{"id":3675,"date":"2025-08-04T12:00:52","date_gmt":"2025-08-04T09:00:52","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3675"},"modified":"2025-08-05T14:12:34","modified_gmt":"2025-08-05T11:12:34","slug":"codul-swift","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/codul-swift\/","title":{"rendered":"Codul SWIFT: unde \u00eel g\u0103se\u0219ti \u0219i cum \u00eel folose\u0219ti corect"},"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-blend:overlay;--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>Dac\u0103 trebuie s\u0103 faci un transfer interna\u021bional sau s\u0103 prime\u0219ti bani din str\u0103in\u0103tate, probabil ai auzit de conceptul <b><\/b><a href=\"https:\/\/www.google.com\/url?q=https:\/\/123credit.ro\/blog\/ore-procesare-plati-interbancare-in-romania\/&amp;sa=D&amp;source=docs&amp;ust=1754389598350402&amp;usg=AOvVaw37_U_Xmf6RP-Vkp9aoi0Fw\"><b style=\"color: var(--awb-color5);\">cod SWIFT<\/b> <\/a>(sau BIC). \u00cens\u0103 \u00eentrebarea este: <b>unde g\u0103sesc codul SWIFT<\/b> al b\u0103ncii tale sau al b\u0103ncii destinatarului? Acest articol \u00ee\u0219i propune s\u0103 r\u0103spund\u0103 clar \u0219i aprofundat la aceast\u0103 \u00eentrebare, oferind explica\u021bii despre importan\u021ba codului SWIFT, modalit\u0103\u021bi rapide de identificare, pa\u0219i pentru a-l g\u0103si online sau la banc\u0103, \u0219i sfaturi practice pentru orice persoan\u0103 care nu este familiarizat\u0103 cu terminologia bancar\u0103 interna\u021bional\u0103.<\/p>\n<p>Vom trece prin diferite scenarii: client persoane fizice sau firm\u0103, transferuri bancare online, <span style=\"color: var(--awb-color5);\"><a href=\"https:\/\/123credit.ro\/blog\/tot-ce-trebuie-s-tii-despre-digital-banking-servicii-incluse-variante-i-beneficii\/\"><b style=\"color: #008c2a;\">aplica\u021bii mobile <\/b><\/a><\/span>\u0219i rela\u021bionare direct\u0103 cu banca. \u00cen plus, vom oferi sfaturi pentru evitarea erorilor frecvente, consecin\u021bele unui cod SWIFT incorect \u0219i alternative moderne.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce este codul SWIFT \u0219i de ce ai nevoie de el<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un cod SWIFT, cunoscut \u0219i sub denumirea BIC (Business Identifier Code), este un cod unic care identific\u0103 o banc\u0103 \u00eentr-un sistem de pl\u0103\u021bi interna\u021bional. Este esen\u021bial pentru transferuri bancare \u00een zone non-SEPA sau pentru pl\u0103\u021bi \u00een valut\u0103. \u00cen Rom\u00e2nia, codurile SWIFT sunt folosite de majoritatea b\u0103ncilor atunci c\u00e2nd sunt efectuate tranzac\u021bii \u00een USD, GBP, CHF sau alte valute. Far\u0103 codul SWIFT, transferul intern\u021bione poate e\u0219ua sau \u00eent\u00e2rzie considerabil.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Unde g\u0103sesc codul SWIFT \u2013 op\u021biunile principale<\/b><\/h2>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>1. \u00cen aplica\u021bia mobil\u0103 a b\u0103ncii<\/b><\/h3>\n<p>Dac\u0103 folose\u0219ti aplica\u021bia oficial\u0103 a b\u0103ncii (de exemplu<span style=\"color: #141617;\"><b style=\"color: var(--awb-color5);\"><a style=\"color: var(--awb-color5);\" href=\"https:\/\/www.bancatransilvania.ro\/login-internet-banking\"> BT24<\/a><\/b><\/span>, <span style=\"color: var(--awb-color5);\"><a href=\"https:\/\/www.bcr.ro\/ro\/persoane-fizice\/digital-banking\/george\"><b style=\"color: var(--awb-color5);\">George<\/b><\/a><\/span>, <b><a style=\"color: var(--awb-color5);\" href=\"https:\/\/www.homebank.ro\/hb\/hb\/\">ING Home\u2019Bank<\/a><span style=\"color: var(--awb-color5);\">,<\/span><\/b> <a href=\"https:\/\/bank.raiffeisen.ro\/ro\/deschide-cont-online\/home.html?utm_campaign=DCA_CA_ContCurent_AO_PMAX-Leads-Google&amp;utm_source=google&amp;utm_medium=paid&amp;gad_source=1&amp;gad_campaignid=21656954307&amp;gbraid=0AAAAADh39T386uZK4HDVxOX2BcykTxWIn&amp;gclid=Cj0KCQjw18bEBhCBARIsAKuAFEao8ehISrARk22Y1VRY-dafvzforHBGOLDCUvWWteR_l1QpeHKIGwoaAh8BEALw_wcB&amp;gclsrc=aw.ds\"><b style=\"color: var(--awb-color5);\">Raiffeisen Smart Mobile<\/b><\/a>), codul SWIFT este afi\u0219at, de obicei, \u00een sec\u021biunea <b>detalii cont<\/b><span style=\"font-weight: 400;\"> sau <\/span><b>info cont<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pas cu pas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deschide aplica\u021bia;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acceseaz\u0103 sec\u021biunea Cont curent sau cont \u00een valut\u0103;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intr\u0103 \u00een detalii sau informa\u021bii bancare;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vezi codul SWIFT\/BIC listat clar.<\/span><\/li>\n<\/ul>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. \u00cen internet banking<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Majoritatea platformelor online ale b\u0103ncilor afi\u0219eaz\u0103 codul SWIFT \u00eentr-un meniu asemeni aplica\u021biei mobile. Verific\u0103 rubrici precum <\/span><i><span style=\"font-weight: 400;\">Detalii cont<\/span><\/i><span style=\"font-weight: 400;\">, <\/span><i><span style=\"font-weight: 400;\">Informa\u021bii bancare<\/span><\/i><span style=\"font-weight: 400;\"> sau <\/span><i><span style=\"font-weight: 400;\">Date cont<\/span><\/i><span style=\"font-weight: 400;\">. Codul este vizibil chiar dac\u0103 ai deschis cont \u00een lei sau valut\u0103.