{"id":16333,"date":"2021-09-15T12:27:15","date_gmt":"2021-09-15T12:27:15","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/totul-despre-rib-definitie-si-utilizare"},"modified":"2025-03-03T16:29:23","modified_gmt":"2025-03-03T16:29:23","slug":"totul-despre-rib-definitie-si-utilizare","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/totul-despre-rib-definitie-si-utilizare","title":{"rendered":"Totul despre RIB: defini\u021bie \u0219i utilizare"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">G\u00e2nde\u0219te-te la RIB (<\/span><i><span style=\"font-weight: 400\">Relev\u00e9 d&#8217;Identit\u00e9 Bancaire)<\/span><\/i> <span style=\"font-weight: 400\">ca la cartea de identitate a contului t\u0103u bancar. Dar ce informa\u021bii con\u021bine exact acesta? La ce folose\u0219te \u0219i de unde s\u0103-l ob\u021bii? Aici la TransferGo \u021bi-am preg\u0103tit tot ce trebuie s\u0103 \u0219tii.<\/span><\/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=\"#ce-este\">Ce este?<\/a><\/li><li class=\"\"><a href=\"#la-ce-se-folose\u0219te\">La ce se folose\u0219te?<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#poate-fi-utilizat-in-scopuri-frauduloase\">Poate fi utilizat \u00een scopuri frauduloase?<\/a><\/li><li class=\"\"><a href=\"#rib-\u0219i-iban-care-este-diferen\u021ba\">RIB \u0219i IBAN: care este diferen\u021ba?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ce-este\"><span style=\"font-weight: 400\">Ce este?<\/span><\/h3>\n\n\n\n<p><i><span style=\"font-weight: 400\">Relev\u00e9 d&#8217;Identit\u00e9 Bancaire<\/span><\/i><span style=\"font-weight: 400\"> este o declara\u021bie de identitate bancar\u0103. Acest num\u0103r face posibil\u0103 identificarea precis\u0103 a unui <a href=\"https:\/\/www.transfergo.com\/ro\/cum-se-deschide-un-cont-bancar-franta\/\">cont bancar<\/a>. Cum anume? <i><span style=\"font-weight: 400\">Relev\u00e9 d&#8217;Identit\u00e9 Bancaire<\/span><\/i> con\u021bine o serie de informa\u021bii importante, inclusiv detaliile de localizare ale contului \u0219i ale titularului acestuia:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>numele<\/b><span style=\"font-weight: 400\">, <\/span><b>prenumele<\/b><span style=\"font-weight: 400\"> titularului sau numele firmei, dac\u0103 este cazul (<\/span><i><span style=\"font-weight: 400\">titulaire de compte<\/span><\/i><span style=\"font-weight: 400\">)<\/span><\/li>\n\n\n\n<li><b>num\u0103rul R.I.B<\/b><span style=\"font-weight: 400\"> format din:&nbsp;<\/span>\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">codul b\u0103ncii (<\/span><i><span style=\"font-weight: 400\">code banque<\/span><\/i><span style=\"font-weight: 400\">) (5 cifre)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">codul de agen\u021bie (<\/span><i><span style=\"font-weight: 400\">code guichet<\/span><\/i><span style=\"font-weight: 400\">) (5 cifre)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">num\u0103rul de cont (<\/span><i><span style=\"font-weight: 400\">numero de compte<\/span><\/i><span style=\"font-weight: 400\">) (11 cifre sau litere)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">cheia RIB (<\/span><i><span style=\"font-weight: 400\">cl\u00e9 RIB<\/span><\/i><span style=\"font-weight: 400\">) (2 cifre)<\/span><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><b>locul de deschidere al contului<\/b><span style=\"font-weight: 400\"> (<\/span><i><span style=\"font-weight: 400\">domiciliation bancaire<\/span><\/i><span style=\"font-weight: 400\">) (numele b\u0103ncii \u0219i al agen\u021biei)<\/span><\/li>\n\n\n\n<li><b>num\u0103rul IBAN (International Bank Account Number)<\/b><span style=\"font-weight: 400\">: compus din 27 cifre. Acesta este num\u0103rul interna\u021bional al contului. \u00cencepe cu identificatorul \u021b\u0103rii (FR pentru Fran\u021ba), se termin\u0103 cu cheia RIB \u0219i include codurile bancare, sucursala \u0219i num\u0103rul de cont. <\/span><a href=\"https:\/\/selectra.info\/finance\/guides\/comprendre\/iban\" target=\"_blank\" rel=\"noopener\"><b>IBAN<\/b><\/a><b> este num\u0103rul utilizat pentru a primi sau emite transferuri.<\/b><\/li>\n\n\n\n<li><b>codul BIC (Business Identifier Code)<\/b><span style=\"font-weight: 400\">: compus din \u00eentre 8 \u0219i 11 caractere. Acesta este codul de identificare interna\u021bional al b\u0103ncii.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"has-small-font-size\"><em>\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.&nbsp;<\/em><em>Transfer\u0103 bani simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare<\/em><em>&nbsp;exagerate \u00een Rom\u00e2nia \u0219i nu numai.<\/em><\/p>\n\n\n\n<p><strong>Iat\u0103 \u0219i un exemplu de RIB:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image alignleft\"><a href=\"\/wp-content\/uploads\/blogimages\/ro\/2021\/09\/EXEMPLE-RIB-2.jpg.crdownload.jpg\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/blogimages\/ro\/2021\/09\/EXEMPLE-RIB-2.jpg.crdownload-300x272.jpg\" alt=\"\" class=\"wp-image-4772\"\/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"-1\"><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"-2\"><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"la-ce-se-folose\u0219te\"><span style=\"font-weight: 400\">La ce se folose\u0219te?