Raiffeisen Smart Market - Banking & shopping rewards

Imagine yourself as a person always on the go, striving to enhance every facet of your banking and shopping encounters. This is exactly where Raiffeisen Smart Market steps in as your indispensable ally. Whether you’re grabbing your daily coffee, shopping for groceries, or engaging in online purchases, Raiffeisen Smart Market ensures that each experience provides additional benefits.

The partnership with Raiffeisen extends even further. Raiffeisen Smart Market enhances your experience by collaborating with a wide array of brands and businesses, guaranteeing you access to an extensive range of rewards. From favorite local cafes to global retailers, Raiffeisen Smart Market curates a diverse collection of deals, discounts, and incentives tailored to your preferences.

The best part? Redeeming your rewards is effortless, thanks to its smooth integration with Raiffeisen banking services. With just a click, you can activate enticing offers and keep track of your progress toward earning those coveted rewards. Be it gathering points for future use, unlocking exclusive promotions, or winning fantastic prizes, Raiffeisen Smart Market places the power of choice right at your fingertips.

Moreover, Raiffeisen Smart Market has been designed with user-friendliness in mind. The application features a clean, intuitive interface available in both Romanian and English, making it accessible to all users. Additionally, with clear information on its cookie usage and SDK technologies, Raiffeisen Smart Market emphasizes transparency and data security, ensuring your comfort while navigating its offerings.

Ultimately, Raiffeisen Smart Market is more than just another application; it’s a loyalty platform that enables you to maximize each transaction. Whether you are indulging in a shopping spree or simply restocking essentials, let Raiffeisen Smart Market be your reliable partner in discovering a realm of rewards.

Raiffeisen Bank Romania accelerates in Q1 2025:

+35% more new clients and positive developments in all business segments Bucharest.

Bucharest, 06.05.2025 | Raiffeisen Bank continues its growth strategy in 2025, with solid financial results in the first quarter, to which all business lines contributed. The progress in the first three months reflects the efficient approach to financial planning with the help of the innovative SMART FINANCE solution. The positive developments were also contributed by improvements in the area of digital banking services, which attracted 35% increases in the number of new clients compared to the first quarter of 2024.

In line with the vision of helping as many clients as possible to achieve solid financial health, the digitalization of financial planning products (investment funds and plans, voluntary pension, life insurance) also continued. With the launch of the digital enrollment flow in the Raiffeisen Acumulare Optional Pension Fund, new functionalities for its visualization and administration were also introduced in the Smart Mobile Mobile Banking application, for both new and existing customers. Customers can view their updated balance, contribution history from the last year, find out information about the return obtained from the invested amounts and details about the fund units held. The application allows adjusting the value of monthly contributions, while providing full transparency on the costs associated with the pension fund.

Deposits: +20%, credit balance: +11%

In the first three months of the year, deposits (RON 66.99 billion) maintained the consolidation pace, with an increase of 20% compared to the same period of the previous year. The evolution is due to contributions from all customer segments, with deposits from individuals increasing by 14% and those from corporate customers advancing by 30%. This performance demonstrates the trust of customers in the stability and attractiveness of the savings products offered by Raiffeisen Bank in Romania.

The balance of loans (RON 43.96 billion) granted to customers recorded an increase of 11% compared to the previous year, supported by a remarkable lending activity across all segments and main products. Compared to the same period last year, the balance of loans granted to individuals increased by 9% benefiting from attractive price offers and record volumes of new loans, and the corporate segment recorded a significant increase of 16%.

Operating expenses increased by 5% compared to the previous year, reflecting investments in improving customer services. This increase was mainly driven by salary increases and benefits offered to employees.

Revenue growth, careful control of operating costs and maintaining a good risk profile remain the strengths of Raiffeisen Bank, which ends Q1 2025 with total assets of RON 84.8 billion, an 18% increase compared to the first quarter of the previous year, and a solid financial performance supported by a net profit of RON 418 million (+7% compared to the previous year).

"We started the year with a quarter of remarkable results. Our plans to digitize and simplify operations are moving forward and we continue the momentum of the last 2 years since the launch of the Banking 1:1 strategy. We rely on the SMART FINANCE solution that places us in a leading position and supports our vision of democratizing financial advice for all Romanians. We continue to adapt our offers, positioning ourselves as the first choice for clients looking for a trusted partner in the field of financial planning." - Zdenek Romanek, President & CEO, Raiffeisen Bank Romania.

+35% more new customers in Q1 2025 compared to Q1 2024

Compared to the same period in 2024, 35% more individuals chose to become customers of the bank in the first quarter of this year, with a continuously increasing pace from month to month.

At the same time, the bank's digital remote enrollment solution, which allows opening a current account anytime and anywhere, even from the comfort of one's own home, simply and quickly, was adopted by over 4 times more people in Q1 2025 compared to Q1 2024.

In March, Raiffeisen Bank launched a new functionality for new credit card customers: as soon as the credit card limit is approved and granted, the card is available in the Smart Mobile application and can be enrolled in payment applications with the phone or used for payments at online merchants, thus allowing customers to have immediate access to the limit granted by the bank.

Regarding digital payments with your phone or watch, in Q1 2025, the volume and number of these transactions increased by over 66% and 69%, respectively, versus the same period of the previous year, confirming customers' increased interest in digital services.