Currency exchange directly on your phone without visiting the bank.

Advantages:

Send us your suggestions / notifications / opinions about the service experience, using products and/or benefiting from Energbank services.

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is a member of the Deposit Guarantee Scheme of the Republic of Moldova

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Now you can exchange currency between your card or current accounts via Energbank Mobile from Monday to Friday during business days.

With SMART CURS you get the best online currency exchange rate!

To use SMART CURS, download Energbank Mobile.

Have you ever wondered how you can get a better exchange rate? Energbank offers you the best exchange rate in the country.

Subject

if using our services/products, the result was not what you expected and you faced situations where you were dissatisfied with the quality of the products/services or with the behavior of the personnel involved in the service, send us your complaint by filling out the form.

Thank you in advance!

Dear customer,

Schimb valutar direct la tine în telefon, fără a te deplasa la bancă.

Avantaje:

Transmite-ne sugestiile / sesizările / părerile despre experiența de deservire, de utilizare a produselor și/sau de beneficierea de serviciile Energbank.

Utilizăm cookie-uri pentru oferi vizitatorilor o mai bună navigare online, pentru a personaliza conținutul, pentru a analiza traficul și pentru a livra toate funcționalitățile site-ului nostru.

Experiența ta este importantă pentru noi.

este membră a Schemei de Garantare a Depozitelor din Republica Moldova

Nume

Acum poți face schimburi valutare între conturile tale de card sau curente prin Energbank Mobile, de luni până vineri în zilele lucrătoare.

Cu SMART CURS beneficiezi de cel mai avantajos schimb valutar online!

Ca să te bucuri de SMART CURS, folosește și tu Energbank Mobile.

Te-ai întrebat cum poți beneficia de cel mai bun curs valutar? Energbank îți oferă cel mai avantajos curs valutar din țară.

Subiect

dacă beneficiind de serviciile/produsele noastre, rezultatul nu a fost cel așteptat și te-ai confruntat cu situații în care ai fost nemulțumit de calitatea produselor/serviciilor sau de comportamentul personalului implicat în deservire, transmite-ne reclamația ta, completând formularul.

Îți mulțumim anticipat!

Dragă client,

Выгодный обменный курс;

Отсутствие ограничений по срокам и суммам;

Обмен валюты прямо на вашем телефоне без посещения банка.

Преимущества:

Присылайте нам свои предложения/уведомления/мнения об опыте обслуживания, использовании продуктов и/или преимуществах услуг Energbank.

Мы используем файлы cookie, чтобы предоставить посетителям лучший опыт работы в Интернете, персонализировать контент, анализировать трафик и обеспечить все функциональные возможности нашего веб-сайта.

Ваш опыт важен для нас.

является членом системы гарантирования вкладов Республики Молдова

Имя

Теперь вы можете обменивать валюту между своими карточными или текущими счетами через Energbank Mobile с понедельника по пятницу в рабочие дни.

С SMART CURS получаете самый выгодный курс обмена валюты онлайн!

Чтобы воспользоваться SMART CURS, скачайте Energbank Mobile.

Задумывались ли вы, как можете получить лучший обменный курс? Energbank предлагает вам лучший обменный курс в стране.

Тема

если при использовании наших услуг/продуктов результат оказался не таким, как вы ожидали, и вы столкнулись с ситуациями, когда вы были недовольны качеством продуктов/услуг или поведением персонала, задействованного в обслуживании, отправьте нам свою жалобу, заполнив форму форма.

Заранее спасибо!

Уважаемый клиент,

#ffffff

<div class="benefits-section">
<h2 class="benefits-heading">Avantajele serviciului</h2>

<div class="benefits-grid">
<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <line x1="2" x2="22" y1="12" y2="12"></line> <path d="M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z"></path> </svg></div>

<h3 class="benefit-title">40 de state</h3>

<p class="benefit-desc">membre ale Zonei unice de plăți</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <polyline points="12 6 12 12 16 14"></polyline> </svg></div>

<h3 class="benefit-title">Doar 5 minute</h3>

<p class="benefit-desc">termen de executare</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <rect height="20" rx="2" ry="2" width="14" x="5" y="2"></rect> <line x1="12" x2="12.01" y1="18" y2="18"></line> </svg></div>

