{"id":15011,"date":"2017-12-18T17:29:33","date_gmt":"2017-12-18T17:29:33","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/ce-este-codul-swift"},"modified":"2025-03-07T13:27:57","modified_gmt":"2025-03-07T13:27:57","slug":"ce-este-codul-swift","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/ce-este-codul-swift","title":{"rendered":"Ce este codul SWIFT?"},"content":{"rendered":"\n<p>\u00cen era digital\u0103, transferurile interna\u021bionale de bani au devenit rapide \u0219i eficiente datorit\u0103 unor standarde bancare globale. Codul SWIFT, cunoscut \u0219i sub denumirea de cod BIC, este un element esen\u021bial al acestor tranzac\u021bii. Dar ce este SWIFT, cum \u00eel po\u021bi g\u0103si \u0219i de ce este at\u00e2t de important pentru transferurile bancare interna\u021bionale? Afl\u0103 \u00een acest ghid actualizat pentru 2025.<\/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-codul-\u0219i-cum-func\u021bioneaza\">Ce este codul \u0219i cum func\u021bioneaz\u0103?<\/a><\/li><li class=\"\"><a href=\"#cum-afli-care-este-codul-swift-al-bancii-tale\">Cum afli care este codul SWIFT al b\u0103ncii tale?<\/a><\/li><li class=\"\"><a href=\"#de-ce-sunt-importante-codurile-swift-pentru-transferurile-bancare\">De ce sunt importante codurile SWIFT pentru transferurile bancare?<\/a><\/li><li class=\"\"><a href=\"#bic-este-acela\u0219i-lucru-cu-swift\">BIC este acela\u0219i lucru cu SWIFT?<\/a><\/li><li class=\"\"><a href=\"#cum-sa-folose\u0219ti-corect-codul-swift-pentru-un-transfer-interna\u021bional\">Cum s\u0103 folose\u0219ti corect codul SWIFT pentru un transfer interna\u021bional?<\/a><\/li><li class=\"\"><a href=\"#cum-s-a-schimbat-sistemul-swift-in-2025\">Cum s-a schimbat sistemul SWIFT \u00een 2025?<\/a><\/li><li class=\"\"><a href=\"#concluzie-de-ce-ai-nevoie-de-un-cod-swift\">Concluzie: De ce ai nevoie de un cod SWIFT?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ce-este-codul-\u0219i-cum-func\u021bioneaza\"><strong>Ce este codul \u0219i cum func\u021bioneaz\u0103?<\/strong><\/h2>\n\n\n\n<p>SWIFT este prescurtarea pentru \u201e<a href=\"https:\/\/www.swift.com\/\" target=\"_blank\" rel=\"noopener\">Society for Worldwide Interbank Financial Telecommunication<\/a>\u201d, o re\u021bea global\u0103 care faciliteaz\u0103 comunica\u021biile sigure \u00eentre b\u0103nci \u0219i institu\u021bii financiare. Codul SWIFT este utilizat pentru a identifica precis fiecare banc\u0103 din lume, permi\u021b\u00e2nd tranzac\u021bii interna\u021bionale rapide \u0219i sigure.<\/p>\n\n\n\n<p>Codul SWIFT este compus din <strong>8 sau 11 caractere<\/strong>, structurate astfel:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Primele 4 litere<\/strong> \u2013 Codul b\u0103ncii (de obicei, o abreviere a numelui b\u0103ncii).<\/li>\n\n\n\n<li><strong>Urm\u0103toarele 2 litere<\/strong> \u2013 Codul \u021b\u0103rii (<strong>exemplu: DE pentru Germania, FR pentru Fran\u021ba<\/strong>).<\/li>\n\n\n\n<li><strong>Alte 2 litere sau cifre<\/strong> \u2013 Codul loca\u021biei b\u0103ncii.<\/li>\n\n\n\n<li><strong>Ultimele 3 caractere<\/strong> (op\u021bionale) \u2013 Codul filialei.<\/li>\n<\/ul>\n\n\n\n<p>Dac\u0103 ai un <strong>SWIFT Bank Code<\/strong> cu doar 8 caractere, \u00eenseamn\u0103 c\u0103 identific\u0103 doar sediul central al b\u0103ncii.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2017\/12\/ce-este-codul-swift.jpg?resize=1024,576\" alt=\"\" class=\"wp-image-168650\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2017\/12\/ce-este-codul-swift.jpg 1920w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2017\/12\/ce-este-codul-swift.jpg?resize=300,169 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2017\/12\/ce-este-codul-swift.jpg?resize=768,432 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2017\/12\/ce-este-codul-swift.jpg?resize=1024,576 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2017\/12\/ce-este-codul-swift.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cum-afli-care-este-codul-swift-al-bancii-tale\"><strong>Cum afli care este codul SWIFT al b\u0103ncii tale?