{"id":3569,"date":"2025-07-26T12:00:58","date_gmt":"2025-07-26T09:00:58","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3569"},"modified":"2025-07-28T17:47:30","modified_gmt":"2025-07-28T14:47:30","slug":"comision-sha","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/comision-sha\/","title":{"rendered":"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p data-start=\"81\" data-end=\"648\">C\u00e2nd trimi\u021bi bani \u00een str\u0103in\u0103tate, fie c\u0103 pl\u0103te\u0219ti pentru servicii, sprijini familia sau faci o achizi\u021bie online, apar inevitabil termeni precum \u201eSHA\u201d, \u201eOUR\u201d sau \u201eBEN\u201d. Cel mai frecvent \u0219i echitabil dintre ace\u0219tia este <strong data-start=\"299\" data-end=\"317\">comisionul SHA<\/strong>, o alegere standard pentru transferurile interna\u021bionale, mai ales \u00een zona SEPA. Dar ce \u00eenseamn\u0103 SHA \u00een realitate? Cum se calculeaz\u0103, ce avantaje st\u0103p\u00e2ne\u0219te \u0219i c\u00e2nd poate deveni o alegere nepotrivit\u0103? \u00cenainte de a ini\u021bia un transfer, merit\u0103 s\u0103 \u00een\u021belegi din clar de la bun \u00eenceput cum va fi \u00eemp\u0103r\u021bit costul \u00eentre tine \u0219i destinatar.<\/p>\n<p data-start=\"650\" data-end=\"1186\">SHA este acronimul pentru \u201eshared\u201d (\u00eemp\u0103r\u021bit). Practic, expeditorul pl\u0103te\u0219te doar partea sa \u2014 comisionul b\u0103ncii de unde pleac\u0103 banii \u2014 iar destinatarul acoper\u0103 comisioanele propriei b\u0103nci sau ale b\u0103ncilor intermediare. Acest model este folosit \u00een mod implicit \u00een transferurile \u00een euro \u00eentre conturile bancare din UE \u0219i SEE. Practic, dac\u0103 alegi implicit SHA \u00eentr-o tranzac\u021bie SEPA, pl\u0103te\u0219ti doar comisionul propriu, iar destinatarul nu suport\u0103 surprize nea\u0219teptate din prisma b\u0103ncii intermediare sau a unei re\u021bele complexe de tranzac\u021bii.<\/p>\n<h2 data-start=\"1193\" data-end=\"1239\">Cum func\u021bioneaz\u0103 comisionul SHA \u00een practic\u0103<\/h2>\n<p data-start=\"1241\" data-end=\"1273\">Explic\u0103m aici printr-un exemplu:<\/p>\n<p data-start=\"1275\" data-end=\"1354\"><strong data-start=\"1275\" data-end=\"1288\">Transfer:<\/strong> 1.000 EUR din Rom\u00e2nia c\u0103tre un prieten \u00een Germania, folosind SHA.<\/p>\n<ul data-start=\"1356\" data-end=\"1699\">\n<li data-start=\"1356\" data-end=\"1434\">\n<p data-start=\"1358\" data-end=\"1434\">Expeditorul pl\u0103te\u0219te un comision de initiere (de ex. 15\u202fEUR) c\u0103tre banca sa.<\/p>\n<\/li>\n<li data-start=\"1435\" data-end=\"1513\">\n<p data-start=\"1437\" data-end=\"1513\">Banca destinatarului poate re\u021bine p\u00e2n\u0103 la 10\u202fEUR pentru procesarea primirii.<\/p>\n<\/li>\n<li data-start=\"1514\" data-end=\"1603\">\n<p data-start=\"1516\" data-end=\"1603\">\u00cen anumite situa\u021bii, b\u0103nci corespondent pot re\u021bine taxe suplimentare (de ex. 5\u201310\u202fEUR).<\/p>\n<\/li>\n<li data-start=\"1604\" data-end=\"1699\">\n<p data-start=\"1606\" data-end=\"1699\">\u00cen total, beneficiarul ar putea primi \u00eentre 975\u2013985\u202fEUR, \u00een func\u021bie de lan\u021bul de transmitere.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1701\" data-end=\"1724\">Este important s\u0103 \u0219tii:<\/p>\n<ul data-start=\"1725\" data-end=\"1899\">\n<li data-start=\"1725\" data-end=\"1801\">\n<p data-start=\"1727\" data-end=\"1801\">Expeditorul nu suport\u0103 costurile intermediare sau ale celui care prime\u0219te.