{"id":2208,"date":"2018-10-08T18:03:14","date_gmt":"2018-10-08T15:03:14","guid":{"rendered":"https:\/\/financer.ro\/?page_id=2208"},"modified":"2024-05-10T13:02:02","modified_gmt":"2024-05-10T10:02:02","slug":"fondul-de-garantare","status":"publish","type":"wiki","link":"https:\/\/financer.ro\/finante-personale\/articole\/fondul-de-garantare\/","title":{"rendered":"Cum func\u021bioneaz\u0103 Fondul de Garantare?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Cum_funcioneaz_Fondul_de_Garantare\">Cum func\u021bioneaz\u0103 Fondul de Garantare?<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2021\/04\/loan.png\" alt=\"fondul de garantare\" class=\"wp-image-16069\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/04\/loan.png 500w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/04\/loan-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/04\/loan-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/04\/loan-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>Probabil e\u0219ti la curent cu faptul c\u0103 <a href=\"https:\/\/financer.ro\/economii\/dobanzi-depozite\/\">depozitele bancare<\/a><strong> <\/strong>\u0219i <a href=\"https:\/\/financer.ro\/economii\/cont-de-economii\/\" data-type=\"page\" data-id=\"3327\">conturile de economii<\/a><strong> sunt asigurate, \u00een anumite limite, de c\u0103tre Fondul de Garantare<\/strong>.<\/p>\n\n\n\n<p><em>\u00cen acest articol vei descoperi care sunt aceste limite \u0219i cum func\u021bioneaz\u0103, mai exact, un fond de garantare.<\/em><\/p>\n\n\n\n<p>Tot aici vei putea g\u0103si informa\u021bii utile cu privire la institu\u021biile bancare ce coopereaz\u0103 cu Fondul, c\u00e2nd a fost necesar\u0103 interven\u021bia lui \u00een \u021bara noastr\u0103 \u0219i multe altele.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Sumar\">Sumar<\/h3><ul>\n<li>Fondul de Garantare a Depozitelor Bancare ofer\u0103 protec\u021bie depunerilor popula\u021biei \u00een limita a 100.000 Eur per individ per banc\u0103<\/li>\n<li>Se poate aplica \u0219i un plafon mai mare, dar doar \u00een anumite condi\u021bii ce vor fi explicate \u00een articol<\/li>\n<li>\u00cen cazul conturilor deschise \u00een alte \u021b\u0103ri, fondurile de garantare din statele respective sunt responsabile de restituirea banilor c\u0103tre beneficiari<\/li>\n<\/ul>\n<p>\u00a0<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_este_Fondul_de_Garantare_a_Depozitelor_Bancare\">Ce este Fondul de Garantare a Depozitelor Bancare?<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2020\/12\/insurance.png\" alt=\"fond de garantare\" class=\"wp-image-14939\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/12\/insurance.png 500w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/12\/insurance-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/12\/insurance-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/12\/insurance-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p><a href=\"https:\/\/www.fgdb.ro\/\">Fondul de Garantare a Depozitelor Bancare<\/a> &#8211; FGDB &#8211; <strong>este unica institu\u021bie care are ca misiune garantarea depozitelor<\/strong> constituite la oricare dintre institu\u021biile de credit participante la Fondul de Garantare din \u021bara noastr\u0103.<\/p>\n\n\n\n<p>Ei se oblig\u0103 la plata unor compensa\u021bii c\u0103tre deponen\u021bi atunci c\u00e2nd depozitele devin indisponibile, indiferent de cauz\u0103, \u00een limita unui plafon de garantare ce este stabilit prin lege.<\/p>\n\n\n\n<p>\u00cen acela\u0219i timp, tot acest fond de garantare este cel care va prelua temporar \u0219i func\u021bia de administrator special, ac\u021bionar \u0219i lichidator al unei institu\u021bii bancare aflat\u0103 \u00een dificultate.