<\/strong><\/h2>\n\n\n\n<p>Dac\u0103 trebuie s\u0103 faci un transfer interna\u021bional \u0219i ai nevoie de <strong>codul SWIFT<\/strong>, \u00eel po\u021bi g\u0103si \u00een mai multe moduri:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Extrasul de cont \u2013 Multe b\u0103nci includ codul pe documentele oficiale ale contului t\u0103u. <\/li>\n\n\n\n<li><strong>Online Banking<\/strong> \u2013 Sec\u021biunea de detalii ale contului din aplica\u021bia bancar\u0103 poate con\u021bine informa\u021biile necesare. <\/li>\n\n\n\n<li>Contactarea b\u0103ncii \u2013 Po\u021bi suna direct la banc\u0103 pentru a cere care este codul SWIFT al institu\u021biei. <\/li>\n\n\n\n<li><strong>Motoare de c\u0103utare SWIFT<\/strong> \u2013 Exist\u0103 platforme online care te ajut\u0103 s\u0103 g\u0103se\u0219ti codurile SWIFT ale b\u0103ncilor interna\u021bionale, dar este \u00eentotdeauna recomandat s\u0103 verifici cu banca \u00eenainte de a face un transfer.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"de-ce-sunt-importante-codurile-swift-pentru-transferurile-bancare\"><strong>De ce sunt importante codurile SWIFT pentru transferurile bancare?<\/strong><\/h2>\n\n\n\n<p>\u00centr-un sistem financiar globalizat, codul SWIFT este esen\u021bial pentru efectuarea transferurilor interna\u021bionale de bani \u00eentre persoane fizice \u0219i juridice. F\u0103r\u0103 aceast\u0103 identificare standardizat\u0103, procesul ar fi mai lent, mai costisitor \u0219i predispus la erori.<\/p>\n\n\n\n<p>Principalele beneficii ale utiliz\u0103rii <strong>codului SWIFT<\/strong> includ:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Siguran\u021ba tranzac\u021biilor<\/strong> \u2013 SWIFT ofer\u0103 un sistem securizat pentru transferuri bancare interna\u021bionale. <\/li>\n\n\n\n<li><strong>Precizia transferurilor<\/strong> \u2013 F\u0103r\u0103 un <strong>SWIFT Bank Code<\/strong>, banii ar putea fi trimi\u0219i la o banc\u0103 gre\u0219it\u0103 sau \u00eentr-un cont incorect. <\/li>\n\n\n\n<li><strong>Reducerea costurilor<\/strong> \u2013 Identificarea clar\u0103 a b\u0103ncii destinatare ajut\u0103 la evitarea taxelor suplimentare pentru corectarea erorilor de transfer. <\/li>\n\n\n\n<li><strong>Transferuri rapide<\/strong> \u2013 Datorit\u0103 standardiz\u0103rii, transferurile interna\u021bionale se proceseaz\u0103 mai repede.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bic-este-acela\u0219i-lucru-cu-swift\"><strong>BIC este acela\u0219i lucru cu SWIFT?<\/strong><\/h2>\n\n\n\n<p>C\u00e2nd faci un transfer interna\u021bional, este posibil s\u0103 \u021bi se cear\u0103 codul BIC. De\u0219i poate p\u0103rea diferit, BIC \u0219i SWIFT sunt, de fapt, acela\u0219i cod.<\/p>\n\n\n\n<p>BIC \u00eenseamn\u0103 \u201eBusiness Identifier Code\u201d, iar acest termen a fost introdus de SWIFT Bank pentru a identifica precis b\u0103ncile \u0219i alte institu\u021bii financiare. De\u0219i ini\u021bial BIC se referea strict la codurile bancare, din 2009 termenul a fost extins pentru a reflecta cre\u0219terea tranzac\u021biilor interna\u021bionale \u0219i dezvoltarea tehnologiilor fintech.<\/p>\n\n\n\n<p>Astfel, \u201ecodul SWIFT\u201d \u0219i \u201ecodul BIC\u201d sunt interschimbabile \u2013 oricare dintre ele poate fi folosit atunci c\u00e2nd faci un transfer interna\u021bional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cum-sa-folose\u0219ti-corect-codul-swift-pentru-un-transfer-interna\u021bional\"><strong>Cum s\u0103 folose\u0219ti corect codul SWIFT pentru un transfer interna\u021bional?<\/strong><\/h2>\n\n\n\n<p>Dac\u0103 vrei s\u0103 trimi\u021bi bani \u00een str\u0103in\u0103tate, este esen\u021bial s\u0103 furnizezi corect toate detaliile necesare. \u00cen 2025, majoritatea b\u0103ncilor \u0219i serviciilor de <a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/\">transfer online<\/a> \u00ee\u021bi vor cere:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Numele complet al destinatarului<\/strong><\/li>\n\n\n\n<li><strong>Codul SWIFT\/BIC al b\u0103ncii primitoare<\/strong><\/li>\n\n\n\n<li><strong>Num\u0103rul de cont bancar al destinatarului (IBAN, unde este cazul)<\/strong><\/li>\n\n\n\n<li><strong>\u021aara \u0219i adresa b\u0103ncii destinatare<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Aten\u021bie!