<\/p>\n<\/li>\n<li data-start=\"1802\" data-end=\"1899\">\n<p data-start=\"1804\" data-end=\"1899\">Destinatarul prime\u0219te o sum\u0103 redus\u0103, f\u0103r\u0103 ca expeditorul s\u0103 aib\u0103 control asupra acestui aspect.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1906\" data-end=\"1957\">SHA vs. OUR vs. BEN \u2013 c\u00e2nd alegi fiecare op\u021biune<\/h2>\n<p data-start=\"1959\" data-end=\"2047\">Exist\u0103 trei mecanisme majore de alocare a comisioanelor \u00een transferurile interna\u021bionale:<\/p>\n<p data-start=\"2049\" data-end=\"2067\"><strong data-start=\"2049\" data-end=\"2065\">SHA (Shared)<\/strong><\/p>\n<ul data-start=\"2068\" data-end=\"2279\">\n<li data-start=\"2068\" data-end=\"2182\">\n<p data-start=\"2070\" data-end=\"2182\">Costurile sunt \u00eemp\u0103r\u021bite: expeditorul pl\u0103te\u0219te comisionul propriei b\u0103nci, destinatarul suport\u0103 restul taxelor.<\/p>\n<\/li>\n<li data-start=\"2183\" data-end=\"2279\">\n<p data-start=\"2185\" data-end=\"2279\">Este op\u021biunea implicit\u0103 \u00een SEPA \u0219i recomandat\u0103 pentru transferuri standard de persoane fizice.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2281\" data-end=\"2296\"><strong data-start=\"2281\" data-end=\"2294\">OUR (Our)<\/strong><\/p>\n<ul data-start=\"2297\" data-end=\"2537\">\n<li data-start=\"2297\" data-end=\"2396\">\n<p data-start=\"2299\" data-end=\"2396\">Expeditorul pl\u0103te\u0219te toate comisioanele, inclusiv cele suportate de destinatar \u0219i intermediari.<\/p>\n<\/li>\n<li data-start=\"2397\" data-end=\"2445\">\n<p data-start=\"2399\" data-end=\"2445\">Beneficiarul prime\u0219te \u00eentreaga sum\u0103 trimis\u0103.<\/p>\n<\/li>\n<li data-start=\"2446\" data-end=\"2537\">\n<p data-start=\"2448\" data-end=\"2537\">Util pentru tranzac\u021bii comerciale sau c\u00e2nd destinatarul nu poate deduce din suma primit\u0103.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2539\" data-end=\"2562\"><strong data-start=\"2539\" data-end=\"2560\">BEN (Beneficiary)<\/strong><\/p>\n<ul data-start=\"2563\" data-end=\"2740\">\n<li data-start=\"2563\" data-end=\"2609\">\n<p data-start=\"2565\" data-end=\"2609\">Toate taxele sunt suportate de destinatar.<\/p>\n<\/li>\n<li data-start=\"2610\" data-end=\"2684\">\n<p data-start=\"2612\" data-end=\"2684\">Expeditorul trimite o sum\u0103 brut\u0103, dar destinatarul prime\u0219te mai pu\u021bin.<\/p>\n<\/li>\n<li data-start=\"2685\" data-end=\"2740\">\n<p data-start=\"2687\" data-end=\"2740\">Rar folosit \u00een practic\u0103 din motive clare de echitate.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2742\" data-end=\"2888\">Alegerea \u00eentre SHA, OUR \u0219i BEN depinde de context: rela\u021bia cu destinatarul, importan\u021ba exactit\u0103\u021bii sumei primite \u0219i sensibilitatea costului total.<\/p>\n<h2 data-start=\"2895\" data-end=\"2925\">Avantajele comisionului SHA<\/h2>\n<p data-start=\"2927\" data-end=\"2963\">SHA are c\u00e2teva beneficii importante:<\/p>\n<ul data-start=\"2964\" data-end=\"3277\">\n<li data-start=\"2964\" data-end=\"3012\">\n<p data-start=\"2966\" data-end=\"3012\"><strong data-start=\"2966\" data-end=\"2978\">Echitate<\/strong>: fiecare pl\u0103te\u0219te doar partea sa.<\/p>\n<\/li>\n<li data-start=\"3013\" data-end=\"3093\">\n<p data-start=\"3015\" data-end=\"3093\"><strong data-start=\"3015\" data-end=\"3031\">Simplicitate<\/strong>: folosit implicit pentru transferurile \u00een euro \u00een SEPA zones.<\/p>\n<\/li>\n<li data-start=\"3094\" data-end=\"3162\">\n<p data-start=\"3096\" data-end=\"3162\"><strong data-start=\"3096\" data-end=\"3112\">Transparen\u021b\u0103<\/strong>: costul pentru fiecare parte este clar delimitat.