{"id":64338,"date":"2025-01-28T10:25:45","date_gmt":"2025-01-28T10:25:45","guid":{"rendered":"https:\/\/develop.wpvip.tgalpha.com\/?p=64338"},"modified":"2025-02-11T12:12:57","modified_gmt":"2025-02-11T12:12:57","slug":"transferurile-internationale-raiffeisen-bank","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/transferurile-internationale-raiffeisen-bank","title":{"rendered":"Transferurile Interna\u021bionale Raiffeisen Bank: Comisioane, rate de schimb \u0219i timpul de transfer [2025]"},"content":{"rendered":"\n<p>Raiffeisen Bank, o banc\u0103 bine-cunoscut\u0103, ofer\u0103 o varietate de metode pentru a trimite bani \u00een str\u0103in\u0103tate, \u00eencep\u00e2nd de la aplica\u021bia sa prietenoas\u0103 pentru utilizatori p\u00e2n\u0103 la vizitele tradi\u021bionale \u00een sucursalele fizice.<\/p>\n\n\n\n<p>Cu toate acestea, \u00een timp ce Raiffeisen Bank ofer\u0103 confort \u0219i fiabilitate, este esen\u021bial s\u0103 lua\u021bi \u00een considerare comisioanele asociate, ratele de schimb \u0219i timpul de transfer.<\/p>\n\n\n\n<p>Acest ghid v\u0103 ofer\u0103 toate detaliile despre transferurile interna\u021bionale Raiffeisen Bank c\u0103tre prieteni, familie sau afaceri \u00een str\u0103in\u0103tate cu Raiffeisen Bank.<\/p>\n\n\n\n<p>Dar \u00eenainte de a \u00eencepe, este important s\u0103 men\u021bion\u0103m c\u0103, \u00een timp ce Raiffeisen Bank v\u0103 permite s\u0103 trimite\u021bi bani interna\u021bional, exist\u0103 \u0219i alte op\u021biuni digitale disponibile care pot fi modalit\u0103\u021bi mai rapide \u0219i mai ieftine de a efectua transferuri interna\u021bionale.<\/p>\n\n\n\n<p>De exemplu, iat\u0103 cum se compar\u0103 TransferGo cu Raiffeisen Bank:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Transferuri Interna\u021bionale<\/strong> <strong>Raiffeisen Bank <\/strong><\/td><td><strong>TransferGo transferuri interna\u021bionale<\/strong><\/td><\/tr><tr><td>Cursuri de schimb<\/td><td>La ATM 9% raportate la ratele de schimb valutar de referin\u021b\u0103 euro stabilite de Banca Centrala Europeana; <br>La tranzac\u021biile cu cardul: \u00een conformitate cu dispozi\u021biile stabilite \u00een Condi\u021biile Generale de Derulare a Opera\u021biunilor Bancare pentru Persoane Fizice<br>[surs\u0103: <a href=\"https:\/\/www.raiffeisen.ro\/ro\/home\/curs-valutar.html\" target=\"_blank\" rel=\"noopener\">Raiffeisen<\/a>]<\/td><td>0.5% &#8211; 1.5% din suma total\u0103 a transferului<\/td><\/tr><tr><td>Tax\u0103 de transfer<\/td><td><strong>Comision de transfer:<\/strong> 4 lei<br><strong>Speze SWIFT:<\/strong> 50 lei\/mesaj<br><strong>Comision extern:<\/strong> 100 lei (pentru transferuri OUR)<br><strong>Marja de profit la cursul de schimb valutar:<\/strong> Raiffeisen Bank aplic\u0103 o marj\u0103 de profit la cursul de schimb valutar, ceea ce \u00eenseamn\u0103 c\u0103 ve\u021bi primi mai pu\u021bini bani dec\u00e2t rata de schimb de pe pia\u021b\u0103.<br>[surs\u0103: <a href=\"https:\/\/wise.com\/ro\/blog\/comision-transfer-bancar-raiffeisen\" target=\"_blank\" rel=\"noopener\">Wise<\/a>]<\/td><td><br>\u00cen aceea\u0219i zi: \u00a31.99 &#8211; \u00a32.99<br>A doua zi: \u00a32.99<br>\u00cen mai pu\u021bin de 30 de minute: \u00a32.99&nbsp;<\/td><\/tr><tr><td>Taxe suplimentare<\/td><td><strong>Tax\u0103 de urgen\u021b\u0103: <\/strong>250 lei<br><strong>Taxe ale altor b\u0103nci: <\/strong>Este posibil ca alte b\u0103nci implicate \u00een tranzac\u021bie (banca intermediar\u0103 sau banca beneficiarului) s\u0103 perceap\u0103 propriile taxe.