<h3 class="benefit-title">MyEnergBank</h3>

<p class="benefit-desc">primești transferul direct &icirc;n cont</p>
</div>
</div>
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.benefit-icon {
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.benefit-title {
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.benefits-grid {
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.benefit-card {
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.benefit-icon {
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.benefit-icon svg {
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.benefit-title {
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.benefit-desc {
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.benefit-title {
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.benefit-desc {
font-size: 10px;
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.benefit-icon svg {
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<div class="eb-faq-section">
<h2 class="eb-section-title">&Icirc;ntrebări frecvente (FAQ)</h2>
</div>
<style type="text/css">.eb-faq-section {
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    margin: 40px auto;
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.eb-section-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 32px;
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<div class="fees-section">
<div class="fees-card">
<h3 class="fees-heading">Condiții și comisioane</h3>

<div class="fee-row"><span class="fee-label">Monedă</span> <span class="fee-value">EUR</span></div>

<div class="fee-row"><span class="fee-label">Comision pentru expeditor</span> <span class="fee-value">1 EUR</span></div>

<div class="fee-row"><span class="fee-label">Comision pentru beneficiar</span> <span class="fee-value">0 (gratuit)</span></div>

<div class="fee-row no-border"><span class="fee-label">Termen de executare</span> <span class="fee-value">5 min</span></div>
</div>
</div>
<style type="text/css">:root {
--brand: #FF9900;
--text: #1a1a1a;
--muted: #4b4b4b;
--border-color: #e0e0e0;
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.fees-section {
max-width: 600px;
width: 100%;
margin: 32px auto;
padding: 0 15px;
box-sizing: border-box;
}

.fees-card {
background: #fff;
border: 1px solid var(--border-color);
border-radius: 8px;
padding: 24px;
box-shadow: 0 4px 12px rgba(0,0,0,0.05);
border-top: 4px solid var(--brand);
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.fees-heading {
font-size: 22px;
font-weight: 800;
color: var(--text);
margin: 0 0 24px 0;
text-align: center;
padding-bottom: 12px;
border-bottom: 2px solid #f0f0f0;
}

.fee-row {
display: flex;
justify-content: space-between;
align-items: center;
padding: 14px 0;
border-bottom: 1px dashed var(--border-color);
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.fee-row.no-border {
border-bottom: none;
padding-bottom: 0;
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.fee-label {
font-size: 16px;
color: var(--muted);
font-weight: 500;
}

.fee-value {
font-size: 16px;
color: var(--text);
font-weight: 700;
text-align: right;
}

.fee-row:nth-child(3) .fee-value,
.fee-row:nth-child(4) .fee-value {
color: var(--brand);
}

@media (max-width: 480px) {
.fees-card {
padding: 16px;
}

.fees-heading {
    font-size: 18px;
    margin-bottom: 16px;
}

.fee-label, .fee-value {
    font-size: 14px;
}
}
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<div class="support-section">
<div class="support-grid">
<div class="support-item">
<div class="support-icon"><svg fill="none" height="24" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="24"><path d="M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z"></path><polyline points="14 2 14 8 20 8"></polyline><line x1="16" x2="8" y1="13" y2="13"></line><line x1="16" x2="8" y1="17" y2="17"></line><polyline points="10 9 9 9 8 9"></polyline></svg></div>

<div class="support-content"><span class="support-label">Detalii suplimentare</span> <a class="support-link" href="#" target="_blank">Tarife și condiții generale</a></div>
</div>

<div class="support-item">
<div class="support-icon"><svg fill="none" height="24" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="24"><circle cx="12" cy="12" r="10"></circle><line x1="2" x2="22" y1="12" y2="12"></line><path d="M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z"></path></svg></div>

<div class="support-content"><span class="support-label">Site-ul oficial al sistemului</span> <a class="support-link" href="https://www.ecb.europa.eu" target="_blank">www.ecb.europa.eu</a></div>
</div>

<div class="support-item">
<div class="support-icon"><svg fill="none" height="24" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="24"><path d="M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z"></path></svg></div>