<\/p>\n<\/li>\n<li data-start=\"3163\" data-end=\"3277\">\n<p data-start=\"3165\" data-end=\"3277\"><strong data-start=\"3165\" data-end=\"3183\">Accesibilitate<\/strong>: este op\u021biunea primar\u0103 acceptat\u0103 de toate b\u0103ncile pentru transferuri interna\u021bionale legitime.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"3284\" data-end=\"3317\">Dezavantajele comisionului SHA<\/h2>\n<p data-start=\"3319\" data-end=\"3374\">Exist\u0103 \u0219i c\u00e2teva aspecte care pot constitui dezavantaj:<\/p>\n<ul data-start=\"3376\" data-end=\"3771\">\n<li data-start=\"3376\" data-end=\"3483\">\n<p data-start=\"3378\" data-end=\"3483\">Expeditorul nu controleaz\u0103 suma final\u0103 primit\u0103 \u2014 singurele costuri vizibile sunt cele ale b\u0103ncii proprii.<\/p>\n<\/li>\n<li data-start=\"3484\" data-end=\"3579\">\n<p data-start=\"3486\" data-end=\"3579\">Destinatarul poate primi mai pu\u021bin, f\u0103r\u0103 avertizare prealabil\u0103 asupra comisioanelor aplicate.<\/p>\n<\/li>\n<li data-start=\"3580\" data-end=\"3659\">\n<p data-start=\"3582\" data-end=\"3659\">Pentru sume mari, pot exista deduceri semnificative care pot cauza nepl\u0103ceri.<\/p>\n<\/li>\n<li data-start=\"3660\" data-end=\"3771\">Sistemul nu garanteaz\u0103 plata integral\u0103 destinatarului \u2014 ceea ce poate fi problematic \u00een contracte comerciale.<\/li>\n<\/ul>\n<h2 data-start=\"3778\" data-end=\"3816\">C\u00e2t cost\u0103 comisionul SHA \u00een Rom\u00e2nia<\/h2>\n<p data-start=\"3818\" data-end=\"3878\">Costurile variaz\u0103 \u00een func\u021bie de banc\u0103 \u0219i tipul transferului:<\/p>\n<ul data-start=\"3880\" data-end=\"4221\">\n<li data-start=\"3880\" data-end=\"4044\">\n<p data-start=\"3882\" data-end=\"3925\">Pentru un transfer SEPA de 1.000\u20132.000\u202fEUR:<\/p>\n<ul data-start=\"3928\" data-end=\"4044\">\n<li data-start=\"3928\" data-end=\"3968\">\n<p data-start=\"3930\" data-end=\"3968\">Expeditor: comision \u00eentre 5 \u0219i 20\u202fEUR.<\/p>\n<\/li>\n<li data-start=\"3971\" data-end=\"4044\">\n<p data-start=\"3973\" data-end=\"4044\">Destinatar: comisioane \u00eentre 5 \u0219i 15\u202fEUR (taxe corespondente separate).<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"4045\" data-end=\"4221\">\n<p data-start=\"4047\" data-end=\"4086\">La transferuri interna\u021bionale non\u2011SEPA:<\/p>\n<ul data-start=\"4089\" data-end=\"4221\">\n<li data-start=\"4089\" data-end=\"4153\">\n<p data-start=\"4091\" data-end=\"4153\">\u201eOUR\u201d poate ajunge la 30\u201350\u202fEUR comision suplimentar \u00een total.<\/p>\n<\/li>\n<li data-start=\"4156\" data-end=\"4221\">\n<p data-start=\"4158\" data-end=\"4221\">SHA r\u0103m\u00e2ne mai avantajos, de\u0219i destinatarul prime\u0219te mai pu\u021bin.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p data-start=\"4223\" data-end=\"4231\">Exemple:<\/p>\n<ul data-start=\"4232\" data-end=\"4403\">\n<li data-start=\"4232\" data-end=\"4304\">\n<p data-start=\"4234\" data-end=\"4304\">Banca A percepe 15\u202fEUR, destinatarul prime\u0219te cu ~10\u201315\u202fEUR mai pu\u021bin.<\/p>\n<\/li>\n<li data-start=\"4305\" data-end=\"4403\">\n<p data-start=\"4307\" data-end=\"4403\">Banca B percepe doar 5\u202fEUR, iar banca destinatar\u0103 re\u021bine ~5\u202fEUR, beneficiarul prime\u0219te ~990\u202fEUR.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"4410\" data-end=\"4462\">C\u00e2nd merit\u0103 s\u0103 alegi comisionul OUR \u00een loc de SHA<\/h2>\n<p data-start=\"4464\" data-end=\"4484\">Utilizeaz\u0103 OUR dac\u0103:<\/p>\n<ul data-start=\"4485\" data-end=\"4715\">\n<li data-start=\"4485\" data-end=\"4542\">\n<p data-start=\"4487\" data-end=\"4542\">Destinatarul trebuie s\u0103 primeasc\u0103 exact suma trimis\u0103.