{"id":3955,"date":"2025-10-01T15:48:30","date_gmt":"2025-10-01T12:48:30","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3955"},"modified":"2025-10-01T15:48:44","modified_gmt":"2025-10-01T12:48:44","slug":"sistemul-swift-explicat-simplu","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/sistemul-swift-explicat-simplu\/","title":{"rendered":"Sistemul SWIFT explicat simplu: ce este, cum func\u021bioneaz\u0103 \u0219i de ce ai nevoie de codul SWIFT?"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><b><a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/sistem-swift\/\">Sistemul SWIFT<\/a><\/b><span style=\"font-weight: 400;\"> (acronim de la <\/span><i><span style=\"font-weight: 400;\">Society for Worldwide Interbank Financial Telecommunication<\/span><\/i><span style=\"font-weight: 400;\">) este o re\u021bea de mesagerie securizat\u0103 care conecteaz\u0103 peste 11.000 de b\u0103nci \u0219i institu\u021bii financiare din peste 200 de \u021b\u0103ri. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fondat \u00een 1973 la Bruxelles de 239 de b\u0103nci din 15 \u021b\u0103ri, SWIFT a fost conceput s\u0103 \u00eenlocuiasc\u0103 telexul \u0219i s\u0103 standardizeze transferurile interna\u021bionale. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen esen\u021b\u0103, SWIFT nu mut\u0103 bani, ci transmite mesaje codificate \u00eentre b\u0103nci; aceste mesaje con\u021bin instruc\u021biuni de plat\u0103 sau alte informa\u021bii financiare \u0219i sunt apoi decontate de institu\u021biile participante.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce este sistemul SWIFT \u0219i cum a ap\u0103rut<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">SWIFT este o cooperativ\u0103 de\u021binut\u0103 de institu\u021biile financiare membre \u0219i supravegheat\u0103 de b\u0103ncile centrale ale grupului G10. Re\u021beaua a fost creat\u0103 pentru a r\u0103spunde nevoilor cresc\u00e2nde de rapiditate, siguran\u021b\u0103 \u0219i standardizare \u00een comunicarea bancar\u0103 interna\u021bional\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cenainte de SWIFT, transferurile se efectuau prin telex, un sistem lent \u0219i predispus la erori. Ast\u0103zi, re\u021beaua transmite zilnic aproximativ 42 de milioane de mesaje \u0219i este considerat\u0103 infrastructur\u0103 critic\u0103 pentru sistemul financiar global.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum func\u021bioneaz\u0103 sistemul SWIFT \u0219i ce face de fapt<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">SWIFT ac\u021bioneaz\u0103 ca un \u201ecurier\u201d pentru mesaje financiare standardizate. B\u0103ncile conectate trimit instruc\u021biunile de plat\u0103 la un terminal local, acestea sunt verificate, apoi expediate prin centrele de comutare SWIFT (situate \u00een Belgia, \u021a\u0103rile de Jos \u0219i SUA) c\u0103tre banca destinatar\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mesajele sunt structurate dup\u0103 standarde MT (text) sau MX (ISO 20022) \u0219i pot con\u021bine date precum suma, moneda, contul pl\u0103titorului \u0219i cel al beneficiarului. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Re\u021beaua este proiectat\u0103 pentru disponibilitate continu\u0103 (24\/7), siguran\u021b\u0103 \u0219i fiabilitate, \u00eens\u0103 nu de\u021bine fonduri \u0219i nu deconteaz\u0103 tranzac\u021biile; pentru finalizarea pl\u0103\u021bii, b\u0103ncile trebuie s\u0103 aib\u0103 rela\u021bii de corespondent \u0219i s\u0103 fac\u0103 decontarea prin alte sisteme.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce este codul SWIFT \u0219i cum \u00eel folose\u0219ti<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Fiecare banc\u0103 conectat\u0103 la SWIFT are un cod unic numit <\/span><b>cod SWIFT<\/b><span style=\"font-weight: 400;\"> sau <\/span><b>BIC<\/b><span style=\"font-weight: 400;\"> (Bank Identifier Code). Acest cod are 8 sau 11 caractere: primele patru litere identific\u0103 banca, urm\u0103toarele dou\u0103 litere sunt codul \u021b\u0103rii, urm\u0103toarele dou\u0103 caractere indic\u0103 localitatea, iar ultimele trei (op\u021bionale) identific\u0103 o anumit\u0103 sucursal\u0103. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De exemplu, codul <\/span><i><span style=\"font-weight: 400;\">BTRLRO22<\/span><\/i><span style=\"font-weight: 400;\"> al B\u0103ncii Transilvania con\u021bine prescurtarea b\u0103ncii (BTRL), codul \u021b\u0103rii (RO) \u0219i codul localit\u0103\u021bii. Acest cod func\u021bioneaz\u0103 ca o adres\u0103 electronic\u0103 a b\u0103ncii \u0219i este indispensabil pentru transferuri interna\u021bionale rapide \u0219i sigure. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru o plat\u0103 prin SWIFT, expeditorul trebuie s\u0103 furnizeze numele \u0219i adresa destinatarului, IBAN\u2011ul contului, numele b\u0103ncii destinatare \u0219i codul SWIFT.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Este important s\u0103 nu confund\u0103m codul SWIFT cu <\/span><b>IBAN<\/b><span style=\"font-weight: 400;\">. SWIFT\/BIC identific\u0103 institu\u021bia financiar\u0103, \u00een timp ce IBAN identific\u0103 un cont bancar specific; pentru pl\u0103\u021bile transfrontaliere sunt necesare ambele. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De asemenea, nu toate codurile BIC sunt conectate la re\u021beaua SWIFT, exist\u0103 BIC-uri neconectate, folosite doar \u00een alte sisteme de mesagerie.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Avantajele \u0219i limitele sistemului SWIFT<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">SWIFT asigur\u0103 <\/span><b>siguran\u021b\u0103<\/b><span style=\"font-weight: 400;\">, <\/span><b>rapiditate<\/b><span style=\"font-weight: 400;\"> \u0219i <\/span><b>costuri reduse<\/b><span style=\"font-weight: 400;\"> pentru transmiterea mesajelor. Re\u021beaua are o disponibilitate de peste <\/span><b>99,5%<\/b><span style=\"font-weight: 400;\">, mesajele sunt criptate \u0219i controlate pentru a preveni erorile \u0219i intercept\u0103rile. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Totu\u0219i, exist\u0103 \u0219i limite: transferurile pot fi lente \u0219i costisitoare deoarece trec prin mai multe b\u0103nci corespondente; sistemul nu remite confirm\u0103ri de primire; iar unele institu\u021bii nu fac parte din re\u021bea, astfel \u00eenc\u00e2t trebuie folosite alte canale. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen ultimii ani au ap\u0103rut alternative (CIPS din China, SPFS din Rusia, re\u021bele pe baz\u0103 de blockchain etc.), \u00eens\u0103 SWIFT r\u0103m\u00e2ne platforma predominant\u0103 pentru pl\u0103\u021bile interna\u021bionale.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Alte aplica\u021bii \u0219i context interna\u021bional<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Sistemul SWIFT joac\u0103 un rol geopolitic major. Fiind o infrastructur\u0103 global\u0103, deconectarea unei \u021b\u0103ri de la SWIFT echivaleaz\u0103 cu izolarea sistemului s\u0103u bancar: b\u0103ncile nu mai pot primi sau trimite pl\u0103\u021bi interna\u021bionale. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De exemplu, discu\u021biile din 2022 privind excluderea Rusiei au ar\u0103tat c\u0103 o astfel de m\u0103sur\u0103 ar bloca accesul la fonduri externe \u0219i ar paraliza comer\u021bul. SWIFT se descrie ca o organiza\u021bie neutr\u0103, dar a deconectat anterior b\u0103ncile iraniene la solicitarea UE. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Re\u021beaua este supravegheat\u0103 de b\u0103ncile centrale ale G10, iar b\u0103ncile participante trebuie s\u0103 stabileasc\u0103 rela\u021bii de corespondent bilaterale pentru a schimba mesaje securizate.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sistemul SWIFT este coloana vertebral\u0103 a comunic\u0103rii bancare interna\u021bionale. El a revolu\u021bionat modul \u00een care institu\u021biile financiare \u00ee\u0219i trimit instruc\u021biunile de plat\u0103, oferind un standard securizat, rapid \u0219i global. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De\u0219i nu gestioneaz\u0103 efectiv banii \u0219i are costuri \u0219i limit\u0103ri, SWIFT r\u0103m\u00e2ne esen\u021bial pentru economia global\u0103. <\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente despre sistemul SWIFT<\/b><\/h2>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Ce este sistemul SWIFT \u0219i cine \u00eel folose\u0219te?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SWIFT este o re\u021bea global\u0103 de mesagerie folosit\u0103 de b\u0103nci \u0219i institu\u021bii financiare pentru a transmite instruc\u021biuni de plat\u0103 \u0219i alte informa\u021bii financiare. Peste 11.000 de institu\u021bii din 200 de \u021b\u0103ri o utilizeaz\u0103.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Ce diferen\u021b\u0103 exist\u0103 \u00eentre codul SWIFT \u0219i BIC?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nu exist\u0103 diferen\u021b\u0103: codul SWIFT este acela\u0219i lucru cu BIC (Bank Identifier Code). Termenii sunt folosi\u021bi interschimbabil pentru a desemna codul unic al unei b\u0103nci.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Am nevoie de codul SWIFT pentru pl\u0103\u021bi \u00een euro?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pentru pl\u0103\u021bile interna\u021bionale (inclusiv SEPA), codul SWIFT al b\u0103ncii destinatare este necesar pentru a identifica institu\u021bia; IBAN-ul este necesar pentru a identifica contul.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Cum pot afla codul SWIFT al unei b\u0103nci?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Codul SWIFT se reg\u0103se\u0219te pe extrasul de cont, pe site-ul b\u0103ncii sau poate fi ob\u021binut contact\u00e2nd banca. De exemplu, codul SWIFT al B\u0103ncii Transilvania este BTRLRO22.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Exist\u0103 alternative la SWIFT?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Da. Unele \u021b\u0103ri sau companii folosesc re\u021bele alternative, precum CIPS (China), SPFS (Rusia) sau re\u021bele blockchain. Totu\u0219i, SWIFT r\u0103m\u00e2ne cea mai utilizat\u0103 re\u021bea pentru pl\u0103\u021bi interna\u021bionale.<\/span><\/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\" 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(min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" 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https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div 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