{"id":4030,"date":"2025-10-15T10:02:25","date_gmt":"2025-10-15T07:02:25","guid":{"rendered":"https:\/\/123credit.ro\/blog\/care-este-codul-swift\/"},"modified":"2025-10-15T10:02:26","modified_gmt":"2025-10-15T07:02:26","slug":"care-este-codul-swift","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/care-este-codul-swift\/","title":{"rendered":"Care este codul SWIFT \u0219i cum \u00eel folose\u0219ti corect \u00een transferurile interna\u021bionale"},"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\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><h1>Care este codul SWIFT \u0219i de ce ai nevoie de el c\u00e2nd prime\u0219ti sau trimi\u021bi bani din str\u0103in\u0103tate?<\/h1>\n<p>De\u0219i articolul precedent a explicat pe larg ce este sistemul SWIFT, \u00een aceast\u0103 pies\u0103 ne concentr\u0103m pe codul SWIFT: cum este construit, ce rol joac\u0103 \u00een pl\u0103\u021bile interna\u021bionale \u0219i cum \u00eel g\u0103se\u0219ti pentru propria banc\u0103.<\/p>\n<p>Codul SWIFT (sau BIC) este o \u201eadres\u0103 electronic\u0103\u201d, unic\u0103, de identificare a fiec\u0103rei b\u0103nci sau institu\u021bii financiare din lume. F\u0103r\u0103 el, transferurile ar fi lente sau imposibile, deoarece banca pl\u0103titoare nu ar \u0219ti unde trebuie s\u0103 ajung\u0103 banii.<\/p>\n<h2>Ce este codul SWIFT \u0219i cum func\u021bioneaz\u0103?<\/h2>\n<p>Codul SWIFT (cunoscut \u0219i ca BIC \u2013 Bank Identifier Code) este un identificator standardizat care permite b\u0103ncilor din \u00eentreaga lume s\u0103 comunice \u00eentre ele \u00een siguran\u021b\u0103. Practic, el func\u021bioneaz\u0103 ca o adres\u0103 po\u0219tal\u0103 pentru conturile bancare atunci c\u00e2nd faci un transfer interna\u021bional. Toate b\u0103ncile care au activitate interna\u021bional\u0103 sunt membre \u00een re\u021beaua SWIFT \u0219i primesc un astfel de cod unic.<\/p>\n<p>De exemplu, codul SWIFT de la Banca Transilvania este BTRLRO22, unde primele 4 caractere reprezint\u0103 banca (\u201eBTRL\u201d), urmate de codul \u021b\u0103rii (\u201eRO\u201d) \u0219i codul localit\u0103\u021bii (\u201e22\u201d).<\/p>\n<p>Structura codului este standardizat\u0103 de ISO 9362 \u0219i cuprinde 8 sau 11 caractere:<\/p>\n<ul>\n<li>Primele 4 litere indic\u0103 institu\u021bia financiar\u0103 (de obicei un acronim al b\u0103ncii)<\/li>\n<li>Urm\u0103toarele 2 litere reprezint\u0103 codul interna\u021bional al \u021b\u0103rii, conform standardului ISO 3166 (de exemplu \u201eRO\u201d pentru Rom\u00e2nia)<\/li>\n<li>Urm\u0103toarele 2 caractere indic\u0103 localitatea (de cele mai multe ori cifre sau litere)<\/li>\n<li>Ultimele 3 caractere (op\u021bionale) indic\u0103 sucursala; dac\u0103 lipsesc, se presupune c\u0103 este vorba despre sediul central al b\u0103ncii.<\/li>\n<\/ul>\n<p>Astfel, un cod SWIFT\/BIC complet poate ar\u0103ta, de exemplu, BTRLRO22XXX, unde \u201eXXX\u201d desemneaz\u0103 filiala. Dac\u0103 folose\u0219ti doar primele 8 caractere, mesajul va fi direc\u021bionat c\u0103tre sediul central, iar banca destinatar\u0103 \u00eel va redirec\u021biona c\u0103tre sucursal\u0103.<\/p>\n<h2>SWIFT vs. BIC vs. IBAN<\/h2>\n<p>Termenii \u201eSWIFT\u201d \u0219i \u201eBIC\u201d sunt utiliza\u021bi interschimbabil \u0219i desemneaz\u0103 acela\u0219i cod de identificare bancar\u0103 interna\u021bional\u0103. De\u0219i unele b\u0103nci prefer\u0103 denumirea \u201eBIC\u201d, codul este acela\u0219i.