{"id":36440,"date":"2026-05-12T09:54:56","date_gmt":"2026-05-12T08:54:56","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=36440"},"modified":"2026-05-12T09:54:57","modified_gmt":"2026-05-12T08:54:57","slug":"ropay-in-sus-ropay-in-jos-eu-vad-o-problema-de-reglementare","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=36440","title":{"rendered":"RoPay \u00een sus, RoPay \u00een jos &#8211; eu v\u0103d o problem\u0103 de reglementare"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>E campanie acuma de promovare a sistemului<a href=\"https:\/\/www.ropay.ro\/\"> \u0103stuia de plat\u0103 instant  <\/a>f\u0103r\u0103 card, f\u0103r\u0103 walleturi, doar \u00eentre b\u0103nci.  E bun, dar un pic  for\u021bat. <br \/>Promovarea lui se bazeaz\u0103 pe faptul c\u0103  plata e gratis, nu poart\u0103 comision, spre deosebire de pl\u0103\u021bile directe pe IBAN .<br \/>Iar aici am o problem\u0103. <br \/>Majoritatea b\u0103ncilor din Rom\u00e2nia comisioneaz\u0103 transferurile \u00eentre conturi bancare, inclusiv local, oferind gratuit\u0103\u021bi cu condi\u021bii, s\u0103 i\u021bi iei salariu la ei, s\u0103 pl\u0103te\u0219ti nu \u0219tiu ce pachet, etc. <\/p>\n\n\n\n<p>Iar asta se \u00eent\u00e2mpl\u0103 dintr-un singur motiv. <strong> Statul rom\u00e2n permite asta \u0219i consider\u0103 c\u0103 e dreptul b\u0103ncilor s\u0103 perceap\u0103 bani la transferul de fonduri local, sau \u00een orice fel, dac\u0103 asta vor. <\/strong><\/p>\n\n\n\n<p>Prin urmare, le permite b\u0103ncilor s\u0103 te trimit\u0103 pe unde vor ei pentru costuri mai mici. <br \/>RoPay e o idee bun\u0103, \u00een general, \u00een detaliu am de zis chestii. <br \/><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1202\" data-attachment-id=\"36441\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=36441#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22.png\" data-orig-size=\"2415,1512\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-1920x1202.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-1920x1202.png\" alt=\"\" class=\"wp-image-36441\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-1920x1202.png 1920w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-480x301.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-200x125.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-768x481.png 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-1536x962.png 1536w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22-2048x1282.png 2048w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/figure>\n\n\n\n<p>Dar eu v\u0103d o problem\u0103 la comisionarea \u00een general a pl\u0103\u021bilor. \u00cen UK pl\u0103\u021bile locale sunt gratuite, pentru c\u0103 b\u0103ncile sunt regulate \u00een sensul \u0103sta de FCA ( <a href=\"https:\/\/commonslibrary.parliament.uk\/research-briefings\/cbp-9453\/\">politica de access to cash<\/a>) . Retragerile de la bancomat sunt gratuite, pentru c\u0103 b\u0103ncile nu au voie s\u0103 perceap\u0103 comisioane, din c\u00e2te \u0219tiu  ( access to cash) &#8211; <strong> pentru carduri locale \u00een moned\u0103 local\u0103 . <\/strong> Nici Euronet, nici al\u021bi jego\u0219i. Sco\u021bi lire de pe un card britanic pe teritoriul UK &#8211; trebuie s\u0103 fie gratis.<br \/>\u0218tiu asta c\u0103 bag cardul meu de Revolut rom\u00e2nesc \u0219i-mi zic simplu c\u0103 \u201dboss, \u00ee\u021bi lu\u0103m comision, peste ce-\u021bi mai ia banca ta\u201d. \u00cen acela\u0219i aparat bag card britanic &#8211; gratis, boss. Fac orice transfer bancar &#8211; f\u0103r\u0103 comision. <br \/>\u0102\u0219tia nici nu folosesc IBAN , local, ci num\u0103r de cont de 8 cifre   \u0219i sort code de 6 cifre, c\u00e2te 2 separate de \u201d-\u201d. \u0218i nu le pas\u0103 de SWIFT, SEPA ,  ei folosesc, tradi\u021bional BACS \u0219i de la un punct \u00eencoace, destul de demult 2008, <a href=\"https:\/\/stripe.com\/gb\/resources\/more\/what-is-faster-payments-a-guide-to-the-uks-real-time-bank-transfer-system\">FPS  <\/a>. <\/p>\n\n\n\n<p>Problema mea cu RoPay e c\u0103 aplica\u021bia de ING zice c\u0103 are nevoie de acces la contactele mele pentru a continua. B\u0103, nu, nu-s de acord cu asta. <br \/>\u00cen\u021beleg c\u0103 e mai u\u0219or, dar nu \u00een\u021beleg de ce nu pot introduce cu m\u00e2na un num\u0103r de telefon acolo, dac\u0103 pe asta se bazeaz\u0103 \u0219i ceva de genul \u0103sta. <br \/>\u00cen\u021beleg problemele de tastare gre\u0219it\u0103, se poate face un cross check cu numele, sau accesul la agend\u0103 poate s\u0103 fie, dar op\u021bional? <br \/>Este obligatoriu? Atunci nu prea e OKish. <\/p>\n\n\n\n<p>\u00cen teorie e un pas \u00eenainte, \u00een sensul c\u0103 am v\u0103zut ceva de genul \u0103sta, mai interesant \u201dswish\u201d \u00een 2017 \u00een Suedia, el era disponibil de prin 2013, dar na, atunci l-am v\u0103zut eu. Nu e r\u0103u s\u0103 avem RoPay cu mai mult de 10 ani mai t\u00e2rziu, dar zic a\u0219a &#8230;<\/p>\n\n\n\n<p>\u00cen general, observ c\u0103 rom\u00e2nii cu care mai vorbesc apreciaz\u0103 RoPay \u0219i \u0103\u0219i doresc s\u0103 aib\u0103 succes pentru a renun\u021ba la Revolut. Mhh&#8230; S\u0103 le fie \u00eentr-un ceas electronic. Eu am mici probleme . <br \/>Nici prin Revolut nu trimit bani pe num\u0103rul de telefon dec\u00e2t unui num\u0103r MIC de persoane apropiate &#8211; cu restul &#8211; vreau IBAN  \u0219i ofer IBAN. <\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>E campanie acuma de promovare a sistemului \u0103stuia de plat\u0103 instant f\u0103r\u0103 card, f\u0103r\u0103 walleturi, doar \u00eentre b\u0103nci. E bun, dar un pic for\u021bat. Promovarea&hellip;<\/p>\n","protected":false},"author":2,"featured_media":36441,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499],"tags":[3057,7232],"class_list":["post-36440","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","tag-banci-2","tag-ropay"],"views":60,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/05\/image-22.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-9tK","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36440","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=36440"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36440\/revisions"}],"predecessor-version":[{"id":36442,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36440\/revisions\/36442"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/36441"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36440"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36440"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36440"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}