{"id":2123996,"date":"2026-09-02T08:12:17","date_gmt":"2026-09-02T05:12:17","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2123996"},"modified":"2026-09-02T08:12:17","modified_gmt":"2026-09-02T05:12:17","slug":"romanii-ar-putea-alege-suma-dorita-la-retragerea-banilor-nu-doar-cea-impusa-de-bancomat-proiectul-de","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2123996","title":{"rendered":"Rom\u00e2nii ar putea alege suma dorit\u0103 la retragerea banilor, nu doar cea \u201eimpus\u0103\u201d de bancomat. Proiectul de&#8230;"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/cdn.adh.reperio.news\/image-6\/6cc1a2b5-0064-4508-815d-45d790862910\/index.jpeg?p=f%3Djpeg%26w%3D1200%26h%3D630%26r%3Dcover&#8221;]<\/p>\n<article class=\"svelte-x63bga\">\n<nav>\n<ul class=\"breadcrump svelte-1pk9a69\">\n<li class=\"svelte-1pk9a69\"><a href=\"https:\/\/adevarul.ro\/\" title=\"Adev\u0103rul\" class=\"svelte-1pk9a69\">Home<\/a><\/li>\n<li class=\"svelte-1pk9a69\"><a href=\"https:\/\/adevarul.ro\/stiri-interne\" class=\"svelte-1pk9a69\">\u0218tiri Interne<\/a><\/li>\n<li class=\"svelte-1pk9a69\"><a href=\"https:\/\/adevarul.ro\/stiri-interne\/societate\" class=\"svelte-1pk9a69\">Societate<\/a><\/li>\n<li class=\"svelte-1pk9a69\"><a href=\"https:\/\/adevarul.ro\/stiri-interne\/societate\/romanii-ar-putea-alege-suma-dorita-la-retragerea-2553572.html\" class=\"svelte-1pk9a69\">Rom\u00e2nii ar putea alege suma dorit\u0103 la retragerea banilor, nu doar cea \u201eimpus\u0103\u201d de bancomat. Proiectul de lege a primit aviz favorabil de la BNR<\/a><\/li>\n<\/ul>\n<\/nav>\n<p><main class=\"svelte-x63bga\"><\/p>\n<p>Rom\u00e2nii ar putea<br \/>\nretrage de la bancomat exact suma de care au nevoie, f\u0103r\u0103 s\u0103 mai fie limita\u021bi<br \/>\nla valorile prestabilite, potrivit unui proiect legislativ care a primit aviz<br \/>\nfavorabil de la BNR.<\/p>\n<div class=\"container-image  svelte-1xbw4f3\"><source type=\"image\/webp\" srcset=\"https:\/\/cdn.adh.reperio.news\/image-6\/6cc1a2b5-0064-4508-815d-45d790862910\/index.jpeg?p=a%3D1%26co%3D1.05%26w%3D1400%26h%3D750%26r%3Dcontain%26f%3Dwebp 1400w\" media=\"(min-width: 1400px)\" \/><\/p>\n<div class=\"caption svelte-1xbw4f3\"><span class=\"captionText svelte-1xbw4f3\">Dac\u0103 proiectul de lege va fi votat, clien\u0163ii ar putea tasta manual suma &#8220;personalizat\u0103&#8221; dorit\u0103. <span class=\"source svelte-1xbw4f3\">Foto: arhiv\u0103<\/span><\/span><\/div>\n<\/div>\n<p>Ave\u0163i nevoie de 430 de lei, dar sunte\u0163i nevoit s\u0103 scoate\u0163i de la bancomat 500 de lei, pentru c\u0103 aceasta este singura op\u0163iune pe care v-o ofer\u0103 ATM-ul? Acest lucru s-ar putea schimba \u00een cur\u00e2nd. \u00cen loc s\u0103 aleag\u0103<br \/>\ndintre valorile afi\u0219ate pe ecran, rom\u00e2nii ar putea introduce direct suma pe<br \/>\ncare vor s\u0103 o retrag\u0103 de la bancomat. Regula s-ar aplica inclusiv atunci c\u00e2nd<br \/>\ncardul este emis de o alt\u0103 banc\u0103 dec\u00e2t cea care opereaz\u0103 ATM-ul. <a href=\"https:\/\/adevarul.ro\/stiri-interne\/societate\/romanii-ar-putea-retrage-orice-suma-de-la-2538925.html\" target=\"_blank\">Propunerea<br \/>\nlegislativ\u0103<\/a>, care modific\u0103 Legea nr. 209\/2019 privind serviciile de plat\u0103 \u00een<br \/>\nacest sens, a primit aviz favorabil din partea B\u0103ncii Na\u021bionale a Rom\u00e2niei<br \/>\n(BNR).