{"id":16693,"date":"2022-03-02T11:07:05","date_gmt":"2022-03-02T11:07:05","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/cu-bune-si-rele-online-banking-este-comod-si-ieftin-dar-poate-fi-supus-fraudei"},"modified":"2025-05-14T17:35:09","modified_gmt":"2025-05-14T17:35:09","slug":"online-banking-avantaje-si-riscuri","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/online-banking-avantaje-si-riscuri","title":{"rendered":"Online banking este comod \u0219i ieftin, dar poate fi supus fraudei"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Serviciul de online banking este un serviciu comod \u0219i ieftin prin care po\u021bi s\u0103 faci pl\u0103\u021bi \u0219i tranzac\u021bii foarte u\u0219or \u0219i foarte repede, direct de pe telefon, tablet\u0103 sau laptop. A\u0219adar, online banking sau internet banking este numele sub care este cunoscut serviciul oferit de b\u0103nci prin care po\u021bi face opera\u021biuni bancare pe internet.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Aici la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\"> vrem s\u0103 \u00ee\u021bi facem via\u021ba departe de cas\u0103 c\u00e2t mai u\u0219oar\u0103. Nu doar prin costurile noastre de transfer, care sunt printre cele mai mici pe care le po\u021bi avea atunci c\u00e2nd <\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/ce-se-intampla-cand-transferi-bani-online\"><span style=\"font-weight: 400\">transferi bani<\/span><\/a><span style=\"font-weight: 400\"> online \u0219i prin siguran\u021ba pe care \u021bi-o oferim, dar \u0219i prin toate aceste informa\u021bii pe care le preg\u0103tim pentru tine.<\/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=\"#de-ce-sa-folosesc-online-banking-\u0219i-sa-nu-ma-duc-la-banca-direct\">De ce s\u0103 folosesc online banking \u0219i s\u0103 nu m\u0103 duc la banc\u0103 direct?\u00a0<\/a><ul><li class=\"\"><a href=\"#cum-func\u021bioneaza-online-banking-concret\">Cum func\u021bioneaz\u0103 online banking, concret?\u00a0<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#cum-te-fere\u0219ti-de-frauda-in-online-banking\">Cum te fere\u0219ti de fraud\u0103 \u00een online banking?\u00a0<\/a><ul><li class=\"\"><a href=\"#malware-frauda-cu-bani-in-online-banking\">Malware: frauda cu bani \u00een online banking\u00a0\u00a0<\/a><\/li><li class=\"\"><a href=\"#ce-faci-ca-sa-te-fere\u0219ti-de-malware\">Ce faci ca s\u0103 te fere\u0219ti de malware?\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"de-ce-sa-folosesc-online-banking-\u0219i-sa-nu-ma-duc-la-banca-direct\"><span style=\"font-weight: 400\">De ce s\u0103 folosesc online banking \u0219i s\u0103 nu m\u0103 duc la banc\u0103 direct?&nbsp;<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u00cen primul r\u00e2nd, pentru c\u0103 este foarte comod s\u0103 folose\u0219ti online banking. G\u00e2nde\u0219te-te c\u0103 \u00een loc s\u0103 trebuiasc\u0103 s\u0103 faci un drum p\u00e2n\u0103 la banc\u0103 \u0219i s\u0103 a\u0219tep\u021bi la cozi la ghi\u0219ee, po\u021bi s\u0103 rezolvi ce ai de rezolvat direct de pe telefon. Mult timp c\u00e2\u0219tigat, nu?<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u00cen plus, comisioanele la transferuri sau alte opera\u021biuni sunt semnificativ mai mici a\u0219a, prin internet, dec\u00e2t la ghi\u0219eu.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Sigur, e nevoie s\u0103 \u00eenve\u021bi pa\u0219ii pe pe platforma online a b\u0103ncii. \u00cens\u0103 ace\u0219tia chiar nu sunt complica\u021bi. B\u0103ncile au f\u0103cut \u00een a\u0219a fel \u00eenc\u00e2t aplica\u021biile lor de online banking s\u0103 fie foarte u\u0219or de folosit. \u00cen general, pa\u0219ii sunt limpezi \u0219i e\u0219ti ghidat de la unul la cel\u0103lalt cu cea mai mare claritate.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cum-func\u021bioneaza-online-banking-concret\"><span style=\"font-weight: 400\">Cum func\u021bioneaz\u0103 online banking, concret?&nbsp;<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Atunci c\u00e2nd \u00ee\u021bi deschizi un cont la o banc\u0103, e\u0219ti \u00eentrebat \u00een general dac\u0103 vrei \u0219i internet banking. Cam toate b\u0103ncile mari ofer\u0103 ast\u0103zi pl\u0103\u021bi \u0219i opera\u021biuni prin internet. La unele e posibil s\u0103 pl\u0103te\u0219ti un comision foarte mic pentru asta, dar la cele mai multe serviciul este gratuit.