<div class="support-content"><span class="support-label">Suport clienți</span> <a class="support-link phone-link" href="tel:+37322858085">+373 22 85 80 85</a></div>
</div>
</div>
</div>
<style type="text/css">:root {
--brand: #FF9900;
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--muted: #4b4b4b;
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.support-section {
max-width: 1000px;
width: 100%;
margin: 40px auto;
padding: 0 15px;
box-sizing: border-box;
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.support-grid {
display: grid;
grid-template-columns: repeat(3, 1fr);
gap: 16px;
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.support-item {
display: flex;
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background: var(--bg-light);
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.support-item:hover {
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
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.support-icon {
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flex-shrink: 0;
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.support-icon svg {
width: 20px;
height: 20px;
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.support-content {
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color: var(--muted);
margin-bottom: 4px;
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.support-link {
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color: var(--brand);
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grid-template-columns: 1fr;
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<div class="benefits-section">
<h2 class="benefits-heading">Beneficii principale</h2>

<div class="benefits-grid">
<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <line x1="2" x2="22" y1="12" y2="12"></line> <path d="M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z"></path> </svg></div>

<h3 class="benefit-title">27 țări din Europa</h3>

<p class="benefit-desc">+14 țări și teritorii</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <rect height="14" rx="2" width="20" x="2" y="5"></rect> <line x1="2" x2="22" y1="10" y2="10"></line> </svg></div>

<h3 class="benefit-title">Doar 1 EUR</h3>

<p class="benefit-desc">pentru orice transfer</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <polyline points="12 6 12 12 16 14"></polyline> </svg></div>

<h3 class="benefit-title">&Icirc;n maxim 1 zi</h3>

<p class="benefit-desc">lucrătoare</p>
</div>
</div>
</div>
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    width: 100%;
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.benefits-heading {
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.benefits-grid {
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    padding: 10px;
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.benefit-icon {
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    justify-content: center;
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.benefit-title {
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.benefit-desc {
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    .benefits-section {
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        margin: 20px 0 !important;
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    .benefits-heading {
        font-size: 24px;
        margin-bottom: 24px;
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    .benefits-grid {
        gap: 8px;
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    .benefit-icon {
        margin-bottom: 8px;
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    .benefit-title {
        font-size: 12px;
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        font-size: 10px;
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    .benefit-icon svg {
        width: 28px;
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}
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<p>* Comisionul de <strong>1 EUR</strong> se aplică &icirc;n perioada campaniei promoționale <strong>01.04.2026 &ndash; 30.09.2026</strong>, pentru transferuri SEPA efectuate de toți Clienții Băncii persoane fizice.&nbsp;</p>


Promoție valabilă în perioada 1 aprilie 2026 – 30 septembrie 2026

Condițiile oficiale de desfășurare și participare în campania „Mai aproape de cei dragi – doar la Energbank”

<div class="benefits-section">
<h2 class="benefits-heading">Beneficii principale</h2>

<div class="benefits-grid">
<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <line x1="2" x2="22" y1="12" y2="12"></line> <path d="M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z"></path> </svg></div>

<h3 class="benefit-title">27 țări din Europa</h3>

<p class="benefit-desc">+14 țări și teritorii</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <rect height="14" rx="2" width="20" x="2" y="5"></rect> <line x1="2" x2="22" y1="10" y2="10"></line> </svg></div>

<h3 class="benefit-title">Doar 1 EUR*</h3>

<p class="benefit-desc">pentru orice transfer</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <polyline points="12 6 12 12 16 14"></polyline> </svg></div>

<h3 class="benefit-title">&Icirc;n maxim 1 zi</h3>

<p class="benefit-desc">lucrătoare</p>
</div>
</div>
</div>
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    --brand: #FF9900;
    --text: #1a1a1a;
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    padding: 0 15px;
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    font-weight: 800;
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    margin-bottom: 40px;
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}

.benefits-grid {
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    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
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.benefit-card {
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    text-align: center;
    padding: 10px;
}

.benefit-icon {
    margin-bottom: 15px;
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    align-items: center;
    justify-content: center;
}

.benefit-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text);
    margin: 0 0 6px 0;
    line-height: 1.2;
}

.benefit-desc {
    font-size: 15px;
    color: var(--muted);
    margin: 0;
    line-height: 1.4;
}

