts will be connected under the same consent authorization.
4. After confirming your consent or completing a payment, return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading within the app.

Supported bank accounts

• Current accounts, with or without overdraft.
• Collector, deposit, and credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature, via redirect or deeplink
• Joint signature, via redirect

Access Conditions

You must have an internet banking account in MyBRD (for individuals) or BRD@ffice (for legal entities).

Restrictions

Some users may not have API access enabled by default. In such cases, the authorization menus for connection or payment will not appear in the banking interface.

Account Connection or Payment Authorization Flow

1. From Finqware, you are prompted to enter your internet banking login ID.
2. After entering the ID, a connection request or a payment request is initiated to the bank.
3. To authorize the connection permission, open the MyBRD or BRD Office application in a separate browser window and go to the Account Access menu.
4. To authorize a payment, open the MyBRD or BRD Office application in a separate browser window and go to the Payments → Awaiting Signature menu.
5. Wait a few minutes for the accounts to finish loading within the app.

Supported bank accounts

• Current and card accounts, with or without overdraft.
• Collector, deposit, and credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

Only decoupled flow, meaning authorization is done separately within the banking application.

Access Conditions

You must have an internet banking account in one of the ING applications: Home’Bank (for individual users), ING Business (for legal entities) or Inside Business (for corporate clients).

Restrictions

1. Corporate clients using Inside Business do not have default access to their accounts via API — they must request this access through the Service Desk in the Inside Business platform.
2. Some business clients using ING Business may also not have default API access to their accounts. In this case, the following error may appear in the account connection authorization flow: “No associated account found.” If this occurs, the issue must be reported to ING Customer Service for resolution.

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected either to a web login page or to the native mobile application installed on your phone.
2. Log in using your user credentials or biometric authentication.
3. If, in your relationship with the bank, you represent multiple legal entities and have internet banking access to all of them under the same user, you will first be prompted to select the legal entity for which you are creating the connection. You must create a separate connection for each legal entity you want to connect.
4. Once the entity is selected, a page will show all ING accounts associated with that company. You then have the option to connect either all or a selection of these accounts.
5. After selecting the accounts, confirm your connection consent by clicking the button, then return to the Finqware application. 
6. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current, card (with or without overdraft), POS, and collector accounts.
• Deposit and credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature, via redirect or deeplink
• Joint signature, via redirect

Access Conditions

You must have an internet banking account in the Raiffeisen Online applications for individuals or legal entities, or a mobile banking account in the Raiffeisen Mobile applications.

Restrictions

For corporate clients, access to the bulk payment service via API and the joint signature functionality requires an account in the new corporate internet banking application.

Account Connection or Payment Authorization Flow

1. From Finqware, you are prompted to enter your internet banking login ID.
2. After entering the ID, a connection request or payment request is initiated to the bank.
3. From Finqware, you are then redirected either to the web authentication page or, in the case of individual users, to the mobile application, where you can authorize the connection or the payment.
4. Log in using your user credentials or biometric authentication.
5. After confirming your consent or payment, return to the Finqware application.

Supported bank accounts

• Current, card, and POS accounts.
• Collector, deposit, and credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR, are available for corporate clients migrated to the new corporate internet banking application

Supported signature types

• Single signature: available for individuals, via web redirect or mobile deeplink flow
• Joint signature: available only for corporate clients migrated to the new corporate internet banking application

Access Conditions

You must have an internet banking account in the CEC Online or CEC Mobile application.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web login page. 
2. Log in using your user credentials. 
3. On the consent confirmation page, you will be able to select the accounts you wish to connect.
4. After confirming your connection consent or completing a payment, return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current, card and POS accounts.
• Collector, deposit and credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature, via redirect or deeplink
• Joint signature is not supported

Access Conditions

You must have an internet banking account in one of UniCredit’s internet or mobile banking applications.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web page where you need to select one of the links displayed in the middle of the screen to choose the banking application you use. 
2. After selecting the application, log in with your user credentials or, on mobile, using biometric authentication.
3. If, in your relationship with the bank, you represent multiple legal entities and have internet banking access to all of them under the same user, you will be able to select on the second screen which accounts you want to connect. All selected accounts will be connected under the same consent authorization.
4. Once the accounts are selected, click the confirmation button to approve the connection consent, then click on FINQWARE S.R.L. (highlighted in blue) and return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current, card (with or without overdraft), and POS accounts.
• Deposit and credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature, via redirect or deeplink
• Joint signature, via decoupled flow (the second signature must be given directly in the banking application)