<br>[surs\u0103: <a href=\"https:\/\/www.raiffeisen.ro\/content\/dam\/rbi\/retail\/eu\/ro\/documents\/pf\/20231020-Tarife-si-comisioane-standard-persoane-fizice.pdf.coredownload.inline.pdf\" target=\"_blank\" rel=\"noopener\">Raiffeisen<\/a>]<\/td><td>Taxe transparente (incluse \u00een suma destinatarului)<\/td><\/tr><tr><td>Limit\u0103 de transfer<\/td><td><strong>Tipul de cont:<\/strong> Limitele pot fi diferite pentru conturile curente, conturile de economii \u0219i conturile de salariu.<br><strong>Istoricul dumneavoastr\u0103 ca \u0219i client:<\/strong> Clien\u021bii cu un istoric bun pot avea limite mai mari.<br><strong>Sursa banilor:<\/strong> Limitele pot fi mai mici pentru banii proveni\u021bi din surse nedeclarate.<br><strong>\u021aara de destina\u021bie:<\/strong> Limitele pot fi mai mici pentru transferurile c\u0103tre anumite \u021b\u0103ri.<\/td><td>\u00cen func\u021bie de \u021bara destinatarului \u0219i de metoda de livrare<\/td><\/tr><tr><td>Timp de transfer (Marea Britanie \u0219i Europe)<\/td><td>\u00cen cazul \u00een care trimi\u021bi euro \u00een UE sau SEE, inclusiv \u00een Marea Britanie, banii pot ajunge \u00een aceea\u0219i zi sau, cel t\u00e2rziu, \u00een ziua urm\u0103toare.<br>Pentru celelalte monede, timpul de a\u0219teptare este de 1-2 zile lucr\u0103toare \u00een func\u021bie de destina\u021bie, \u00een interiorul sau \u00een afara UE \u0219i SEE.<br>[surs\u0103: <a href=\"https:\/\/exiap.ro\/ghiduri\/transfer-international-raiffeisen\" target=\"_blank\" rel=\"noopener\">exiap<\/a>]<\/td><td rowspan=\"2\">Patru op\u021biuni de livrare: <br>&#8211; 30 minute <br>&#8211; Sf\u00e2r\u0219itul aceleia\u0219i zile<br>&#8211; Urm\u0103toarea zi lucr\u0103toare, \u00eenainte de pr\u00e2nz<br>&#8211; O zi lucr\u0103toare<\/td><\/tr><tr><td>Timp de transfer (\u00eenafara Europei)<\/td><td>Dac\u0103 destina\u021bia este alta, plata este decontat\u0103 \u00een 2 zile lucr\u0103toare de la momentul ini\u021bierii opera\u021biunii.<br>[surs\u0103: <a href=\"https:\/\/exiap.ro\/ghiduri\/transfer-international-raiffeisen\" target=\"_blank\" rel=\"noopener\">exiap<\/a>]<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Afla\u021bi mai multe despre transferurile interna\u021bionale de bani TransferGo <a href=\"http:\/\/transfergo.ro\" target=\"_blank\" rel=\"noopener\">aici<\/a>.<\/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=\"#cum-sunt-percepute-transferurile-interna\u021bionale-raiffeisen-bank\">Cum sunt percepute transferurile interna\u021bionale Raiffeisen Bank<\/a><\/li><li class=\"\"><a href=\"#ratele-de-schimb-pentru-transferurile-interna\u021bionale-raiffeisen-bank\">Ratele de schimb pentru transferurile interna\u021bionale Raiffeisen Bank<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#comisioanele-pentru-transferurile-interna\u021bionale-raiffeisen-bank\">Comisioanele pentru transferurile interna\u021bionale Raiffeisen Bank<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#cat-dureaza-sa-se-faca-un-transfer-interna\u021bional-cu-raiffeisen-bank\">C\u00e2t dureaz\u0103 s\u0103 se fac\u0103 un transfer interna\u021bional cu Raiffeisen Bank?