CNP (Cod Numeric Personal)

CNP (Cod Numeric Personal) is Romania's unique 13-digit national identifier, assigned at birth to citizens and issued to legal foreign residents once their status is formalized. It doubles as a tax identification number: the first digit encodes sex and century of birth, the next six encode date of birth, two more identify the county of registration, three form a daily serial number, and a final check digit validates the whole sequence.

Every Romanian IFN (non-bank fast-loan lender) asks for a valid CNP during onboarding, since it is the reference number used to link an applicant's identity across banking, tax, and — where permitted — Biroul de Credit history checks. A foreign resident without a CNP generally cannot complete a Romanian fast-loan application at all, making it, alongside a Romanian bank account, one of the two baseline prerequisites for accessing the market.