Access Conditions

You must have an internet banking account in the Libra Internet Bank application.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web login page. 
2. Log in using your user credentials.
3. On the consent confirmation page, you can select the accounts you wish to connect.
4. After confirming your connection consent or completing a payment, return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current, card, POS, and collector accounts.
• Deposit and credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature, via redirect
• Joint signature is not supported

Access Conditions

You must have an internet banking account in the Garanti Online application.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. For payments, you must first enter in Finqware the IBAN of the account from which the payment will be made.
2. From Finqware, you are redirected to a web login page, where you need to select from the menu in the top-right corner either INDIVIDUALS or COMPANIES.
3. Then, log in using your user credentials.
4. On the consent confirmation page, you can select the accounts you wish to connect.
5. After confirming your connection consent or completing a payment, return to the Finqware application.
6. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current, card (with or without overdraft), POS and some bank deposit accounts.
• Credit accounts are not supported.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature, via redirect or deeplink
• Joint signature, via decoupled flow

Access Conditions

You must have an internet banking account with First Bank.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web login page.
2. Log in using your user credentials.
3. On the consent confirmation page, you can select the accounts you wish to connect.
4. After confirming your connection consent or completing a payment, return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current, credit, overdraft, and card accounts.

Supported payment flows

• Single payments, in RON or EUR
• Bulk payments, in RON or EUR

Supported signature types

• Single signature
• Joint signature
• Payment file import and signing directly in the bank application

Access Conditions

You must have an internet banking account with Intesa Sanpaolo Bank.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web login page after entering your user ID.
2. Log in using your user credentials.
3. On the consent confirmation page, you can select the accounts you wish to connect.
4. After confirming your connection consent or completing a payment, return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current, credit, overdraft, and card accounts.

Supported payment flows

• Single payments, in RON
• Bulk payments, in RON

Supported signature types

• Single signature
• Joint signature
• Payment file import and signing directly in the bank application

Access Conditions

You must have an internet banking account with Exim Bank.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web login page.
2. Log in using your user credentials.
3. On the consent confirmation page, you can select the accounts you wish to connect.
4. After confirming your connection consent or completing a payment, return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current accounts.

Supported payment flows

• Single payments, in RON
• Bulk payments, in RON

Supported signature types

• Single signature, via redirect
• Joint signature
• Payment file import and signing directly in the bank application

Access Conditions

You must have an internet banking account with Nexent Bank, and you will need to provide the client code (Corporate ID) from your internet banking account.

Restrictions

N/A

Account Connection or Payment Authorization Flow

1. From Finqware, you are redirected to a web login page after entering your client code (Corporate ID) and user ID.
2. Log in with your user credentials.
3. On the consent confirmation page, you can select the accounts you wish to connect.
4. After confirming your connection consent or completing a payment, return to the Finqware application.
5. Wait a few minutes for the accounts to finish loading in the app.

Supported bank accounts

• Current and collector accounts.

Supported payment flows

• Single payments, in RON
• Bulk payments, in RON

Supported signature types

• Single signature, via redirect

If you’re not redirected back to Finqware after authentication, the connection is not yet complete. Please restart the process or open a support ticket through Finqware’s Help Center.

Our team can assist you with issues such as:

• Redirect errors after bank authentication
• Missing accounts after consent approval
• Payment initiation errors in PSD2 flows

Tip: Always ensure your bank credentials are active and that your organization has PSD2 API access enabled before starting the connection.

Connecting your company’s accounts through PSD2 APIs offers more than convenience — it enables real-time cash visibility, automated bank reconciliation, and full cash management integration across all your banks.

At Finqware, we bridge the gap between corporate finance teams and their banks. By automating data exchange through secure bank API integrations, we empower businesses to manage liquidity, optimize payments, and centralize treasury operations without manual effort.

See also: How FinqTreasury Uses APIs to Transform Treasury Operations, and Open Banking APIs – The Uber of Corporate Banking Connectivity