<\/a><\/li><li class=\"\"><a href=\"#satisfac\u021bia-clien\u021bilor-raiffeisen-bank\">Satisfac\u021bia clien\u021bilor Raiffeisen bank<\/a><\/li><li class=\"\"><a href=\"#date-de-contact-raiffeisen-bank\">Date de contact Raiffeisen Bank<\/a><\/li><li class=\"\"><a href=\"#rezumat\">Rezumat<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cum-sunt-percepute-transferurile-interna\u021bionale-raiffeisen-bank\">Cum sunt percepute transferurile interna\u021bionale Raiffeisen Bank<\/h2>\n\n\n\n<p>C\u00e2nd trimi\u021bi bani \u00een str\u0103in\u0103tate cu Raiffeisen, vei fi taxat at\u00e2t taxe de transfer, c\u00e2t \u0219i rate de schimb:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Taxe Raiffeisen<\/strong><\/td><td><strong>Taxe TransferGo<\/strong><\/td><\/tr><tr><td>Cursuri de schimb<\/td><td>La ATM 9% raportate la ratele de schimb valutar de referin\u021b\u0103 euro stabilite de Banca Centrala Europeana; <br>La tranzac\u021biile cu cardul: \u00een conformitate cu dispozi\u021biile stabilite \u00een Condi\u021biile Generale de Derulare a Opera\u021biunilor Bancare pentru Persoane Fizice<br>[surs\u0103: <a href=\"https:\/\/www.raiffeisen.ro\/ro\/home\/curs-valutar.html\" target=\"_blank\" rel=\"noopener\">Raiffeisen<\/a>]<\/td><td>0.5% to 1.5% of total transfer amount<\/td><\/tr><tr><td>Tax\u0103 de transfer<\/td><td><strong>Comision de transfer:<\/strong> 4 lei<br><strong>Speze SWIFT:<\/strong> 50 lei\/mesaj<br><strong>Comision extern:<\/strong> 100 lei (pentru transferuri OUR)<br><strong>Marja de profit la cursul de schimb valutar:<\/strong> Raiffeisen Bank aplic\u0103 o marj\u0103 de profit la cursul de schimb valutar, ceea ce \u00eenseamn\u0103 c\u0103 ve\u021bi primi mai pu\u021bini bani dec\u00e2t rata de schimb de pe pia\u021b\u0103.<br>[surs\u0103: <a href=\"https:\/\/wise.com\/ro\/blog\/comision-transfer-bancar-raiffeisen\" target=\"_blank\" rel=\"noopener\">Wise<\/a>]<\/td><td><br>\u00cen aceea\u0219i zi: \u00a31.99 &#8211; \u00a32.99<br>A doua zi: \u00a32.99<br>\u00cen mai pu\u021bin de 30 de minute: \u00a32.99&nbsp;<\/td><\/tr><tr><td>Taxe suplimentare<\/td><td><strong>Tax\u0103 de urgen\u021b\u0103: <\/strong>250 lei<br><strong>Taxe ale altor b\u0103nci: <\/strong>Este posibil ca alte b\u0103nci implicate \u00een tranzac\u021bie (banca intermediar\u0103 sau banca beneficiarului) s\u0103 perceap\u0103 propriile taxe.<br>[surs\u0103: <a href=\"https:\/\/www.raiffeisen.ro\/content\/dam\/rbi\/retail\/eu\/ro\/documents\/pf\/20231020-Tarife-si-comisioane-standard-persoane-fizice.pdf.coredownload.inline.pdf\" target=\"_blank\" rel=\"noopener\">Raiffeisen<\/a>]<\/td><td>Taxe transparente (incluse \u00een suma destinatarului)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"670\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/en\/wp-content\/uploads\/2024\/04\/iStock-1182384714-1024x670.jpg\" alt=\"\" class=\"wp-image-60936\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ratele-de-schimb-pentru-transferurile-interna\u021bionale-raiffeisen-bank\">Ratele de schimb pentru transferurile interna\u021bionale Raiffeisen Bank<\/h2>\n\n\n\n<p>Raiffeisen Bank nu afi\u0219eaz\u0103 online ratele de schimb specifice pentru transferurile interna\u021bionale.