@media (max-width: 768px) {
    .benefits-section {
        padding: 0 4px;
        margin: 20px 0 !important;
    }

    .benefits-heading {
        font-size: 24px;
        margin-bottom: 24px;
    }

    .benefits-grid {
        gap: 8px;
    }

    .benefit-card {
        padding: 5px 2px;
    }

    .benefit-icon {
        margin-bottom: 8px;
    }

    .benefit-icon svg {
        width: 32px;
        height: 32px;
    }

    .benefit-title {
        font-size: 14px;
        white-space: nowrap;
    }

    .benefit-desc {
        font-size: 12px;
        line-height: 1.2;
    }
}

@media (max-width: 360px) {
    .benefit-title {
        font-size: 12px;
    }
    .benefit-desc {
        font-size: 10px;
    }
    .benefit-icon svg {
        width: 28px;
        height: 28px;
    }
}
</style>


<p style="text-align: center;">&nbsp;</p>

<p style="text-align: center;"><span style="font-size:16px;">* Comisionul de <strong>1 EUR</strong> se aplică &icirc;n perioada campaniei promoționale <strong>01.04.2026 &ndash; 30.09.2026</strong>, pentru transferuri SEPA efectuate de toți Clienții Băncii persoane fizice.&nbsp;</span></p>

<p style="text-align: center;">&nbsp;</p>


<div class="intro-section">
<div class="definition-wrapper">
<div class="definition-icon"><svg fill="none" height="24" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="24"> <circle cx="12" cy="12" r="10"></circle> <line x1="12" x2="12" y1="16" y2="12"></line> <line x1="12" x2="12.01" y1="8" y2="8"></line> </svg></div>

<div class="definition-content">
<p class="definition-text">Transferurile &icirc;n euro către toate țările din UE vor fi mai <strong>rapide</strong>, mai <strong>sigure</strong> și mai <strong>transparente</strong>.</p>
</div>
</div>
</div>
<style type="text/css">:root {
--brand: #FF9900;
--text: #1a1a1a;
--muted: #4b4b4b;
--bg-light: #fff;
}

.intro-section {
max-width: 100%;
width: 100%;
margin: 40px auto 20px auto;
padding: 0 15px;
box-sizing: border-box;
}

.definition-wrapper {
display: flex;
align-items: flex-start;
background-color: var(--bg-light);
border-left: 5px solid var(--brand);
padding: 20px 24px;
border-radius: 6px 8px 8px 6px;
box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
}

.definition-icon {
margin-right: 16px;
margin-top: 2px;
flex-shrink: 0;
}

.definition-content {
display: flex;
flex-direction: column;
}

.definition-text {
font-size: 16px;
line-height: 1.6;
color: var(--muted);
margin: 0;
}

.definition-text strong {
color: var(--text);
font-weight: 700;
}

@media (max-width: 768px) {
.definition-wrapper {
flex-direction: column;
align-items: center;
text-align: center;
border-left: none;
border-top: 5px solid var(--brand);
border-radius: 6px 6px 8px 8px;
padding: 20px 16px;
}

.definition-icon {
    margin-right: 0;
    margin-bottom: 12px;
}
}
</style>


<div class="sepa-info-section">
<h2 class="sepa-main-heading">Ce presupune un transfer SEPA?</h2>

<div class="sepa-content-wrapper">
<div class="sepa-definition-card">
<h3 class="card-subheading">Definiție</h3>

<p class="definition-text">Trimite bani &icirc;n EUR rapid și sigur către țările din zonă.</p>
</div>

<div class="sepa-features-card">
<h3 class="card-subheading">Caracteristici cheie:</h3>

<ul class="features-list">
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Tranzacții efectuate <strong>exclusiv &icirc;n EUR</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Necesită&nbsp;<strong>IBAN-ul&nbsp;beneficiarului</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Costuri <strong>reduse și transparente</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Procesare rapidă, de regulă <strong>p&acirc;nă la 1 zi lucrătoare</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span><strong>Aceleași reguli</strong> pentru transferuri &icirc;n toate țările din zona SEPA</span></li>
</ul>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
    --bg-light: #f9f9f9;
    --border: #e0e0e0;
}

.sepa-info-section {
    max-width: 100%;
    width: 100%;
    margin: 40px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.sepa-main-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 32px;
    text-align: center;
}