<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Este necesar at\u00e2t pentru a primi un transfer \u00een cont, c\u00e2t \u0219i pentru a putea face unul. De exemplu, angajatului t\u0103u \u00eei vei da RIB-ul contului pe care vrei s\u0103-\u021bi prime\u0219ti salariul. La fel, ca s\u0103 prime\u0219ti asisten\u021b\u0103 din partea <a href=\"https:\/\/www.caf.fr\/\" target=\"_blank\" rel=\"noopener\">CAF<\/a>, <a href=\"https:\/\/www.pole-emploi.fr\/accueil\/\" target=\"_blank\" rel=\"noopener\">P\u00f4le Emploi<\/a>, Securitate social\u0103 sau <a href=\"https:\/\/www.msa.fr\/lfp\" target=\"_blank\" rel=\"noopener\">MSA<\/a> (Mutualit\u00e9 Social Agricole) \u00eentr-un mod automatizat, trebuie s\u0103 ai RIB.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Permite, de asemenea, efectuarea de pl\u0103\u021bi automate, regulate, pentru: chirie, factura de electricitate, asigur\u0103ri, rambursare lunar\u0103 a unui credit etc. Tot ce trebuie s\u0103 faci este s\u0103 furnizezi detaliile bancare furnizorului de servicii\/institu\u021biei. Apoi vei semna un mandat de debit direct (SEPA \u00een majoritatea cazurilor) prin care \u00ee\u021bi dai acordul ca banii s\u0103 fie retra\u0219i automat din contul t\u0103u bancar la date stabilite.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/www.transfergo.com\/ro\/wp-content\/uploads\/2021\/09\/totul-despre-rib-definitie-si-utilizare.jpg?resize=1024,576\" alt=\"\" class=\"wp-image-167965\" srcset=\"https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/totul-despre-rib-definitie-si-utilizare.jpg 1920w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/totul-despre-rib-definitie-si-utilizare.jpg?resize=300,169 300w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/totul-despre-rib-definitie-si-utilizare.jpg?resize=768,432 768w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/totul-despre-rib-definitie-si-utilizare.jpg?resize=1024,576 1024w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/totul-despre-rib-definitie-si-utilizare.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"de-unde-il-po\u021bi-afla\">De <strong>unde \u00eel po\u021bi afla?\u00a0<\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400\">Poate fi aflat prin mai multe moduri. Iat\u0103 unde \u00eel po\u021bi g\u0103si:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">pe ultimele pagini ale carnetului de cecuri<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">pe extrasul de cont<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">\u00een casieria automat\u0103 (DAB) a b\u0103ncii la care este deschis contul<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">la un bancomat automat (ATM) sau la o agen\u021bie fizic\u0103<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">pe site-ul b\u0103ncii sau pe aplica\u021bia mobil\u0103 a b\u0103ncii<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"cum-prime\u0219ti-numarul-releve-d-identite-bancaire\"><span style=\"font-weight: 400\">Cum prime\u0219ti num\u0103rul <i><span style=\"font-weight: 400\">Relev\u00e9 d&#8217;Identit\u00e9 Bancaire<\/span><\/i>?<\/span><\/h4>\n\n\n\n<p><span style=\"font-weight: 400\">\u00ce\u021bi este este comunicat de banc\u0103 odat\u0103 cu deschiderea contului \u00eentr-o loca\u021bie fizic\u0103. \u00cel vei g\u0103si pe documentele contractuale legate de cont (acordul bancar de deschidere de cont). \u00cen caz contrar, \u00eel po\u021bi afla printr-unul din mijloacele enumerate mai sus.<\/span><\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>La TransferGo, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een &nbsp; siguran\u021b\u0103 la cei dragi.<\/em>&nbsp;<em>\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru Rom\u00e2nia!&nbsp;<\/em><em>Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/em><em>&nbsp;\u0219i al\u0103tur\u0103-te celor peste 3,5 milioane de utilizatori din \u00eentreaga lume!<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"poate-fi-utilizat-in-scopuri-frauduloase\"><strong>Poate fi utilizat \u00een scopuri frauduloase?<\/strong><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Chiar dac\u0103 de\u021bine informa\u021biile con\u021binute \u00een <i><span style=\"font-weight: 400\">Relev\u00e9 d&#8217;Identit\u00e9 Bancaire<\/span><\/i>, o persoan\u0103 sau o organiza\u021bie nu-l poate folosi \u00een scopuri frauduloase. \u00centr-adev\u0103r, niciun debit direct (extragere de bani), unic sau automat, nu se poate configura f\u0103r\u0103 autorizarea ta.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.transfergo.com\/ro\/wp-content\/uploads\/2021\/09\/iStock-539820408-300x200.jpg\" alt=\"\" class=\"wp-image-34967\"\/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">A\u0219adar, cu acest num\u0103r nu este posibil s\u0103 se fac\u0103 retrageri f\u0103r\u0103 autorizarea titularului contului.