<\/p>\n\n\n\n<p>Exist\u0103 dou\u0103 motive principale pentru acest lucru:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ratele de schimb valutar fluctueaz\u0103 constant pe parcursul zilei, in func\u021bie de pia\u021ba valutar\u0103.<\/li>\n\n\n\n<li>Raiffeisen Bank aplic\u0103 o marj\u0103 la cursul de schimb de pia\u021b\u0103 pentru a ob\u021bine un profit din transferurile interna\u021bionale.<\/li>\n<\/ul>\n\n\n\n<p>In consecin\u021b\u0103, rata de schimb final\u0103 pe care o ve\u021bi primi pentru transferul dumneavoastr\u0103 va fi diferit\u0103 de cursul de schimb de pia\u021b\u0103 la momentul respectiv.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cum-se-compara-acestea-cu-transfer-go\">Cum se compar\u0103 acestea cu TransferGo?<\/h3>\n\n\n\n<p>TransferGo percepe o mic\u0103 marj\u0103 de schimb valutar pe baza ratei de schimb de pia\u021b\u0103, situat\u0103 \u00eentre 0,5% \u0219i 1,5%, \u00een func\u021bie de destina\u021bia transferului dumneavoastr\u0103. Aceste rate de schimb se num\u0103r\u0103 printre cele mai favorabile de pe pia\u021b\u0103, motiv pentru care TransferGo ob\u021bine \u00een mod constant un <a href=\"https:\/\/www.monito.com\/en\/send-money-with\/transfergo\" target=\"_blank\" rel=\"noopener\">scor de 9\/10 pentru Ratele de Schimb pe Monito<\/a>.<\/p>\n\n\n\n<p>\u00cen final, TransferGo permite destinatarului s\u0103 primeasc\u0103 mai mul\u021bi bani \u00een compara\u021bie cu ratele de schimb Barclays. De asemenea, TransferGo include toate comisioanele \u00een suma pe care destinatarul o prime\u0219te: pentru ca transferul s\u0103 se realizeze, pl\u0103ti\u021bi doar aceea\u0219i sum\u0103 pe care a\u021bi introdus-o \u00een comanda de transfer.<\/p>\n\n\n\n<p>Altfel spus, nu exist\u0103 comisioane ascunse atunci c\u00e2nd efectua\u021bi transferuri interna\u021bionale cu TransferGo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading is-style-h3-higher-header-style\" id=\"comisioanele-pentru-transferurile-interna\u021bionale-raiffeisen-bank\">Comisioanele pentru transferurile interna\u021bionale Raiffeisen Bank<\/h2>\n\n\n\n<p>Comisioanele pentru transferurile interna\u021bionale Raiffeisen Bank sunt urm\u0103toarele:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Comision de transfer:<\/strong> 4 lei<\/li>\n\n\n\n<li><strong>Speze SWIFT: <\/strong>50 lei\/mesaj<\/li>\n\n\n\n<li><strong>Comision extern: <\/strong>100 lei (pentru transferuri \u00een valoare OUR)<\/li>\n\n\n\n<li><strong>Marj\u0103 de profit la cursul de schimb valutar: <\/strong>Raiffeisen Bank aplic\u0103 o marj\u0103 de profit la cursul de schimb valutar, ceea ce \u00eenseamn\u0103 c\u0103 ve\u021bi primi mai pu\u021bini bani dec\u00e2t rata de schimb de pe pia\u021b\u0103.<\/li>\n<\/ul>\n\n\n\n<p>Comparativ cu structura de taxe a Raiffeisen Bank, TransferGo asigur\u0103 taxe transparente \u0219i incluzive bazate pe op\u021biunile de livrare, elimin\u00e2nd necesitatea ca expeditorii sau destinatarii s\u0103 acopere orice fonduri suplimentare:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Livrare \u00een aceea\u0219i zi: <\/strong>\u00a31.99 \u2013 \u00a32.99<\/li>\n\n\n\n<li><strong>Livrare \u00een ziua urm\u0103toare:<\/strong> \u00a32.99<\/li>\n\n\n\n<li><strong>Livrare \u00een 30 de minute:<\/strong> \u00a32.99<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"taxe-suplimentare-pentru-transferurile-interna\u021bionale-raiffeisen-bank\">Taxe suplimentare pentru transferurile interna\u021bionale Raiffeisen Bank<\/h3>\n\n\n\n<p>\u00cen plus fa\u021b\u0103 de comisioanele standard de transfer, Raiffeisen Bank aplic\u0103 diverse taxe suplimentare pentru transferurile interna\u021bionale \u00een func\u021bie de circumstan\u021be specifice.