.sepa-content-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: stretch; /* Face coloanele egale ca înălțime */
}

/* Card Stanga - Definitia */
.sepa-definition-card {
    background-color: var(--bg-light);
    border-radius: 8px;
    padding: 24px;
    border-left: 5px solid var(--brand); /* Accent vizual */
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.card-subheading {
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--muted);
    margin: 0 0 12px 0;
    font-weight: 600;
}

.definition-text {
    font-size: 20px;
    line-height: 1.5;
    color: var(--text);
    margin: 0;
    font-weight: 500;
}

/* Card Dreapta - Lista */
.sepa-features-card {
    padding: 10px 0;
}

.features-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.features-list li {
    display: flex;
    align-items: flex-start;
    margin-bottom: 16px;
    font-size: 16px;
    color: var(--muted);
    line-height: 1.5;
}

.features-list li strong {
    color: var(--text);
    font-weight: 600;
}

.list-icon {
    margin-right: 12px;
    margin-top: 2px; /* Aliniere fina cu textul */
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #fff3e0; /* Cerc subtil in spatele iconitei */
    width: 28px;
    height: 28px;
    border-radius: 50%;
}

.list-icon svg {
    width: 16px;
    height: 16px;
}

/* Responsivitate */
@media (max-width: 768px) {
    .sepa-content-wrapper {
        grid-template-columns: 1fr; /* Una sub alta pe mobil */
        gap: 24px;
    }

    .sepa-main-heading {
        font-size: 24px;
        text-align: left;
    }

    .definition-text {
        font-size: 18px;
    }
    
    .sepa-definition-card {
        border-left: none;
        border-top: 4px solid var(--brand); /* Pe mobil mutam accentul sus */
    }
}
</style>


<div class="sepa-info-section">
<h2 class="sepa-main-heading">Ce presupune un transfer SEPA?</h2>

<div class="sepa-content-wrapper">
<div class="sepa-definition-card">
<h3 class="card-subheading">&nbsp;</h3>

<p class="definition-text">Trimite bani &icirc;n EUR rapid și sigur către țările din zona SEPA.</p>
</div>

<div class="sepa-features-card">
<h3 class="card-subheading">Caracteristici cheie:</h3>

<ul class="features-list">
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Tranzacții efectuate <strong>exclusiv &icirc;n EUR</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Necesită&nbsp;<strong>IBAN-ul&nbsp;beneficiarului</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Costuri <strong>reduse și transparente</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span>Procesare rapidă, de regulă <strong>p&acirc;nă la 1 zi lucrătoare</strong></span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"> <polyline points="20 6 9 17 4 12"></polyline> </svg></div>
	<span><strong>Aceleași reguli</strong> pentru transferuri &icirc;n toate țările din zona SEPA</span></li>
</ul>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
    --bg-light: #f9f9f9;
    --border: #e0e0e0;
}

.sepa-info-section {
    max-width: 100%;
    width: 100%;
    margin: 40px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.sepa-main-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 32px;
    text-align: center;
}

.sepa-content-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: stretch; /* Face coloanele egale ca înălțime */
}

/* Card Stanga - Definitia */
.sepa-definition-card {
    background-color: var(--bg-light);
    border-radius: 8px;
    padding: 24px;
    border-left: 5px solid var(--brand); /* Accent vizual */
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.card-subheading {
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--muted);
    margin: 0 0 12px 0;
    font-weight: 600;
}

.definition-text {
    font-size: 20px;
    line-height: 1.5;
    color: var(--text);
    margin: 0;
    font-weight: 500;
}

/* Card Dreapta - Lista */
.sepa-features-card {
    padding: 10px 0;
}

.features-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.features-list li {
    display: flex;
    align-items: flex-start;
    margin-bottom: 16px;
    font-size: 16px;
    color: var(--muted);
    line-height: 1.5;
}

.features-list li strong {
    color: var(--text);
    font-weight: 600;
}

.list-icon {
    margin-right: 12px;
    margin-top: 2px; /* Aliniere fina cu textul */
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #fff3e0; /* Cerc subtil in spatele iconitei */
    width: 28px;
    height: 28px;
    border-radius: 50%;
}

