{"id":208538,"date":"2022-09-20T20:28:28","date_gmt":"2022-09-20T20:28:28","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=208538"},"modified":"2022-09-20T20:28:28","modified_gmt":"2022-09-20T20:28:28","slug":"ce-trebuie-sa-stie-toti-romanii-care-si-tin-banii-la-banca-vedeti-aici-toate-detaliile","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=208538","title":{"rendered":"Ce trebuie s\u0103 \u015ftie to\u0163i rom\u00e2nii care-\u015fi \u0163in banii la banc\u0103: Vede\u0163i aici toate detaliile"},"content":{"rendered":"<p>\nConform legii privind schemele de garantare a depozitelor \u015fi Fondul de garantare a depozitelor bancare, depozitele bancare de la b\u0103ncile din Rom\u00e2nia sunt garantate de Fondul de Garantare a Depozitelor Bancare (FGDB), la care \u00een acest an sunt \u00eenscrise 26&nbsp;<span>de institu\u0163ii de credit persoane juridice rom\u00e2ne.<\/span><\/p>\n<p>\nFGDB garantez\u0103, \u00een present, depozitele bancare cu o valoare de p\u00e2n\u0103 la 100.000 de euro, \u00een cazul \u00een care o banc\u0103 intr\u0103 \u00een insolven\u0163\u0103 \u015fi nu mai are posibilitatea de a restitui sumele deponen\u0163ilor. \u00cen acest caz suma depus\u0103 va fi compensat\u0103 prin restituire de c\u0103tre FGDB.<\/p>\n<p>\nLegea nr. 311\/2015 privind schemele de garantare a depozitelor \u015fi Fondul de garantare a depozitelor bancare reglementeaz\u0103 acest aspect.<\/p>\n<p>\nLegea define\u015fte urm\u0103troarele aspecte:<\/p>\n<p>\n\u201cDepozit &#8211; orice sold creditor, inclusiv dob\u00e2nda datorat\u0103, rezultat din fonduri aflate \u00eentr-un cont sau din situa\u0163ii tranzitorii deriv\u00e2nd din opera\u0163iuni bancare curente \u015fi pe care institu\u0163ia de credit trebuie s\u0103 \u00eel ramburseze, potrivit condi\u0163iilor legale \u015fi contractuale aplicabile, inclusiv depozitele la termen \u015fi conturile de economii, care nu se reg\u0103se\u015fte \u00een niciuna dintre situa\u0163iile prev\u0103zute la alin. (5);\u201d.<\/p>\n<p>\nToate b\u0103ncile au obliga\u0163ia legal\u0103 de a participa la o schem\u0103 de garantare a depozitelor, conform informa\u0163iilor de pe site-ul FGDB.<\/p>\n<p>\nB\u0103ncile care au statut de persoan\u0103 juridic\u0103 rom\u00e2n\u0103 particip\u0103 la FGDB.<\/p>\n<p>\nActualmente, particip\u0103 la FGDB 26 de institu\u0163ii de credit persoane juridice rom\u00e2ne, din care 25 de b\u0103nci \u015fi Banca Central\u0103 Cooperatist\u0103 CREDITCOOP (Banca Central\u0103 \u015fi&nbsp;<a>b\u0103ncile cooperatiste afiliate<\/a>), conform informa\u0163iilor de pe site-ul FGDB.<\/p>\n<p>\nLista celor 26 de institu\u0163ii financiare din Rom\u00e2nia&nbsp;(25 de b\u0103nci \u015fi o cooperativ\u0103 bancar\u0103) care particip\u0103 la Fond:<\/p>\n<ul>\n<li>\nAlpha Bank;<\/li>\n<li>\nTechventures Bank;<\/li>\n<li>\nBanca Comercial\u0103 Intesa Sanpaolo Rom\u00e2nia;<\/li>\n<li>\nBanca Comercial\u0103 Rom\u00e2n\u0103;<\/li>\n<li>\nBanca de Export-Import a Rom\u00e2niei Eximbank;<\/li>\n<li>\nBanca Rom\u00e2n\u0103 de Credite \u015fi Investi\u0163ii;<\/li>\n<li>\nBanca Rom\u00e2neasc\u0103, membr\u0103 a Grupului National Bank of Greece;<\/li>\n<li>\nBanca Transilvania;<\/li>\n<li>\nBCR &#8211; Banca pentru Locuin\u0163e;<\/li>\n<li>\nBRD &#8211; Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale;<\/li>\n<li>\nCEC Bank;<\/li>\n<li>\nCredit Agricole Bank Rom\u00e2nia;<\/li>\n<li>\nCredit Europe Bank;<\/li>\n<li>\nFirst Bank;<\/li>\n<li>\nGaranti Bank;<\/li>\n<li>\nIdea Bank;<\/li>\n<li>\nLibra Internet Bank;<\/li>\n<li>\nVista Bank (Rom\u00e2nia);<\/li>\n<li>\nPatria Bank;<\/li>\n<li>\nOTP Bank Rom\u00e2nia;<\/li>\n<li>\nPorsche Bank Rom\u00e2nia;<\/li>\n<li>\nProCredit Bank;<\/li>\n<li>\nAedificium Banca pentru Locuin\u0163e;<\/li>\n<li>\nRaiffeisen Bank;<\/li>\n<li>\nUnicredit Bank;<\/li>\n<li>\nBanca Central\u0103 Cooperatist\u0103 Creditcoop.<\/li>\n<\/ul>\n<p>\nPe l\u00e2ng\u0103 cele 26 de institu\u0163ii financiare din Rom\u00e2nia, FGDB garanteaz\u0103 \u015fi&nbsp; depozitele deschide la institu\u0163iile de credit din Rom\u00e2nia ale institu\u0163iilor de credit din alte state membre UE:<\/p>\n<ul>\n<li>\n<p 0px=\"\" background-color:=\"\" box-sizing:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" sans=\"\" source=\"\">\nDepozitele deschise la sucursalele b\u0103ncilor din state membre ale Uniunii Europene sunt garantate \u00een \u0163\u0103rile de origine. \u00cen Rom\u00e2nia \u00ee\u015fi desf\u0103\u015foar\u0103 activitatea opt astfel de sucursale, conform Registrului Institu\u0163iilor de Credit al BNR, la data 31.07.2020.