{"id":28904,"date":"2023-10-07T11:59:00","date_gmt":"2023-10-07T08:59:00","guid":{"rendered":"https:\/\/financer.ro\/?page_id=28904"},"modified":"2024-12-06T12:59:19","modified_gmt":"2024-12-06T10:59:19","slug":"cont-bancar","status":"publish","type":"page","link":"https:\/\/financer.ro\/economii\/cont-bancar\/","title":{"rendered":"Cont bancar"},"content":{"rendered":"\n

Cu Financer g\u0103se\u0219ti cel mai bun cont bancar<\/h2>\n\n\n\n

E\u0219ti \u00een c\u0103utarea celui mai bun cont bancar din \u021bar\u0103? <\/em><\/p>\n\n\n\n

Echipa Financer a reu\u0219it s\u0103 adune \u00een tabelul de mai jos caracteristicile cu care vin conturile bancare deschise la cele mai importante 10 institu\u021bii financiare disponibile \u00een \u021bara noastr\u0103:<\/p>\n\n\n\n

Caracteristici\/Costuri<\/strong><\/th>BT<\/strong><\/th>BCR<\/strong><\/th>BRD<\/strong><\/th>CEC<\/strong><\/th>ING<\/strong><\/th>Revolut<\/a><\/strong><\/th>Raiffeisen<\/strong><\/th>Unicredit<\/strong><\/th>Wise<\/a><\/strong><\/th><\/tr><\/thead>
Denumire produs<\/strong><\/td>NEO Cont<\/td>George<\/td>Start<\/td>Bun Venit<\/td>Complet<\/td>Standard<\/td>Digital Bank<\/td>GeniusClasic<\/td>Wise<\/td><\/tr>
Deschidere cont bancar online<\/strong><\/td>Da<\/td>Da***<\/td>Da<\/td>Da<\/td>Da<\/td>Da<\/td>Da<\/td>Da***<\/td>Da<\/td><\/tr>
Livrare card<\/strong><\/td>10 lei<\/td>10 lei<\/td>0 lei<\/td>X<\/td>0 lei<\/td>0 lei (primul card)<\/td>X<\/td>X<\/td>30 lei<\/td><\/tr>
Venit lunar minim pentru costuri 0<\/strong>*<\/td>300 lei<\/td>0 lei<\/td>Nu se aplic\u0103<\/td>1386 lei<\/td>700 lei<\/td>0 lei<\/td>0 lei<\/td>700 lei<\/td>0 lei<\/td><\/tr>
Administrare cont\/lun\u0103<\/strong>**<\/td>5 lei<\/td>0 lei<\/td>6 lei<\/td>5.9 lei<\/td>6 lei<\/td>0 lei<\/td>0 lei<\/td>8 lei<\/td>0 lei<\/td><\/tr>
Administrare Internet + Mobile Banking\/ lun\u0103<\/strong><\/td>1 leu<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td><\/tr>
Extrase cont gratuite la ghi\u0219eu\/ cost<\/strong><\/td>0\/1 leu<\/td>1\/2 lei<\/td>1\/1 EUR<\/td>1\/3 lei<\/td>Nu au ghi\u0219eu<\/td>Nu au ghi\u0219eu<\/td>1\/2 lei<\/td>Nelimitat\/0 lei<\/td>Nu au ghi\u0219eu<\/td><\/tr>
Pl\u0103\u021bi interbancare online<\/strong><\/td>3.5\u201315 lei<\/td>0 lei<\/td>4 lei<\/td>4 lei<\/td>0 lei<\/td>0 lei (primele 3)<\/td>0 lei<\/td>0.1%, min. 3 lei<\/td>0.4% – 1.4%<\/td><\/tr>
Pl\u0103\u021bi interbancare \u00een lei la ghi\u0219eu<\/strong><\/td>10\u201320 lei<\/td>20 lei<\/td>7.5 lei<\/td>10 lei<\/td>Nu au ghi\u0219eu<\/td>Nu au ghi\u0219eu<\/td>15 lei<\/td>0.3%, min. 18 lei<\/td>Nu au ghi\u0219eu<\/td><\/tr>
Pl\u0103\u021bi intrabancare\/ conturi proprii<\/strong><\/td>5 lei\/0 lei<\/td>20\/20 lei<\/td>5\/0 lei<\/td>8\/8 lei<\/td>Nu au ghi\u0219eu<\/td>Nu au ghi\u0219eu<\/td>15\/15 lei<\/td>0.5%\/0.5%<\/td>Nu au ghi\u0219eu<\/td><\/tr>
\u00cencas\u0103ri interbancare lei<\/strong><\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>5 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei<\/td><\/tr>
Retrageri lei la ATM altor b\u0103nci<\/strong><\/td>1%, min. 5 lei<\/td>0 lei<\/td>1%, min. 5 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei (primele 5)<\/td>0 lei<\/td>0 lei<\/td>2%, min. 1 leu<\/td><\/tr>
Retrageri EUR ATM Uniunea European\u0103<\/strong><\/td>1.5% + 2.5 EUR<\/td>0 EUR<\/td>1% + 7 lei<\/td>0 lei<\/td>0 lei<\/td>0 lei (primele 5)<\/td>1.5% + 2.5 lei<\/td>0 lei<\/td>2%, min. 1 leu<\/td><\/tr>
Retrageri de numerar la ghi\u0219eu<\/strong><\/td>1%, min. 5 lei<\/td>1%, min. 15 lei<\/td>1%, min. 10 lei<\/td>0.85%, min. 6.5 lei<\/td>Nu au ghi\u0219eu<\/td>Nu au ghi\u0219eu<\/td>1.5%, min. 5 lei<\/td>0 lei<\/td>Nu au ghi\u0219eu<\/td><\/tr>
Caracteristici unice<\/strong><\/td>Carduri virtuale \u00een lei \u0219i euro<\/td>Pl\u0103\u021bi instant, pl\u0103\u021bi recurente 100% online<\/td>Acces la oferte \u0219i reduceri<\/td>Pachet complet pentru nevoi bancare de baz\u0103<\/td>Curs valutar avantajos non-stop<\/td>Schimb valutar la curs interbancar<\/td>Zero costuri f\u0103r\u0103 condi\u021bie de venit<\/td>Pachet complet de servicii bancare<\/td>Cont multi-valutar cu IBAN-uri locale<\/td><\/tr>
Review dedicat serviciului<\/strong><\/td>–<\/td>–<\/td>–<\/td>–<\/td>–<\/td>Revolut<\/a><\/td>RDB<\/a><\/td>–<\/td>Wise<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