<\/p>\n<h2>Orice sum\u0103, \u00een limita<br \/>\nbanilor disponibili<\/h2>\n<p>Proiectul prevede ca<br \/>\nprestatorii de servicii de plat\u0103 care opereaz\u0103 bancomate s\u0103 le ofere<br \/>\nutilizatorilor posibilitatea de a introduce o sum\u0103 \u201epersonalizat\u0103\u201d pentru<br \/>\nretragerea de numerar. Facilitatea ar trebui s\u0103 fie disponibil\u0103 tuturor celor<br \/>\ncare folosesc carduri emise de prestatori autoriza\u021bi s\u0103 opereze \u00een Rom\u00e2nia, indiferent<br \/>\nde <a href=\"https:\/\/adevarul.ro\/economie\/ce-comisioane-vor-plati-romanii-la-retragerea-2428992.html\" target=\"_blank\">banca de la care provine cardul.<\/a><\/p>\n<p>Op\u021biunile rapide, cu<br \/>\nsume prestabilite, ar putea r\u0103m\u00e2ne disponibile, \u00eens\u0103 clien\u0163ilor li s-ar da<br \/>\nposibilitatea de a introduce manual valoarea dorit\u0103.<\/p>\n<p>Retragerea va depinde,<br \/>\n\u00een continuare, de banii disponibili \u00een ATM, de bancnotele aflate \u00een aparat, dar<br \/>\n\u0219i de limitele tehnice \u0219i de securitate aplicabile opera\u021biunii.<\/p>\n<p>Proiectul introduce<br \/>\n\u0219i amenzi pentru operatorii care nu respect\u0103 noile reguli. Dac\u0103 \u00eenc\u0103lcarea<br \/>\nafecteaz\u0103 sau poate afecta interesele consumatorilor, amenda ar putea ajunge \u00eentre<br \/>\n50.000 \u0219i 100.000 de lei.<\/p>\n<p>Operatorii ar avea 90<br \/>\nde zile de la intrarea \u00een vigoare a legii pentru a-\u0219i adapta bancomatele.<\/p>\n<h2>Investi\u021bii \u00een<br \/>\nprincipal \u00een software<\/h2>\n<p>Ini\u021biatorii sus\u021bin c\u0103<br \/>\nschimbarea ar oferi consumatorilor mai mult control asupra banilor din conturi<br \/>\n\u0219i ar elimina diferen\u021bele de tratament dintre clien\u021bii diferi\u021bilor prestatori<br \/>\nde servicii de plat\u0103. \u00cen acela\u0219i timp, ace\u0219tia estimeaz\u0103 c\u0103 m\u0103sura ar face<br \/>\nretragerea numerarului mai accesibil\u0103 \u0219i mai transparent\u0103.<\/p>\n<p>Un alt efect urm\u0103rit<br \/>\neste reducerea situa\u021biilor \u00een care oamenii scot de la bancomat mai mul\u021bi bani<br \/>\ndec\u00e2t au nevoie doar pentru c\u0103 ATM-ul nu le ofer\u0103 posibilitatea de a alege o<br \/>\nsum\u0103 personalizat\u0103. <\/p>\n<p>Noua m\u0103sur\u0103, se arat\u0103<br \/>\n\u00een motivarea proiectului, ar putea contribui \u0219i la cre\u0219terea \u00eencrederii \u00een<br \/>\nserviciile de plat\u0103 \u0219i \u00een pia\u021ba financiar\u0103.<\/p>\n<p>Pe de alt\u0103 parte,<br \/>\npentru operatorii de bancomate costurile implement\u0103rii ar fi reduse. \u00cen<br \/>\nprincipal, ar fi nevoie de actualizarea software-ului \u0219i a interfe\u021belor<br \/>\nterminalelor existente, f\u0103r\u0103 investi\u021bii importante \u00een infrastructura fizic\u0103.<\/p>\n<h2>Ce spune BNR despre<br \/>\nproiect<\/h2>\n<p>Banca Na\u021bional\u0103 a<br \/>\nRom\u00e2niei a dat aviz favorabil propunerii, dar consider\u0103 c\u0103 textul are nevoie de<br \/>\nmai multe clarific\u0103ri \u00eenainte de aplicare.