<\/p>\n\n\n\n<p>\u00cens\u0103 func\u021biile temporare vor fi preluate numai \u00een momentul \u00een care Banca Na\u021bional\u0103 a Rom\u00e2niei decide <strong>implementarea m\u0103surilor de stabilizare<\/strong> pentru banca respectiv\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_garanteaz_FGDB_i_cum_funcioneaz_sistemul\">Ce garanteaz\u0103 FGDB \u0219i cum func\u021bioneaz\u0103 sistemul<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/07\/p2p-loan.png\" alt=\"ce este fondul de garantare\" class=\"wp-image-16364\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/p2p-loan.png 500w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/p2p-loan-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/p2p-loan-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/p2p-loan-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>Fondul de Garantare <strong>garanteaz\u0103 toate depozitele deschise at\u00e2t de c\u0103tre persoane juridice, c\u00e2t \u0219i fizice<\/strong>, la institu\u021biile de credit participante la Fond, \u00een limitele impuse de cadrul legislativ.<\/p>\n\n\n\n<p>Exist\u0103 \u0219i excep\u021bii de la plata compensa\u021biilor, conform legii 311\/2015, cum ar fi depozite ale asiguratorilor, ale fondurilor de pensii \u0219i altele.<\/p>\n\n\n\n<p>Participarea la Fondul de Garantare a Depozitelor Bancare <strong>este o cerin\u021b\u0103 obligatorie pentru toate institu\u021biile de credit din Rom\u00e2nia<\/strong>, autorizate de BNR, care doresc s\u0103 primeasc\u0103 depozite de la popula\u021bie, inclusiv pentru depozitele atrase de sucursalele institu\u021biilor respective din str\u0103in\u0103tate.<\/p>\n\n\n\n<p><em>\u00cen prezent, 25 b\u0103nci plus Banca Central\u0103 Cooperatist\u0103 sunt parte a acestui Fond.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Garantarea_depozitelor_deschise_la_bnci_strine\">Garantarea depozitelor deschise la b\u0103nci str\u0103ine<\/h3>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2021\/02\/save-invest.png\" alt=\"fondul de garantare a depozitelor bancare\" class=\"wp-image-15658\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/save-invest.png 500w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/save-invest-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/save-invest-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/save-invest-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>Depozitele deschise la sucursale din \u021bara noastr\u0103 ale unor institu\u021bii cu sediul social \u00een alte state membre UE <strong>sunt garantate de c\u0103tre un fond de garantare din \u021bara de origine<\/strong>. <\/p>\n\n\n\n<p>Toate sunt asigurate \u00een conformitate cu schemele \u0219i condi\u021biile legislative impuse de c\u0103tre statul respectiv \u0219i de c\u0103tre Uniunea European\u0103.<\/p>\n\n\n\n<p>Desigur c\u0103 tot FGDB este cel care se va ocupa de dosare \u0219i de plata eventualelor compensa\u021biilor \u00een cazul \u00een care apar probleme, conform instruc\u021biunilor venite din partea fondului \u021b\u0103rii \u00een cauz\u0103.<\/p>\n\n\n\n<p>La data de 09.04.2021, nou\u0103 astfel de institu\u021bii \u00ee\u0219i derulau activitatea pe teritoriul Rom\u00e2niei.