{"id":3777,"date":"2025-08-26T10:46:15","date_gmt":"2025-08-26T07:46:15","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3777"},"modified":"2025-08-27T16:45:29","modified_gmt":"2025-08-27T13:45:29","slug":"cont-de-economii-pentru-copii","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/cont-de-economii-pentru-copii\/","title":{"rendered":"Cont de economii pentru copii: planific\u0103 pentru viitorul lor, ast\u0103zi"},"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\"> 8<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><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><span style=\"font-weight: 400;\">C\u00e2nd te g\u00e2nde\u0219ti la viitorul copilului t\u0103u, ce \u00ee\u021bi vine \u00een minte? Educa\u021bie, s\u0103n\u0103tate, o cas\u0103 confortabil\u0103? Toate acestea necesit\u0103 resurse financiare, iar o metod\u0103 eficient\u0103 de a te preg\u0103ti pentru aceste cheltuieli este deschiderea unui <\/span><b>cont de economii pentru copii<\/b><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Afla tot ce trebuie s\u0103 \u0219tii despre aceste conturi: ce sunt, cum le po\u021bi face, pe ce nume trebuie s\u0103 fie, cine trebuie s\u0103 fie titular \u0219i ce condi\u021bii trebuie s\u0103 \u00eendepline\u0219ti. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen plus, vei descoperi dac\u0103 exist\u0103 perioade limit\u0103 pentru aceste conturi \u0219i alte detalii practice de care trebuie s\u0103 \u021bii cont pentru a-\u021bi asigura un viitor sigur pentru copilul t\u0103u.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce este, de fapt, un cont de economii pentru copii?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un <\/span><b>cont de economii pentru copii<\/b><span style=\"font-weight: 400;\"> este un instrument financiar special creat pentru a economisi bani \u00een scopul de a asigura un viitor mai bun pentru micu\u021bul t\u0103u. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ca \u0219i la orice produs de economisire, ac\u021biunea si decizia de economisire necesita o planificare, ca \u0219i \u00een cazul inten\u021biei de a<span style=\"color: var(--awb-color5);\"> <\/span><\/span><a href=\"https:\/\/123credit.ro\/blog\/cum-te-ajuta-planificarea-bugetului-inainte-de-a-lua-un-credit\/\"><b style=\"color: var(--awb-color5);\">ob\u021bine un credit<\/b><\/a><span style=\"font-weight: 400; color: var(--awb-color5);\">.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acest tip de cont poate fi deschis at\u00e2t la o banc\u0103, c\u00e2t \u0219i la alte institu\u021bii financiare, \u0219i are ca scop principal acumularea de resurse pe termen lung, cu beneficii fiscale \u0219i, uneori, cu dob\u00e2nzi preferen\u021biale. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cen esen\u021b\u0103, <\/span><b>contul de economii pentru copii<\/b><span style=\"font-weight: 400;\"> func\u021bioneaz\u0103 ca un instrument de planificare financiar\u0103, pentru a acoperi cheltuieli majore precum studiile universitare, achizi\u021bia unui apartament sau chiar o sum\u0103 de rezerv\u0103 \u00een caz de urgen\u021b\u0103.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ce \u00eel face diferit de un cont curent obi\u0219nuit? \u00cen primul r\u00e2nd, are condi\u021bii speciale de depozitare, beneficii fiscale \u0219i, uneori, posibilitatea de a primi ajutoare sau subven\u021bii din partea statului sau a unor programe dedicate.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>G\u00e2nde\u0219te pe termen lung: \u201eThink of the future\u201d<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Atunci c\u00e2nd deschizi un cont economii copii, nu faci doar o simpl\u0103 investi\u021bie financiar\u0103. Faci un pas concret spre a-i construi un viitor sigur \u0219i prosper. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen via\u021ba fiec\u0103rei familii, momentul \u00een care \u00eencepi s\u0103 economise\u0219ti pentru copil reprezint\u0103 o decizie strategic\u0103, menit s\u0103 \u00eei asigure resurse pentru cele mai importante etape ale vie\u021bii sale. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De aceea, conceptul de \u201ethink of the future\u201d este fundamental &#8211; adic\u0103, s\u0103 g\u00e2nde\u0219ti din timp, cu responsabilitate \u0219i planificare, la ceea ce urmeaz\u0103 s\u0103 fie nevoie pentru copilul t\u0103u.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>De ce s\u0103 g\u00e2nde\u0219ti la viitor \u00eenc\u0103 de acum?<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Timpul trece repede, iar cheltuielile legate de educa\u021bie, s\u0103n\u0103tate sau chiar achizi\u021bia unei locuin\u021be pot p\u0103rea departe, dar \u00een realitate, se apropie cu pa\u0219i repezi. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 \u00eencepi s\u0103 economise\u0219ti din timp, vei avea \u0219ansa s\u0103 acumulezi o sum\u0103 important\u0103, f\u0103r\u0103 a-\u021bi pune \u00een pericol bugetul de zi cu zi. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cen plus, cu c\u00e2t \u00eencepi mai devreme, cu at\u00e2t dob\u00e2nda compus\u0103 va lucra \u00een avantajul t\u0103u, iar suma final\u0103 va fi semnificativ mai mare. Un cont economii copii este un dar pentru viitor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Educa\u021bie universitar\u0103 sau formare profesional\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Achizi\u021bia unui apartament sau a unui teren.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deschiderea unui business pentru copilul t\u0103u \u00een viitor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cheltuieli medicale sau alte urgen\u021be.<\/span><\/li>\n<\/ul>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum se face un cont de economii pentru copii?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Procesul de deschidere a unui <\/span><b>cont de economii pentru copii<\/b><span style=\"font-weight: 400;\"> este simplu, dar trebuie s\u0103 fii atent la c\u00e2teva detalii importante:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Alege banca sau institu\u021bia financiar\u0103<\/b><span style=\"font-weight: 400;\">: nu toate ofer\u0103 acest tip de cont, a\u0219a c\u0103 verific\u0103 oferta \u0219i condi\u021biile fiec\u0103rei b\u0103nci.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Verific\u0103 condi\u021biile de deschidere<\/b><span style=\"font-weight: 400;\">: de obicei, ai nevoie de actul de identitate al copilului \u0219i al\/tutorelui legal, precum \u0219i de actele de proprietate sau alte documente justificative.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Decide pe ce nume se face contul<\/b><span style=\"font-weight: 400;\">: de regul\u0103, pe numele copilului, dar poate fi \u0219i pe numele p\u0103rintelui sau tutorelui, dac\u0103 se face ca un cont de economii pentru copil.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Completeaz\u0103 formularul de deschidere<\/b><span style=\"font-weight: 400;\"> \u0219i semneaz\u0103 contractul, dup\u0103 ce cite\u0219ti cu aten\u021bie condi\u021biile, dob\u00e2nzile \u0219i penalit\u0103\u021bile.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Depune prima sum\u0103<\/b><span style=\"font-weight: 400;\"> \u2013 de obicei, exist\u0103 un plafon minim, dar unele b\u0103nci permit \u0219i sume mici, pentru \u00eencep\u0103tori.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Stabile\u0219te perioada de economisire<\/b><span style=\"font-weight: 400;\"> \u0219i eventuale condi\u021bii speciale, precum contribu\u021bii regulate lunare sau trimestriale.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00cen general, <\/span><b>contul de economii pentru copii<\/b><span style=\"font-weight: 400;\"> poate fi alimentat oric\u00e2nd, iar tu po\u021bi seta \u0219i contribu\u021bii automate pentru a pl\u0103ti lunar o sum\u0103 fix\u0103.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cine trebuie s\u0103 fie numit titularul acestui cont?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">De regul\u0103, <\/span><b>contul de economii pentru copii<\/b><span style=\"font-weight: 400;\"> se deschide pe numele copilului, fiind titularul legal. \u00cen cazul \u00een care copilul are sub 18 ani, p\u0103rintele sau tutorele legal devine reprezentantul \u0219i poate face depuneri, retrageri sau alte opera\u021biuni \u00een numele copilului.