<\/p>\n<p>BNR cere, de exemplu,<br \/>\nclarificarea situa\u021biei prestatorilor de servicii de plat\u0103 autoriza\u021bi \u00een alte<br \/>\nstate membre ale Uniunii Europene, dar care opereaz\u0103 \u00een Rom\u00e2nia. Proiectul ar<br \/>\ntrebui s\u0103 precizeze dac\u0103 \u0219i ace\u0219tia vor fi obliga\u021bi s\u0103 \u00ee\u0219i modifice configura\u021biile<br \/>\ntehnice ale bancomatelor.<\/p>\n<p><i>\u201eAstfel, \u00een vederea asigur\u0103rii coeren\u021bei reglement\u0103rii,<br \/>\ninclusiv prin corelarea dispozi\u021biilor nou introduse cu celelalte prevederi ale<br \/>\nlegii \u0219i prin integrarea corespunz\u0103toare a acestora \u00een ansamblul actului<br \/>\nnormativ, apreciem oportun\u0103 completarea proiectului\u201d,<\/i> au transmis reprezentan\u0163ii BNR \u00een r\u0103spunsul publicat pe<br \/>\n<a href=\"https:\/\/www.senat.ro\/legis\/PDF\/2026\/26b409BNR.PDF?nocache=true\" target=\"_blank\" rel=\"nofollow\">pagina oficial\u0103 a Senatului<\/a> Rom\u00e2niei.<\/p>\n<p>BNR a observat \u0219i o<br \/>\nalt\u0103 problem\u0103 legat\u0103 de categoria persoanelor care ar urma s\u0103 beneficieze de<br \/>\nnoile reguli. Proiectul vorbe\u0219te despre \u201eutilizatorii\u201d de carduri \u0219i servicii<br \/>\nde plat\u0103, f\u0103r\u0103 s\u0103 precizeze c\u0103 este vorba exclusiv despre persoane fizice. <\/p>\n<p><i>\u201eDe asemenea, din cuprinsul proiectului nu rezult\u0103 c\u0103<br \/>\nbeneficiarii noilor dispozi\u021bii sunt limita\u021bi la categoria consumatorilor,<br \/>\ntextul f\u0103c\u00e2nd referire la \u00abutilizatorii\u00bb de carduri\/servicii de plat\u0103. Totu\u0219i,<br \/>\nregimul sanc\u021bionator este configurat exclusiv prin raportare la rela\u021bia cu<br \/>\nconsumatorii, f\u0103r\u0103 a con\u021bine prevederi relevante referitoare la sanc\u021biuni \u0219i autorit\u0103\u021bi<br \/>\ncompetente \u00een situa\u021bia \u00een care beneficiarii ar fi persoane juridice. <\/i><\/p>\n<p><i>Totodat\u0103, apreciem c\u0103 ini\u021biativa ar trebui s\u0103 fac\u0103<br \/>\nobiectul unei consult\u0103ri inclusiv cu sistemul bancar, \u00een vederea identific\u0103rii<br \/>\naspectelor care vizeaz\u0103 bariere poten\u021biale \u00een implementarea uniform\u0103 a<br \/>\ncaracteristicilor tehnice ale terminalelor de plat\u0103\u201d,<\/i> a apreciat BNR.<\/p>\n<p><\/main><\/p>\n<footer class=\"svelte-x63bga\">\n<div class=\"related-wrap related-footer svelte-78g0vl\"><span class=\"related-label svelte-78g0vl\">Cite\u0219te \u0219i<\/span><a class=\"related svelte-78g0vl\" data-gtrack=\"{&quot;event&quot;:&quot;utm_click&quot;,&quot;data&quot;:{&quot;event_category&quot;:&quot;article_related&quot;}}\" href=\"https:\/\/adevarul.ro\/economie\/retragerea-numerarului-de-la-atm-ale-cec-bank-se-2331677.html\" title=\"Alt articol de interes pentru tine\"><img decoding=\"async\" class=\"thumb svelte-78g0vl\" src=\"https:\/\/cdn.adh.reperio.news\/image-a\/a0511054-94a7-42bf-bb0b-9e5712952fff\/index.jpeg?p=f%3Dwebp%26w%3D120%26h%3D80%26r%3Dcover%26a%3D0\" alt loading=\"lazy\" width=\"80\" height=\"54\"><span class=\"title svelte-78g0vl\">Retragerea numerarului de la ATM ale CEC Bank se poate face \u0219i pe baza unui cod QR. 