<\/p>\n<\/li>\n<li data-start=\"4543\" data-end=\"4641\">\n<p data-start=\"4545\" data-end=\"4641\">Ai contracte comerciale sau decizii financiare critice unde destina\u021bia trebuie s\u0103 fie precis\u0103.<\/p>\n<\/li>\n<li data-start=\"4642\" data-end=\"4715\">\n<p data-start=\"4644\" data-end=\"4715\">E\u0219ti dispus s\u0103 pl\u0103te\u0219ti mai mult pentru siguran\u021ba primirii integrale.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4717\" data-end=\"4803\">De\u0219i mai scump, OUR garanteaz\u0103 c\u0103 destinatarul nu pierde niciun cent din banii trimis.<\/p>\n<h2 data-start=\"4810\" data-end=\"4841\">C\u00e2nd s\u0103 evi\u021bi comisionul SHA<\/h2>\n<p data-start=\"4843\" data-end=\"4886\">Exist\u0103 momente c\u00e2nd SHA nu este recomandat:<\/p>\n<ul data-start=\"4887\" data-end=\"5124\">\n<li data-start=\"4887\" data-end=\"4962\">\n<p data-start=\"4889\" data-end=\"4962\">Transferuri urgente sau mari unde se prefer\u0103 claritate total\u0103 \u00een plata.<\/p>\n<\/li>\n<li data-start=\"4963\" data-end=\"5044\">\n<p data-start=\"4965\" data-end=\"5044\">Rela\u021bii comerciale unde orice diferen\u021b\u0103 poate duce la conflicte de facturare.<\/p>\n<\/li>\n<li data-start=\"5045\" data-end=\"5124\">\n<p data-start=\"5047\" data-end=\"5124\">Beneficiarii care nu au informa\u021bii anticipative despre comisioanele posibile.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5126\" data-end=\"5213\">\u00cen aceste situa\u021bii, OUR sau serviciile moderne de transfer online pot fi mai potrivite.<\/p>\n<h2 data-start=\"5220\" data-end=\"5278\">Alternative moderne: platforme Fintech vs. comision SHA<\/h2>\n<p data-start=\"5280\" data-end=\"5345\">Serviciile Fintech moderne ofer\u0103 o abordare diferit\u0103 fa\u021b\u0103 de SHA:<\/p>\n<ul data-start=\"5347\" data-end=\"5616\">\n<li data-start=\"5347\" data-end=\"5414\">\n<p data-start=\"5349\" data-end=\"5414\">Cursurile valutare sunt pe pia\u021ba real\u0103, f\u0103r\u0103 adaosuri comerciale.<\/p>\n<\/li>\n<li data-start=\"5415\" data-end=\"5468\">\n<p data-start=\"5417\" data-end=\"5468\">Comisioanele sunt fixe sau procentuale foarte mici.<\/p>\n<\/li>\n<li data-start=\"5469\" data-end=\"5542\">\n<p data-start=\"5471\" data-end=\"5542\">Intermediarii dispar, iar aplica\u021biile sunt transparente \u0219i prietenoase.<\/p>\n<\/li>\n<li data-start=\"5543\" data-end=\"5616\">\n<p data-start=\"5545\" data-end=\"5616\">Beneficiarul prime\u0219te aproximativ \u00eentreaga sum\u0103, f\u0103r\u0103 deduceri ascunse.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5618\" data-end=\"5772\">Dac\u0103 transferi frecvent sau vrei mai mult control, op\u021biunile ca Wise, Revolut sau PayPal pot fi mai eficiente dec\u00e2t transferurile bancare standard cu SHA.<\/p>\n<h2 data-start=\"5779\" data-end=\"5825\">Ce s\u0103 verifici \u00eenainte de a face transferul<\/h2>\n<p data-start=\"5827\" data-end=\"5886\">\u00cenainte de a confirma transferul cu SHA, ia \u00een considerare:<\/p>\n<ul data-start=\"5887\" data-end=\"6178\">\n<li data-start=\"5887\" data-end=\"5934\">\n<p data-start=\"5889\" data-end=\"5934\">Dac\u0103 trebuie s\u0103 alegi \u00eentre SHA, BEN sau OUR.<\/p>\n<\/li>\n<li data-start=\"5935\" data-end=\"6003\">\n<p data-start=\"5937\" data-end=\"6003\">Dac\u0103 transferul este SEPA (transfer \u00een euro \u00een interiorul UE\/SEE).<\/p>\n<\/li>\n<li data-start=\"6004\" data-end=\"6046\">\n<p data-start=\"6006\" data-end=\"6046\">Ce comisioane se aplic\u0103 de ambele p\u0103r\u021bi.