.list-icon svg {
    width: 16px;
    height: 16px;
}

/* Responsivitate */
@media (max-width: 768px) {
    .sepa-content-wrapper {
        grid-template-columns: 1fr; /* Una sub alta pe mobil */
        gap: 24px;
    }

    .sepa-main-heading {
        font-size: 24px;
        text-align: left;
    }

    .definition-text {
        font-size: 18px;
    }
    
    .sepa-definition-card {
        border-left: none;
        border-top: 4px solid var(--brand); /* Pe mobil mutam accentul sus */
    }
}
</style>


<div class="fees-section">
<div class="fees-card">
<h3 class="fees-heading">Comisioane aplicate</h3>

<div class="fee-row"><span class="fee-label">Monedă</span> <span class="fee-value"><span style="color:#000000;">EUR</span></span></div>

<div class="fee-row"><span class="fee-label">Comision pentru expeditor</span> <span class="fee-value">1 EUR*</span></div>

<div class="fee-row"><span class="fee-label">Comision pentru beneficiar</span> <span class="fee-value">0 EUR (gratuit)&nbsp;</span></div>

<p>&nbsp;</p>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
    --bg-light: #f9f9f9;
    --border-color: #e0e0e0;
}

.fees-section {
    max-width: 600px; /* Mai îngust pentru a fi ușor de citit */
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.fees-card {
    background: #fff;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    padding: 24px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.05);
    border-top: 4px solid var(--brand); /* Accent vizual */
}

.fees-heading {
    font-size: 22px;
    font-weight: 800;
    color: var(--text);
    margin: 0 0 24px 0;
    text-align: center;
    padding-bottom: 12px;
    border-bottom: 2px solid #f0f0f0;
}

.fee-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 0;
    border-bottom: 1px dashed var(--border-color);
}

.fee-row.no-border {
    border-bottom: none;
    padding-bottom: 0;
}

.fee-label {
    font-size: 16px;
    color: var(--muted);
    font-weight: 500;
}

.fee-value {
    font-size: 16px;
    color: var(--text);
    font-weight: 700;
    text-align: right;
}

/* Evidențiere ușoară pentru costuri */
.fee-row:first-child .fee-value,
.fee-row:nth-child(2) .fee-value {
    color: var(--brand);
}

@media (max-width: 480px) {
    .fees-card {
        padding: 16px;
    }
    
    .fees-heading {
        font-size: 18px;
        margin-bottom: 16px;
    }

    .fee-label, .fee-value {
        font-size: 14px;
    }
}
</style>


<div class="fees-section">
<div class="fees-card">
<h3 class="fees-heading">Comisioane aplicate</h3>

<div class="fee-row"><span class="fee-label">Monedă</span> <span class="fee-value"><span style="color:#000000;">EUR</span></span></div>

<div class="fee-row"><span class="fee-label">Comision pentru expeditor</span> <span class="fee-value">1 EUR*</span></div>

<div class="fee-row"><span class="fee-label">Comision pentru beneficiar</span> <span class="fee-value">0 EUR (gratuit)&nbsp;</span></div>

<div class="fee-row"><span class="fee-label">Termen de executare</span> <span class="fee-value">5 minute&nbsp;&nbsp;</span></div>

<p><br />
<span style="font-size:16px;">*Comisionul de <strong>1 EUR</strong> se aplică &icirc;n perioada campaniei promoționale <strong>01.04.2026 &ndash; 30.09.2026</strong>, pentru transferuri SEPA efectuate de toți Clienții Băncii persoane fizice.&nbsp;</span></p>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
    --bg-light: #f9f9f9;
    --border-color: #e0e0e0;
}

.fees-section {
    max-width: 600px; /* Mai îngust pentru a fi ușor de citit */
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.fees-card {
    background: #fff;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    padding: 24px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.05);
    border-top: 4px solid var(--brand); /* Accent vizual */
}

.fees-heading {
    font-size: 22px;
    font-weight: 800;
    color: var(--text);
    margin: 0 0 24px 0;
    text-align: center;
    padding-bottom: 12px;
    border-bottom: 2px solid #f0f0f0;
}

.fee-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 0;
    border-bottom: 1px dashed var(--border-color);
}

