Imagine this: instead of walking into one bank after another, collecting brochures, trying to understand complex terms, and worrying if you’re making the right decision, you open one platform and see everything clearly in front of you. Offers from 12 banks, explained in a standard format, compared side by side, with calculators that show your potential monthly payments in seconds. And on top of that, free access to professional brokers who guide you every step of the way.

This is not a dream anymore. It is what OferteBancare.ro, the brainchild of economist Claudiu Trandafir, brings to Romania as it officially goes live in Bucharest. Drawing on more than 25 years of banking expertise, Trandafir has transformed his vision into the country’s first platform of its kind: an integrated digital space that combines financial education, transparent credit comparisons, personal consultancy, and even real estate planning.

For ordinary people, this means something very simple yet powerful: clarity. And clarity, when it comes to money, is life-changing.

OferteBancare.ro Officially Launches: A New Era of Integrated Banking in Romania

What’s new for clients?

Until now, the process of finding a loan in Romania was often exhausting. People would spend weeks, sometimes months, visiting multiple banks, listening to different advisors, collecting documents, and trying to compare offers that were never presented in the same way. Some would rely on word of mouth, others on glossy advertising campaigns, but few had the full picture.

OferteBancare.ro changes all that.

• 12 banks, one platform: Mortgage loans, personal loans, refinancing options, or early repayment choices are gathered in one place. Each offer is displayed clearly and comparably, eliminating the confusion of trying to understand different bank formats.
• Smart calculators: By entering their income, loan amount, and repayment period, users can instantly simulate their potential monthly installments, overall costs, and eligibility. No need for complex math or hidden assumptions.
• High approval alignment: The platform doesn’t just simulate — it matches. According to early results, nearly 90% of the simulations accepted online are also approved by banks. This means that when clients see they qualify on OferteBancare.ro, they can trust that the bank will likely say “yes” too.
• Free human support: Once a user chooses an option, they are connected with a Kiwi Finance broker who provides free consultancy. These brokers explain conditions in plain language, help prepare documents, and even negotiate terms with banks.

This combination of technology and human expertise is what makes the platform unique. It is not just an app or a comparison engine. It is a partner that brings together the best of both worlds.

Built on experience, designed for people

The driving force behind this innovation is Claudiu Trandafir, an economist and financial expert with more than 25 years in the banking and consultancy sector. His career has taken him through international banking environments and into the heart of Romania’s financial market. Along the way, he saw the same problem repeating itself: people lacked transparency.

Too often, families signed contracts without fully understanding them. Too often, young couples took on loans that later became a burden. And too often, people simply gave up on their financial dreams because the system seemed too complicated.

“Romanians need transparency, both in public finances and in their personal lives,” Claudiu Trandafir explains. “I have met too many people who made poor decisions simply because they didn’t have access to all the information. My mission is to bring banking into the open, to reorganize and present everything in a way that is fair and understandable. That’s why I built OferteBancare.ro.”

His vision is based on a simple principle: every financial decision should be a win-win. The client should feel confident, the bank should gain a reliable partner, and the broker should play a valuable role as the bridge between the two.

Free consultancy, zero hidden costs

One of the key pillars of the platform is its promise of free access to brokerage and consultancy services. In many countries, financial advice comes with a price tag. But in Romania, OferteBancare.ro has made it free for everyone.

How is this possible? The costs are covered through partnerships with banks, not through fees charged to users. This means clients can:

• ask as many questions as they want,
• request detailed explanations,
• get professional advice tailored to their situation,

… all without worrying about paying for the service.

When someone finds a credit option that looks right, they are introduced to a Kiwi Finance broker from the nationwide network. This broker doesn’t just hand over documents — they sit down with the client, explain every term, and walk them through the process from start to finish. For many people, this human element is invaluable. It removes fear, confusion, and the pressure of “signing without fully knowing.”

As one Kiwi Finance consultant puts it: “People are often afraid to admit they don’t understand financial terms at the bank. With us, they don’t need to be afraid. We take the time to explain everything until it makes sense.”

Knowledge is power: the education mission

Beyond loans, OferteBancare.ro is also an educational hub. And in a country where financial literacy remains low, this may be one of the platform’s most important contributions.

The site offers guides and articles that answer the most common questions:

• What does APR (Annual Percentage Rate) mean, and why does it matter?
• What is the difference between fixed and variable interest rates?
• How do early repayments actually save money?
• How is your credit score calculated, and how does it affect your chances?

All these concepts are explained simply, with practical examples. Instead of complex banking jargon, the platform uses everyday language. The goal is to empower people with knowledge, so they can take control of their financial future.

Because ultimately, a loan is not just a transaction — it is a decision that can shape years, even decades, of a person’s life. And when you understand what you’re signing, you can move forward with confidence rather than fear.

Beyond banking: a real estate hub

Another groundbreaking feature of OferteBancare.ro is its integration with real estate services. Through a strategic partnership with GKM Group, a respected company in construction and property, the platform goes beyond banking to become a complete life-planning hub.

For clients, this means they can:

• finance their home,
• get professional real estate advice,
• design their property,
• and even access construction services — all in one place.

This is the first time such an integrated model exists in Romania.

Trandafir explains: “It’s time for the most experienced and trustworthy players in finance and real estate to come together. When we unite our strengths, we guarantee quality and ensure that people are never misled or taken advantage of. Transparency must be the rule, not the exception.”

Marius Băițelu, CEO of GKM Group, highlights the impact of the partnership: “Our collaboration with OferteBancare.ro means that clients get not only property and construction services, but also the financial foundation that makes these projects possible. Together, we create a safe and complete pathway for anyone looking to build smart.”

Why it matters: a new kind of ally

At its core, OferteBancare.ro is more than a platform. It is an ally for ordinary people.

Think of a young couple buying their first apartment. They are excited, but also anxious. Will they qualify? Can they afford the monthly payments? Are they choosing the right bank? OferteBancare.ro answers these questions clearly, with simulations, education, and human guidance.

Or think of a family that wants to refinance its loan to reduce monthly costs. Instead of visiting multiple banks and being overwhelmed with options, they can compare everything online and choose what really makes sense.

Even Romanians living abroad can benefit. For years, distance made it difficult to access financial services back home. Now, they can log in, simulate loans, and know exactly where they stand before coming to Romania.

Concrete benefits for every client

• Time saved: No more running from bank to bank — everything is just a few clicks away.
• Money saved: Transparent comparisons mean no more hidden fees or overlooked details.
• Reduced stress: With eligibility simulations closely aligned to real bank decisions, people know their chances upfront.
• Human support: Free brokers are available to guide, explain, and negotiate.
• Empowerment: With access to educational content, users learn how to manage their money better for the long term.

A new era for Romania’s financial sector

The launch of OferteBancare.ro marks the beginning of a new chapter in Romanian banking. For decades, financial products were hidden behind technical language and intimidating contracts. Clients often felt alone, overwhelmed, and unprotected.

Now, for the first time, everything is in the open. Offers are transparent. Consultancy is free. Education is accessible. Real estate services are connected. And above all, people are at the center of the process.

It is not just a platform. It is a signal that banking in Romania is changing — moving away from opacity and toward openness, fairness, and dignity.

OferteBancare.ro is now LIVE

This is more than a launch. It is a promise to the Romanian people: that financial clarity, fairness, and trust are possible. That they can finally make big financial decisions with peace of mind. And that they don’t have to do it alone.

By combining technology, human consultancy, education, and real estate, OferteBancare.ro offers something truly unique: a partner for life’s biggest decisions.

Because when information is transparent and guidance is honest, people can make not just good decisions — but inspired decisions.