<\/p>\n<p>\u00cen schimb, IBAN (International Bank Account Number) reprezint\u0103 un cont bancar individual, nu institu\u021bia. IBAN-ul are o lungime variabil\u0103 (\u00een Rom\u00e2nia are 24 de caractere) \u0219i \u00eencepe cu codul \u021b\u0103rii, urmat de dou\u0103 cifre de control \u0219i de num\u0103rul contului.<\/p>\n<p>Pentru un transfer interna\u021bional reu\u0219it ai nevoie at\u00e2t de IBAN, c\u00e2t \u0219i de codul SWIFT al b\u0103ncii destinatare.<\/p>\n<h2>C\u00e2nd ai nevoie de codul SWIFT?<\/h2>\n<p>Codul SWIFT este necesar ori de c\u00e2te ori trimi\u021bi sau prime\u0219ti bani dintr-o alt\u0103 \u021bar\u0103. Banca expeditoare folose\u0219te acest cod pentru a identifica \u00een mod unic banca destinatar\u0103 \u0219i filiala acesteia.<\/p>\n<p>\u00cen cadrul spa\u021biului SEPA (pl\u0103\u021bi \u00een euro \u00eentre statele UE), unele b\u0103nci pot procesa pl\u0103\u021bi doar cu IBAN, \u00eens\u0103 majoritatea solicit\u0103 \u00een continuare codul SWIFT pentru a evita erorile.<\/p>\n<p>Situa\u021biile \u00een care este obligatoriu:<\/p>\n<ul>\n<li>Transferuri interna\u021bionale de bani \u2013 fie c\u0103 prime\u0219ti salariul din str\u0103in\u0103tate, fie c\u0103 pl\u0103te\u0219ti un furnizor, codul SWIFT asigur\u0103 c\u0103 fondurile ajung la banca corect\u0103.<\/li>\n<li>Pl\u0103\u021bi pentru produse\/servicii din afara \u021b\u0103rii \u2013 magazinele online sau serviciile freelancerilor cer adesea IBAN \u0219i codul SWIFT.<\/li>\n<li>Transferuri \u00eentre conturi proprii dac\u0103 de\u021bii conturi \u00een diferite \u021b\u0103ri \u0219i vrei s\u0103 mu\u021bi bani \u00eentre ele.<\/li>\n<\/ul>\n<p>\u00cen schimb, nu ai nevoie de cod SWIFT pentru transferuri interne (\u00een aceea\u0219i \u021bar\u0103) sau pentru pl\u0103\u021bi cu cardul la POS.<\/p>\n<h2>Unde g\u0103se\u0219ti codul SWIFT al b\u0103ncii tale?<\/h2>\n<ol>\n<li>Pe extrasul de cont<br \/>\n        Majoritatea b\u0103ncilor afi\u0219eaz\u0103 codul SWIFT\/BIC \u00een antet sau sub datele de identificare ale titularului.\n    <\/li>\n<li>\u00cen aplica\u021bia de internet banking sau mobile banking<br \/>\n        Codul poate fi g\u0103sit \u00een sec\u021biunea \u201eDetalii cont\u201d sau \u201eDespre banc\u0103\u201d.\n    <\/li>\n<li>Pe site-ul oficial al b\u0103ncii<br \/>\n        C\u0103ut\u00e2nd \u201ecod SWIFT\u201d \u00eempreun\u0103 cu numele b\u0103ncii vei ajunge rapid la pagina dedicat\u0103. De exemplu, pentru Banca Transilvania codul SWIFT este prezentat public.\n    <\/li>\n<li>Pe platforme specializate<br \/>\n        Exist\u0103 motoare de c\u0103utare \u0219i liste publice de coduri SWIFT (de exemplu, curs-valutar-bnr.ro sau aplica\u021bii dedicate) care te ajut\u0103 s\u0103 verifici dac\u0103 un cod apar\u021bine unei institu\u021bii legitime.\n    <\/li>\n<\/ol>\n<h2>Codurile SWIFT ale celor mai cunoscute b\u0103nci din Rom\u00e2nia<\/h2>\n<table>\n<thead>\n<tr>\n<th>Banc\u0103<\/th>\n<th>Cod SWIFT\/BIC general<\/th>\n<th>Observa\u021bii<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Banca Transilvania<\/td>\n<td>BTRLRO22<\/td>\n<td>Cod pentru sediul central; \u201eXXX\u201d pentru sucursal\u0103<\/td>\n<\/tr>\n<tr>\n<td>BCR (Banca Comercial\u0103 Rom\u00e2n\u0103)<\/td>\n<td>RNCBROBU<\/td>\n<td>Identific\u0103 sediul central; folose\u0219te varianta cu 11 caractere