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exist\u0103 \u0219i variante \u00een care p\u0103rintele sau tutorele devine singurul titular, iar copilul devine beneficiar, dar aceast\u0103 situa\u021bie este mai rar \u00eent\u00e2lnit\u0103. \u00cen orice caz, este important s\u0103 \u0219tii cine are dreptul legal de a gestiona contul \u0219i s\u0103 te asiguri c\u0103 toate opera\u021biunile sunt f\u0103cute \u00een interesul copilului.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce condi\u021bii trebuie s\u0103 \u00eendepline\u0219ti pentru a deschide un cont?<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00e2rsta copilului<\/b><span style=\"font-weight: 400;\">: majoritatea b\u0103ncilor permit deschiderea contului de la na\u0219tere p\u00e2n\u0103 la 18 ani.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Acte necesare<\/b><span style=\"font-weight: 400;\">: actul de identitate al copilului (certificat de na\u0219tere sau buletin), actul de identitate al p\u0103rintelui\/tutorelui \u0219i, uneori, documente justificative legate de domiciliu sau proprietate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Depozitul ini\u021bial<\/b><span style=\"font-weight: 400;\">: suma de start, care variaz\u0103 \u00een func\u021bie de banc\u0103, de la c\u00e2teva zeci la c\u00e2teva sute de lei.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Contribu\u021bii regulate<\/b><span style=\"font-weight: 400;\">: dac\u0103 vrei s\u0103 beneficiezi de avantajele fiscale sau de dob\u00e2nzi mai bune, trebuie s\u0103 faci contribu\u021bii periodice, conform contractului.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Perioada de economisire<\/b><span style=\"font-weight: 400;\">: nu exist\u0103 o limit\u0103 strict\u0103, dar unele b\u0103nci pot impune perioade minime sau maxime de p\u0103strare a fondurilor.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Este recomandat s\u0103 verifici condi\u021biile exacte ale fiec\u0103rei b\u0103nci, pentru a te asigura c\u0103 alegi cea mai potrivit\u0103 variant\u0103 pentru tine \u0219i copilul t\u0103u. Po\u1e6di apela \u0219i la o consultanta mai precis\u0103 prin intermediul nostru, <\/span><a href=\"https:\/\/123credit.ro\/contact\"><b style=\"color: var(--awb-color5);\">scrie-ne<\/b><\/a><span style=\"font-weight: 400;\"> \u0219i te vom contacta!<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Exist\u0103 vreo perioad\u0103 limit\u0103 pentru contribu\u021biile \u00een contul economii copii?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">De regul\u0103, nu exist\u0103 o perioad\u0103 limit\u0103 pentru p\u0103strarea fondurilor \u00een <\/span><b>contul de economii pentru copii<\/b><span style=\"font-weight: 400;\">. Po\u021bi face depuneri \u0219i retrageri oric\u00e2nd, \u00een func\u021bie de nevoi \u0219i de planurile tale financiare. Totu\u0219i, pentru a beneficia de anumite avantaje fiscale sau dob\u00e2nzi preferen\u021biale, unele b\u0103nci pot cere p\u0103strarea fondurilor pentru o anumit\u0103 perioad\u0103 de timp, de exemplu 3 sau 5 ani.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De asemenea, dac\u0103 ai un contract pe termen lung, este recomandat s\u0103 stabile\u0219ti contribu\u021bii regulate, astfel \u00eenc\u00e2t s\u0103 asiguri o cre\u0219tere constant\u0103 a economiilor pentru copilul t\u0103u, f\u0103r\u0103 a te limita de perioade de timp.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Exist\u0103 riscuri sau limit\u0103ri \u00een utilizarea unui cont economii copii?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Riscurile sunt minime dac\u0103 alegi o banc\u0103 sau o institu\u021bie financiar\u0103 de \u00eencredere. Totu\u0219i, trebuie s\u0103 fii atent la:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Penalit\u0103\u021bile pentru retragere anticipat\u0103, dac\u0103 contractul impune o perioad\u0103 minim\u0103 de p\u0103strare.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fluctua\u021biile dob\u00e2nzilor, dac\u0103 acestea sunt variabile \u0219i depind de condi\u021biile pie\u021bei.