A glimpse into Romanian investors: what they bought, sold and worried about in 2025

According to Revolut’s internal data, in 2025, the number of Revolut investment users in Romania increased by 17%. The average Romanian investor on Revolut remained among the youngest in Europe, with 34 years old average age, average portfolio value was €2,360. The total amount invested by men in Romania was almost four times higher than that invested by women.

Global fintech Revolut shared new insights into how Romanians invested in 2025, revealing growth in participation, and a shift towards automated and convenient investing accompanied by growing interest in more sophisticated investment tools. Looking ahead to 2026, Romanians are keen to focus more on financial discipline, education and long-term planning.

How Romanians invested in 2025
Romanian portfolios in Revolut were largely diversified, with a strong tilt towards global markets. On average, portfolios consisted of 52% US stocks, 11% ETFs (Exchange traded funds) and 4% European stocks, while 26% was held in money market funds through the Flexible Cash Funds service. Bonds and CFDs (Contracts for difference) accounted for around 2% of portfolios.

Technology stocks continued to be among most traded in Romania, and also in wider Europe. NVIDIA was consistently the most bought and sold US stock among Romanian and overall European customers, reflecting ongoing enthusiasm around artificial intelligence (AI). Among European equities, Rheinmetall emerged as the most actively traded stock, mirroring heightened investor attention on defence companies. The Vanguard S&P 500 UCITS ETF remained the most traded ETF in Romania, underlining the popularity of broad, low-cost exposure to the US market.

Rise of automated and regular investing
2025 has also marked a shift towards more convenient and automated investing. In January, Revolut introduced commission-free ETF investment plans, allowing customers to set up automatic, recurring, e.g. weekly, contributions from as little as €1 to over 300 EU listed ETFs. These trades are commission-free and do not count towards their subscription plan’s monthly allowance.

The average recurring investment in Romania was €47 per month, with the most popular plans being the Vanguard S&P 500 ETF – which accounted for almost 32% of all ETF trades in 2025 – followed by the Vanguard FTSE All-World ETF at 10% of all trades.

At the same time, interest in fully automated solutions surged. Both the number of Robo-Advisor customers and total balances invested through automated investing more than doubled over the year, highlighting growing demand for hands-off, long-term portfolio management.

Growing appetite for advanced tools
For more experienced investors, Revolut introduced Contracts for Difference (CFDs) in 2025. The most popular CFDs traded by Romanians were gold, the Nasdaq 100 and silver. These instruments attracted active traders looking to for instance hedge against inflation, gain exposure to global tech performance, or trade volatility in energy markets.

Gender gap remains
The data also revealed a persistent investment gap between men and women. In 2025, the total amount invested by men in Romania was almost four times higher than that invested by women. The average portfolio size stood at €2,840 for men and €1,270 for women. However, more women than men started investing during the year: the number of women investors grew by 21%, compared to a 14% increase among men.

What’s holding Romanians back – and what’s next for 2026
A recent study conducted by research company Dynata on behalf of Revolut sheds light on the barriers to investing in Romania. The biggest obstacle for Romanians to start investing was simply not having enough spare money (32%), followed by lack of knowledge on how to start investing (21%) and by fear of losing money (19%). Though, 10% of the respondents said that nothing held them back from investing.

Looking ahead to 2026, 21% of Romanians said they feel anxious and uncertain about their finances. At the same time, 27% reported taking proactive steps such as investing, saving, job hunting or upskilling. When asked what would most improve their financial situation in 2026, respondents most often pointed to greater self-discipline to avoid overspending (43%) and stick to financial goals, while one in three said they lack sufficient financial education to master money management.

“Romania’s investment landscape is clearly maturing – we’re seeing more people start investing earlier, embrace regular investing habits and use automated solutions to build wealth over time. At the same time, our data shows that financial confidence and education will be critical in 2026, especially with the general economical challenges in Romania. Helping customers overcome fear, build discipline and access the right tools will remain a key focus for us,” says Rolandas Juteika, Head of Wealth and Trading (EEA).

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Insights based on aggregated Revolut’s investment services customers data from 2024 and
2025 and representative survey, conducted in October 2025 by research company Dynata
through an online questionnaire among a sample of 1,000 people representing the population of
Romania aged 18 and over.