<\/p>\n\n\n\n<p>Aceste taxe au ca scop acoperirea costurilor asociate cu procesarea pl\u0103\u021bilor cu detalii incomplete sau incorecte \u0219i gestionarea tranzac\u021biilor \u00een anumite valute sau c\u0103tre regiuni specifice:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tax\u0103 de urgen\u021b\u0103: <\/strong>250 lei<\/li>\n\n\n\n<li><strong>Taxe ale altor b\u0103nci:<\/strong> Este posibil ca alte b\u0103nci implicate \u00een tranzac\u021bie (banca intermediar\u0103 sau banca beneficiarului) s\u0103 perceap\u0103 propriile taxe.<\/li>\n<\/ul>\n\n\n\n<p>\u00cen contrast, TransferGo ofer\u0103 o garan\u021bie de lips\u0103 a taxelor suplimentare, asigur\u00e2ndu-se c\u0103 destinatarul prime\u0219te exact suma specificat\u0103 \u00een comanda dumneavoastr\u0103 de transfer f\u0103r\u0103 nicio deducere.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cat-dureaza-sa-se-faca-un-transfer-interna\u021bional-cu-raiffeisen-bank\">C\u00e2t dureaz\u0103 s\u0103 se fac\u0103 un transfer interna\u021bional cu Raiffeisen Bank?<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Destina\u021bie<\/strong><\/td><td><strong>Timpul de Transfer la Raiffeisen Bank<\/strong><\/td><td><strong>Timpul de Transfer la<\/strong> <strong>TransferGo <\/strong><\/td><\/tr><tr><td>Timp de transfer (Marea Britanie \u0219i Europe)<\/td><td>\u00cen cazul \u00een care trimi\u021bi euro \u00een UE sau SEE, inclusiv \u00een Marea Britanie, banii pot ajunge \u00een aceea\u0219i zi sau, cel t\u00e2rziu, \u00een ziua urm\u0103toare.<br>Pentru celelalte monede, timpul de a\u0219teptare este de 1-2 zile lucr\u0103toare \u00een func\u021bie de destina\u021bie, \u00een interiorul sau \u00een afara UE \u0219i SEE.<br>[surs\u0103: <a href=\"https:\/\/exiap.ro\/ghiduri\/transfer-international-raiffeisen\" target=\"_blank\" rel=\"noopener\">exiap<\/a>]<\/td><td>Patru op\u021biuni de livrare: <br>&#8211; 30 minute <br>&#8211; Sf\u00e2r\u0219itul aceleia\u0219i zile<br>&#8211; Urm\u0103toarea zi lucr\u0103toare, \u00eenainte de pr\u00e2nz<br>&#8211; O zi lucr\u0103toare<\/td><\/tr><tr><td>\u00cenafara Europei<\/td><td>Dac\u0103 destina\u021bia este alta, plata este decontat\u0103 \u00een 2 zile lucr\u0103toare de la momentul ini\u021bierii opera\u021biunii.<br>[surs\u0103: <a href=\"https:\/\/exiap.ro\/ghiduri\/transfer-international-raiffeisen\" target=\"_blank\" rel=\"noopener\">exiap<\/a>]<\/td><td><em>La fel ca mai sus.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>C\u00e2nd vine vorba de timpul necesar pentru finalizarea unui transfer interna\u021bional, Raiffeisen Bank ofer\u0103 timpuri de procesare care nu \u00eentotdeauna se aliniaz\u0103 cu nevoile urgente. \u00cen cadrul Uniunii Europene, clien\u021bii se pot a\u0219tepta ca transferurile s\u0103 dureze \u00eentre una \u0219i dou\u0103 zile lucr\u0103toare, \u00een timp ce transferurile \u00een afara Europei ar putea dura dou\u0103 zile lucr\u0103toare.