A check before the deposit: will your money pass an EU bank, is a status within reach, whose name to buy in. The written opinion is free and comes with no obligation.

A free compliance assessment with a written opinion: will your money pass a bank in the European Union — before the deposit

You receive a written document that breaks your situation down section by section: whether a status in the European Union is within your reach, whether your money will pass the bank's check, whose name to buy in, and in what order to act. The opinion may turn out to be negative — and that is a result too: it saves you the deposit, months of waiting and the costs of a property you would not have been able to pay for through a bank. The assessment is free and commits you to nothing. A contract is signed only after it — and only if a route has been built.

What is a compliance assessment and who needs it?

A compliance assessment is a check of your situation before any decisions and before any payments. It answers three questions that in ordinary practice come to light after the deposit: whether you have a ground for a status in the European Union, whether a European bank will accept your money, and in what structure a purchase is possible at all. The answer is given in writing, listing the documents, the timelines and what will not pass.

It is for someone buying an asset in the European Union with their own money who wants to know the bank's answer before paying the deposit, not after. For someone whose money sits in different countries and different accounts — and not always with a complete history. For someone planning to buy through a company who wants to understand what that gives and what it requires. And for someone who already has a status in one EU country but plans an asset in another.

This is not a general consultation on "how everything works." It is a review of your documents and your position, and its result is a document bearing your name and the date.

What does the written opinion include?

The opinion consists of six sections. Their order follows the order in which any purchase in the European Union is built: first the status, then the money, then the asset.

•    Whether a status is within reach. What ground you already have, by which route it is pursued, what documents are needed and what timelines are realistic. If a status is out of reach right now — exactly why, and what has to change for it to become achievable.

•    Source of funds. What money you plan to use, which documents confirm its origin today, where the chain of documents has gaps and what closes those gaps. Separately — which part of the funds cannot go into the deal.

•    The recommended bank and how the account is opened. Which bank fits your situation, what documents it will ask for, how long opening the account takes. The bank makes the decision: we prepare the package to its requirements and give no guarantee of approval — but you learn the requirements before the deal, not in the middle of it.

•    Purchase structure. In your own name or through a company, why exactly that way in your case, and what each option gives in terms of status, taxes and managing the asset.

•    Sequence, timelines and budget. The steps from today to the registration of your title in the land register, what is paid and when, where delays are possible and what they depend on.

•    Risks and what will not pass. Directly, without softening: which documents the bank will not accept, which circumstances make the route impossible, what must be closed before the deal.

The opinion is issued as a PDF in a language the client understands, bearing your name and the date. Its length depends on the situation: the more complex the source of funds, the more detailed the second section. If a next step is possible, the opinion comes with a list of documents for it.

How can the assessment end?

In one of three outcomes — and all three count as a result of the work.

A route has been built. There is a ground, the money passes, the structure is clear. You receive the opinion and a contract proposal with the timelines, the amount and the procedure. The decision on the contract is yours, whenever suits you.

A route has been built with conditions. There is a ground, but some documents are missing or the chain showing where the funds came from is incomplete. The opinion lists what to gather and in what order; the deal comes after the conditions are closed. This is the most common outcome.

A reasoned refusal with an explanation. There is no ground for a status right now, or the funds cannot be confirmed by documents, or the situation falls outside the limits within which we work. You receive a written explanation of why, and you understand what has to change. This outcome is just as free as the others — and it saves you the deposit.

There is a boundary we name right away. We do not work with persons under personal sanctions, and we do not confirm an origin of funds that cannot be confirmed by documents. The assessment checks one thing: whether a lawful route exists for you — and which one.

How does the assessment work and how long does it take?

•    Request. The form on this page or a message to the Telegram chat. One line about your situation is enough: the country you are in, what you want to buy, where the money comes from.

•    A reply from the lead specialist — within one business day. You receive a list of documents for your situation, not a generic list. If the first description already shows that a route is impossible, you will hear so right away — without collecting any documents.

•    Documents. You send them in whatever form is convenient: scans or photos. Originals are not needed at this stage. The timing here depends on you.

•    Review. Up to five business days from receipt of the complete set of documents. If your passport is Russian, up to seven business days: the check goes deeper. The count starts from the complete set, not from the request; if a clarifying document is needed during the review, the period starts over from its receipt.

•    Written opinion. You receive a PDF by email or in a messenger.

•    A call about the opinion. One call of up to thirty minutes by phone or video — we go through the sections and answer your questions. No selling: you already know the result.

