Digital Banking Scorecard 2023

All the traditional banks from our analysis delight customers with fully online consumer loans. And 9 out of 10 allow clients to open accounts from their sofas, without visiting a physical branch.

But what about closing a relationship with a bank? It seems that after marrying a bank it's not as easy to divorce.

7 out of 10 traditional banks don't permit closing your current account from the comfort of your house. You have to move to your allocated branch (hopefully you'll know which that is when you open your online account) to confirm the break-up

5 out of 10 traditional banks don't offer the option to cancel your card from the mobile app. You can suspend it, freeze it, but to cancel it you have to visit the branch and sign some papers.

That's why the remote banking in Romania is not yet complete, and you still have to remember where your branch is located.

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