{"id":3949,"date":"2025-09-30T14:44:04","date_gmt":"2025-09-30T11:44:04","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3949"},"modified":"2025-09-30T14:44:54","modified_gmt":"2025-09-30T11:44:54","slug":"editorial-fraudele-online-in-romania","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/editorial-fraudele-online-in-romania\/","title":{"rendered":"Editorial: Fraudele online \u00een Rom\u00e2nia"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 15<\/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\"><h2><span style=\"background-color: rgba(255, 255, 255, 0); letter-spacing: 0.24px;\">Fraudele online \u00een Rom\u00e2nia: cum func\u021bioneaz\u0103 \u0219i cum te po\u021bi proteja<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tr\u0103im \u00eentr-o er\u0103 \u00een care tehnologia ne aduce la un click distan\u021b\u0103 de orice: pl\u0103\u021bi rapide, cump\u0103r\u0103turi din confortul propriei locuin\u021be, investi\u021bii instant sau credite accesate \u00een c\u00e2teva minute. Dar, odat\u0103 cu aceste beneficii, vine \u0219i o responsabilitate esen\u021bial\u0103: protejarea propriilor date \u0219i a banilor \u00een mediul online.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pl\u0103\u021bile digitale au devenit o rutin\u0103 zilnic\u0103 \u2013 fie c\u0103 vorbim despre transferuri bancare, cump\u0103r\u0103turi cu cardul sau autentific\u0103ri \u00een aplica\u021bii financiare. \u00cen acela\u0219i timp, aceast\u0103 expunere digital\u0103 atrage aten\u021bia infractorilor cibernetici, care \u00ee\u0219i perfec\u021bioneaz\u0103 metodele de fraud\u0103 de la o zi la alta. Totul poate p\u0103rea sigur p\u00e2n\u0103 \u00eentr-un moment \u00een care, printr-un singur click gre\u0219it, conturile tale pot fi golite sau identitatea ta folosit\u0103 \u00een mod abuziv.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rom\u00e2nii au devenit tot mai expu\u0219i la \u00een\u0219el\u0103ciuni care folosesc tehnici bine g\u00e2ndite, mesaje conving\u0103toare \u0219i platforme false. De aceea, educa\u021bia digital\u0103 \u0219i vigilen\u021ba sunt cele mai puternice arme \u00eempotriva fraudelor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Iat\u0103 c\u00e2teva din cele mai frecvente metode fraud\u0103 online \u00eent\u00e2lnite \u00een Rom\u00e2nia, explicate \u00een detaliu, al\u0103turi de exemple reale, pentru ca tu s\u0103 \u0219tii exact ce s\u0103 evi\u021bi \u0219i cum s\u0103 te protejezi.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">1. Phishing \u2013 c\u00e2nd prime\u0219ti un mesaj fals care cere date sensibile<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Phishing-ul este o metod\u0103 prin care atacatorii se dau drept o institu\u021bie sau companie cunoscut\u0103, pentru a p\u0103c\u0103li oamenii s\u0103-\u0219i divulge informa\u021biile personale: date de autentificare, PIN-uri, CNP sau detalii despre carduri bancare.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Victima prime\u0219te un e-mail sau SMS aparent oficial, care con\u021bine un mesaj de tipul \u201eContul t\u0103u a fost blocat\u201d sau \u201eTrebuie s\u0103 confirmi o tranzac\u021bie\u201d.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mesajul include un link c\u0103tre un site care imit\u0103 perfect pagina real\u0103 a institu\u021biei.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Utilizatorul introduce datele cerute, care ajung direct la atacatori.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00cen 2024, mii de rom\u00e2ni au primit mesaje SMS pretinz\u00e2nd c\u0103 sunt de la ANAF, \u00een care li se cerea s\u0103 acceseze un link pentru actualizarea datelor fiscale. Site-ul era o clon\u0103 a portalului ANAF \u0219i fura datele cardurilor.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><span style=\"font-weight: 400;\">\u00cen\u0219el\u0103toria cu \u201ePoli\u021bia\u201d \u0219i \u201eBanca Na\u021bional\u0103\u201d<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen martie 2024, o <\/span><a href=\"https:\/\/www.digi24.ro\/stiri\/actualitate\/social\/cum-functioneaza-o-schema-complexa-de-inselatorie-care-implica-imaginea-politiei-si-a-bancii-nationale-a-romaniei-3085663\"><span style=\"color: var(--awb-color5);\"><b>campanie de phishing<\/b><\/span><\/a><span style=\"font-weight: 400;\"> extrem de elaborat\u0103 a ajuns \u00een aten\u021bia publicului, dup\u0103 ce mai mul\u021bi rom\u00e2ni au fost contacta\u021bi prin e-mailuri care p\u0103reau oficiale, semnate \u00een numele Poli\u021biei Rom\u00e2ne \u0219i al B\u0103ncii Na\u021bionale a Rom\u00e2niei. \u00cen mesaj, victimele erau informate c\u0103 sunt implicate \u00eentr-o anchet\u0103 privind \u201eactivit\u0103\u021bi de pornografie infantil\u0103 \u0219i trafic de persoane\u201d, fiind amenin\u021bate cu sanc\u021biuni grave.