.fee-row.no-border {
    border-bottom: none;
    padding-bottom: 0;
}

.fee-label {
    font-size: 16px;
    color: var(--muted);
    font-weight: 500;
}

.fee-value {
    font-size: 16px;
    color: var(--text);
    font-weight: 700;
    text-align: right;
}

/* Evidențiere ușoară pentru costuri */
.fee-row:first-child .fee-value,
.fee-row:nth-child(2) .fee-value {
    color: var(--brand);
}

@media (max-width: 480px) {
    .fees-card {
        padding: 16px;
    }
    
    .fees-heading {
        font-size: 18px;
        margin-bottom: 16px;
    }

    .fee-label, .fee-value {
        font-size: 14px;
    }
}
</style>


<div class="sepa-list-section">
<h2 class="sepa-heading">Lista țărilor SEPA</h2>

<div class="sepa-groups-container">
<div class="sepa-card ue-card">
<div class="card-header">
<h3 class="card-title">Uniunea Europeană (UE)</h3>
<span class="card-badge">27 țări</span></div>

<ul class="country-list">
	<li>Austria</li>
	<li>Belgia</li>
	<li>Bulgaria</li>
	<li>Croația</li>
	<li>Cipru</li>
	<li>Cehia</li>
	<li>Danemarca</li>
	<li>Estonia</li>
	<li>Finlanda</li>
	<li>Franța</li>
	<li>Germania</li>
	<li>Grecia</li>
	<li>Irlanda</li>
	<li>Italia</li>
	<li>Letonia</li>
	<li>Lituania</li>
	<li>Luxemburg</li>
	<li>Malta</li>
	<li>Țările de Jos (Olanda)</li>
	<li>Polonia</li>
	<li>Portugalia</li>
	<li>Rom&acirc;nia</li>
	<li>Slovacia</li>
	<li>Slovenia</li>
	<li>Spania</li>
	<li>Suedia</li>
	<li>Ungaria</li>
</ul>
</div>

<div class="sepa-card non-ue-card">
<div class="card-header">
<h3 class="card-title">SEPA Non-UE</h3>
<span class="card-badge">14 țări și teritorii</span></div>

<ul class="country-list">
	<li>Andorra</li>
	<li>Islanda</li>
	<li>Liechtenstein</li>
	<li>Monaco</li>
	<li>Norvegia</li>
	<li>San Marino</li>
	<li>Elveția</li>
	<li>Regatul Unit (UK)</li>
	<li>Vatican (Holy See)</li>
	<li>Republica Moldova</li>
	<li>Albania</li>
	<li>Macedonia de Nord</li>
	<li>Muntenegru</li>
	<li>Serbia</li>
</ul>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
    --bg-card: #ffffff;
    --border: #e0e0e0;
}

.sepa-list-section {
    max-width: 100%;
    width: 100%;
    margin: 40px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.sepa-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 32px;
    text-align: center;
}

.sepa-groups-container {
    display: grid;
    grid-template-columns: 3fr 2fr; /* UE primeste mai mult spatiu */
    gap: 24px;
    align-items: start;
}

.sepa-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 24px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.03);
}

.card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
    padding-bottom: 12px;
    border-bottom: 2px solid #f5f5f5;
}

.card-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--text);
    margin: 0;
}

.card-badge {
    font-size: 12px;
    font-weight: 600;
    background-color: #FFF3E0; /* Portocaliu foarte deschis */
    color: var(--brand);
    padding: 4px 10px;
    border-radius: 20px;
}

.country-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

/* Stilizare elemente lista */
.country-list li {
    font-size: 15px;
    color: var(--muted);
    padding: 6px 0;
    display: flex;
    align-items: center;
}

/* Bullet point personalizat */
.country-list li::before {
    content: "";
    display: inline-block;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background-color: var(--brand);
    margin-right: 10px;
    flex-shrink: 0;
}

/* Layout special pentru lista UE (mai lunga) */
.ue-card .country-list {
    column-count: 2; /* Imparte lista in 2 coloane */
    column-gap: 30px;
}

/* Responsivitate */
@media (max-width: 768px) {
    .sepa-groups-container {
        grid-template-columns: 1fr; /* O singura coloana pe mobil */
    }