pentru filiale<\/td>\n<\/tr>\n<tr>\n<td>BRD \u2013 Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/td>\n<td>BRDEROBU<\/td>\n<td>Cod general; pentru unele sucursale se folose\u0219te BRDEROBUXXX<\/td>\n<\/tr>\n<tr>\n<td>ING Bank<\/td>\n<td>INGBROBU<\/td>\n<td>Pentru conturi deschise la ING; cod cu 8 caractere<\/td>\n<\/tr>\n<tr>\n<td>Raiffeisen Bank<\/td>\n<td>RZBRROBU<\/td>\n<td>Cod general; pentru unit\u0103\u021bi locale se adaug\u0103 sufixul sucursalei<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Not\u0103: Codurile de mai sus sunt prezentate cu scop informativ \u0219i pot varia \u00een func\u021bie de sucursal\u0103. Verific\u0103 \u00eentotdeauna codul exact \u00een contractul t\u0103u de cont sau pe site-ul oficial al b\u0103ncii.<\/p>\n<h2>Diferen\u021be importante \u00eentre cod SWIFT \u0219i IBAN<\/h2>\n<p>Confuzia \u00eentre codul SWIFT \u0219i IBAN este frecvent\u0103, \u00eens\u0103 rolurile lor sunt distincte. Codul SWIFT identific\u0103 banca beneficiarului, iar IBAN-ul identific\u0103 exact contul bancar al persoanei sau firmei respective. Folosind o analogie, codul SWIFT este adresa biroului (institu\u021bia), iar IBAN este num\u0103rul de apartament.<\/p>\n<p>Dac\u0103 lipse\u0219te codul SWIFT, banca expeditoare poate returna plata sau poate cere clarific\u0103ri. Dac\u0103 lipse\u0219te IBAN, banii nu ajung \u00een contul corect.<\/p>\n<table>\n<thead>\n<tr>\n<th>Caracteristic\u0103<\/th>\n<th>Cod SWIFT\/BIC<\/th>\n<th>IBAN<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Lungime<\/td>\n<td>8 sau 11 caractere<\/td>\n<td>Variabil\u0103 (de exemplu, 24 de caractere \u00een Rom\u00e2nia)<\/td>\n<\/tr>\n<tr>\n<td>Rol<\/td>\n<td>Identific\u0103 banca \u0219i sucursala<\/td>\n<td>Identific\u0103 titularul \u0219i contul bancar<\/td>\n<\/tr>\n<tr>\n<td>Con\u021binut<\/td>\n<td>Cod banc\u0103, cod \u021bar\u0103, cod localitate, cod sucursal\u0103<\/td>\n<td>Cod \u021bar\u0103, cifre de control, cod banc\u0103, num\u0103r de cont<\/td>\n<\/tr>\n<tr>\n<td>Utilizare<\/td>\n<td>Necesar pentru transferuri interna\u021bionale<\/td>\n<td>Necesar at\u00e2t pentru pl\u0103\u021bi interne, c\u00e2t \u0219i externe<\/td>\n<\/tr>\n<tr>\n<td>Interschimbabil<\/td>\n<td>SWIFT = BIC<\/td>\n<td>Nu are echivalent<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Cum verifici dac\u0103 ai codul corect?<\/h2>\n<p>Folosirea unui cod SWIFT gre\u0219it poate cauza \u00eent\u00e2rzieri sau returnarea fondurilor. Uite c\u00e2teva sfaturi pentru a verifica corectitudinea codului:<\/p>\n<ul>\n<li>Verific\u0103 lista oficial\u0103 \u2013 consult\u0103 site-ul b\u0103ncii sau liste oficiale precum coduri-swift.ro pentru a confirma codul asociat sucursalei.<\/li>\n<li>Analizeaz\u0103 structura \u2013 un cod cu 8 caractere indic\u0103 sediul central; dac\u0103 \u0219tii c\u0103 folose\u0219ti o sucursal\u0103, asigur\u0103-te c\u0103 ai ultimele trei caractere corecte (de exemplu, BTRLRO22CLS pentru Cluj-Napoca). C\u00e2nd codul are doar 8 caractere, banca beneficiar\u0103 poate redirec\u021biona intern plata c\u0103tre sucursala corect\u0103, dar pot ap\u0103rea \u00eent\u00e2rzieri.<\/li>\n<li>Evit\u0103 spa\u021biile sau caracterele speciale \u2013 codul SWIFT este un \u0219ir continuu, f\u0103r\u0103 spa\u021bii sau caractere speciale; scrierea gre\u0219it\u0103 poate anula transferul.