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru a-\u0219i \u201edovedi nevinov\u0103\u021bia\u201d, li se cerea s\u0103 r\u0103spund\u0103 rapid \u0219i s\u0103 trimit\u0103 date personale sau financiare. Mesajele erau scrise \u00eentr-un limbaj juridic, aparent profesionist, cu sigle, semn\u0103turi oficiale \u0219i o adresare menit\u0103 s\u0103 induc\u0103 panic\u0103 \u0219i obedien\u021b\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Autorit\u0103\u021bile au confirmat c\u0103 mesajele sunt false \u0219i c\u0103 institu\u021biile men\u021bionate nu comunic\u0103 \u00een acest mod cu cet\u0103\u021benii. Cazul a atras aten\u021bia prin nivelul de detaliu al \u00een\u0219el\u0103toriei \u0219i manipularea psihologic\u0103 exercitat\u0103 asupra victimelor.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><span style=\"font-weight: 400;\">\u201eAi fost p\u0103c\u0103lit cu un credit\u201d \u2013 \u00een\u0219el\u0103torie cu identitatea b\u0103ncilor<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen 2025, <\/span><b><a href=\"https:\/\/www.profit.ro\/stiri\/social\/foto-ing-reia-avertismentul-catre-clientii-din-romania-tocmai-ai-fost-pacalit-cu-un-credit-21973940?__hstc=149595625.4a09c46d7acbd079180419d3d52d6bb5.1754644084608.1759221714617.1759231641043.88&amp;__hssc=149595625.3.1759231641043&amp;__hsfp=609257802\"><span style=\"color: var(--awb-color5);\">ING Bank Rom\u00e2nia a emis un avertisment public<\/span><\/a> <\/b>\u00een leg\u0103tur\u0103 cu o nou\u0103 metod\u0103 de fraud\u0103 \u00een care clien\u021bii erau \u00een\u0219tiin\u021ba\u021bi c\u0103 ar fi contractat un credit f\u0103r\u0103 s\u0103 \u0219tie. Atacatorii trimiteau e-mailuri care imitau perfect comunic\u0103rile oficiale ale b\u0103ncii, cu design \u0219i adres\u0103ri aparent legitime.<\/p>\n<p><span style=\"font-weight: 400;\">Mesajul suna alarmant: \u201eTocmai ai fost p\u0103c\u0103lit cu un credit\u201d. Aparent, destinatarul ar fi fost victima unei fraude \u0219i era \u00eendemnat s\u0103 \u201everifice urgent\u201d sau s\u0103 \u201eblocheze\u201d acel credit acces\u00e2nd un link.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Link-ul redirec\u021biona c\u0103tre un site fals, unde se cereau datele de autentificare \u00een aplica\u021bia bancar\u0103 \u0219i, \u00een unele cazuri, datele cardului. Odat\u0103 completate, atacatorii puteau accesa contul victimei \u0219i contracta, \u00eentr-adev\u0103r, credite rapide \u00een numele acesteia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Reprezentan\u021bii ING au subliniat c\u0103 banca nu trimite astfel de mesaje \u0219i c\u0103 toate comunic\u0103rile oficiale se fac prin aplica\u021bia mobil\u0103 sau canalele sigure de contact.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><span style=\"font-weight: 400;\">Escrocheria de pe WhatsApp \u2013 un singur click \u00ee\u021bi poate goli contul bancar<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">O metod\u0103 recent\u0103 de <\/span><a href=\"https:\/\/www.romaniatv.net\/noua-inselatorie-care-va-poate-goli-contul-schimbati-pin-ul-daca-este-unul-dintre-acestea-escrocherie-whatsapp-va-fura-conturile-bancare-atunci-cand-apasati-acest-buton_8706619.html\"><span style=\"color: #141617;\"><b style=\"color: var(--awb-color5);\">fraud\u0103 circul\u0103 intens pe WhatsApp<\/b><\/span><\/a><span style=\"font-weight: 400;\">, unde utilizatorii primesc un mesaj cu un link ce pare a veni din partea unui contact cunoscut sau a unei institu\u021bii. Mesajul con\u021bine un text banal sau intrigant, urmat de un link de tip \u201eVezi ce \u021bi-am trimis\u201d sau \u201eActualizeaz\u0103-\u021bi informa\u021biile de cont\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Odat\u0103 accesat, linkul poate declan\u0219a mai multe ac\u021biuni:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">direc\u021bionarea c\u0103tre un site de phishing care solicit\u0103 date bancare;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">instalarea automat\u0103 (sau redirec\u021bionarea c\u0103tre instalare) a unui malware care capteaz\u0103 parolele tastate;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00een unele cazuri, se cere confirmarea unor \u201eset\u0103ri de securitate\u201d prin introducerea PIN-ului sau codurilor de autentificare.