<\/strong> Dac\u0103 introduci un <strong>cod SWIFT gre\u0219it<\/strong>, banii pot ajunge \u00eentr-un cont incorect sau transferul poate fi respins, ceea ce poate duce la \u00eent\u00e2rzieri \u0219i taxe suplimentare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cum-s-a-schimbat-sistemul-swift-in-2025\"><strong>Cum s-a schimbat sistemul SWIFT \u00een 2025?<\/strong><\/h2>\n\n\n\n<p>\u00cen ultimii ani, re\u021beaua SWIFT Bank a suferit mai multe actualiz\u0103ri pentru a \u00eembun\u0103t\u0103\u021bi viteza \u0219i securitatea transferurilor interna\u021bionale. Printre cele mai importante schimb\u0103ri:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Timp de procesare mai rapid<\/strong> \u2013 Noile tehnologii fintech permit transferuri interna\u021bionale aproape \u00een timp real.<\/li>\n\n\n\n<li><strong>M\u0103suri de securitate \u00eembun\u0103t\u0103\u021bite<\/strong> \u2013 Implementarea inteligen\u021bei artificiale pentru detectarea fraudelor \u00een tranzac\u021bii.<\/li>\n\n\n\n<li><strong>Expansiune global\u0103<\/strong> \u2013 Noi parteneriate bancare pentru a reduce taxele \u0219i timpul de procesare al pl\u0103\u021bilor interna\u021bionale.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"concluzie-de-ce-ai-nevoie-de-un-cod-swift\"><strong>Concluzie: De ce ai nevoie de un cod SWIFT?<\/strong><\/h2>\n\n\n\n<p>Indiferent dac\u0103 trimi\u021bi bani \u00een str\u0103in\u0103tate, prime\u0219ti pl\u0103\u021bi din afara \u021b\u0103rii sau faci afaceri interna\u021bionale, codul SWIFT este un element-cheie pentru <a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/\" data-type=\"link\" data-id=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/\">transferurile bancare rapide \u0219i sigure<\/a>. Asigur\u0103-te c\u0103 ai codul corect al b\u0103ncii pentru a evita \u00eent\u00e2rzieri sau costuri suplimentare.<\/p>\n\n\n\n<p>Dac\u0103 ai nevoie de informa\u021bii despre care este codul SWIFT al b\u0103ncii tale, verific\u0103 \u00een aplica\u021bia de online banking, pe extrasul de cont sau contacteaz\u0103 banca pentru detalii actualizate.<\/p>\n\n\n\n<p>Blogul <a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/blog\">TransferGo<\/a> public\u0103 \u00een mod regulat articole menite s\u0103 te ajute s\u0103 \u00een\u021belegi mai bine lumea financiar\u0103 \u0219i bancar\u0103, inclusiv articole despre ratele de schimb valutar, dob\u00e2nzi \u0219i valute din alte \u021b\u0103ri.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen era digital\u0103, transferurile interna\u021bionale de bani au devenit rapide \u0219i eficiente datorit\u0103 unor standarde bancare globale. Codul SWIFT, cunoscut \u0219i sub denumirea de cod BIC, este un element esen\u021bial al acestor tranzac\u021bii. Dar ce este SWIFT, cum \u00eel po\u021bi g\u0103si \u0219i de ce este at\u00e2t de important pentru transferurile bancare interna\u021bionale? Afl\u0103 \u00een acest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15012,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"[]"},"categories":[1311,1310],"tags":[],"business_case_studies_tags":[],"class_list":["post-15011","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conturi-bancare","category-finante-personale"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/Untitled-design-copy.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15011","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=15011"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15011\/revisions"}],"predecessor-version":[{"id":168661,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15011\/revisions\/168661"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/15012"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=15011"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=15011"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=15011"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=15011"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}