# Donation crowdfunding · Romania

Which platform delivers the most of every leu to Romanian causes — and how the 3.5% income-tax redirect rewards donors who give to a registered NGO.

Romania's online giving runs on cards: Visa and Mastercard carry roughly 46% of e-commerce and the clear majority of online donations, with Apple Pay and Google Pay near 10% and the fintech wallet Revolut very widely held. Cash-on-delivery still dominates physical-goods shopping, but it is not a giving rail — so for donations the card story, not a local bank scheme like iDEAL, is what matters. The market is young but growing fast: Romanian crowdfunding campaign volume rose around 140% year-on-year in 2025.

There is no surviving home-grown donation-crowdfunding platform, so Romanian fundraisers and donors rely on international names. Crucially, Romania's donor incentive is not a classic deduction: a salaried taxpayer can REDIRECT up to 3.5% of the income tax they already owe to a registered NGO, church or private scholarship by filing Form 230 — at no extra cost to themselves. Companies sponsor instead, deducting the lower of 0.75% of turnover or 20% of their corporate income tax. The recipient must sit in ANAF's register of non-profit and religious entities for either route to work.

On payments the regulator is the National Bank of Romania (BNR), which supervises payment and e-money institutions; crowdfunding service providers fall under the Financial Supervisory Authority (ASF) and the EU's ECSPR (Regulation 2020/1503). Donor data is governed by the GDPR — Romania is an EU member — so platforms with EEA data residency carry a lighter compliance burden than those storing donor PII outside the bloc.

## Facts

|  |  |
| --- | --- |
| Currency | RON |
| Regulators | Banca Națională a României (BNR), Autoritatea de Supraveghere Financiară (ASF) |
| Payment methods | card, bank-transfer, apple-google-pay, revolut, paypal |

## Platforms

1. **4fund.com** — kr100.00/kr100 · Individuals, charities, and small organisations across the EEA who want a multilingual, no-commission fundraiser backed by an established Polish crowdfunding operator with EU payment-institution licensing.
2. **WhyDonate** — kr98.35/kr100 · EU nonprofits — 0% platform fee, card-native, GDPR data residency
3. **Fundraise Up** — kr93.50/kr100 · Mid-size and large nonprofits running international online fundraising that want to maximize donation conversion with modern wallets, local payment rails, and multi-currency checkout.
4. **GoGetFunding** — kr92.80/kr100 · Flexible personal, medical and community campaigns
5. **Leetchi** — kr90.85/kr100 · French-speaking fundraisers, group collections among friends, and EU nonprofits comfortable with a longer-established platform.
6. **Steady** — kr87.10/kr100 · European creators, independent journalists, podcasters, and publishers who want recurring income from paying members rather than one-off donation campaigns.

## FAQ

### Which platforms work in Romania?

There is no surviving Romanian-built donation platform, so fundraisers use international ones — the table above lists those operating here. Because giving is card-led, the ranking leans on which platform passes card processing through most cheaply and supports a registered Romanian NGO.

### Are donations tax-deductible in Romania?

Not as a classic deduction for salaried donors. Instead you can redirect up to 3.5% of the income tax you already owe to a registered NGO, church or scholarship by filing Form 230 — at no extra cost. The self-employed get a sponsorship deduction of up to 5% of their taxable base, and companies deduct sponsorship up to the lower of 0.75% of turnover or 20% of corporate income tax.

### Will I be taxed on money I raise?

Romania levies no gift tax, and genuine donations are generally not taxable income for an individual. It changes if donors get goods or services in return, or if you are effectively trading — then it can be taxable income and may involve VAT. A registered NGO receives donations tax-free.

### What's the cheapest way to receive donations here?

Because nearly every Romanian online gift lands on card rails, the cheapest route is a platform that passes card processing through at cost rather than adding a percentage markup — there is no low-cost local bank scheme to fall back on.