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Produse_asigurate_prin_acest_fond_de_garantare\">Produse asigurate prin acest fond de garantare<\/h3>\n\n\n\n<p><em>Produsele bancare garantate de c\u0103tre FGDB sunt:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><a href=\"https:\/\/financer.com\/ro\/economii\/dobanzi-depozite\/\">Depozite la termen<\/a><\/p>\n<\/li><li><p><a href=\"https:\/\/financer.com\/ro\/finante-personale\/cont-bancar\/\">Conturi curente<\/a><\/p>\n<\/li><li><p><a href=\"https:\/\/financer.com\/ro\/economii\/cont-de-economii\/\">Conturi de economii<\/a><\/p>\n<\/li><li><p><a href=\"https:\/\/financer.com\/ro\/card-de-cumparaturi\/card-de-debit\/\">Conturi de card<\/a><\/p>\n<\/li><li><p>Conturi comune<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>La data refacerii articolului, un rapot pentru anul 2020 \u00eenc\u0103 nu a fost publicat. Dar conform cifrelor de la finalul anului 2019,<strong> 86.9 % din depozitele deschise \u00een \u021bara noastr\u0103<\/strong> sunt asigurate prin fondul de garantare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Care_este_plafonul_de_garantare\">Care este plafonul de garantare<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2021\/02\/birou-de-credit.png\" alt=\"fond garantare\" class=\"wp-image-15628\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/birou-de-credit.png 500w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/birou-de-credit-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/birou-de-credit-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/02\/birou-de-credit-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>\u00cen ceea ce prive\u0219te plafonul de garantare, <strong>cel general este de 100.000 Euro<\/strong>. <\/p>\n\n\n\n<p><em>Cu alte cuvinte, banii fiec\u0103rui deponent la banc\u0103 vor fi garanta\u021bi \u00een aceast\u0103 limit\u0103.<\/em><\/p>\n\n\n\n<p>Astfel, \u00een cazul \u00een care institu\u021bia bancar\u0103 nu mai poate \u00eenapoia banii c\u0103tre clien\u021bi, Fondul de Garantare a Depozitelor Bancare va pl\u0103ti o compensa\u021bie ce va fi de maximum 100.000 Euro\/ persoan\u0103\/ banc\u0103.<\/p>\n\n\n\n<p><strong>Sumele vor fi achitate \u00een lei, printr-un transfer bancar<\/strong>, la cursul BNR din data \u00een care datoriile respective nu mai pot fi \u00eenapoiate clien\u021bilor.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Nivelul_compensaiei_se_calculeaz_n_felul_urmtor\">Nivelul compensa\u021biei se calculeaz\u0103 \u00een felul urm\u0103tor:<\/h3><ul>\n<li>Se adun\u0103 toate sumele depozitelor garantate pe care o persoan\u0103 le de\u021bine la institu\u021bia de credit \u00een momentul intr\u0103rii \u00een imposibilitate de plat\u0103<\/li>\n<li>Din valoarea rezultat\u0103 se scad toate datoriile exigibile pe care beneficiarul le \u00eenregistreaz\u0103 la aceea\u0219i dat\u0103, c\u0103tre banca respectiv\u0103<\/li>\n<li>Diferen\u021ba este achitat\u0103 c\u0103tre titularul de cont sau mo\u0219tenitori ai acestuia, dup\u0103 caz<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Plafon_suplimentar\">Plafon suplimentar<\/h3>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2021\/01\/stocks.png\" alt=\"fondu de garantare\" class=\"wp-image-15013\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/stocks.png 500w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/stocks-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/stocks-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/stocks-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>Conform legii 311\/2015, Fondul de Garantare\u00a0<strong>ofer\u0103 \u0219i un plafon suplimentar \u00een valoare de maxim 100.000 Euro. <\/strong><\/p>\n\n\n\n<p>Acesta se cumuleaz\u0103 cu plafonul general, pentru o perioad\u0103 de 12 luni de la data la care suma respectiv\u0103 de bani a fost creditat\u0103 \u00een contul institu\u021biei bancare sau de la data la care depozitele pot fi transferate \u00een mod legal c\u0103tre o alt\u0103 banc\u0103.<\/p>\n\n\n\n<p><em>Plata sumelor suplimentare se realizeaz\u0103 \u00een acelea\u0219i condi\u021bii expuse pu\u021bin mai devreme.