{"id":3736,"date":"2025-08-16T10:03:03","date_gmt":"2025-08-16T07:03:03","guid":{"rendered":"https:\/\/123credit.ro\/blog\/depozit-sau-cont-de-economii\/"},"modified":"2025-08-17T16:03:19","modified_gmt":"2025-08-17T13:03:19","slug":"depozit-sau-cont-de-economii","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/depozit-sau-cont-de-economii\/","title":{"rendered":"Depozit sau cont de economii: ce alegi c\u00e2nd vrei s\u0103 pui bani deoparte?"},"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><h1>Depozit sau cont de economii: ce alegi c\u00e2nd vrei s\u0103 pui bani deoparte?<\/h1>\n<p>\u201cDepozit sau cont de economii?\u201d e \u00eentrebarea pe care \u0219i-o pun mul\u021bi rom\u00e2ni atunci c\u00e2nd vor s\u0103-\u0219i pun\u0103 banii la ad\u0103post, dar nu \u0219tiu exact care op\u021biune le aduce cel mai mult avantaj.<\/p>\n<p>\u00centr-un context economic asemenea celui pe care-l parcurgem \u00een prezent, \u00een care infla\u021bia, incertitudinea \u0219i dob\u00e2nzile variabile sunt pe primele pagini ale ziarelor, alegerea instrumentului potrivit pentru economisire devine esen\u021bial\u0103.<\/p>\n<p>Acest articol explic\u0103 diferen\u021bele dintre cele dou\u0103 tipuri de produse bancare, c\u00e2nd s\u0103 le folose\u0219ti \u0219i ce trebuie s\u0103 iei \u00een calcul \u00eenainte de a decide.<\/p>\n<h2>Ce este un cont de economii<\/h2>\n<p>Un cont de economii este un produs bancar care \u00ee\u021bi permite s\u0103 economise\u0219ti bani, dar \u00een acela\u0219i timp s\u0103 ai acces la ei oric\u00e2nd. Este o variant\u0103 flexibil\u0103, f\u0103r\u0103 termen fix \u0219i f\u0103r\u0103 penaliz\u0103ri dac\u0103 vrei s\u0103 retragi sau s\u0103 adaugi bani oric\u00e2nd dore\u0219ti.<\/p>\n<p>Dob\u00e2nda este, de regul\u0103, variabil\u0103 \u0219i poate fi influen\u021bat\u0103 de politica b\u0103ncii sau de contextul economic. Chiar dac\u0103 nu ofer\u0103 cele mai mari randamente, contul de economii este ideal pentru cei care vor o combina\u021bie \u00eentre economisire \u0219i acces rapid la fonduri.<\/p>\n<p>De cele mai multe ori, \u00eel gestionezi u\u0219or prin aplica\u021bia de mobile banking \u0219i nu necesit\u0103 drumuri la banc\u0103.<\/p>\n<h2>Ce este un depozit bancar<\/h2>\n<p>Un depozit bancar este o sum\u0103 de bani pe care o blochezi la banc\u0103 pentru o perioad\u0103 fix\u0103 (1, 3, 6, 12 luni sau chiar mai mult), \u00een schimbul unei dob\u00e2nzi garantate. Spre deosebire de contul de economii, aici nu ai acces liber la bani: dac\u0103 retragi suma \u00eenainte de termen, pierzi dob\u00e2nda sau pl\u0103te\u0219ti penaliz\u0103ri.<\/p>\n<p>Avantajul principal este c\u0103 \u0219tii exact c\u00e2t vei c\u00e2\u0219tiga la finalul perioadei. Dob\u00e2nda este fix\u0103, stabilit\u0103 de la \u00eenceput, ceea ce face depozitul potrivit pentru cei care nu au nevoie de bani pe termen scurt \u0219i vor stabilitate.<\/p>\n<p>Este o op\u021biune preferat\u0103 de mul\u021bi pentru sume mai mari, pe care nu doresc s\u0103 le ri\u0219te \u00een investi\u021bii, dar vor totu\u0219i un randament predictibil.<\/p>\n<h2>C\u00e2nd alegi un cont de economii \u0219i c\u00e2nd un depozit?<\/h2>\n<p>Alegerea \u00eentre depozit sau cont de economii depinde \u00een primul r\u00e2nd de cum vrei s\u0103-\u021bi gestionezi banii \u0219i c\u00e2t de mult\u0103 flexibilitate ai nevoie.