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. Pe site-ul oficial al b\u0103ncii<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Codurile SWIFT sunt listate pe pagini dedicate, cum ar fi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sec\u021biunea <\/span><i><span style=\"font-weight: 400;\">Informa\u021bii utile<\/span><\/i><span style=\"font-weight: 400;\"> sau <\/span><i><span style=\"font-weight: 400;\">Transferuri interna\u021bionale<\/span><\/i><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unele b\u0103nci au pagin\u0103 separat\u0103 \u201eCod SWIFT \/ BIC\u201d.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Po\u021bi g\u0103si codul acces\u00e2nd site-ul b\u0103ncii \u0219i c\u0103ut\u00e2nd cuv\u00e2ntul \u201eSWIFT\u201d.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>4. La sucursal\u0103 sau la rela\u021bii clien\u021bi<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dac\u0103 nu ai acces la internet banking sau aplica\u021bie, po\u021bi suna la serviciul clien\u021bi sau merge la banc\u0103 cu:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">buletin\/CI;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cerere verbal\u0103\/\u00een scris de furnizare cod SWIFT;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">codul \u00ee\u021bi poate fi transmis \u00een c\u00e2teva minute.<\/span><\/li>\n<\/ul>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>5. Pe extrasul de cont sau documentele oficiale<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Unele documente bancare, cum ar fi extrasele standard sau contractele ini\u021biale de cont, includ codul SWIFT. Verific\u0103 documentele primite la deschiderea contului.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cod SWIFT vs IBAN \u2013 diferen\u021bele \u0219i cum le folose\u0219ti<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Codul SWIFT identific\u0103 institu\u021bia bancar\u0103 interna\u021bional, \u00een timp ce IBAN identific\u0103 contul specific \u00eentr-o anumit\u0103 \u021bar\u0103. Pentru transferuri interna\u021bionale sunt necesare ambele:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IBAN: contul specific al destinatarului;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SWIFT\/BIC: banca \u0219i sucursala destinatarului.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nu le confunda: f\u0103r\u0103 SWIFT, banca destinatar\u0103 nu poate procesa corect tranzac\u021bia.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Exemple de coduri SWIFT \u00een Rom\u00e2nia<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Mai multe b\u0103nci au coduri biencunoscute:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banca Transilvania: <\/span><b>BTRLRO22<\/b><b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BCR: <\/span><b>RNCBROBU<\/b><b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BRD: <\/span><b>BRDEROBU<\/b><b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Raiffeisen: <\/span><b>RZBRROBU<\/b><b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ING Bank: <\/span><b>INGBROBU<\/b><b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CEC Bank: <\/span><b>CECROBU<\/b><b><br \/>\n<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alpha Bank: <\/span><b>ABRERO22<\/b><b><br \/>\n<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Aceste coduri sunt standard \u0219i se pot verifica pe site-ul oficial sau \u00een aplica\u021bie.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 introduci cod SWIFT gre\u0219it<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un cod SWIFT incorect poate duce la:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">e\u0219ecul transferului \u0219i returnarea banilor;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00eent\u00e2rzieri semnificative (zile sau s\u0103pt\u0103m\u00e2ni);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">comisioane suplimentare pentru intermediere manual\u0103;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cost suplimentar pentru pl\u0103\u021bi de urgen\u021b\u0103.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Este esen\u021bial s\u0103 verifici codul \u00eenainte de a confirma tranzac\u021bia.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cazuri speciale \u0219i solu\u021bii moderne<\/b><\/h2>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Transferuri prin fintech (Wise, Revolut, TransferGo)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Aceste platforme folosesc cod SWIFT al contului virtual \u0219i ofer\u0103 interfa\u021b\u0103 clar\u0103 unde codul este afi\u0219at automat. Nu trebuie s\u0103-l cuno\u0219ti manual \u2013 \u00eel prime\u0219ti direct.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Transferuri SEPA (euro \u00een UE)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen zona SEPA codul SWIFT nu mai e necesar \u2014 se folose\u0219te doar IBAN. B\u0103ncile interne din UE verific\u0103 codul intern. Verific\u0103 dac\u0103 tranzac\u021bia este certificat SEPA &#8211; atunci nu mai ai nevoie de cod SWIFT.