A year and a half after launch, Salt Bank has surpassed 700,000 clients and reached 2 billion lei in assets, strengthening its position in Romania’s banking landscape. By exceeding a 0.2% market share, Salt Bank now enters the category of institutions that will pay the new 4% turnover tax starting next year. The management sees this as a milestone in the bank’s maturity, emphasizing that Salt Bank has become more than a digital account with a good exchange rate — it is a bank where customers already receive their salaries, and one that is “here to stay”.
Rapid growth and the shift to the new fiscal regime
In 600 days, Salt Bank increased its assets from 1.2 billion lei in 2024 to nearly 2 billion lei, an approximate 58.5% rise. CEO Gabriela Nistor notes that the bank did not feel the impact of the fiscal changes earlier because it was below the taxable threshold. As Salt grows, the tax will apply — but the institution views this as an opportunity.
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“The turnover tax did not affect us initially because we were too small. Now we will be impacted because we have grown and crossed the threshold. We are in a continuous growth phase, so we see this change as a major opportunity,” said Nistor.
The new tax, increased to 4% from August 2025, does not apply to banks with less than 0.2% market share. Nine banks in Romania remain exempt.
Becoming the primary bank for Romanians
Salt Bank positions itself between fintech and traditional banking, aiming to become the main financial account for customers. Some users already receive their salaries at Salt.
“We have laid the groundwork and have a strong foundation. We cannot remain just the bank with the best card. We are here to stay. We already have clients who receive their salaries through us and a clear intention to become their main bank. It will take time, but it is achievable,” Nistor added.
Salt Bank in numbers
The bank reports: over 700,000 clients, 2 billion lei in assets, 10,000+ personal loans granted, 30,000+ investment orders, and major increases in everyday spending — from transport and groceries to coffee, gaming, travel, and even emotional money transfers with messages like “I love you” or “I miss you”.
Photo: Business ReviewA year and a half after launch, Salt Bank has surpassed 700,000 clients and reached 2 billion lei in assets, strengthening its position in Romania’s banking landscape. By exceeding a 0.2% market share, Salt Bank now enters the category of institutions that will pay the new 4% turnover tax starting next year. The management sees this as a milestone in the bank’s maturity, emphasizing that Salt Bank has become more than a digital account with a good exchange rate — it is a bank where customers already receive their salaries, and one that is “here to stay”.
Rapid growth and the shift to the new fiscal regime
In 600 days, Salt Bank increased its assets from 1.2 billion lei in 2024 to nearly 2 billion lei, an approximate 58.5% rise. CEO Gabriela Nistor notes that the bank did not feel the impact of the fiscal changes earlier because it was below the taxable threshold. As Salt grows, the tax will apply — but the institution views this as an opportunity.
“The turnover tax did not affect us initially because we were too small. Now we will be impacted because we have grown and crossed the threshold. We are in a continuous growth phase, so we see this change as a major opportunity,” said Nistor.
The new tax, increased to 4% from August 2025, does not apply to banks with less than 0.2% market share. Nine banks in Romania remain exempt.
Becoming the primary bank for Romanians
Salt Bank positions itself between fintech and traditional banking, aiming to become the main financial account for customers. Some users already receive their salaries at Salt.
“We have laid the groundwork and have a strong foundation. We cannot remain just the bank with the best card. We are here to stay. We already have clients who receive their salaries through us and a clear intention to become their main bank. It will take time, but it is achievable,” Nistor added.
Salt Bank in numbers
The bank reports: over 700,000 clients, 2 billion lei in assets, 10,000+ personal loans granted, 30,000+ investment orders, and major increases in everyday spending — from transport and groceries to coffee, gaming, travel, and even emotional money transfers with messages like “I love you” or “I miss you”.
Photo: Business Review