•    Your decision. A contract, a pause or a no. No reminders and no countdown — the opinion stays with you, and its result does not go stale within a week.

Everything is done remotely. You do not need to come to Romania for the assessment.

What do we check and what documents will be needed?

The check is built around the origin of funds — what any European bank checks first and foremost. An indicative list of documents by type of source:

•    Sale of real estate. The sale and purchase agreement, proof of title before the sale, a document showing the money was received into an account, the tax return and proof the tax was paid, a statement tracing the funds from the sale to today.

•    Salary and dividends. An employment contract or a payout decision, account statements for the period of saving, tax returns.

•    Sale of a business or a stake. The agreement, a valuation, payment documents, tax returns.

•    Savings. Statements showing how the sum was built up — the period depends on the amount.

•    Crypto assets. Considered separately: not every bank accepts them, and only with a documented history of acquisition and sale.

Cash with no history, handwritten receipts and "a relative gave me the money" without documents do not pass at any European bank. This is not our position — these are the requirements of financial monitoring, backed by ONPCSB, Romania's financial intelligence unit; the bank, the notary and the lawyer are reporting entities to it.

If you hold a Russian passport, the assessment separately checks the sanctions framework. Regulation 2025/2033 rewrote Article 5b(2) of Regulation 833/2014: a listed set of services is prohibited — crypto-asset operations and certain payment and e-money services for Russian citizens regardless of where they are located. Separately, Article 5b(1) prohibits accepting deposits above 100,000 euros per credit institution. The deposit ban does not apply to those who hold a residence permit or citizenship of an EU country, the EEA or Switzerland. There is no direct ban on buying real estate, but these restrictions set the order: status first, money second, asset third. The opinion shows whether and how this applies to you, as of the date of the review.

The documents are used only to prepare the opinion and are not passed to a bank or third parties without your decision on the contract.

What if the deposit has already been paid, the bank has refused, or the money is already abroad?

The assessment is done at this stage too — the earlier, the cheaper the correction.

The deposit has been paid, but the bank has not yet checked the money. The assessment is carried out urgently, before the next payment is due. If the chain of documents can be restored, the deal goes ahead; if not, you find out while the loss is limited to the deposit rather than the whole amount.

The bank has refused. A refusal is analyzed by its reason, not by the fact of it. Most often the reason is a gap in the documents, not the money itself; it is closed with documents and a new application to the bank that fits your situation. Applying to three banks in a row without analyzing the reason is a path to three refusals.

The money is already abroad — in an account in a third country, with no movement and no history. We start not with the property but with documenting the origin: we restore the chain from the source to the current account. A European bank asks for the history of the money, not the last country where it sat.

An apartment has already been bought in a personal name, without a structure. There is ownership, but no fully legal income and no ground for a status. The asset is transferred into a structure through a company; the procedure and cost of the transfer are in the opinion.

How does Alliance work and what comes next?

Alliance Consulting — a licensed consulting company in Romania with four years of work with foreign clients. We are responsible for the strategy, the legal structure, the bank, financial monitoring and coordinating all processes. Property selection and viewings are handled by the Armonia agency. The legal side of transactions is handled by dedicated specialists, accounting by audit firms. Our licenses are publicly available on the website.

After the opinion comes a contract setting out the timelines, the amount and the procedure. There are no payments before the contract. The cost of each stage depends on the scope of work and is fixed before it begins.

Two offices: Constanța, Bulevardul Mamaia 203, 3rd floor, office 6, and Mamaia-sat, Aleea D30, Nr. 8.
Phones: +40775249442 and +380682656442.
Telegram chat: @alliance_consulting_SRL.

Is it really free — and what do you get out of it?

Yes, free and with no obligation. What we get is a client who comes to the contract with a ready route and a complete set of documents — such work goes faster and without surprises. We count refusals as a result too: they save both sides time.

Can I go through the assessment without coming to Romania?

Yes. The request, the documents, the opinion and the call about it are all remote. Your personal presence in Romania will be needed later and only once — when applying for the residence permit, accompanied by the company's lawyer.

What happens to my documents and data after the check?

They are used only to prepare the opinion and are not passed to a bank or third parties without your decision on the contract. The company follows the European Union's personal data protection rules.

Get the opinion

And a straight answer: whether this structure suits you.

Form: name · country of residence · messenger for contact · one line about your situation.

Button: Get the opinion

The assessment is free and commits you to nothing. The lead specialist will reply within one business day. The opinion — within five business days of receiving the documents.

Or write to the Telegram chat: @alliance_consulting_SRL