Reff & Associates SCA has strengths in banking and financial regulatory issues, especially EU banking and financial regulation, and is a strong choice for clients operating in Romania’s growing fintech sector. The firm's client reach benefits from the network of associated firm Deloitte. Practice head Andrei Burz-Pinzaru is well versed in providing advice to banks, non-banking financial institutions, payment institutions and publicly traded companies. On the transactional side, Patricia Enache is a key figure to note, while at senior associate level, Dănuț Arion is dedicated to banking and finance matters.
Legal 500 Editorial commentary
Accolades
Client satisfaction: Lawyer & team quality
Client satisfaction: Billing & efficiency
Client satisfaction: Sector knowledge
Testimonials
Collated independently by Legal 500 research team.
- ‘The team at Reff & Associates is one of the strongest lawyer teams both in terms of knowledge and expertise. They are offering integrated legal, tax, and business consulting solutions.’
- ‘They stand out not only for their legal expertise but also for their strategic thinking, multidisciplinary collaboration, and client-centric approach.’
- ‘The team combines top-tier local legal capability with Deloitte’s multidisciplinary platform (tax, financial advisory, ESG). This gives them a one-stop approach for complex, multi-stakeholder projects where legal must dovetail with finance, treasury, accounting, and operational constraints.'
- ‘Partner access and senior oversight throughout, fast mobilisation of specialist sub-teams (regulatory, employment, competition, data). Sector fluency in heavy industry/manufacturing and regulated environments.’
- ‘The thing that differentiates Reff from other teams is the "commercial" mindset - they put first the interest of the client in actually closing the deal and subordinate all actions and approaches to this single aim. This, coupled with extensive know-how and knowledge of law and industries, insures a smooth and trustful collaboration.’
- ‘When it comes to the people of Reff, what stands out to me is their extensive body of knowledge, their large experience and connections across industries.’
Key clients
- Credex Bank S.A.
- Garanti Bank S.A.
- TBI Bank EAD and TBI Bank EAD Sofia - Sucursala Bucuresti
- Credex IFN S.A.
- Netopia Financial Services S.A.
- CREDITEXPRESS FINANCIAL SERVICES S.R.L
- CEC Bank S.A.
- UniCredit Bank S.A.
- Banca Comercială Română S.A.
- Banca Comerciala Intesa Sanpaolo Romania S.A.
- Powszechna Kasa Oszczędności Bank Polski S.A. (PKO Bank Polski)
- Addiko Bank d.d.
- Verida Credit IFN S.A.
- BLIK ROMANIA S.A. and Polski Standard Płatności Sp. Z o.o.
- Capital Financial Services S.A. (Twispay)
- SEIF FINANCIAL SERVICES S.R.L. (SeifMoney)
- VERALTIS ASSET MANAGEMENT S.R.L.
- Santierul Naval Damen Galati S.A.
- MultiversX Labs S.R.L
- Minor Hotels Europe & Americas, S.A.
Work highlights
Assisted Santierul Naval Damen Galati S.A. with an approximately €25m financing transaction with EximBank Romania S.A. for the development of a major investment in the Galati shipyard.
Advised PK Development Holding on a €100m bond issuance by private placement.
Advising Intesa Sanpaolo Romania on its merger with First Bank Romania.
Practice head
Andrei Burz-Pînzaru
Other key lawyers
Patricia Enache; Dănuț Arion