{"id":13430,"date":"2016-05-09T07:00:21","date_gmt":"2016-05-09T07:00:21","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/o-sansa-uriasa-pentru-romanii-din-strainatate-diaspora-digitala"},"modified":"2025-05-15T06:26:33","modified_gmt":"2025-05-15T06:26:33","slug":"sansa-uriasa-pentru-romanii-din-strainatate","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/sansa-uriasa-pentru-romanii-din-strainatate","title":{"rendered":"O \u0219ans\u0103 uria\u0219\u0103 pentru rom\u00e2nii din str\u0103in\u0103tate &#8211; Diaspora Digital\u0103"},"content":{"rendered":"\n<p>Am stat de vorb\u0103 \u00eendelung cu rom\u00e2nii pleca\u021bi la munc\u0103 \u00een str\u0103in\u0103tate \u0219i am \u00een\u021beles din conversa\u021biile lor foarte clar un lucru: ace\u0219tia nu sunt obi\u0219nui\u021bi cu faptul c\u0103 \u00ee\u0219i pot administra mult mai bine banii folosind internetul de pe calculator sau de pe telefonul mobil. Rom\u00e2nii fie au reticen\u021be \u00een a folosi serviciile financiare online, fie \u00eent\u00e2mpin\u0103 probleme pe m\u0103sur\u0103 ce \u00eencep s\u0103 le foloseasc\u0103.<\/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=\"#banii-cash-sunt-scumpi\">Banii cash sunt scumpi<\/a><\/li><li class=\"\"><a href=\"#verificare-\u0219i-incredere\">Verificare\u00a0\u0219i\u00a0\u00eencredere<\/a><ul><li class=\"\"><a href=\"#cu-transfer-go-ai-grija-de-cei-dragi-oriunde-s-ar-afla\">Cu TransferGo, ai grij\u0103 de cei dragi, oriunde s-ar afla<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"banii-cash-sunt-scumpi\">Banii cash sunt scumpi<\/h2>\n\n\n\n<p>\u0218i nu e vorba doar de serviciile financiare, rom\u00e2nii din str\u0103in\u0103tate, dar \u0219i rom\u00e2nii \u00een general nu sunt obi\u0219nui\u021bi s\u0103 cumpere\u00a0online. Dup\u0103\u00a0ultimele statistici europene publicate de Eurostat in martie 2015, doar 6% dintre romanii cu varste intre 16 si 74 de ani au facut o comanda online in ultimele trei luni. In Europa, media este de 41%.\u00a0Cele mai mari piedici\u00a0sunt neincrederea in serviciile\u00a0online \u0219i \u00een furnizarea datelor de card pe Internet.<\/p>\n\n\n\n<p>Din cauza acestei ne\u00eencrederi, <strong>familiile de acas\u0103 pierd peste 100 de milioane de euro anual din sumele trimise de rudele din str\u0103in\u0103tate prin metode tradi\u021bionale \u0219i scumpe<\/strong>. Pl\u0103tesc comisioane semnificativ mai mari dec\u00e2t prin transferurile online prin companii specializate, iar cursul de schimb e la fel de dezavantajos ca \u00een aeroport.<\/p>\n\n\n\n<p>Rom\u00e2nia este pe locul 5 \u00een topul \u021b\u0103rilor ce primesc bani din afar\u0103, dup\u0103 Ucraina, Polonia, Ungaria \u0219i Serbia. Anul trecut, rom\u00e2nii din Italia, Spania, Germania, Ungaria, SUA, Israel, UK, Canada, Austria \u0219i Fran\u021ba au trimis \u00een \u021bar\u0103 peste 5 miliarde de dolari, echivalentul a 2% din produsul intern brut al Rom\u00e2niei. \u00cens\u0103 ei folosesc preponderent servicii pe baz\u0103 de cash sau direct prin banc\u0103.&nbsp;Companiile de transfer de bani obi\u0219nuite sau transferurile interna\u021bionale direct prin b\u0103nci sunt fie lente, fie scumpe, fie lente \u0219i scumpe.<\/p>\n\n\n\n<p>Noi \u0219tim c\u00e2t de importan\u021bi sunt ace\u0219ti bani pentru c\u0103 ace\u0219tia ajung la familiile celor pleca\u021bi \u00een str\u0103in\u0103tate \u0219i se \u00eentorc \u00een economie prin consum direct, pentru traiul de zi cu zi, sau prin achizi\u021biile pe care ace\u0219tia le fac, respectiv prin taxele \u0219i impozitele pe care le pl\u0103tesc pentru bunurile de\u021binute \u00een Rom\u00e2nia.