For importers

You pay suppliers in another currency.

What matters is the currency on the supplier's invoice, the total cost of getting that amount to them, and the deadline behind the payment. The country the supplier is in does not decide the currency.

Start with your next payment

Two common shapes

Where the exposure sits

Both buy abroad and sell in Romania. What differs is the currency of the purchase and how quickly the selling price can follow the exchange rate.

Lei in, other currencies out

Suppliers invoice outside the euro

Your customers pay in lei and your suppliers invoice in another currency. A supplier in one country can invoice in the currency of another, so the invoice is the thing to check. The cost of each payment and your lei budget are the questions.

Lei in, euro out

You buy in euro and sell in lei

The euro cost of the goods is fixed on the invoice; the lei it takes to pay it is not. If your price to customers is set in lei before you pay, a move in the rate comes out of your margin.

Paying a supplier

What to settle before a payment goes out

These points apply whoever sends the payment for you.

Read the invoice, not the map

Name the currency the invoice is in, by its code, and the amount. Then say it from your side: you pay lei and buy that currency.

Count the whole cost

A payment fee, the exchange-rate margin and any intermediary or receiving-bank charge all add up. A payment with no commission can still cost something. Compare the total lei paid for the same amount delivered.

Does the full amount have to arrive?

If a charge is deducted on the way, your supplier may receive less than the invoice. Whether that is acceptable is a question for your contract with them.

Work back from the deadline

Cut-off times, funding the payment and checking the beneficiary's details all take time. An urgent payment is easier to plan when those steps are already in place.

Illustrative figures

A worked example, with made-up numbers

Every number below is hypothetical. None is a current market rate, a quote or an outcome any company has had. The example shows how to read a payment, not what to do about it.

Illustrative only

What a small move costs on one invoice

A company needs EUR 100,000 for a supplier. Hypothetical rates, before fees.
At 5.00 lei per euro	RON 500,000
At 5.05 lei per euro	RON 505,000
Difference	RON 5,000

This shows sensitivity: how much the lei cost of one payment moves with the rate. If the selling price to your customer was already fixed in lei, the difference is margin. It is not a forecast of where the rate will go.

Payments due later

A payment due in three months is a different question

A payment due this week is about the route, the cost and the deadline. One due months from now is also about your budget: what the invoice will cost in lei when it falls due, and whether you can pass a change on to your customers.

How to plan for it depends on how firm the obligation is, whether your selling price can move, and how much room your budget has. That is a conversation about your payments, not a general answer.

Your next payment

Which currency is on the supplier invoice, and when must it be paid?

Start with the next payment you have to make. Rough figures are enough.

Discuss your supplier payments

The chat assistant is automated. If you would rather hear from a person, say so in the chat or use the contact form.

The invoiceIts currency and roughly how much.
The deadlineWhen the supplier must be paid.
Your selling priceWhether it is fixed in lei or can follow the rate.