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum afli cod SWIFT al altei b\u0103nci (destinatar)<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pentru a primi bani, ai nevoie de cod SWIFT BIC al b\u0103ncii destinatarului:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">comunic\u0103-l direct destinatarului;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">po\u021bi c\u0103uta codul pe site-ul b\u0103ncii destinatare (majoritatea au pagin\u0103 de informa\u021bii);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">destinatarul \u00eel poate g\u0103si \u00een aplica\u021bie, internet banking sau contract cont.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Asigur\u0103-te c\u0103 datele sunt identice pe ambele partea de transfer.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Pa\u0219i recomandati: unde g\u0103sesc codul SWIFT \u2013 checklist<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verific\u0103 aplica\u021bia mobil\u0103 sau internet banking pentru contul t\u0103u.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 nu ai, caut\u0103 pe site-ul b\u0103ncii site pagina \u201ecod SWIFT\u201d sau \u201etransfer interna\u021bional\u201d.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contacteaz\u0103 telefonic serviciul clien\u021bi pentru trimis cod via e-mail.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Utilizeaz\u0103 fintech dac\u0103 vrei simplitate, f\u0103r\u0103 grija codului.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pentru destinatar extern, cere codul \u0219i verific\u0103 recuren\u021bele pe site oficial.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Sfaturi practice<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm\u0103 exact codul furnizat \u2014 verific\u0103 literele mari \u0219i formatul exact (8 sau 11 caractere).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Copiaz\u0103 direct din surs\u0103 oficial\u0103 \u2014 evit\u0103 tastarea manual\u0103 riscant\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Re\u021bine c\u0103 codul SWIFT indic\u0103 banca; dac\u0103 contul destinatarului este \u00eentr-o sucursal\u0103 specific\u0103, sunt uneori 11 caractere.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 faci mul\u021bi transferuri interna\u021bionale, salveaz\u0103 codurile \u00een jurnal digital securizat.<\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<p><b>1. Unde g\u0103sesc codul SWIFT al b\u0103ncii mele?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u00cen aplica\u021bia bancar\u0103 sau \u00een internet banking, \u00een sec\u021biunea detalii cont.<\/span><\/p>\n<p><b>2. Am destina\u021bionar \u00een alt\u0103 \u021bar\u0103 \u2013 unde g\u0103sesc codul SWIFT?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Destinatarul \u00eel g\u0103se\u0219te \u00een aplica\u021bia propriei b\u0103nci sau pe site-ul oficial \u0219i \u00eel poate transmite.<\/span><\/p>\n<p><b>3. Exist\u0103 diferen\u021b\u0103 \u00eentre SWIFT de 8 \u0219i de 11 caractere?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Da: primele 8 identific\u0103 banca, ultimele 3 identific\u0103 sucursala specific\u0103. Dac\u0103 lipsesc, se utilizeaz\u0103 cod general.<\/span><\/p>\n<p><b>4. Se renun\u021b\u0103 la SWIFT dac\u0103 tranzac\u021bionezi \u00een UE?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Pentru pl\u0103\u021bile SEPA \u00een euro, codul SWIFT nu mai este necesar; se folose\u0219te doar IBAN.<\/span><\/p>\n<p><b>5. Pot folosi cod SWIFT la transferuri \u00een lei?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Doar dac\u0103 transferi \u00een valut\u0103 interna\u021bional\u0103. Pentru pl\u0103\u021bi \u00een lei (\u00een Rom\u00e2nia), nu folose\u0219ti codul SWIFT.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p>Codul SWIFT este esen\u021bial pentru orice transfer interna\u021bional de bani. Indiferent dac\u0103 trimi\u021bi sau prime\u0219ti fonduri, este important s\u0103 \u0219tii exact unde g\u0103se\u0219ti acest cod \u0219i cum \u00eel folose\u0219ti corect. Aplica\u021biile bancare, platformele de internet banking, site-urile oficiale sau chiar o vizit\u0103 la banc\u0103 \u00ee\u021bi pot oferi rapid aceast\u0103 informa\u021bie. Verific\u0103 de fiecare dat\u0103 exactitatea codului pentru a evita \u00eent\u00e2rzieri sau comisioane suplimentare. Un cod corect \u00eenseamn\u0103 un transfer sigur \u0219i f\u0103r\u0103 complica\u021bii.<\/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\" 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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\" 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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) 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(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\" 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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 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