* pentru a beneficia de costuri 0, titularul contului trebuie s\u0103 \u00eencaseze o sum\u0103 minim\u0103 lunar\u0103 \u0219i s\u0103 efectueze minim 1 – 3 pl\u0103\u021bi cu cardul pe lun\u0103<\/p>\n\n\n\n

** cost dac\u0103 nu are loc respectarea condi\u021biilor specificate la punctul 4<\/p>\n\n\n\n

*** da, se poate deschide un cont bancar online, dar doar cu ridicarea cardului \u0219i semnarea actelor finale \u00eentr-un sediu fizic<\/p>\n\n\n\n

X – \u00eenseamn\u0103 c\u0103 nu am g\u0103sit informa\u021bia, oric\u00e2t de mult am \u00eencercat<\/p>\n\n\n\n

Sigur, \u00een afar\u0103 ce cele prezentate aici ar mai fi c\u00e2teva institu\u021bii care ofer\u0103 conturi bancare c\u0103tre clien\u021bii lor, dar cum acestea nu apar pe primele 4 pagini \u00een motoarele de c\u0103utare, am ales s\u0103 nu le amintim.<\/em><\/p>\n\n\n\n

De ce am creat acest tabel?<\/h3>\n\n\n\n

Deschiderea unui cont bancar este o treab\u0103 destul de u\u0219oar\u0103 \u0219i, pe deasupra, gratuit\u0103 conform legii. Doar te duci la o institu\u021bie bancar\u0103, semnezi ni\u0219te foi iar treaba este terminat\u0103 \u00een mai pu\u021bin de 30 minute.<\/p>\n\n\n\n

Unele institu\u021bii bancare permit completarea actelor \u0219i online \u00een ziua de ast\u0103zi, astfel c\u0103 \u00eentreg procesul este simplificat \u0219i mult mai rapid.<\/p>\n\n\n\n

Astfel c\u0103 te po\u021bi \u00eentreba \u201eDe ce am sim\u021bit noi nevoia de a crea acest lung tabel unde po\u021bi compara conturi bancare?\u201d.<\/p>\n\n\n\n

\u00cen fond, de pe orice astfel de instrument financiar vei putea efectua pl\u0103\u021bi, transferuri bancare, \u00ee\u021bi va putea intra salariul \u0219i vei avea posibilitatea de a achita facturile online.<\/p>\n\n\n\n

Dar exist\u0103 conturi bancare mai bune \u0219i conturi mai pu\u021bin bune?<\/p>\n\n\n\n

Ei bine, da. Iar principalii factori pe care va trebui s\u0103 \u00eei iei \u00een considerare sunt costurile fixe \u0219i comisioanele<\/strong> aplicate sumelor curente.<\/p>\n\n\n\n

Iar toate aceste informa\u021bii pot fi analizate \u0219i comparate \u00een tabelul de mai sus<\/a> care, a\u0219a cum \u00ee\u021bi po\u021bi imagina, ne-a luat c\u00e2teva ore bune pentru a-l definitiva.<\/p>\n\n\n

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Revolut, cel mai bun cont bancar online<\/h3>

Iar dac\u0103 ar fi s\u0103 ne \u00eentrebi pe noi care credem c\u0103 este cel mai bun cont bancar pe care \u00eel po\u021bi deschide online, r\u0103spunsul nostru ar fi f\u0103r\u0103 doar \u0219i poate Revolut<\/a>.<\/p>\n

Compania vine cu o mul\u021bime de avantaje, din care noi vom prezenta doar o mic\u0103 parte:<\/p>\n