<\/p>\n<\/li>\n<li data-start=\"6047\" data-end=\"6109\">\n<p data-start=\"6049\" data-end=\"6109\">Dac\u0103 destinatarul este informat despre eventualele deduceri.<\/p>\n<\/li>\n<li data-start=\"6110\" data-end=\"6178\">\n<p data-start=\"6112\" data-end=\"6178\">Dac\u0103 ai alternativ\u0103 digital\u0103 avantajoas\u0103, f\u0103r\u0103 comisioane ascunse.<\/p>\n<\/li>\n<\/ul>\n<h1>\u00centreb\u0103ri frecvente<\/h1>\n<p data-start=\"179\" data-end=\"315\"><strong data-start=\"179\" data-end=\"206\">1. Ce este comisionul SHA?<\/strong><br data-start=\"206\" data-end=\"209\" \/>Este un tip de comision unde expeditorul pl\u0103te\u0219te doar taxa b\u0103ncii sale, iar destinatarul pl\u0103te\u0219te restul.<\/p>\n<p data-start=\"317\" data-end=\"442\"><strong data-start=\"317\" data-end=\"351\">2. C\u00e2nd se aplic\u0103 comisionul SHA?<\/strong><br data-start=\"351\" data-end=\"354\" \/>La transferuri interna\u021bionale, mai ales \u00een euro, \u00een zona UE\/SEE. Este op\u021biunea standard.<\/p>\n<p data-start=\"444\" data-end=\"553\"><strong data-start=\"444\" data-end=\"480\">3. Prime\u0219te destinatarul mai pu\u021bin?<\/strong><br data-start=\"480\" data-end=\"483\" \/>Da. Banca lui \u0219i eventualele b\u0103nci intermediare pot re\u021bine comisioane.<\/p>\n<p data-start=\"555\" data-end=\"679\"><strong data-start=\"555\" data-end=\"596\">4. Pot evita taxele intermediare cu SHA?<\/strong><br data-start=\"596\" data-end=\"599\" \/>Nu complet. Doar op\u021biunea OUR garanteaz\u0103 c\u0103 destinatarul prime\u0219te \u00eentreaga sum\u0103.<\/p>\n<p data-start=\"681\" data-end=\"847\"><strong data-start=\"681\" data-end=\"721\">5. Care e diferen\u021ba fa\u021b\u0103 de BEN \u0219i OUR?<\/strong><br data-start=\"721\" data-end=\"724\" \/>BEN \u2013 toate taxele sunt pl\u0103tite de destinatar.<br data-start=\"770\" data-end=\"773\" \/>OUR \u2013 toate taxele sunt pl\u0103tite de expeditor.<br data-start=\"818\" data-end=\"821\" \/>SHA \u2013 costurile se \u00eempart.<\/p>\n<p data-start=\"849\" data-end=\"962\"><strong data-start=\"849\" data-end=\"877\">6. C\u00e2nd e bine s\u0103 aleg SHA?<\/strong><br data-start=\"877\" data-end=\"880\" \/>Pentru transferuri uzuale, personale, \u00een UE, c\u00e2nd nu conteaz\u0103 suma exact\u0103 primit\u0103.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-easycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"216\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png 216w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-otp.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":9,"featured_media":3572,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[225],"tags":[],"class_list":["post-3569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Comision SHA \u2013 afl\u0103 ce \u00eenseamn\u0103, cum func\u021bioneaz\u0103 \u0219i c\u00e2nd este avantajos s\u0103 alegi aceast\u0103 op\u021biune pentru transferuri interna\u021bionale. Compar\u0103 SHA cu BEN \u0219i OUR pentru decizii financiare mai bune.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/comision-sha\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Comision SHA \u2013 afl\u0103 ce \u00eenseamn\u0103, cum func\u021bioneaz\u0103 \u0219i c\u00e2nd este avantajos s\u0103 alegi aceast\u0103 op\u021biune pentru transferuri interna\u021bionale. Compar\u0103 SHA cu BEN \u0219i OUR pentru decizii financiare mai bune.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/comision-sha\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-26T09:00:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-28T14:47:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/07\/Propuneri-vizualuri-Blog-27.