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Aceast\u0103 schem\u0103 este deosebit de periculoas\u0103 pentru c\u0103 vine de pe o platform\u0103 aparent sigur\u0103 \u0219i familiar\u0103 \u2013 WhatsApp \u2013 \u0219i exploateaz\u0103 reflexul rapid de a accesa linkuri trimise de prieteni sau familie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Recomandarea autorit\u0103\u021bilor este clar\u0103: nu deschide\u021bi link-uri suspecte, chiar dac\u0103 vin de la contacte cunoscute, \u0219i nu introduce\u021bi niciodat\u0103 date bancare sau personale \u00een pagini accesate din astfel de surse. \u00cen plus, dac\u0103 PIN-ul t\u0103u este unul simplu (ex. 1234, 0000, 2580), acesta trebuie schimbat imediat, fiind printre cele mai u\u0219or de ghicit de aplica\u021biile mali\u021bioase.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201eDigitalizarea ne-a adus beneficii uria\u0219e, de la accesarea creditelor \u00een c\u00e2teva minute p\u00e2n\u0103 la gestionarea complet\u0103 a finan\u021belor din telefon. Dar \u00een acela\u0219i timp, a ridicat miza protec\u021biei datelor. La 123Credit.ro, credem c\u0103 educa\u021bia financiar\u0103 trebuie s\u0103 includ\u0103 obligatoriu \u0219i o component\u0103 de igien\u0103 digital\u0103 \u2013 pentru c\u0103 \u00een era fraudei sofisticate, informarea devine singura form\u0103 real\u0103 de ap\u0103rare.\u201d <\/span><\/i><span style=\"font-weight: 400;\">\u2014 <\/span><b>Sebastian Piu, Co-fondator &amp; Managing Partner 123Credit.ro<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen general, b\u0103ncile nu \u00ee\u021bi vor cere niciodat\u0103 detaliile personale prin mesaje pe whatsapp, sms sau s\u0103 \u00ee\u021bi introduci datele personale pe vreun site, majoritatea institu\u021biilor bancare au aplica\u021bii sau numere de telefon la care se pot suna \u00een cazul \u00een care apare orice neclaritate.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">2. Frauda cu carduri bancare \u2013 datele furate devin bani pentru al\u021bii<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aceast\u0103 metod\u0103 presupune ob\u021binerea neautorizat\u0103 a datelor de pe cardurile bancare, care apoi sunt folosite pentru tranzac\u021bii sau cump\u0103r\u0103turi online.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Datele sunt ob\u021binute prin phishing, site-uri false sau viru\u0219i instala\u021bi pe telefon sau calculator.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Odat\u0103 ce atacatorul are num\u0103rul cardului, data expir\u0103rii \u0219i codul CVV, poate face tranzac\u021bii neautorizate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00cen 2022, DIICOT a destructurat o re\u021bea care clonase carduri \u0219i le folosise pentru a face cump\u0103r\u0103turi online \u00een valoare de zeci de mii de euro. Infractorii ob\u021bineau datele de pe carduri prin e-mailuri de tip phishing \u0219i aplica\u021bii false desc\u0103rcate din Play Store.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen cazul \u00een care observi tranzac\u021bii neautorizate realizate cu cardul t\u0103u, ai op\u021biunea la majoritatea b\u0103ncilor s\u0103 \u00ee\u021bi blochezi cardul instant din aplica\u021bie sau sun\u00e2nd de rela\u021bii cu clien\u021bii al b\u0103ncii. De asemenea, unele b\u0103nci ofer\u0103 posibilitate geo bloc\u0103rii cardurilor, \u00een cazul \u00een care nu dore\u0219ti s\u0103 te treze\u0219ti cu tranzac\u021bii suspecte de pe alte continente sau \u021b\u0103ri.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">3. Magazine online false \u2013 reduceri fictive, pierderi reale<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Magazinele online false promit produse la pre\u021buri mult sub pia\u021b\u0103, dar \u00een realitate nu livreaz\u0103 nimic. Sunt create special pentru a colecta pl\u0103\u021bi sau date personale.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Site-ul arat\u0103 conving\u0103tor, dar nu are date clare de contact, recenzii reale sau certific\u0103ri.