<\/em><\/p>\n\n\n\n<p>Condi\u021biile de aplicare a plafonului suplimentar sunt ca deponentul s\u0103 fi ob\u021binut sumele ce dep\u0103\u0219esc plafonul general din:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Tranzac\u021bii imobiliare ce se refer\u0103 la imobile cu destina\u021bie locativ\u0103<\/p>\n<\/li><li><p>\u00cen urma unui eveniment precum pensionarea, disponibilizarea din func\u021bie, din cauza unei invalidit\u0103\u021bi sau a decesului deponentului<\/p>\n<\/li><li><p>\u00cencasarea anumitor indemniza\u021bii de asigurare sau a unor compensa\u021bii pentru condamn\u0103ri pe nedrept sau a unor daune rezultate din infrac\u021biuni<\/p>\n<\/li><\/ul><\/div>\n\n\n<p><strong>Iat\u0103 c\u00e2teva exemple<\/strong> care sper\u0103m noi c\u0103 te vor ajuta s\u0103 \u00een\u021belegi mai bine cum stau lucrurile \u00een ceea ce prive\u0219te acest plafon suplimentar:<\/p>\n\n\n\n<p><strong><em>Exemplul A<\/em><\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p>Un client are la Banca 1 un depozit de 50.000 Euro<\/p>\n<\/li><li><p>Acesta vinde un apartament cu suma de 160.000 Euro, bani pe care \u00eei depune tot la Banca 1, deci are \u00een total 210.000 Euro \u00een conturi la banca respectiv\u0103<\/p>\n<\/li><li><p><em>Pentru o perioad\u0103 de 12 luni<\/em>, din aceast\u0103 sum\u0103, <strong>200.000 Euro vor fi garanta\u021bi<\/strong><\/p>\n<\/li><li><p>Diferen\u021ba de 10.000 Euro nu va fi asigurat\u0103 dac\u0103 vor r\u0103m\u00e2ne tot \u00eentr-un cont la Banca 1, \u00eens\u0103 dac\u0103 deponentul face un <a href=\"https:\/\/financer.com\/ro\/finante-personale\/raspunsuri-transfer-bancar\/\">transfer bancar<\/a> c\u0103tre Banca 2, atunci \u0219i ace\u0219tia vor fi garanta\u021bi de c\u0103tre Fondul de Garantare<\/p>\n<\/li><\/ol><\/div>\n\n\n<p><strong><em>Exemplul B<\/em><\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p>Un client are o sum\u0103 de 100.000 Euro depu\u0219i \u00eentr-un cont la Banca 1<\/p>\n<\/li><li><p>\u00cen urma unei condamn\u0103ri pe nedrept, prime\u0219te o compensa\u021bie judec\u0103toreasc\u0103 de 210.000 Euro, pe care se decide s\u0103 \u00eei depun\u0103 la Banca 2<\/p>\n<\/li><li><p>Cu toate c\u0103, \u00een total, clientul are 310.000 Euro \u00een conturi, <strong>el va avea garantat\u0103 suma de 300.000 Euro de c\u0103tre Fondul de Garantare a Depozitelor Bancare<\/strong> (100.000 Euro la Banca 1 \u2013 plafon general \u0219i 200.000 Euro la Banca 2, plafon general + plafon suplimentar pentru 12 luni)<\/p>\n<\/li><li><p>10.000 Euro nu vor fi garanta\u021bi dac\u0103 r\u0103m\u00e2n \u00een conturile B\u0103ncii 2, dar pot fi transfera\u021bi c\u0103tre o Banc\u0103 3, pentru a fi \u0219i ei asigura\u021bi<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Desigur, sumele ce au fost prezentate \u00een exemplele de mai sus <strong>sunt unele pur fictive<\/strong>.<\/p>\n\n\n\n<p>\u00cen realitate, pe l\u00e2ng\u0103 toate veniturile, se vor sc\u0103dea \u0219i datoriile pe care clientul le are la institu\u021bia bancar\u0103 respectiv\u0103, \u0219i abia dup\u0103 aceea se va aplica plafonul.<\/p>\n\n\n\n<p><strong>\u00cen cazul conturilor comune,<\/strong> <strong>plafonul va fi dublu<\/strong>. Astfel, depozitul respectiv va avea un plafon general asigurat de c\u0103tre FGDB de 200.000 Euro.