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Maria Marinescu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maria Marinescu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/\"},\"author\":{\"name\":\"Maria Marinescu\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\"},\"headline\":\"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia\",\"datePublished\":\"2025-07-26T09:00:58+00:00\",\"dateModified\":\"2025-07-28T14:47:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/\"},\"wordCount\":2515,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Propuneri-vizualuri-Blog-27.jpg\",\"articleSection\":[\"Stiri\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/\",\"name\":\"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Propuneri-vizualuri-Blog-27.jpg\",\"datePublished\":\"2025-07-26T09:00:58+00:00\",\"dateModified\":\"2025-07-28T14:47:30+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\"},\"description\":\"Comision SHA \u2013 afl\u0103 ce \u00eenseamn\u0103, cum func\u021bioneaz\u0103 \u0219i c\u00e2nd este avantajos s\u0103 alegi aceast\u0103 op\u021biune pentru transferuri interna\u021bionale. Compar\u0103 SHA cu BEN \u0219i OUR pentru decizii financiare mai bune.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Propuneri-vizualuri-Blog-27.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Propuneri-vizualuri-Blog-27.jpg\",\"width\":940,\"height\":788,\"caption\":\"comision sha\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/comision-sha\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/bd477f7971741dc1277289fe9962f25f\",\"name\":\"Maria Marinescu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/maria-marinescu-96x96.jpg\",\"caption\":\"Maria Marinescu\"},\"description\":\"Specialist in credite cu o experien\u021b\u0103 de peste 5 ani \u00een domeniul financiar-bancar si sute de dosare de credite intermediate. Ofer\u0103 servicii de consultan\u021b\u0103 clien\u021bilor care sunt \u00een c\u0103utarea unei finan\u021b\u0103ri, este al\u0103turi de clien\u021bi \u00een fiecare etap\u0103 a acestui proces, oferindu-le suportul \u0219i expertiza necesar\u0103 pentru a lua decizii \u00een\u021belepte \u0219i informate.\",\"sameAs\":[\"https:\\\/\\\/123credit.ro\\\/consultant?id=200&amp;nume=maria\"],\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/maria-marinescu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia - Blogul 123Credit","description":"Comision SHA \u2013 afl\u0103 ce \u00eenseamn\u0103, cum func\u021bioneaz\u0103 \u0219i c\u00e2nd este avantajos s\u0103 alegi aceast\u0103 op\u021biune pentru transferuri interna\u021bionale. Compar\u0103 SHA cu BEN \u0219i OUR pentru decizii financiare mai bune.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/comision-sha\/","og_locale":"ro_RO","og_type":"article","og_title":"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia - Blogul 123Credit","og_description":"Comision SHA \u2013 afl\u0103 ce \u00eenseamn\u0103, cum func\u021bioneaz\u0103 \u0219i c\u00e2nd este avantajos s\u0103 alegi aceast\u0103 op\u021biune pentru transferuri interna\u021bionale. Compar\u0103 SHA cu BEN \u0219i OUR pentru decizii financiare mai bune.","og_url":"https:\/\/123credit.ro\/blog\/comision-sha\/","og_site_name":"Blogul 123Credit","article_published_time":"2025-07-26T09:00:58+00:00","article_modified_time":"2025-07-28T14:47:30+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/07\/Propuneri-vizualuri-Blog-27.jpg","type":"image\/jpeg"}],"author":"Maria Marinescu","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Maria