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comisioanele de administrare sau alte taxe, care pot reduce randamentul economiilor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Perioadele de inactivitate, dac\u0103 nu contribui regulat, fondurile pot fi limitate sau chiar anulate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">De aceea, este recomandat s\u0103 cite\u0219ti cu aten\u021bie contractul \u0219i s\u0103 alegi un produs adaptat nevoilor tale \u0219i ale copilului t\u0103u.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un <\/span><b>cont de economii pentru copii<\/b><span style=\"font-weight: 400;\"> este un instrument valoros pentru oricine vrea s\u0103 g\u00e2ndeasc\u0103 \u00een perspectiv\u0103 \u0219i s\u0103 asigure un viitor sigur pentru micu\u021bul s\u0103u. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Prin contribu\u021bii regulate, alegerea unui produs flexibil \u0219i informarea asupra condi\u021biilor \u0219i perioadelor de p\u0103strare, po\u021bi construi o rezerv\u0103 financiar\u0103 consistent\u0103, gata s\u0103 fie utilizat\u0103 \u00een momentele cele mai importante ale vie\u021bii copilului t\u0103u. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nu am\u00e2na planificarea, pentru c\u0103 timpul trece rapid, iar un mic efort ast\u0103zi poate face diferen\u021ba pentru succesul \u0219i confortul lor de m\u00e2ine.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>1. Ce \u00eenseamn\u0103, de fapt, un cont de economii pentru copii?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Este un cont special pentru a economisi bani \u00een scopul de a asigura resurse pentru educa\u021bie, s\u0103n\u0103tate sau alte cheltuieli importante ale copilului t\u0103u, pe termen lung.<\/span><\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. Pot deschide un astfel de cont pentru copilul meu chiar dac\u0103 are sub 18 ani?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da, majoritatea b\u0103ncilor permit deschiderea unui <\/span><b>cont economii copii<\/b><span style=\"font-weight: 400;\"> de la na\u0219tere p\u00e2n\u0103 la majorat, fiind \u00een numele copilului, cu reprezentant legal.<\/span><\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. Pot face contribu\u021bii lunare sau periodice?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Absolut. \u00cen majoritatea cazurilor, po\u021bi seta contribu\u021bii automate, pentru a economisi constant \u0219i a beneficia de dob\u00e2nzi \u0219i avantaje fiscale.<\/span><\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>4. Exist\u0103 o perioad\u0103 minim\u0103 pentru p\u0103strarea fondurilor \u00een cont?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Unele b\u0103nci pot cere o perioad\u0103 minim\u0103 de p\u0103strare, dar \u00een general, po\u021bi retrage banii oric\u00e2nd, dac\u0103 nu ai contract cu penaliz\u0103ri speciale.<\/span><\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>5. Ce beneficii fiscale pot avea dac\u0103 economisesc \u00een contul copilului?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen unele situa\u021bii, po\u021bi beneficia de scutiri sau reduceri de taxe, iar dob\u00e2nzile pot fi impozitate mai redus sau chiar scutite, \u00een func\u021bie de legisla\u021bie \u0219i de condi\u021biile b\u0103ncii.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><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 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rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":15,"featured_media":3780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-3777","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>Cont de economii pentru copii: planific\u0103 pentru viitorul lor, ast\u0103zi - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Planific\u0103 pentru viitorul copilului t\u0103u cu un cont economii copii: beneficii, condi\u021bii, perioade \u0219i sfaturi pentru economii eficiente \u0219i sigure.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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