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ofer\u0103 reduceri uria\u0219e, cu plata \u00een avans, doar cu cardul, f\u0103r\u0103 alte op\u021biuni cu plata la livrare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dup\u0103 ce faci comanda, produsul nu vine niciodat\u0103, iar site-ul dispare.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00cen 2021, ANPC a \u00eenchis mai multe site-uri de tip scam care vindeau electronice cu \u201ediscount 70%\u201d, dar nu livrau produsele. Printre victime erau clien\u021bi care pl\u0103tiser\u0103 peste 2.000 lei pentru laptopuri care nu au fost livrate niciodat\u0103.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><span style=\"font-weight: 400;\">Brokerul fals care te las\u0103 f\u0103r\u0103 bani \u2013 fraud\u0103 cu aplica\u021bii mobile<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen 2024, a fost descoperit\u0103 <\/span><b><a href=\"https:\/\/www.digi24.ro\/stiri\/actualitate\/social\/noua-metoda-prin-care-romanilor-le-sunt-furati-banii-din-banca-brokerul-fals-care-cere-instalarea-de-aplicatii-pe-mobil-3003347\"><span style=\"color: var(--awb-color5);\">o metod\u0103 de \u00een\u0219el\u0103torie<\/span><\/a> <\/b>\u00een care rom\u00e2nii erau contacta\u021bi de persoane care pretindeau c\u0103 sunt brokeri financiari sau consultan\u021bi bancari. Sub pretextul ob\u021binerii unui randament mai bun pentru economii sau al securiz\u0103rii unui cont, ace\u0219ti \u201eexper\u021bi\u201d convingeau victimele s\u0103 instaleze aplica\u021bii de control de la distan\u021b\u0103 pe telefon \u2013 precum AnyDesk sau TeamViewer.<\/p>\n<p><span style=\"font-weight: 400;\">Odat\u0103 instalat\u0103 aplica\u021bia, atacatorii puteau accesa \u00een timp real aplica\u021bia bancar\u0103, vedeau soldurile \u0219i f\u0103ceau transferuri directe, \u00een timp ce victima credea c\u0103 asist\u0103 la o procedur\u0103 standard de optimizare a contului.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen multe cazuri, ace\u0219ti \u201ebrokeri\u201d aveau un discurs conving\u0103tor, utilizau termeni financiari \u0219i creau o presiune subtil\u0103, de tipul \u201eeste urgent\u201d sau \u201esistemul v\u0103 poate bloca contul dac\u0103 nu ac\u021biona\u021bi acum\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Reprezentan\u021bii b\u0103ncilor au declarat c\u0103 niciun angajat sau partener oficial nu va cere instalarea unor aplica\u021bii externe \u0219i nu va cere acces direct la telefonul clientului.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Atunci c\u00e2nd interac\u021bioneaz\u0103 cu clien\u021bii, pentru a se asigura ca discuta cu titularul de cont sau de produs bancar, angaja\u021bii b\u0103ncilor pot solicita date generale de identificare cu ar fi: numele complet, data nasterii, tipul sau num\u0103rul de produse bancare avute cu banca respectiv\u0103 (ex. numar de conturi, existen\u021ba unui cont intr o anumita valuta, etc).<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">4. \u021aepe prin re\u021bele sociale \u2013 giveaway-uri, investi\u021bii false, joburi fictive<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Re\u021belele sociale sunt pline de capcane bine regizate care vizeaz\u0103 \u00eencrederea rapid\u0103 \u00een oferte senza\u021bionale.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Giveaway-uri false: \u201eAi c\u00e2\u0219tigat un iPhone! Pl\u0103te\u0219te doar transportul.\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Joburi fictive: \u201eC\u00e2\u0219tig\u0103 5.000 lei\/lun\u0103 lucr\u00e2nd de acas\u0103. Trimite datele tale \u0219i IBAN-ul.\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investi\u021bii rapide: \u201eBag\u0103 200 de euro \u00een crypto \u0219i retragi 1.000 \u00een 48 de ore.\u201d<\/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\"><span style=\"font-weight: 400;\">Investi\u021bie \u201egarantat\u0103\u201d \u00een crypto promovat\u0103 online<\/span><\/h3>\n<p><b><a href=\"https:\/\/stirileprotv.ro\/stiri\/inspectorul-pro\/romani-inselati-sa-investeasca-in-criptomonede-la-indemnul-influencerilor-cum-functioneaza-escrocheriile.html\"><span style=\"color: var(--awb-color5);\">Un rom\u00e2n a fost p\u0103c\u0103lit<\/span><\/a> <\/b>\u00een 2022 s\u0103 investeasc\u0103 peste 20.000 de euro \u00eentr-o schem\u0103 de criptomonede promovat\u0103 agresiv pe re\u021belele sociale, inclusiv prin conturi de TikTok \u0219i YouTube care imitau influenceri sau anali\u0219ti financiari. Victima a fost contactat\u0103 de o \u201econsilier\u0103 financiar\u0103\u201d care l-a convins s\u0103 transfere banii \u00eentr-un cont controlat de o platform\u0103 de investi\u021bii fals\u0103. Timp de c\u00e2teva s\u0103pt\u0103m\u00e2ni, i s-au ar\u0103tat \u201eprofituri crescute\u201d \u00een contul virtual, dar \u00een momentul retragerii, platforma a devenit inaccesibil\u0103, iar \u201econsultanta\u201d nu a mai putut fi contactat\u0103.