<\/p>\n\n\n\n<p><em>Pentru o mai bun\u0103 \u00een\u021belegere a modului de func\u021bionare a fondurilor de garantare, credem c\u0103 te va ajuta \u0219i videoclipul de mai jos:<\/em><\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube aligncenter wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"FGDB - Despre Garantarea Depozitelor (RO)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/Y61LXgsU0tg?start=88&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Au_existat_cazuri_n_care_a_fost_necesar_intervenia_FGDB\">Au existat cazuri \u00een care a fost necesar\u0103 interven\u021bia FGDB<\/h2>\n\n\n\n<p>De-a lungul istoriei, <strong>Fondul de Garantare a Depozitelor Bancare a pl\u0103tit compensa\u021bii pentru 7 b\u0103nci rom\u00e2ne\u0219ti<\/strong><span style=\"text-decoration: underline\">:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table table is-style-fn-tables shortcode-embeddable\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Banca \u00een faliment<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Dat\u0103 faliment<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Nr. clien\u021bi garanta\u021bi<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Nr compensa\u021bii<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Depozite garantate (mil. lei)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Depozite pl\u0103tite (mil. lei)<\/strong><\/th><th>Procent pl\u0103tit (%)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Banca \u201eAlbina\u201d<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">25.09.1999<\/td><td class=\"has-text-align-center\" data-align=\"center\">33.528<\/td><td class=\"has-text-align-center\" data-align=\"center\">24.461<\/td><td class=\"has-text-align-center\" data-align=\"center\">36.1<\/td><td class=\"has-text-align-center\" data-align=\"center\">36<\/td><td>99.72<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Bankcoop<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">08.02.2000<\/td><td class=\"has-text-align-center\" data-align=\"center\">467.993<\/td><td class=\"has-text-align-center\" data-align=\"center\">197.252<\/td><td class=\"has-text-align-center\" data-align=\"center\">275.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">273.23<\/td><td>99.22<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Banca Religiilor<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">10.07.2000<\/td><td class=\"has-text-align-center\" data-align=\"center\">284.121<\/td><td class=\"has-text-align-center\" data-align=\"center\">102.787<\/td><td class=\"has-text-align-center\" data-align=\"center\">187.7<\/td><td class=\"has-text-align-center\" data-align=\"center\">186.15<\/td><td>99.18<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Banca Rom\u00e2n\u0103 de Scont<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">16.04.2002<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.871<\/td><td class=\"has-text-align-center\" data-align=\"center\">229<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.87<\/td><td>87<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Banca Turco-Rom\u00e2n\u0103<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">03.07.2002<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.026<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.724<\/td><td class=\"has-text-align-center\" data-align=\"center\">18<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.88<\/td><td>86.65<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Banca \u201eColumna\u201d<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">18.03.2003<\/td><td class=\"has-text-align-center\" data-align=\"center\">171<\/td><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.1<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.02<\/td><td>20<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><em>Nova Bank<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">09.11.2006<\/td><td class=\"has-text-align-center\" data-align=\"center\">108<\/td><td class=\"has-text-align-center\" data-align=\"center\">10<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.03<\/td><td>15<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>797.818<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>327.465<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>518.6<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>512.24<\/strong><\/td><td>&#8211;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Din cei 797.818 deponen\u021bi ce se reg\u0103seau pe listele de plat\u0103 a compensa\u021biilor, 470.353 nu au solicitat sumele cuvenite, echivalentul a 59 % din total.