<\/p>\n<ul background-color:=\"\" box-sizing:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin-bottom:=\"\" margin-top:=\"\" sans=\"\" source=\"\">\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">ING BANK N.V. AMSTERDAM &#8211; Sucursala Bucure\u015fti<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">BANQUE BANORIENT FRANCE S.A. &#8211; Sucursala Rom\u00e2nia<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">CITIBANK EUROPE PLC, DUBLIN &#8211; Sucursala Rom\u00e2nia<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">TBI Bank EAD Sofia &#8211; Sucursala Bucure\u015fti<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">ALIOR BANK SA VAR\u015eOVIA &#8211; Sucursala Bucure\u015fti<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">BNP PARIBAS PERSONAL FRANCE S.A. PARIS &#8211; Sucursala&nbsp;<span box-sizing:=\"\">Bucure<\/span><span box-sizing:=\"\">\u015fti<\/span><\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">BNP Paribas S.A. PARIS &#8211; Sucursala Bucure\u015fti<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">BANK OF CHINA (Central and Eastern Europe) Limited,&nbsp;<span box-sizing:=\"\">Sucursala Bucure<\/span><span box-sizing:=\"\">\u015fti<\/span>&nbsp;*<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">HOIST FINANCE AB (PUBL) STOCKHOLM Sucursala Bucure<span box-sizing:=\"\">\u015fti **<\/span><\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">PKO Bank Polski S.A. Var\u015fovia<\/span>,&nbsp;<span box-sizing:=\"\" font-weight:=\"\">Sucursala Bucure\u015fti<\/span><span box-sizing:=\"\" font-weight:=\"\">***<\/span><\/li>\n<li box-sizing:=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">REVOLUT BANK UAB, Sucursala Rom\u00e2nia*****<\/span><\/li>\n<\/ul>\n<p 0px=\"\" background-color:=\"\" box-sizing:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" sans=\"\" source=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">*<\/span>&nbsp;p\u00e2n\u0103 la data de 20.05.2020 a fost \u00eenscris\u0103 sub denumirea Bank of China (Hungary) Budapesta Sucursala Bucure\u015fti; deschiderea opera\u0163ional\u0103 a sucursalei cel mai t\u00e2rziu la data de 01.09.2020.<\/p>\n<p 0px=\"\" background-color:=\"\" box-sizing:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" sans=\"\" source=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">**&nbsp;<\/span>Sucursala inten\u0163ioneaz\u0103 s\u0103 \u00eenceap\u0103 activitatea la data de 01 septembrie 2020;<\/p>\n<p 0px=\"\" background-color:=\"\" box-sizing:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" sans=\"\" source=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">***&nbsp;<\/span>Sucursala inten\u0163ioneaz\u0103 s\u0103 \u00eenceap\u0103 activitatea la data de 01 ianuarie 2023;<\/p>\n<p 0px=\"\" background-color:=\"\" box-sizing:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" sans=\"\" source=\"\">\n<span box-sizing:=\"\" font-weight:=\"\">****&nbsp;<\/span>Sucursala inten\u0163ioneaz\u0103 s\u0103 \u00eenceap\u0103 activitatea la data de 06 iunie 2023.<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Conform legii privind schemele de garantare a depozitelor \u015fi Fondul de garantare a depozitelor bancare, depozitele bancare de la b\u0103ncile din Rom\u00e2nia sunt garantate de Fondul de Garantare a Depozitelor Bancare (FGDB), la care \u00een acest an sunt \u00eenscrise 26&nbsp;de institu\u0163ii de credit persoane juridice rom\u00e2ne. FGDB garantez\u0103, \u00een present, depozitele bancare cu o valoare [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7267,7736,10862,76,98],"class_list":["post-208538","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-credit","tag-garantare","tag-institutii","tag-romania"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/208538","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=208538"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/208538\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=208538"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=208538"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=208538"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}