&nbsp;Din acest motiv a ap\u0103rut TransferGo, care percepe un comision fix redus, curs de schimb excelent, totul \u00een limba rom\u00e2n\u0103. Cu TransferGo banii ajung \u00eentr-o zi lucr\u0103toare moneda aleas\u0103, cu costuri minime, direct \u00een contul bancar al familiei sau prietenilor.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>De exemplu, dac\u0103 Marian lucreaz\u0103 \u00een Anglia \u0219i \u00eei trimite Corinei \u00een Rom\u00e2nia \u00een fiecare lun\u0103 500 de lire sterline, iar Corina ar calcula c\u00e2t prime\u0219te ea \u0219i c\u00e2t r\u0103m\u00e2ne companiilor de transfer de bani, ar constata c\u0103 \u00eentr-un an, Marian a pl\u0103tit 400 de lire doar comisioanele. Cu TransferGo, Marian \u0219i-ar putea lua o&nbsp;de ma\u0219in\u0103 la m\u00e2na a doua \u00een doi ani cu banii economisi\u021bi din comisioane.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Mai mult dec\u00e2t at\u00e2t,&nbsp;<strong>banii cash sunt de fapt scumpi \u0219i dac\u0103 nu trebuie s\u0103 \u00eei transferi<\/strong>. Ei nu produc dob\u00e2nd\u0103, spre deosebire de banii \u021binu\u021bi \u00een cont \u00een Marea Britanie, unde unele b\u0103nci&nbsp;ofer\u0103 pana la 4% dob\u00e2nd\u0103 f\u0103r\u0103 s\u0103 faci nimic. Dac\u0103 vrei s\u0103 \u00ee\u021bi cumperi o cas\u0103, b\u0103ncile se vor uita la istoricul t\u0103u bancar, iar dac\u0103 nu folose\u0219ti cardul dec\u00e2t ca s\u0103 sco\u021bi bani de la bancomat s-ar putea s\u0103 fie mai greu s\u0103 ob\u021bii un credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"verificare-\u0219i-incredere\">Verificare&nbsp;\u0219i&nbsp;\u00eencredere<\/h2>\n\n\n\n<p>Siguran\u021ba e foarte important\u0103, at\u00e2t online c\u00e2t \u0219i c\u00e2nd trimi\u021bi bani cash. Dac\u0103 folose\u0219ti&nbsp;bani obi\u0219nui\u021bi&nbsp;ai riscurile de jaf, at\u00e2t la trimitere, c\u00e2t \u0219i la primire, dar \u0219i \u00een momentul \u00een care faci plata.&nbsp;Pe internet&nbsp;e mult mai simplu \u0219i mai sigur. Dar e important \u0219i aici s\u0103 verifici cu cine trimi\u021bi banii sau cui \u00eei pl\u0103te\u0219ti online. Verific\u0103 website-ul sau aplica\u021bia \u00een care \u00ee\u021bi \u00eencarci datele personale. 5 minute petrecute pe site-urile care trebuie pot s\u0103 te scuteasc\u0103 de stres sau de riscuri. Noi am str\u00e2ns c\u00e2teva din cele mai frecvente locuri \u00een care e bine s\u0103 te ui\u021bi dac\u0103 nu ai \u00eencredere \u00een serviciile financiare online:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ia leg\u0103tura cu autorit\u0103\u021bile de supraveghere financiar\u0103 &#8211; exemplu: FCA \u00een Marea Britanie, ASF \u00een Rom\u00e2nia etc.<\/li>\n\n\n\n<li>Ia leg\u0103tura cu autorit\u0103t\u021ble comerciale &#8211; HMRC \u00een Marea Britanie, Registrul Comer\u021bului \u00een Rom\u00e2nia etc.