I am stating that the banks in Romania rely solely on the information stated on the documents of identification. If the information changes, they change their record, accordingly. Most countries issue new IDs to their citizens in their embassies, otherwise you wouldn't be able to leave a foreign country if you lost your ID on a vacation or business trip. To clarify the procedures contact your embassy.What you explain above would mean that Romania reports 99% of all foreigners systemically wrong. Only very few countries issue a national ID to a citizen who lives permanently abroad and even fewer write the full foreign address on a national ID.
How about showing the Romanian bank a Tax ID or permanent resident card of a third country as proof of address/proof of legal residency?
- Example: Potential customer of a Romanian bank is a Portugese citizen who intends to opens a bank account by showing his Portugese passport + his permanent residence permit of Switzerland. The customer also has a temporary residence permit of Romania. He can only provide his permanent address in Switzerland and his temporary address in Romania to the bank since he has no address in Portugal (he left Portugal for good 20 years ago). Will the Romanian bank refuse this customer? Where will the Romanian bank report this customer for CRS purposes??
Obtaining a certificate of Residence in Romania might be an indicator for the tax residence but it does not mean that you can just come to Romania, obtain a certificate of residence (temporary permit) and immediately your tax residences changes. As a consequence a first reporting might occur based on old information, that might indeed be the case.