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Odat\u0103 ce ai confirmat c\u0103 vrei internet banking, serviciul \u021bi se activeaz\u0103 pe contul t\u0103u la banc\u0103. Vei primi un cod de utilizator (\u201euser name\u201d) \u0219i o parol\u0103 ori PIN (\u201epassword\u201d). Acestea sunt unice \u0219i le cuno\u0219ti numai tu. <\/span><\/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\/2022\/03\/online-banking-avantaje-si-riscuri-1.jpg?resize=1024,576\" alt=\"\" class=\"wp-image-248093\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri-1.jpg 1920w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri-1.jpg?resize=300,169 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri-1.jpg?resize=768,432 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri-1.jpg?resize=1024,576 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri-1.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\"><br><\/span><b>Aten\u021bie! <\/b><span style=\"font-weight: 400\">Nici banca nu le cunoa\u0219te \u0219i nici nu-\u021bi va cere vreodat\u0103 s\u0103 i le transmi\u021bi. Dac\u0103 se \u00eent\u00e2mpl\u0103 aceasta cumva, s\u0103 \u0219tii c\u0103 e posibil s\u0103 fie un caz de fraud\u0103 \u0219i s\u0103 te fere\u0219ti s\u0103 le comunici prin vreun email sau mesaj SMS, ori pe WhatsApp.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">A\u0219adar, ai cod de utilizator (se mai nume\u0219te \u0219i \u201eID de logare\u201d) \u0219i parol\u0103. Le salvezi bine \u00eentr-un document \u0219i ai grij\u0103 s\u0103 nu le salvezi \u00een telefon. Tot atunci c\u00e2nd prime\u0219ti codul de utilizator \u0219i \u00ee\u021bi setezi parola afli \u0219i care este adresa de internet pentru serviciul de internet banking.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">E de folos acum s\u0103 \u0219tii c\u0103 site-ul pentru internet banking nu este acela\u0219i cu site-ul b\u0103ncii, lucru ce \u021bi-ar putea crea o mic\u0103 confuzie. De exemplu, site-ul b\u0103ncii ING este<\/span> <span style=\"font-weight: 400\"><a href=\"https:\/\/ing.ro\/\" target=\"_blank\" rel=\"noopener\">https:\/\/ing.ro\/<\/a><\/span><span style=\"font-weight: 400\">, pe c\u00e2nd site-ul serviciului de online banking al ING este<\/span> <span style=\"font-weight: 400\"><a href=\"https:\/\/www.homebank.ro\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.homebank.ro\/<\/a><\/span><span style=\"font-weight: 400\">. La fel, site-ul B\u0103ncii Transilvania este<\/span> <span style=\"font-weight: 400\"><a href=\"https:\/\/www.bancatransilvania.ro\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bancatransilvania.ro\/<\/a><\/span><span style=\"font-weight: 400\">, pe c\u00e2nd cel de internet baking este<\/span> <span style=\"font-weight: 400\"><a href=\"https:\/\/www.neobt.ro\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.neobt.ro\/<\/a><\/span><span style=\"font-weight: 400\">, \u0219i a\u0219a mai departe.<\/span><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><span style=\"font-weight: 400\">Acum c\u0103 am l\u0103murit aceste lucruri, e\u0219ti preg\u0103tit s\u0103 te bucuri de serviciul de online banking!<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><i>\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><i>\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><i>\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><i>Ai nevoie s\u0103 transferi bani simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare<\/i><i> exagerate \u00een Rom\u00e2nia \u0219i nu numai.<\/i><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cum-te-fere\u0219ti-de-frauda-in-online-banking\"><span style=\"font-weight: 400\">Cum te fere\u0219ti de fraud\u0103 \u00een online banking?&nbsp;<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Dac\u0103 \u00ee\u021bi este team\u0103 de folosirea datelor pe internet, nu trebuie s\u0103 \u00ee\u021bi faci griji, deoarece m\u0103surile de <\/span><a href=\"https:\/\/support.transfergo.com\/hc\/ro\/categories\/4408390032788-Securitate\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">securitate<\/span><\/a><span style=\"font-weight: 400\"> online ale b\u0103ncilor \u00ee\u021bi protejeaz\u0103 informa\u021biile personale.