<\/p>\n\n\n\n<p>Aceste termene de timp s-ar putea s\u0103 nu fie potrivite pentru persoanele care caut\u0103 op\u021biuni de transfer mai rapide \u0219i mai eficiente.<\/p>\n\n\n\n<p>Cu toate acestea, <a href=\"http:\/\/transfergo.ro\" target=\"_blank\" rel=\"noopener\">TransferGo<\/a> ofer\u0103 o gam\u0103 de op\u021biuni de livrare concepute pentru a satisface diverse restric\u021bii de timp, asigur\u00e2nd transferuri interna\u021bionale rapide \u0219i convenabile. \u00cen func\u021bie de op\u021biunea de livrare aleas\u0103, TransferGo poate livra fondurile c\u0103tre destinatarul dumneavoastr\u0103 \u00een:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O zi lucr\u0103toare<\/li>\n\n\n\n<li>Sf\u00e2r\u0219itul aceleia\u0219i zile (de la momentul cre\u0103rii transferului)<\/li>\n\n\n\n<li>Ziua lucr\u0103toare urm\u0103toare \u00eenainte de pr\u00e2nz<\/li>\n\n\n\n<li>\u00cen 30 de minute<\/li>\n<\/ul>\n\n\n\n<p>Aceste timpuri accelerate de transfer oferite de TransferGo ofer\u0103 clien\u021bilor flexibilitate \u0219i asigur\u0103ri c\u0103 banii lor vor ajunge prompt la destina\u021bie.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"683\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/en\/wp-content\/uploads\/2024\/04\/iStock-1347738173-1024x683.jpg\" alt=\"\" class=\"wp-image-60947\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"efectuarea-unui-transfer-interna\u021bional-cu-raiffeisen-bank\">Efectuarea unui transfer interna\u021bional cu Raiffeisen Bank:<\/h2>\n\n\n\n<p>1. Alege tipul de transfer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Transfer SHARE:<\/strong> Beneficiarul pl\u0103te\u0219te taxele.<\/li>\n\n\n\n<li><strong>Transfer OUR:<\/strong> Tu pl\u0103te\u0219ti toate taxele. <\/li>\n<\/ul>\n\n\n\n<p>2. Acceseaz\u0103 internet banking-ul Raiffeisen sau aplica\u021bia mobil\u0103 Smart Mobile.<\/p>\n\n\n\n<p>3. Selecteaz\u0103 op\u021biunea &#8222;Pl\u0103\u021bi&#8221; sau &#8222;Transferuri&#8221;.<\/p>\n\n\n\n<p>4. Completeaz\u0103 detaliile transferului:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Contul dumneavoastr\u0103:<\/strong> Selecteaz\u0103 contul din care dore\u0219ti s\u0103 transferi banii.<\/li>\n\n\n\n<li><strong>Contul beneficiarului:<\/strong> Introdu IBAN-ul beneficiarului.<\/li>\n\n\n\n<li><strong>Suma:<\/strong> Introducu suma pe care dore\u0219ti s\u0103 o transferi.<\/li>\n\n\n\n<li><strong>Valuta:<\/strong> Selecteaz\u0103 moneda \u00een care dore\u0219ti s\u0103 transferi banii.<\/li>\n\n\n\n<li><strong>Tipul de transfer:<\/strong> Alege SHARE sau OUR.<\/li>\n\n\n\n<li><strong>Detalii suplimentare:<\/strong> Po\u021bi ad\u0103uga o referin\u021b\u0103 \u0219i o descriere a transferului.<\/li>\n<\/ul>\n\n\n\n<p>5. Confirm\u0103 transferul.<\/p>\n\n\n\n<p>6. Introdu codul de securitate primit prin SMS sau prin aplica\u021bia Raiffeisen SmartToken.<\/p>\n\n\n\n<p>7. Transferul t\u0103u a fost ini\u021biat!<\/p>\n\n\n\n<p><strong>Informa\u021bii suplimentare:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Po\u021bi urm\u0103ri stadiul transferului online sau in aplica\u021bia mobil\u0103 Smart Mobile.<\/li>\n\n\n\n<li>Raiffeisen Bank aplic\u0103 un comision de transfer \u0219i o marj\u0103 la cursul de schimb de pia\u021b\u0103.