<\/p>\n<p>Uite c\u00e2teva situa\u021bii concrete:<\/p>\n<ul>\n<li><strong>Ai un fond de urgen\u021b\u0103<\/strong> Atunci un cont de economii e solu\u021bia ideal\u0103. Po\u021bi retrage bani oric\u00e2nd, f\u0103r\u0103 penaliz\u0103ri, \u0219i beneficiezi totu\u0219i de o dob\u00e2nd\u0103, chiar dac\u0103 mai mic\u0103.<\/li>\n<li><strong>Vrei s\u0103 pui bani deoparte pentru un obiectiv fix (ex. vacan\u021b\u0103, avans pentru ma\u0219in\u0103)<\/strong> Un depozit pe 6-12 luni te ajut\u0103 s\u0103 nu cheltui banii impulsiv \u0219i s\u0103 c\u00e2\u0219tigi o dob\u00e2nd\u0103 mai mare.<\/li>\n<li><strong>Ai venituri variabile \u0219i economise\u0219ti ocazional<\/strong> Atunci un cont de economii e mai potrivit, pentru c\u0103 po\u021bi ad\u0103uga bani oric\u00e2nd, f\u0103r\u0103 condi\u021bii speciale.<\/li>\n<li><strong>Economise\u0219ti o sum\u0103 mare \u0219i n-ai nevoie de ea \u00een urm\u0103toarele luni<\/strong> Depozitul bancar devine mai avantajos, mai ales dac\u0103 dob\u00e2nda fix\u0103 e competitiv\u0103 \u0219i dep\u0103\u0219e\u0219te rata infla\u021biei.<\/li>\n<\/ul>\n<h2>Cum influen\u021beaz\u0103 infla\u021bia aceste op\u021biuni?<\/h2>\n<p>Infla\u021bia este un factor esen\u021bial \u00een decizia dintre depozit sau cont de economii. Chiar dac\u0103 ambele produse ofer\u0103 dob\u00e2nd\u0103, aceasta poate fi erodat\u0103 rapid de o infla\u021bie ridicat\u0103.<\/p>\n<p>De exemplu, dac\u0103 dob\u00e2nda anual\u0103 la un depozit este 4%, dar infla\u021bia este 7%, \u00een termeni reali tu pierzi din valoarea banilor, chiar dac\u0103 prime\u0219ti o dob\u00e2nd\u0103 aparent atractiv\u0103.<\/p>\n<p>Un cont de economii cu dob\u00e2nd\u0103 variabil\u0103 se poate ajusta mai repede \u00een func\u021bie de pia\u021b\u0103, dar rareori va dep\u0103\u0219i infla\u021bia. Depozitele, fiind fixe, pot deveni mai pu\u021bin profitabile \u00eentr-un climat economic instabil.<\/p>\n<p>Pe scurt: niciuna dintre op\u021biuni nu e g\u00e2ndit\u0103 pentru protejarea total\u0103 \u00eempotriva infla\u021biei, dar pot fi utile \u00een strategia ta financiar\u0103 pe termen scurt sau mediu, ca un pas intermediar \u00eentre lichiditate \u0219i investi\u021bii.<\/p>\n<h2>Exemple actuale de dob\u00e2nzi din pia\u021b\u0103<\/h2>\n<p>Pentru a \u00een\u021belege mai bine diferen\u021bele dintre depozit sau cont de economii, e util s\u0103 compar\u0103m ofertele reale ale b\u0103ncilor din Rom\u00e2nia, valabile \u00een august 2025.<\/p>\n<h3>Dob\u00e2nzi la depozite (lei, persoane fizice)<\/h3>\n<ol>\n<li>CEC Bank ofer\u0103 dob\u00e2nd\u0103 de 6,10% p.a. pentru depozitele la termen de 5 luni constituite online.<\/li>\n<li>Raiffeisen Bank ofer\u0103 \u00eentre 5,20% \u0219i 5,70% p.a. pentru depozite \u00een lei pe 3 \u0219i 12 luni (cu bonus pentru clien\u021bii cu venit lunar \u00een banc\u0103).<\/li>\n<\/ol>\n<h3>Dob\u00e2nzi la conturi de economii (lei)<\/h3>\n<ol>\n<li>Raiffeisen Bank ofer\u0103 \u00een prezent o dob\u00e2nd\u0103 anual\u0103 fix\u0103 de 5% la contul de economii Super Acces Plus, disponibil exclusiv online prin aplica\u021bia Smart Mobile.<\/li>\n<li>Exim Banca Rom\u00e2neasc\u0103 \u2013 pentru contul de economii Flexibil o dob\u00e2nd\u0103 anual\u0103 de p\u00e2n\u0103 la 4% \u00een lei (3,5% pentru sume \u2264 50.000 lei \u0219i 4% pentru sume &gt; 50.000 lei), cu acces permanent la fonduri, sum\u0103 minim\u0103 de deschidere de 1.000 lei \u0219i un comision lunar de 5 lei.