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"malware-frauda-cu-bani-in-online-banking\"><span style=\"font-weight: 400\">Malware: frauda cu bani \u00een online banking&nbsp;&nbsp;<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Un caz de malware este un caz \u00een care pe calculatorul t\u0103u au fost instalate ni\u0219te coduri pentru colectare de date. Codurile acestea \u00eenseamn\u0103 ni\u0219te programe, ni\u0219te softuri (\u201esoftware\u201d, \u00een limba englez\u0103), pe care fraudatorii le instaleaz\u0103 prin internet.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Odat\u0103 ce cineva reu\u0219e\u0219te s\u0103 aib\u0103 acces la calculatorul t\u0103u, poate s\u0103 pun\u0103 m\u00e2na pe datele pe care le transmi\u021bi tu sau s\u0103 reu\u0219easc\u0103 s\u0103 aib\u0103 acces la ceea ce lucrezi tu, ca \u0219i cum ai fi chiar tu cel sau cea care lucreaz\u0103.&nbsp;&nbsp;&nbsp;<\/span><\/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\/2022\/03\/online-banking-avantaje-si-riscuri.jpg?resize=1024,576\" alt=\"online-banking-avantaje-si-riscuri\" class=\"wp-image-248082\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri.jpg 1920w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri.jpg?resize=300,169 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri.jpg?resize=768,432 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri.jpg?resize=1024,576 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/online-banking-avantaje-si-riscuri.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ce-faci-ca-sa-te-fere\u0219ti-de-malware\"><span style=\"font-weight: 400\">Ce faci ca s\u0103 te fere\u0219ti de malware?&nbsp;<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Instaleaz\u0103 un program antivirus \u0219i ai grij\u0103 s\u0103 ai mereu ultima versiune (\u201eupdate\u201d f\u0103cut la el). Ce mai este indicat s\u0103 faci este s\u0103 folose\u0219ti Windows doar dintr-o surs\u0103 sigur\u0103 (aten\u021bie de la cine \u00eel iei!). De asemena, e recomandat s\u0103-\u021bi descarci aplica\u021bii pe mobil doar dintr-o surs\u0103 sigur\u0103. Nu \u00een ultimul r\u00e2nd, e bine s\u0103 nu deschizi link-uri sau ata\u0219amente din email-uri care nu \u0219tii de la cine vin.<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><i>La <\/i><i>TransferGo<\/i><i>, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een siguran\u021b\u0103 la cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><i>\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru Rom\u00e2nia!<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><i>Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/i><i> \u0219i al\u0103tur\u0103-te celor peste 3,5 milioane de utilizatori din \u00eentreaga lume!<\/i><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Serviciul de online banking este un serviciu comod \u0219i ieftin prin care po\u021bi s\u0103 faci pl\u0103\u021bi \u0219i tranzac\u021bii foarte u\u0219or \u0219i foarte repede, direct de pe telefon, tablet\u0103 sau laptop. A\u0219adar, online banking sau internet banking este numele sub care este cunoscut serviciul oferit de b\u0103nci prin care po\u021bi face opera\u021biuni bancare pe internet.&nbsp; Aici [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16694,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1311,1310,1313],"tags":[],"business_case_studies_tags":[],"class_list":["post-16693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conturi-bancare","category-finante-personale","category-sfaturi-finantele-personale"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/shutterstock_1642743817.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16693","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=16693"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16693\/revisions"}],"predecessor-version":[{"id":248105,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16693\/revisions\/248105"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/16694"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=16693"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=16693"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=16693"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=16693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}