Romanians will be able to invest their money anywhere in the EU states, in the newly established European investment account.

The European Union is preparing to launch the European Investment Account, a unique instrument through which Romanians will also be able to place their savings in stocks, bonds, and government securities from any member state, via a digital platform, with reduced fees and favorable tax treatment. The new framework is part of the initiative for the Union of Economies and Investments and aims to mobilize a portion of the approximately 10 trillion euros locked in bank deposits with low yields.

The European Investment Account is designed as a standardized investment "pool" at the EU level, in which listed stocks, sovereign and corporate bonds, ETFs, and European long-term investment funds (ELTIF) can be held. The product will not be directly managed by Brussels but distributed by banks, investment firms, brokers, and authorized fintechs in each member state, to stimulate competition and keep costs at a minimum level.

At the European level, authorities will create a unique digital interface for accessing these instruments, simplifying bureaucratic barriers and the current fragmentation of capital markets. In fiscal terms, the Commission recommends a simple regime, with taxation upon withdrawal and possible incentives for long-term investments; in Romania, a deductibility of up to 400 euros per year for investments in stocks or ETFs is being discussed.

This initiative comes against the backdrop of estimates that households in the EU hold approximately 10 trillion euros in bank deposits, while the annual investment needs of the European economy are estimated at 750–800 billion euros until 2030, including for the green transition, digitalization, and increased defense spending. The goal is for citizens to become direct investors in the European economy, not just depositors, without negating the role of bank deposits in financing through banks.