<\/li>\n<\/ol>\n<h2>Concluzie<\/h2>\n<p>At\u00e2t depozitele la termen, c\u00e2t \u0219i conturile de economii sunt instrumente valoroase de economisire, dar au scopuri diferite. Dac\u0103 vrei disciplin\u0103 \u0219i randament mai mare, mergi pe varianta unui depozit. Dac\u0103 vrei acces rapid la fonduri \u0219i flexibilitate, contul de economii e mai potrivit.<\/p>\n<p>Indiferent ce alegi, compar\u0103 mereu dob\u00e2nzile \u0219i comisioanele oferite de b\u0103nci. Iar dac\u0103 ai nevoie de un credit \u0219i nu \u0219tii cum te afecteaz\u0103 economiile existente, speciali\u0219tii 123Credit te pot ajuta cu o analiz\u0103 personalizat\u0103.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Pot avea at\u00e2t un cont de economii, c\u00e2t \u0219i un depozit bancar?<\/h3>\n<p>Da, po\u021bi deschide ambele tipuri de produse \u00een paralel, \u00een func\u021bie de nevoile tale financiare. Mul\u021bi clien\u021bi folosesc contul de economii pentru flexibilitate \u0219i depozitul pentru randamente mai bune.<\/p>\n<h3>2. Pot face retrageri dintr-un depozit bancar f\u0103r\u0103 penalizare?<\/h3>\n<p>\u00cen majoritatea cazurilor, nu. Dac\u0103 retragi banii \u00eenainte de termen, pierzi dob\u00e2nda acumulat\u0103. De aceea, e important s\u0103 alegi doar sumele pe care \u0219tii c\u0103 nu le vei folosi cur\u00e2nd.<\/p>\n<h3>3. Se pl\u0103te\u0219te impozit pe dob\u00e2nda c\u00e2\u0219tigat\u0103?<\/h3>\n<p>Da. At\u00e2t pentru conturile de economii, c\u00e2t \u0219i pentru depozite, dob\u00e2nda este impozitat\u0103 cu 10% \u00een Rom\u00e2nia. Banca re\u021bine automat acest impozit.<\/p>\n<h3>4. Care op\u021biune este mai sigur\u0103: depozit sau cont de economii?<\/h3>\n<p>Ambele sunt la fel de sigure, fiind garantate \u00een limita a 100.000 euro de Fondul de Garantare a Depozitelor Bancare. Riscul e practic inexistent dac\u0103 economise\u0219ti \u00een aceste limite.<\/p>\n<h3>5. Cum pot alege \u00eentre un cont de economii \u0219i un depozit?<\/h3>\n<p>Dac\u0103 ai nevoie de acces rapid la bani, alege un cont de economii. Dac\u0103 vrei s\u0103 economise\u0219ti o sum\u0103 fix\u0103 pe termen stabilit \u0219i s\u0103 ob\u021bii o dob\u00e2nd\u0103 mai mare, mergi pe depozit.<\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 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-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-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\" 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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\" 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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 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>Depozit sau cont de economii: ce alegi c\u00e2nd vrei s\u0103 pui bani deoparte? \u201cDepozit sau cont de economii?\u201d e \u00eentrebarea pe care \u0219i-o pun mul\u021bi rom\u00e2ni atunci c\u00e2nd vor s\u0103-\u0219i pun\u0103 banii la ad\u0103post, dar nu \u0219tiu exact care op\u021biune le aduce cel mai mult avantaj. \u00centr-un context economic asemenea celui pe care-l parcurgem \u00een prezent, \u00een care infla\u021bia, incertitudinea  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":3721,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-3736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Depozit sau cont de economii: ce alegi c\u00e2nd vrei s\u0103 pui bani deoparte? - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Depozit sau cont de economii? 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