<\/p>\n<p><span style=\"font-weight: 400;\">Ancheta a scos la iveal\u0103 faptul c\u0103 re\u021beaua opera la nivel interna\u021bional, folosind influenceri fal\u0219i \u0219i videoclipuri generate pentru a c\u00e2\u0219tiga \u00eencrederea victimelor. Cazul este emblematic pentru cum re\u021belele sociale pot fi folosite ca instrument de fraud\u0103, \u00een special \u00een zonele cu promisiuni de c\u00e2\u0219tig rapid.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">5. Frauda cu facturi modificate \u2013 c\u00e2nd banii t\u0103i ajung \u00een contul gre\u0219it<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aceast\u0103 metod\u0103 vizeaz\u0103 \u00een special firmele \u0219i persoanele care pl\u0103tesc facturi prin e-mail.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Infractorii intercepteaz\u0103 un e-mail cu o factur\u0103 \u00eentre un furnizor \u0219i un client.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modific\u0103 IBAN-ul din factur\u0103 cu un cont controlat de ei.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clientul pl\u0103te\u0219te, crez\u00e2nd c\u0103 e contul real, dar banii ajung la escroci.<\/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\"><span style=\"font-weight: 400;\">Facturi \u201ecorectate\u201d cu IBAN-ul propriu \u2013 firm\u0103 p\u0103gubit\u0103 cu zeci de mii de euro<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">O firm\u0103 din Rom\u00e2nia a fost p\u0103gubit\u0103 dup\u0103 ce patroana, responsabil\u0103 cu rela\u021biile comerciale, a modificat datele bancare de pe facturi \u00een mod inten\u021bionat. Timp de luni de zile, aceasta trimitea facturi clien\u021bilor, dar <\/span><b><a href=\"https:\/\/ziare.com\/frauda-cibernetica\/patroana-plati-clienti-cont-firma-facturi-achitate-soc-1830340?uord=MT5hJbDls8R1O8%3DwITstHRMYIuNxnQBtXWYYZUWrKbCwiHKlNFCrID2HJBNrMIF2lRSNTcj4OUT7QHDHgna-MDqrU2o\/UkQQIGRxxgFuLbY\/NEesIuCvgnduZnC6Im4tURJAHbJ_\"><span style=\"color: var(--awb-color5);\">schimba contul IBAN al firmei<\/span><\/a> <\/b>cu unul personal, iar banii ajungeau direct \u00een contul ei.<\/p>\n<p><span style=\"font-weight: 400;\">Clien\u021bii credeau c\u0103 achit\u0103 facturile c\u0103tre firm\u0103, \u00eens\u0103 \u00een realitate alimentau contul personal al angajatei. Frauda a fost descoperit\u0103 abia dup\u0103 ce administratorii au observat diferen\u021be \u00eentre sumele \u00eencasate \u0219i cele facturate. De\u0219i fapta a fost raportat\u0103 autorit\u0103\u021bilor, este pu\u021bin probabil ca banii s\u0103 mai poat\u0103 fi recupera\u021bi integral.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">6. Frauda de tip suport tehnic \u2013 c\u00e2nd cineva \u00ee\u021bi cere acces la calculator<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Este o metod\u0103 care presupune un apel telefonic fals din partea unei institu\u021bii (Microsoft, banca ta, Poli\u021bia etc.) care pretinde c\u0103 \u201eai un virus\u201d sau \u201econtul a fost compromis\u201d.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prime\u0219ti un apel \u0219i \u021bi se spune c\u0103 ai probleme de securitate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E\u0219ti rugat s\u0103 instalezi un program de tip TeamViewer sau AnyDesk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Atacatorul preia controlul, iar dac\u0103 ai datele salvate \u00een sistem pentru accesarea contului bancar, de exemplu, acesta poate s\u0103 transfere banii c\u0103tre alte conturi f\u0103r\u0103 ca utilizatorul s\u0103-\u0219i dea seama.