<\/p>\n\n\n\n<p>Cu toate c\u0103 Fondul de Garantare a transmis o mul\u021bime de comunicate \u0219i a f\u0103cut anun\u021buri repetate prin intermediul mass-media, respectivii deponen\u021bi nu au solicitat recuperarea crean\u021belor \u00een termenul limit\u0103.<\/p>\n\n\n\n<p>Din totalul sumelor din conturile deponen\u021bilor, <strong>cele nerevendicate se ridic\u0103 la 6.4 mil. lei<\/strong>, echivalentul a 1.2 % din totalul compensa\u021biilor din listele de plat\u0103.<\/p>\n\n\n\n<p>\u00cen jur de 94 % din depozitele nerevendicate de c\u0103tre clien\u021bi aveau mai pu\u021bin de 10 lei, iar acesta poate fi \u0219i motivul pentru care titularii nu au dorit s\u0103 \u00ee\u0219i mai bat\u0103 capul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"n_ct_timp_se_face_plata\">\u00cen c\u00e2t timp se face plata?<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2021\/01\/consolidate-loans.png\" alt=\"fonduri de garantare\" class=\"wp-image-15048\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/consolidate-loans.png 500w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/consolidate-loans-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/consolidate-loans-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/consolidate-loans-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>Fondul de Garantare se oblig\u0103 s\u0103 fac\u0103 transferul c\u0103tre clien\u021bi <strong>\u00een cel mult 7 zile lucr\u0103toare<\/strong> de la data \u00een care depozitele au fost declarate indisponibile.<\/p>\n\n\n\n<p><em><strong>Dar aten\u021bie!<\/strong><\/em> Dreptul deponen\u021bilor de a-\u0219i primi compensa\u021biile cuvenite <strong>se prescrie \u00een termen de 5 ani<\/strong> de la data la care FGDR a pus compensa\u021biile la dispozi\u021bia clien\u021bilor.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Ce este Fondul de Garantare?<\/h4><div class=\"faq_inner\"><p>Fondul de Garantare a Depozitelor Bancare este un sistem ce ofer\u0103 protec\u021bie depunerilor popula\u021biei. Altfel spus, acest fond are misiunea de a garanta <a href=\"https:\/\/financer.com\/ro\/economii\/dobanzi-depozite\/\">depozitele <\/a>\u0219i <a href=\"https:\/\/financer.com\/ro\/economii\/cont-de-economii\/\">conturile de economii<\/a> ale persoanelor ce au astfel de instrumente financiare deschise la oricare dintre institu\u021biile participante la Fond.<\/p><\/div><h4>Cine particip\u0103 la Fondul de Garantare?<\/h4><div class=\"faq_inner\"><p>Toate institu\u021biile de credit din Rom\u00e2nia autorizate de c\u0103tre Banca Na\u021bional\u0103 a Rom\u00e2niei trebuie s\u0103 participe la acest Fond pentru a putea func\u021biona pe teritoriul \u021b\u0103rii noastre. \u00cen prezent, 26 de institu\u021bii sunt parte a fondului.<\/p><\/div><h4>Ce instrumente financiare sunt asigurate?<\/h4><div class=\"faq_inner\"><p>FGDB asigur\u0103 toate depozitele deschise la institu\u021biile financiare participante la Fond. Astfel, aproape 87 % din depozitele la termen, conturile curente, cele de economii, conturile de card sau comune din Rom\u00e2nia sunt garantate.<\/p><\/div><h4>Care este plafonul de garantare?<\/h4><div class=\"faq_inner\"><p>Orice persoan\u0103 fizic\u0103 are garantat\u0103 o sum\u0103 de 100.000 Euro (sau echivalent\u0103 \u00een lei sau alte valute) per fiecare banc\u0103.