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rib-\u0219i-iban-care-este-diferen\u021ba\"><span style=\"font-weight: 400\">RIB \u0219i IBAN: care este diferen\u021ba?<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">At\u00e2t num\u0103rul <i><span style=\"font-weight: 400\">Relev\u00e9 d&#8217;Identit\u00e9 Bancaire<\/span><\/i> \u0219i num\u0103rul IBAN con\u021bin informa\u021bii de identitate de cont, astfel c\u0103 <\/span><b>ambele permit primirea \u0219i emiterea de transferuri bancare \u0219i debite directe<\/b><span style=\"font-weight: 400\">. IBAN, acronim pentru International Bank Account Number (<\/span><i><span style=\"font-weight: 400\">num\u00e9ro international de compte bancaire<\/span><\/i><span style=\"font-weight: 400\"> \u00een francez\u0103) poate fi utilizat \u00een Fran\u021ba \u0219i \u00een str\u0103in\u0103tate, \u00een timp ce <\/span><b><i><span style=\"font-weight: 400\">Relev\u00e9 d&#8217;Identit\u00e9 Bancaire<\/span><\/i> este specific Fran\u021bei<\/b><span style=\"font-weight: 400\">.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Pentru c\u0103 RIB con\u021bine num\u0103rul contului, precum \u0219i alte informa\u021bii de identificare bancar\u0103, acesta face posibil\u0103 determinarea num\u0103rului IBAN. Num\u0103rul IBAN al contului bancar este compus din acelea\u0219i elemente, dar a\u0219ezate \u00eentr-o ordine diferit\u0103.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Codul BIC, care \u00eenso\u021be\u0219te de obicei IBAN, este identificatorul interna\u021bional al b\u0103ncii \u00een care este domiciliat contul bancar.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>G\u00e2nde\u0219te-te la RIB (Relev\u00e9 d&#8217;Identit\u00e9 Bancaire) ca la cartea de identitate a contului t\u0103u bancar. Dar ce informa\u021bii con\u021bine exact acesta? La ce folose\u0219te \u0219i de unde s\u0103-l ob\u021bii? Aici la TransferGo \u021bi-am preg\u0103tit tot ce trebuie s\u0103 \u0219tii. Ce este? Relev\u00e9 d&#8217;Identit\u00e9 Bancaire este o declara\u021bie de identitate bancar\u0103. Acest num\u0103r face posibil\u0103 identificarea [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":34978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1311,1310,1322],"tags":[],"business_case_studies_tags":[],"class_list":["post-16333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conturi-bancare","category-finante-personale","category-viata-in-strainatate"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/ro\/totul-despre-rib-definitie-si-utilizare","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Totul despre RIB: defini\u021bie \u0219i utilizare","url":"http:\/\/www.transfergo.com\/ro\/totul-despre-rib-definitie-si-utilizare","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/totul-despre-rib-definitie-si-utilizare"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/banque-sign.jpg_s1024x1024wisk20cHoXYdWY5wOleEd8F2YTHDiqF4rppfHzuJtlzHV6EbNk.jpg?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/banque-sign.jpg_s1024x1024wisk20cHoXYdWY5wOleEd8F2YTHDiqF4rppfHzuJtlzHV6EbNk.jpg"},"articleSection":"Conturi bancare","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2021-09-15T12:27:15Z","datePublished":"2021-09-15T12:27:15Z","dateModified":"2025-03-03T16:29:23Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Totul despre RIB: defini\\u021bie \\u0219i utilizare\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/totul-despre-rib-definitie-si-utilizare\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/totul-despre-rib-definitie-si-utilizare\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/banque-sign.jpg_s1024x1024wisk20cHoXYdWY5wOleEd8F2YTHDiqF4rppfHzuJtlzHV6EbNk.jpg?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/banque-sign.jpg_s1024x1024wisk20cHoXYdWY5wOleEd8F2YTHDiqF4rppfHzuJtlzHV6EbNk.jpg\"},\"articleSection\":\"Conturi bancare\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2021-09-15T12:27:15Z\",\"datePublished\":\"2021-09-15T12:27:15Z\",\"dateModified\":\"2025-03-03T16:29:23Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2021\/09\/banque-sign.jpg_s1024x1024wisk20cHoXYdWY5wOleEd8F2YTHDiqF4rppfHzuJtlzHV6EbNk.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16333","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=16333"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16333\/revisions"}],"predecessor-version":[{"id":167976,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16333\/revisions\/167976"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/34978"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=16333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=16333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=16333"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=16333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}