{"id":13952,"date":"2016-11-10T17:03:25","date_gmt":"2016-11-10T17:03:25","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/informatii-bancare"},"modified":"2025-05-15T05:34:07","modified_gmt":"2025-05-15T05:34:07","slug":"informatii-bancare","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/informatii-bancare","title":{"rendered":"Informa\u0163ii bancare"},"content":{"rendered":"\n<p>Dup\u0103 ce v-ati asigurat un loc de munc\u0103, ati g\u0103sit o cas\u0103 \u0219i ati finalizat multe dintre celelalte sarcini care sunt necesare pentru a va muta, ve\u021bi dori probabil, s\u0103 deschideti un cont la o banc\u0103 german\u0103.<\/p>\n\n\n\n<p>Deschiderea unui cont bancar \u00een Germania este destul de u\u0219or. Site-urile web ale marilor b\u0103nci v\u0103 permit s\u0103 aplicati online sau de la distan\u021b\u0103. Cu toate acestea, este mult mai u\u0219or \u0219i mai rapid sa aplicati la sediul unei banci dec\u00e2t online. Acest lucru este valabil mai ales pentru cei care migreaz\u0103 \u00een Germania, pentru ca unele dintre documentele necesare pot fi ob\u021binute numai \u00een Germania.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#documente-necesare\">Documente necesare<\/a><\/li><li class=\"\"><a href=\"#tipuri-de-banci\">Tipuri de B\u0103nci<\/a><\/li><li class=\"\"><a href=\"#tipuri-de-servicii-\u0219i-taxe\">Tipuri de servicii \u0219i taxe<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"documente-necesare\"><strong>Documente necesare<\/strong><\/h2>\n\n\n\n<p>\u00cen general, ave\u021bi nevoie doar pa\u0219aport sau cartea de identitate na\u021bional\u0103 (pentru cet\u0103\u021benii UE), precum \u0219i dovada \u00eenregistr\u0103rii. Dovada \u00eenregistr\u0103rii se nume\u0219te Meldebescheinigung. (To\u021bi reziden\u021bii germani sunt obliga\u021bi s\u0103 isi \u00eenregistreze adresa.) Unele b\u0103nci vor cere o copie a talonului de plat\u0103, sau o declara\u021bie din partea angajatorului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tipuri-de-banci\"><strong>Tipuri de B\u0103nci<\/strong><\/h2>\n\n\n\n<p>B\u0103ncile germane se \u00eempart \u00een trei categorii de baz\u0103; private, cooperative, precum \u0219i de acces public. Toate ofer\u0103 practic acelea\u0219i servicii, cum ar fi conturile personale de baz\u0103 \u0219i servicii bancare comerciale.<\/p>\n\n\n\n<p>Deutsche Bank, Commerzbank, Hypovereinsbank, iar Postbank sunt cele mai mari patru b\u0103nci din Germania. Aceste b\u0103nci au cooperat pentru a forma Grupul de Numerar pentru anumite servicii. Deutsche Bank este de departe cea mai mare \u0219i unul dintre cele mai importante b\u0103nci de afaceri din lume.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tipuri-de-servicii-\u0219i-taxe\"><strong>Tipuri de servicii \u0219i taxe<\/strong><\/h2>\n\n\n\n<p>Toate b\u0103ncile din Grupul de Numerar, precum \u0219i celelalte b\u0103nci ofer\u0103 o gam\u0103 larg\u0103 de servicii bazate pe nevoile clientului. Acestea includ conturi cu carduri de debit, carduri de credit, facturi de plat\u0103 online, asigurari de c\u0103l\u0103torie sau alte avantaje.<\/p>\n\n\n\n<p>Un cont de baz\u0103 care include un card de debit \u0219i servicii bancare online este de obicei oferit gratuit de majoritatea bancilor germane. Pentru servicii suplimentare, cum ar fi asigurarea de c\u0103l\u0103torie sau alte avantaje, este necesar s\u0103 se deschid\u0103 un cont premium, pentru care se percepe o tax\u0103 lunar\u0103. Taxa poate fi de la 5 \u20ac p\u00e2n\u0103 la10 \u20ac pe lun\u0103.<\/p>\n\n\n\n<p>Membrii Grupului de Numerar ofer\u0103 retrageri gratuite la ATM-urile celor patru banci \u0219i posibilitatea de a folosi bancomatele grupului. Taxele pentru utilizarea ATM-uri non-Cash Group pot ajunge la 5 \u20ac pentru fiecare retragere.