<\/li>\n\n\n\n<li>Asigur\u0103-te c\u0103 ai toate informa\u021biile corecte ale beneficiarului, inclusiv IBAN-ul corect. Un IBAN gre\u0219it poate duce la \u00eent\u00e2rzieri sau chiar la pierderea banilor.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"683\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2024\/05\/transferurile-internationale-Raiffeisen-Bank-1024x683.jpg\" alt=\"transferurile interna\u021bionale Raiffeisen Bank\" class=\"wp-image-64342\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2024\/05\/transferurile-internationale-Raiffeisen-Bank-1024x683.jpg 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2024\/05\/transferurile-internationale-Raiffeisen-Bank-300x200.jpg 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2024\/05\/transferurile-internationale-Raiffeisen-Bank-768x512.jpg 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2024\/05\/transferurile-internationale-Raiffeisen-Bank-1536x1024.jpg 1536w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2024\/05\/transferurile-internationale-Raiffeisen-Bank-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">transferurile interna\u021bionale Raiffeisen Bank<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"satisfac\u021bia-clien\u021bilor-raiffeisen-bank\">Satisfac\u021bia clien\u021bilor Raiffeisen bank<\/h2>\n\n\n\n<p>Pentru a evalua satisfac\u021bia clien\u021bilor, este important s\u0103 se analizeze feedback-ul furnizat pe platforme independente. Raiffeisen Bank, o institu\u021bie bancar\u0103 de seam\u0103, de\u021bine \u00een prezent o evaluare <a href=\"https:\/\/www.trustpilot.com\/review\/raiffeisen.ro\" target=\"_blank\" rel=\"noopener\">TrustPilot de 1.6 din 5<\/a>, cu un num\u0103r de 32 de recenzii.<\/p>\n\n\n\n<p>Aceast\u0103 evaluare se \u00eencadreaz\u0103 \u00een categoria &#8216;Slab&#8217;, indic\u00e2nd zone \u00een care Raiffeisen Bank ar putea avea nevoie de \u00eembun\u0103t\u0103\u021biri \u00een ceea ce prive\u0219te calitatea serviciilor \u0219i experien\u021ba general\u0103 a clien\u021bilor.<\/p>\n\n\n\n<p>\u00cen compara\u021bie cu al\u021bi furnizori de servicii financiare, cum ar fi TransferGo, contrastul \u00een evalu\u0103rile TrustPilot este evident. \u00cen timp ce TransferGo se bucur\u0103 de o evaluare impresionant\u0103 <a href=\"https:\/\/www.trustpilot.com\/review\/transfergo.com\" target=\"_blank\" rel=\"noopener\">TrustPilot de 4.7 din 5<\/a>, bazat\u0103 pe un num\u0103r semnificativ de 34,879 de recenzii, evaluarea mai sc\u0103zut\u0103 a Raiffeisen Bank sugereaz\u0103 o disparitate \u00een nivelurile de satisfac\u021bie ale clien\u021bilor.<\/p>\n\n\n\n<p>Cu toate c\u0103 evalu\u0103rile TrustPilot ofer\u0103 perspective valoroase asupra sentimentului general c\u0103tre serviciile Raiffeisen Bank, este esen\u021bial ca poten\u021bialii clien\u021bi s\u0103 efectueze cercet\u0103ri ample \u0219i s\u0103-\u0219i ia \u00een considerare cerin\u021bele individuale atunci c\u00e2nd selecteaz\u0103 un furnizor de servicii financiare.