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Rom\u00e2nia ocup\u0103 un loc nea\u0219teptat<\/span><\/a><\/div>\n<div class=\"meta svelte-x63bga\">\n<div class=\"authors svelte-x63bga\"><span class=\"names svelte-x63bga\"><a href=\"https:\/\/adevarul.ro\/author\/2048\" rel=\"author\" class=\"svelte-x63bga\">Florentina Grigore<\/a><\/span><\/p>\n<div class=\"_hydratable\" data-props=\"%7B%22showLive%22%3Atrue%7D\" data-context=\"%7B%22parentBlockColumnCount%22%3A%7B%22value%22%3A0%2C%22type%22%3A%22store%2Freadable%22%7D%2C%22parentBlockBackgroundColor%22%3A%7B%22type%22%3A%22store%2Freadable%22%7D%7D\" data-component=\"ShareButton\">\n<div class=\"shareButtons svelte-itwbrr\">\n<div class=\"liveSessions metaFont svelte-1maxmbf\"><span class=\"value svelte-1maxmbf\">1<\/span> live <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tags svelte-1l3vwp1\"><span class=\"tags-label metaFont svelte-1l3vwp1\">Cite\u0219te mai multe despre<\/span><\/p>\n<div class=\"tags-list svelte-1l3vwp1\"><a href=\"https:\/\/adevarul.ro\/tag\/bnr\" title=\"Ultimele \u0219tiri despre bnr\" class=\"tag-pill svelte-1l3vwp1\">bnr<\/a><a href=\"https:\/\/adevarul.ro\/tag\/banci\" title=\"Ultimele \u0219tiri despre banci\" class=\"tag-pill svelte-1l3vwp1\">banci<\/a><a href=\"https:\/\/adevarul.ro\/tag\/proiect%20de%20lege\" title=\"Ultimele \u0219tiri despre proiect de lege\" class=\"tag-pill svelte-1l3vwp1\">proiect de lege<\/a><a href=\"https:\/\/adevarul.ro\/tag\/bancomate\" title=\"Ultimele \u0219tiri despre bancomate\" class=\"tag-pill svelte-1l3vwp1\">bancomate<\/a><\/div>\n<\/div>\n<\/div>\n<p><a class=\"moreFromCategory svelte-x63bga\" href=\"https:\/\/adevarul.ro\/stiri-interne\/societate\" title=\"Societate\">Mai multe din <strong class=\"svelte-x63bga\">Societate<\/strong> \u203a<\/a><\/footer>\n<\/article>\n<p>[analyse_source url=&#8221;https:\/\/adevarul.ro\/stiri-interne\/societate\/romanii-ar-putea-alege-suma-dorita-la-retragerea-2553572.html&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/cdn.adh.reperio.news\/image-6\/6cc1a2b5-0064-4508-815d-45d790862910\/index.jpeg?p=f%3Djpeg%26w%3D1200%26h%3D630%26r%3Dcover&#8221;] Home \u0218tiri Interne Societate Rom\u00e2nii ar putea alege suma dorit\u0103 la retragerea banilor, nu doar cea \u201eimpus\u0103\u201d de bancomat. Proiectul de lege a primit aviz favorabil de la BNR Rom\u00e2nii ar putea retrage de la bancomat exact suma de care au nevoie, f\u0103r\u0103 s\u0103 mai fie limita\u021bi la valorile prestabilite, potrivit unui [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[19,226],"class_list":["post-2123996","post","type-post","status-publish","format-standard","hentry","category-romania","tag-adevarul","tag-crawlmanager"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2123996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2123996"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2123996\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2123996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2123996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2123996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}