<\/p>\n\n\n\n<p>B\u0103ncile ofer\u0103, de asemenea, alte servicii, inclusiv transferuri de bani \u0219i, uneori, tranzac\u021bii &#8220;gratuite&#8221; de valuta la ATM. Acesta este un caz in care merita sa faceti putina munca de cercetare. Timp de decenii b\u0103ncile au taxat excesiv clien\u021bii trimiteau bani \u00eenapoi acas\u0103 la familie, pentru a pl\u0103ti facturi, sau cheltuieli de afaceri. Deseori, clien\u021bii pl\u0103tesc chiar \u0219i mai mult din cauza b\u0103ncilor care utilizeaz\u0103 rate de schimb valutar nefavorabile.<\/p>\n\n\n\n<p>Acum, c\u0103 se confrunt\u0103 cu o concuren\u021b\u0103 acerb\u0103 din partea companiilor precum TransferGo, b\u0103ncile \u00eencearc\u0103 s\u0103 induc\u0103 \u00een eroare clien\u021bii. De exemplu, b\u0103ncile care ofer\u0103 transferuri interna\u021bionale &#8220;f\u0103r\u0103 comision&#8221; &nbsp;au de obicei, unele dintre cele mai rele rate de schimb valutar, si acela\u0219i lucru poate fi spus despre pentru tranzac\u021bii externe &#8220;f\u0103r\u0103 tax\u0103&#8221; la ATM.<\/p>\n\n\n\n<p>Cel mai bun sfat este s\u0103 g\u0103siti o banc\u0103 ce este convenabil\u0103 \u0219i care ofer\u0103 toate facilit\u0103\u021bile pe care le dori\u021bi gratuit sau la taxe rezonabile. Pentru transferurile de bani interna\u021bionale v\u0103 puteti baza pe TransferGo pentru costuri reduse, si transferuri la un curs de schimb fix..<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dup\u0103 ce v-ati asigurat un loc de munc\u0103, ati g\u0103sit o cas\u0103 \u0219i ati finalizat multe dintre celelalte sarcini care sunt necesare pentru a va muta, ve\u021bi dori probabil, s\u0103 deschideti un cont la o banc\u0103 german\u0103. Deschiderea unui cont bancar \u00een Germania este destul de u\u0219or. Site-urile web ale marilor b\u0103nci v\u0103 permit s\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":28732,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1311,1310,1312],"tags":[],"business_case_studies_tags":[],"class_list":["post-13952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conturi-bancare","category-finante-personale","category-transferuri-de-bani"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/ro\/informatii-bancare","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Informa\u0163ii bancare","url":"http:\/\/www.transfergo.com\/ro\/informatii-bancare","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/informatii-bancare"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/Informatii-bancare.png?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/Informatii-bancare.png"},"articleSection":"Conturi bancare","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2016-11-10T17:03:25Z","datePublished":"2016-11-10T17:03:25Z","dateModified":"2025-05-15T05:34:07Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Informa\\u0163ii bancare\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/informatii-bancare\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/informatii-bancare\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2016\\\/11\\\/Informatii-bancare.png?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2016\\\/11\\\/Informatii-bancare.png\"},\"articleSection\":\"Conturi bancare\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2016-11-10T17:03:25Z\",\"datePublished\":\"2016-11-10T17:03:25Z\",\"dateModified\":\"2025-05-15T05:34:07Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/Informatii-bancare.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13952","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/comments?post=13952"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13952\/revisions"}],"predecessor-version":[{"id":248382,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13952\/revisions\/248382"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/28732"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=13952"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=13952"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=13952"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=13952"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}