<\/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\"><span style=\"font-weight: 400;\">Site-uri false \u00een numele b\u0103ncilor \u2013 rom\u00e2ni p\u0103gubi\u021bi prin \u00een\u0219el\u0103torii online<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Mai mul\u021bi clien\u021bi ai unor <\/span><a href=\"https:\/\/www.romaniatv.net\/anunt-important-pentru-clientii-bancilor-bcr-brd-raiffeisen-bt-cec-si-ing-semnal-de-alarma-privind-banii-de-pe-card-si-tranzactiile-online_8724475.html\"><span style=\"color: var(--awb-color5);\"><b>b\u0103nci din Rom\u00e2nia<\/b><\/span><\/a><span style=\"font-weight: 400;\"> \u2013 inclusiv BCR, BRD, Raiffeisen, BT, CEC \u0219i ING \u2013 au fost p\u0103c\u0103li\u021bi s\u0103 \u00ee\u0219i ofere datele bancare dup\u0103 ce au accesat site-uri false care imitau perfect paginile oficiale ale institu\u021biilor financiare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Escrocii au trimis SMS-uri sau e-mailuri care con\u021bineau linkuri c\u0103tre aceste site-uri clon\u0103, unde utilizatorilor li se cerea s\u0103 se autentifice sau s\u0103-\u0219i valideze contul. Odat\u0103 completate datele, atacatorii le-au preluat \u0219i au efectuat tranzac\u021bii frauduloase direct din conturile victimelor. Sumele pierdute variaz\u0103, dar \u00een unele cazuri pagubele au fost semnificative.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Autorit\u0103\u021bile \u0219i b\u0103ncile avertizeaz\u0103: nu accesa\u021bi linkuri primite prin SMS sau e-mail care par suspecte \u0219i verifica\u021bi \u00eentotdeauna adresa site-ului \u00eenainte de a introduce date personale sau bancare. B\u0103ncile nu cer niciodat\u0103 date de autentificare prin astfel de mesaje.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">7. Romance scam \u2013 \u00een\u0219el\u0103torii prin rela\u021bii false<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aceast\u0103 metod\u0103 implic\u0103 formarea unei rela\u021bii sentimentale false, adesea pe platforme de dating sau Facebook, \u0219i apoi solicitarea de bani pentru diverse \u201eurgen\u021be\u201d.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Persoana (de obicei fictiv\u0103) te cucere\u0219te cu mesaje constante \u0219i promisiuni.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dup\u0103 un timp, cere bani pentru o \u201eopera\u021bie\u201d, \u201ebilet de avion\u201d sau \u201eprobleme urgente\u201d.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dispare dup\u0103 ce prime\u0219te banii.<\/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\"><span style=\"font-weight: 400;\">\u201eBrad Pitt\u201d i-a promis iubire \u0219i un film \u00eempreun\u0103 \u2013 a r\u0103mas f\u0103r\u0103 830.000 de euro<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">O femeie din Fran\u021ba a fost <\/span><a href=\"https:\/\/ziare.com\/inselatorie-internet\/femeie-franta-830-000-euro-brad-pitt-1917171\"><span style=\"color: var(--awb-color5);\"><b>victima unei escrocherii romantice de propor\u021bii<\/b><\/span><\/a><span style=\"font-weight: 400;\">, dup\u0103 ce un b\u0103rbat care pretindea c\u0103 este celebrul actor Brad Pitt a reu\u0219it s\u0103 o conving\u0103 s\u0103 \u00eei trimit\u0103, \u00een total, 830.000 de euro.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Escrocul a contactat-o online, folosind conturi false pe re\u021belele de socializare \u0219i fotografii reale cu actorul. Timp de luni de zile, i-a trimis mesaje pline de promisiuni de iubire, sus\u021bin\u00e2nd chiar c\u0103 vor filma \u00eempreun\u0103 un film. Sub pretexte diverse \u2013 costuri de produc\u021bie, taxe sau bilete \u2013 i-a cerut sume tot mai mari, pe care femeia le-a transferat, convins\u0103 c\u0103 ajut\u0103 o persoan\u0103 drag\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Adev\u0103rul a ie\u0219it la iveal\u0103 abia c\u00e2nd victima a sesizat autorit\u0103\u021bile, \u00eens\u0103 prejudiciul era deja uria\u0219. Cazul eviden\u021biaz\u0103 una dintre cele mai frecvente metode de fraud\u0103 online \u2013 \u201eromance scam\u201d, \u00een care escrocii exploateaz\u0103 vulnerabilitatea emo\u021bional\u0103 pentru c\u00e2\u0219tig financiar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exper\u021bii avertizeaz\u0103: niciun star de la Hollywood nu cere bani prin mesaje private, iar dragostea adev\u0103rat\u0103 nu \u00eencepe cu un cont bancar.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">8. Deepfake \u0219i voice cloning \u2013 tehnologie folosit\u0103 pentru \u00een\u0219el\u0103ciuni<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">O metod\u0103 recent\u0103 \u0219i periculoas\u0103 implic\u0103 falsificarea vocii sau imaginii unei persoane reale, pentru a induce \u00een eroare.<\/span><\/p>\n<p><b>Cum func\u021bioneaz\u0103:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Atacatorul folose\u0219te AI pentru a crea un video sau un mesaj vocal fals, dar realist.