    .sepa-heading {
        font-size: 24px;
    }

    .ue-card .country-list {
        column-count: 2; /* Pastreaza 2 coloane interne pe tableta/mobil mare */
    }
}

@media (max-width: 480px) {
    .ue-card .country-list {
        column-count: 1; /* O singura coloana interna pe ecrane mici */
    }
    
    .card-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }
}
</style>


Serviciu

<div class="sepa-list-section">
<h2 class="sepa-heading">Lista țărilor SEPA</h2>

<div class="sepa-groups-container">
<div class="sepa-card ue-card">
<div class="card-header">
<h3 class="card-title">Uniunea Europeană (UE)</h3>
<span class="card-badge">27 țări</span></div>

<ul class="country-list">
	<li>Austria</li>
	<li>Belgia</li>
	<li>Bulgaria</li>
	<li>Croația</li>
	<li>Cipru</li>
	<li>Cehia</li>
	<li>Danemarca</li>
	<li>Estonia</li>
	<li>Finlanda</li>
	<li>Franța</li>
	<li>Germania</li>
	<li>Grecia</li>
	<li>Irlanda</li>
	<li>Italia</li>
	<li>Letonia</li>
	<li>Lituania</li>
	<li>Luxemburg</li>
	<li>Malta</li>
	<li>Olanda</li>
	<li>Polonia</li>
	<li>Portugalia</li>
	<li>Rom&acirc;nia</li>
	<li>Slovacia</li>
	<li>Slovenia</li>
	<li>Spania</li>
	<li>Suedia</li>
	<li>Ungaria</li>
</ul>
</div>

<div class="sepa-card non-ue-card">
<div class="card-header">
<h3 class="card-title">SEPA Non-UE</h3>
<span class="card-badge">14 țări și teritorii</span></div>

<ul class="country-list">
	<li>Andorra</li>
	<li>Islanda</li>
	<li>Liechtenstein</li>
	<li>Monaco</li>
	<li>Norvegia</li>
	<li>San Marino</li>
	<li>Elveția</li>
	<li>Regatul Unit (UK)</li>
	<li>Vatican (Holy See)</li>
	<li>Republica Moldova</li>
	<li>Albania</li>
	<li>Macedonia de Nord</li>
	<li>Muntenegru</li>
	<li>Serbia</li>
</ul>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
    --bg-card: #ffffff;
    --border: #e0e0e0;
}

.sepa-list-section {
    max-width: 100%;
    width: 100%;
    margin: 40px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.sepa-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 32px;
    text-align: center;
}

.sepa-groups-container {
    display: grid;
    grid-template-columns: 3fr 2fr; /* UE primeste mai mult spatiu */
    gap: 24px;
    align-items: start;
}

.sepa-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 24px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.03);
}

.card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
    padding-bottom: 12px;
    border-bottom: 2px solid #f5f5f5;
}

.card-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--text);
    margin: 0;
}

.card-badge {
    font-size: 12px;
    font-weight: 600;
    background-color: #FFF3E0; /* Portocaliu foarte deschis */
    color: var(--brand);
    padding: 4px 10px;
    border-radius: 20px;
}

.country-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

/* Stilizare elemente lista */
.country-list li {
    font-size: 15px;
    color: var(--muted);
    padding: 6px 0;
    display: flex;
    align-items: center;
}

/* Bullet point personalizat */
.country-list li::before {
    content: "";
    display: inline-block;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background-color: var(--brand);
    margin-right: 10px;
    flex-shrink: 0;
}

/* Layout special pentru lista UE (mai lunga) */
.ue-card .country-list {
    column-count: 2; /* Imparte lista in 2 coloane */
    column-gap: 30px;
}

/* Responsivitate */
@media (max-width: 768px) {
    .sepa-groups-container {
        grid-template-columns: 1fr; /* O singura coloana pe mobil */
    }

    .sepa-heading {
        font-size: 24px;
    }

    .ue-card .country-list {
        column-count: 2; /* Pastreaza 2 coloane interne pe tableta/mobil mare */
    }
}

@media (max-width: 480px) {
    .ue-card .country-list {
        column-count: 1; /* O singura coloana interna pe ecrane mici */
    }
    
    .card-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }
}
</style>


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