<\/li>\n\n\n\n<li>\u00centreab\u0103 \u00een jurul t\u0103u dac\u0103 cineva a auzit sau a folosit compania respectiv\u0103 sau mijocul de plat\u0103 pe care aceasta \u00eel propune<\/li>\n\n\n\n<li>Intr\u0103 pe forumuri, bloguri sau siteuri de recenzii \u0219i compara\u021bii &#8211; afl\u0103 de acolo ce spun oamenii care au testat produsul \u00eenaintea ta<\/li>\n\n\n\n<li>Ai grij\u0103 ca site-ul s\u0103 foloseasc\u0103 o conexiune sigur\u0103 &#8211; bara de navigare trebuie s\u0103 con\u021bin\u0103 HTTPS:\/\/ \u0219i un certificat verde care atest\u0103 faptul c\u0103 siteul e sigur<\/li>\n\n\n\n<li>Nu \u00een ultimul r\u00e2nd, sun\u0103 compania cu care vrei s\u0103 faci tranzac\u021bia. Vezi cu reac\u021bioneaz\u0103, dac\u0103 r\u0103spund, ce \u00ee\u021bi spun<\/li>\n<\/ul>\n\n\n\n<p>Noi ne-am propus s\u0103 aducem c\u00e2t mai mul\u021bi rom\u00e2ni mai aproape de serviciile financiare online \u0219i s\u0103 construim <strong>o funda\u021bie trainic\u0103 pentru diaspora digital\u0103<\/strong>. Prin ei \u0219i datorit\u0103 lor schimbarea se va amplifica \u0219i \u00een Rom\u00e2nia \u0219i \u00eempreun\u0103 vom p\u0103\u0219i c\u0103tre o lume mai modern\u0103, mai rapid\u0103 \u0219i cu servicii mai de calitate.<\/p>\n\n\n\n<p>Merit\u0103m s\u0103 fim \u00een r\u00e2nd cu restul cet\u0103\u021benilor din Uniunea European\u0103 \u0219i pentru ca acest lucru s\u0103 devin\u0103 realitate, trebuie cu to\u021bii s\u0103 contribuim la educa\u021bia financiar\u0103 a celor din jurul nostru.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cu-transfer-go-ai-grija-de-cei-dragi-oriunde-s-ar-afla\">Cu TransferGo, ai grij\u0103 de cei dragi, oriunde s-ar afla<\/h3>\n\n\n\n<p>Chiar dac\u0103 e\u0219ti departe de cas\u0103, este important s\u0103 ai grij\u0103 de s\u0103n\u0103tatea \u0219i siguran\u021ba ta \u2013 dar \u0219i de stabilitatea financiar\u0103 a celor dragi. Cu <strong><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/\">TransferGo<\/a><\/strong>, po\u021bi trimite bani rapid, sigur \u0219i cu costuri reduse c\u0103tre familia ta din Rom\u00e2nia sau alte \u021b\u0103ri europene. Fie c\u0103 este vorba de acoperirea unei urgen\u021be medicale, a costurilor de trai sau a altor nevoi urgente, TransferGo \u00ee\u021bi este al\u0103turi la fiecare pas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Am stat de vorb\u0103 \u00eendelung cu rom\u00e2nii pleca\u021bi la munc\u0103 \u00een str\u0103in\u0103tate \u0219i am \u00een\u021beles din conversa\u021biile lor foarte clar un lucru: ace\u0219tia nu sunt obi\u0219nui\u021bi cu faptul c\u0103 \u00ee\u0219i pot administra mult mai bine banii folosind internetul de pe calculator sau de pe telefonul mobil. Rom\u00e2nii fie au reticen\u021be \u00een a folosi serviciile financiare [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13431,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310,1314],"tags":[],"business_case_studies_tags":[],"class_list":["post-13430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale","category-stiri"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/07-logo.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/13430","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/comments?post=13430"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/13430\/revisions"}],"predecessor-version":[{"id":248515,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/13430\/revisions\/248515"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/13431"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=13430"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=13430"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=13430"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=13430"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}