<\/li>\n<li>Folose\u0219te func\u021bia de validare \u2013 unele platforme (precum TransferGo, Wise sau Western Union) au instrumente de verificare automat\u0103; introdu codul pentru a vedea dac\u0103 este recunoscut ca valid \u0219i la ce banc\u0103 apar\u021bine.<\/li>\n<\/ul>\n<h2>Concluzie<\/h2>\n<p>Codul SWIFT este elementul cheie al oric\u0103rui transfer interna\u021bional. El identific\u0103 rapid \u0219i \u00een siguran\u021b\u0103 banca destinatar\u0103 \u0219i este necesar al\u0103turi de IBAN pentru ca banii s\u0103 ajung\u0103 la destina\u021bia corect\u0103.<\/p>\n<p>Structura standardizat\u0103 (4 litere pentru banc\u0103, 2 litere pentru \u021bar\u0103, 2 caractere pentru ora\u0219 \u0219i, op\u021bional, 3 caractere pentru sucursal\u0103) simplific\u0103 procesarea pl\u0103\u021bilor la nivel mondial.<\/p>\n<p>\u00cen timp ce confuziile \u00eentre SWIFT, BIC \u0219i IBAN sunt frecvente, re\u021bine c\u0103 SWIFT\/BIC se refer\u0103 la institu\u021bie, iar IBAN la contul personal.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Codul SWIFT este acela\u0219i cu BIC?<\/h3>\n<p>Da. Termenii sunt sinonimi \u0219i desemneaz\u0103 acela\u0219i cod de identificare a unei institu\u021bii financiare.<\/p>\n<h3>2. Pot face un transfer interna\u021bional f\u0103r\u0103 cod SWIFT?<\/h3>\n<p>Majoritatea b\u0103ncilor cer codul SWIFT pentru pl\u0103\u021bi transfrontaliere. \u00cen zona SEPA se accept\u0103 uneori doar IBAN, dar este recomandat s\u0103 incluzi codul SWIFT pentru a evita retururile.<\/p>\n<h3>3. E acela\u0219i cod pentru toate sucursalele b\u0103ncii mele?<\/h3>\n<p>Nu \u00eentotdeauna. Unele b\u0103nci folosesc un cod general (8 caractere) pentru sediul central \u0219i adaug\u0103 un sufix de 3 caractere pentru fiecare sucursal\u0103. Verific\u0103 lista b\u0103ncii pentru a afla dac\u0103 sucursala ta are un cod specific.<\/p>\n<h3>4. Codul SWIFT \u0219i IBAN sunt acela\u0219i lucru?<\/h3>\n<p>Nu. SWIFT\/BIC identific\u0103 banca \u0219i sucursala, iar IBAN identific\u0103 titularul contului.<\/p>\n<h3>5. Unde pot verifica codul SWIFT corect?<\/h3>\n<p>Pe extrasul de cont, \u00een aplica\u021bia de internet banking, pe site-ul oficial al b\u0103ncii sau pe site-uri specializate care listeaz\u0103 coduri SWIFT.<\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institu\u021bii 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 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class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Care este codul SWIFT \u0219i de ce ai nevoie de el c\u00e2nd prime\u0219ti sau trimi\u021bi bani din str\u0103in\u0103tate? De\u0219i articolul precedent a explicat pe larg ce este sistemul SWIFT, \u00een aceast\u0103 pies\u0103 ne concentr\u0103m pe codul SWIFT: cum este construit, ce rol joac\u0103 \u00een pl\u0103\u021bile interna\u021bionale \u0219i cum \u00eel g\u0103se\u0219ti pentru propria banc\u0103. Codul SWIFT (sau BIC) este o \u201eadres\u0103  [&#8230;]<\/p>\n","protected":false},"author":7,"featured_media":4016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-4030","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>Care este codul SWIFT \u0219i cum \u00eel folose\u0219ti corect \u00een transferurile interna\u021bionale - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Care este codul SWIFT \u0219i c\u00e2nd ai nevoie de el pentru transferuri interna\u021bionale? 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