Marinescu","Timp estimat pentru citire":"9 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/comision-sha\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/comision-sha\/"},"author":{"name":"Maria Marinescu","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f"},"headline":"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia","datePublished":"2025-07-26T09:00:58+00:00","dateModified":"2025-07-28T14:47:30+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/comision-sha\/"},"wordCount":2515,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/comision-sha\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/07\/Propuneri-vizualuri-Blog-27.jpg","articleSection":["Stiri"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/comision-sha\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/comision-sha\/","url":"https:\/\/123credit.ro\/blog\/comision-sha\/","name":"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/comision-sha\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/comision-sha\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/07\/Propuneri-vizualuri-Blog-27.jpg","datePublished":"2025-07-26T09:00:58+00:00","dateModified":"2025-07-28T14:47:30+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f"},"description":"Comision SHA \u2013 afl\u0103 ce \u00eenseamn\u0103, cum func\u021bioneaz\u0103 \u0219i c\u00e2nd este avantajos s\u0103 alegi aceast\u0103 op\u021biune pentru transferuri interna\u021bionale. Compar\u0103 SHA cu BEN \u0219i OUR pentru decizii financiare mai bune.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/comision-sha\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/comision-sha\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/comision-sha\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/07\/Propuneri-vizualuri-Blog-27.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/07\/Propuneri-vizualuri-Blog-27.jpg","width":940,"height":788,"caption":"comision sha"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/comision-sha\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Comision SHA \u2013 ce este \u0219i cum func\u021bioneaz\u0103 c\u00e2nd trimi\u021bi bani din Rom\u00e2nia"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/bd477f7971741dc1277289fe9962f25f","name":"Maria Marinescu","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/maria-marinescu-96x96.jpg","caption":"Maria Marinescu"},"description":"Specialist in credite cu o experien\u021b\u0103 de peste 5 ani \u00een domeniul financiar-bancar si sute de dosare de credite intermediate. Ofer\u0103 servicii de consultan\u021b\u0103 clien\u021bilor care sunt \u00een c\u0103utarea unei finan\u021b\u0103ri, este al\u0103turi de clien\u021bi \u00een fiecare etap\u0103 a acestui proces, oferindu-le suportul \u0219i expertiza necesar\u0103 pentru a lua decizii \u00een\u021belepte \u0219i informate.","sameAs":["https:\/\/123credit.ro\/consultant?id=200&amp;nume=maria"],"url":"https:\/\/123credit.ro\/blog\/author\/maria-marinescu\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/3569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=3569"}],"version-history":[{"count":3,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/3569\/revisions"}],"predecessor-version":[{"id":3573,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/3569\/revisions\/3573"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/3572"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=3569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=3569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=3569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}