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acesta pare c\u0103 vine de la un \u0219ef, coleg sau prieten.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cere transferuri de bani sau date urgente.<\/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\"><span style=\"font-weight: 400;\">Apelul care pare de la banc\u0103 \u2013 \u00een\u0219el\u0103torie prin telefon cu num\u0103r real<\/span><\/h3>\n<p><a href=\"https:\/\/www.fanatik.ro\/noua-metoda-de-inselatorie-bancara-prin-care-poti-ramane-fara-banii-din-conturi-apelul-real-ce-te-pacaleste-din-primul-minut-se-intampla-in-99-dintre-cazuri-20998662\"><span style=\"color: var(--awb-color5);\"><b>O metod\u0103 de \u00een\u0219el\u0103torie bancar\u0103<\/b><\/span><\/a><span style=\"font-weight: 400;\"> tot mai des \u00eent\u00e2lnit\u0103 \u00een Rom\u00e2nia presupune apeluri telefonice care par s\u0103 vin\u0103 de la un num\u0103r real al b\u0103ncii. \u00cen realitate, atacatorii folosesc tehnologii de tip \u201espoofing\u201d, care le permit s\u0103 afi\u0219eze pe ecranul telefonului un num\u0103r oficial \u2013 de exemplu, call center-ul b\u0103ncii.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Odat\u0103 ce victima r\u0103spunde, i se spune c\u0103 a fost detectat\u0103 o tentativ\u0103 de fraud\u0103 sau o tranzac\u021bie suspect\u0103 pe cont. Sub pretextul securiz\u0103rii contului, i se solicit\u0103 date sensibile: coduri de autentificare, parole temporare, tokenuri sau chiar confirmarea unor tranzac\u021bii \u00een aplica\u021bia mobil\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen unele cazuri, escrocii \u00eei conving pe oameni s\u0103 instaleze aplica\u021bii de control la distan\u021b\u0103 (precum AnyDesk sau TeamViewer), sub pretextul \u201easisten\u021bei tehnice din partea b\u0103ncii\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Autorit\u0103\u021bile statului \u0219i b\u0103ncile v\u0103 avertizeaz\u0103 c\u0103 nici un reprezentant al b\u0103ncii nu v\u0103 va suna s\u0103 v\u0103 cear\u0103 coduri de autentificare, coduri PIN, parole, tokenuri sau confirm\u0103ri de tranzac\u021bii prin aplica\u021bia mobil\u0103, chiar dac\u0103 apelul pare s\u0103 fie de la un num\u0103r legitim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banca folose\u0219te metode de autentificare ale clientului doar \u00een cazul \u00een care acesta apeleaz\u0103 num\u0103rul public sau apeleaz\u0103 folosind aplica\u021bia oficial\u0103, iar detaliile de confirmare nu vor avea niciodat\u0103 leg\u0103tur\u0103 cu date sensibile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chiar dac\u0103 pare a fi un apel aparent legitim, acesta poate fi, de fapt, o capcan\u0103 extrem de bine pus\u0103 la punct.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acestea reprezint\u0103 doar c\u00e2teva exemple dintre tipurile de fraude \u00eent\u00e2lnite frecvent \u00een ultimii ani, \u00eens\u0103 lista nu este exhaustiv\u0103. V-a\u021bi confruntat vreodat\u0103 cu o situa\u021bie de fraud\u0103? Dac\u0103 da, v\u0103 rug\u0103m s\u0103 ne \u00eemp\u0103rt\u0103\u0219i\u021bi experien\u021ba dumneavoastr\u0103.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201eFrauda nu este un fenomen nou \u2013 ea exist\u0103 de c\u00e2nd lumea \u0219i p\u0103m\u00e2ntul. Diferen\u021ba este c\u0103, \u00een era digital\u0103, metodele folosite au devenit tot mai greu de detectat. Infractorii cibernetici folosesc ast\u0103zi tehnologii avansate, un nivel ridicat de creativitate \u0219i exploateaz\u0103 o mas\u0103 larg\u0103 de public vulnerabil sau insuficient informat.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Pe c\u00e2t de diversificate sunt metodele de \u00een\u0219el\u0103ciune, pe at\u00e2t de ingenioase \u2013 motiv pentru care inclusiv institu\u021biilor financiare \u0219i autorit\u0103\u021bilor le este tot mai greu s\u0103 \u021bin\u0103 pasul. \u00cen acest context, pruden\u021ba \u0219i verificarea r\u0103m\u00e2n singurele forme reale de protec\u021bie.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Spre exemplu:<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Dac\u0103 prime\u0219ti un e-mail care pare s\u0103 vin\u0103 de la banc\u0103 \u0219i te invit\u0103 s\u0103 \u201everifici urgent\u201d o tranzac\u021bie suspect\u0103, nu accesa linkul. Verific\u0103 adresa expeditorului \u0219i contacteaz\u0103 banca doar prin canalele oficiale.