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" height=\"683\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/en\/wp-content\/uploads\/2024\/04\/iStock-1585324337-1024x683.jpg\" alt=\"\" class=\"wp-image-60958\" style=\"width:1090px;height:auto\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"date-de-contact-raiffeisen-bank\">Date de contact Raiffeisen Bank<\/h2>\n\n\n\n<p>Raiffeisen Bank ofer\u0103 mai multe canale prin care \u00eei po\u021bi contacta pentru \u00eentreb\u0103ri legate de transferurile interna\u021bionale sau alte servicii:<\/p>\n\n\n\n<p><strong>Telefon:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Num\u0103r gratuit din Rom\u00e2nia: *2000 (disponibil din orice re\u021bea mobil\u0103 din Rom\u00e2nia)<\/li>\n\n\n\n<li>Num\u0103r interna\u021bional: +40 21 306 3002 (disponibil din orice re\u021bea din Rom\u00e2nia sau din str\u0103in\u0103tate)<\/li>\n<\/ul>\n\n\n\n<p><strong>Email:<\/strong> centrala@raiffeisen.ro<\/p>\n\n\n\n<p><strong>Chat online:<\/strong> (disponibil de luni p\u00e2n\u0103 vineri \u00eentre 8:00 \u0219i 22:00)<\/p>\n\n\n\n<p><strong>Website:<\/strong> <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.raiffeisen.ro\/\">https:\/\/www.raiffeisen.ro\/<\/a><\/p>\n\n\n\n<p><strong>Vizit\u00e2nd o sucursal\u0103 Raiffeisen Bank:<\/strong> Utiliza\u021bi <a href=\"https:\/\/www.raiffeisen.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.raiffeisen.ro\/<\/a> pentru a g\u0103si o sucursal\u0103 din apropierea ta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rezumat\">Rezumat<\/h2>\n\n\n\n<p>Atunci c\u00e2nd faci o plat\u0103 interna\u021bional\u0103 \u0219i cau\u021bi cele mai economice metode este important s\u0103 fii con\u0219tient de diversele taxe care pot fi implicate.<\/p>\n\n\n\n<p>Dup\u0103 cum \u021bi-am ar\u0103tat, anumite taxe nu pot fi imediat evidente.<\/p>\n\n\n\n<p>Efectuarea unei cercet\u0103ri detaliate, a\u0219a cum ai f\u0103cut consult\u00e2nd acest ghid informativ, \u0219i compararea atent\u0103 a alternativelor poate produce economii semnificative \u0219i evitarea nepl\u0103cerilor pe termen lung.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Raiffeisen Bank, o banc\u0103 bine-cunoscut\u0103, ofer\u0103 o varietate de metode pentru a trimite bani \u00een str\u0103in\u0103tate, \u00eencep\u00e2nd de la aplica\u021bia sa prietenoas\u0103 pentru utilizatori p\u00e2n\u0103 la vizitele tradi\u021bionale \u00een sucursalele fizice. Cu toate acestea, \u00een timp ce Raiffeisen Bank ofer\u0103 confort \u0219i fiabilitate, este esen\u021bial s\u0103 lua\u021bi \u00een considerare comisioanele asociate, ratele de schimb \u0219i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":65261,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310],"tags":[],"business_case_studies_tags":[],"class_list":["post-64338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2024\/05\/iStock-1540766455.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/64338","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=64338"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/64338\/revisions"}],"predecessor-version":[{"id":106468,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/64338\/revisions\/106468"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/65261"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=64338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=64338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=64338"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=64338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}