<\/p><\/div><h4>Se poate s\u0103 \u00eemi fie asigurat\u0103 o sum\u0103 mai mic\u0103 dec\u00e2t cea din cont?<\/h4><div class=\"faq_inner\"><p>Ei bine, da. Dac\u0103 tu ai \u00een contul unei b\u0103nci 125.000 Euro \u00een momentul \u00een care respectiva institu\u021bie financiar\u0103 d\u0103 faliment, Fondul \u00ee\u021bi va pl\u0103ti \u00eenapoi doar 100.000 Euro, iar pe restul de 25.000 \u00eei vei pierde.<\/p>\n<p>Pe de alt\u0103 parte, dac\u0103 ai \u00een conturile mai multor b\u0103nci un total de 400.000 Euro, dar per fiecare banc\u0103 nu dep\u0103\u0219e\u0219ti echivalentul a 100.000 Euro, \u00eentregile sume \u00ee\u021bi vor fi garantate.<\/p><\/div><h4>S-a \u00eent\u00e2mplat p\u00e2n\u0103 acum s\u0103 fie nevoie de interven\u021bia FGDB?<\/h4><div class=\"faq_inner\"><p>Da, p\u00e2n\u0103 acum Fondul de Garantare a fost implicat \u00een plata desp\u0103gubirilor c\u0103tre clien\u021bii a 7 b\u0103nci din Rom\u00e2nia, dintre ele cele mai cunoscute cazuri fiind cele ale B\u0103ncii \u201eAlbina\u201d, Bankcoop \u0219i Banca Religiilor.<\/p><\/div><h4>\u00cen c\u00e2t timp dup\u0103 falimentul unei b\u0103nci \u00ee\u021bi vei primi banii?<\/h4><div class=\"faq_inner\"><p>\u00cen cazul \u00een care o banc\u0103 d\u0103 faliment, FGDB se angajeaz\u0103 s\u0103 fac\u0103 transferul sumelor datorate \u00een termen de 7 zile lucr\u0103toare de la data c\u00e2nd depozitele au fost declarate indisponibile.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_trebuie_s_reinem\">Ce trebuie s\u0103 re\u021binem<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p>Orice deponent are un plafon general de garantare de 100.000 Euro \u0219i este eligibil pentru unul suplimentar pentru 12 luni de \u00eenc\u0103 100.000 Euro<\/p>\n<\/li><li><p>Dac\u0103 ai mai multe conturi deschise la aceea\u0219i banc\u0103, trebuie ca suma total\u0103 a banilor s\u0103 nu dep\u0103\u0219easc\u0103 nivelul maxim de 100.000 Euro<\/p>\n<\/li><li><p>Dac\u0103 ai mai multe conturi deschise la b\u0103nci diferite, fiecare dintre ele va fi garantat p\u00e2n\u0103 la 100.000 Euro (orice client este garantat cu 100.000 Euro\/ banc\u0103)<\/p>\n<\/li><li><p>Pentru cei care au sume mai mari de 100.000 Euro \u00een conturi, diferen\u021ba dintre sumele de\u021binute \u0219i plafonul general nu va fi asigurat\u0103<\/p>\n<\/li><li><p>Dac\u0103 ai datorii, acestea se scad din suma depozitelor, iar rezultatul, dac\u0103 este mai mic de plafonul impus, va fi asigurat\u0103<\/p>\n<\/li><li><p>Dac\u0103 ai un cont comun cu cineva, atunci limita este dubl\u0103, de 200.000 Euro<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Sper\u0103m c\u0103 acest articol te-a ajutat s\u0103 \u00een\u021belegi mai bine cum func\u021bioneaz\u0103 Fondul de Garantare. <\/p>\n\n\n\n<p>Dac\u0103 totu\u0219i mai ai \u00eentreb\u0103ri cu privire la serviciile oferite de ace\u0219tia, cel mai probabil vei putea g\u0103si r\u0103spuns pentru ele <a href=\"https:\/\/www.fgdb.ro\/pagini\/pentru-deponenti\/intrebari-frecvente\">aici<\/a>.<\/p>\n","protected":false},"author":77,"featured_media":11062,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1120],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki\/2208"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/wiki"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=2208"}],"version-history":[{"count":31,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki\/2208\/revisions"}],"predecessor-version":[{"id":17082,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki\/2208\/revisions\/17082"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/11062"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=2208"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=2208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}