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Dac\u0103 e\u0219ti sunat de cineva care pretinde c\u0103 este reprezentant Microsoft sau de la banc\u0103 \u0219i \u00ee\u021bi cere s\u0103 instalezi aplica\u021bii precum AnyDesk sau TeamViewer, \u00eenchide apelul imediat \u2013 nicio institu\u021bie serioas\u0103 nu solicit\u0103 acces de la distan\u021b\u0103 f\u0103r\u0103 o procedur\u0103 clar\u0103, ini\u021biat\u0103 de client.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Dac\u0103 g\u0103se\u0219ti un magazin online care ofer\u0103 produse scumpe cu reduceri spectaculoase, dar cere plata \u00een avans \u0219i nu ofer\u0103 posibilitatea livr\u0103rii cu ramburs, verific\u0103 existen\u021ba firmei, recenziile \u0219i datele de contact reale \u00eenainte s\u0103 cumperi.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Dac\u0103 cineva pe WhatsApp sau Facebook \u00ee\u021bi promite profituri rapide din investi\u021bii \u00een criptomonede \u0219i \u00ee\u021bi cere s\u0103 transferi bani \u201epentru a activa contul\u201d, este aproape sigur o \u00een\u0219el\u0103torie. Orice promisiune de c\u00e2\u0219tig garantat ar trebui s\u0103 ridice semnale de alarm\u0103.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Dac\u0103 prime\u0219ti o factur\u0103 prin e-mail de la un partener sau furnizor, verific\u0103 mereu IBAN-ul \u0219i confirm\u0103 telefonic \u00eenainte de a face plata. Un simplu schimb de cont poate \u00eensemna pierderi ireversibile.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">E important s\u0103 ne p\u0103str\u0103m \u00eencrederea \u00een tehnologie, dar s\u0103 nu renun\u021b\u0103m niciodat\u0103 la sim\u021bul critic. \u00centr-o lume \u00een care un singur click gre\u0219it poate avea consecin\u021be majore, vigilen\u021ba este noua form\u0103 de inteligen\u021b\u0103 financiar\u0103.\u201d &#8211;<\/span><\/i><span style=\"font-weight: 400;\"> Ionu\u021b Verzea, Director Re\u021bea Brokeri, <\/span><a href=\"http:\/\/123credit.ro\"><span style=\"color: var(--awb-color5);\"><b>123credit.ro<\/b><\/span><\/a><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Cum \u00ee\u021bi dai seama c\u0103 interac\u021bionezi cu un broker de credit legitim?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La 123Credit, credem c\u0103 accesarea unui credit ar trebui s\u0103 fie nu doar rapid\u0103, ci \u0219i complet sigur\u0103 \u0219i transparent\u0103. De aceea, lucr\u0103m exclusiv cu institu\u021bii financiare autorizate \u0219i respect\u0103m toate normele legale privind protec\u021bia datelor cu caracter personal.<\/span><\/p>\n<p><b>Ce are voie s\u0103 \u00ee\u021bi cear\u0103 legal un broker de credit:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Numele complet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Data na\u0219terii<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Informa\u021bii generale despre venituri<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Actul de identitate (pentru verificare)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Detalii legate de istoricul t\u0103u financiar (ex. existen\u021ba altor credite)<\/span><\/li>\n<\/ul>\n<p><b>Ce nu \u021bi se va cere niciodat\u0103 de c\u0103tre un broker 123Credit:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coduri PIN<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Parole sau coduri de autentificare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Datele cardului bancar<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acces la aplica\u021bia ta bancar\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instalarea de aplica\u021bii de control la distan\u021b\u0103 pe telefon sau calculator<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Toate datele sunt colectate doar cu acordul t\u0103u, prin platforme digitale securizate, iar procesarea lor respect\u0103 strict reglement\u0103rile GDPR. Nu exist\u0103 presiune, nu exist\u0103 comisioane ascunse, nu exist\u0103 riscuri inutile.<\/span><\/p>\n<p><b>Siguran\u021ba ta financiar\u0103 porne\u0219te de la informare corect\u0103 \u0219i de la alegerea unor parteneri responsabili. Iar 123Credit.ro este aici s\u0103 te ghideze la fiecare pas.<\/b><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-easycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"216\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png 216w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div 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