Currency exchange directly on your phone without visiting the bank.

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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.

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Thank you in advance!

Dear customer,

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

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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.

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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="eb-eligibility-section">
<h2 class="eb-eligibility-title">&nbsp;</h2>

<h2 class="eb-eligibility-title">Criterii de eligibilitate</h2>

<div class="eb-eligibility-grid">
<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M20 21v-2a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v2"></path><circle cx="12" cy="7" r="4"></circle></svg></div>

<div class="eb-eligibility-text">Ești persoană fizică, cetățean al <strong>Republicii Moldova</strong></div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect><line x1="16" x2="16" y1="2" y2="6"></line><line x1="8" x2="8" y1="2" y2="6"></line><line x1="3" x2="21" y1="10" y2="10"></line></svg></div>

<div class="eb-eligibility-text">Ai v&acirc;rsta cuprinsă &icirc;ntre <strong>21 și 70 de ani</strong></div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><line x1="12" x2="12" y1="1" y2="23"></line><path d="M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"></path></svg></div>

<div class="eb-eligibility-text">Dispui de <strong>venituri confirmate</strong> (salariu, pensie, transferuri)</div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"> <path d="M22 11.08V12a10 10 0 1 1-5.93-9.14"></path> <polyline points="22 4 12 14.01 9 11.01"></polyline> </svg></div>

<div class="eb-eligibility-text">Ai o <strong>istorie creditară</strong> pozitivă</div>
</div>

<div class="eb-eligibility-item eb-item-full">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path><polyline points="9 22 9 12 15 12 15 22"></polyline></svg></div>

<div class="eb-eligibility-text">Dispui de un <strong>bun imobil</strong> &icirc;n proprietate pentru sume de peste 200.000 MDL</div>
</div>
</div>
</div>
<style type="text/css">.eb-eligibility-section {
    background: transparent;
    padding: 0;
    max-width: 1000px;
    margin: 40px auto;
}

.eb-eligibility-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-eligibility-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.eb-eligibility-item {
    display: flex;
    align-items: center;
    background: #ffffff;
    padding: 10px;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}

.eb-icon-wrapper {
    width: 40px;
    height: 40px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 20px;
    height: 20px;
}

.eb-eligibility-text {
    font-size: 15px;
    color: #444;
    line-height: 1.45;
}

.eb-eligibility-text strong {
    color: #1a1a1a;
    font-weight: 700;
}

.eb-item-full {
    grid-column: span 2;
}

@media (max-width: 768px) {
    .eb-eligibility-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-eligibility-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-eligibility-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .eb-item-full {
        grid-column: span 1;
    }

    .eb-eligibility-item {
        padding: 12px !important;
    }
}
</style>


<div class="eb-eligibility-section">
<h2 class="eb-eligibility-title">&nbsp;</h2>

<h2 class="eb-eligibility-title">Критерии соответствия</h2>

<div class="eb-eligibility-grid">
<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M20 21v-2a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v2"></path><circle cx="12" cy="7" r="4"></circle></svg></div>

<div class="eb-eligibility-text">Вы являетесь физическим лицом, гражданином <strong>Республики Молдова</strong></div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect><line x1="16" x2="16" y1="2" y2="6"></line><line x1="8" x2="8" y1="2" y2="6"></line><line x1="3" x2="21" y1="10" y2="10"></line></svg></div>

<div class="eb-eligibility-text">Ваш возраст <strong>от 21 до 70 лет</strong></div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><line x1="12" x2="12" y1="1" y2="23"></line><path d="M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"></path></svg></div>

<div class="eb-eligibility-text">У вас есть <strong>подтверждённые доходы</strong> (заработная плата, пенсия, международные переводы и др.)</div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"> <path d="M22 11.08V12a10 10 0 1 1-5.93-9.14"></path> <polyline points="22 4 12 14.01 9 11.01"></polyline> </svg></div>

<div class="eb-eligibility-text">У вас <strong>положительная</strong> кредитная история</div>
</div>

<div class="eb-eligibility-item eb-item-full">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path><polyline points="9 22 9 12 15 12 15 22"></polyline></svg></div>

<div class="eb-eligibility-text">Вы владеете <strong>недвижимым имуществом</strong>, если сумма кредита превышает 200.000 MDL</div>
</div>
</div>
</div>
<style type="text/css">.eb-eligibility-section {
    background: transparent; /* Eliminat fundalul alb */
    padding: 0; 
    max-width: 1000px;
    margin: 40px auto;
}

.eb-eligibility-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-eligibility-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.eb-eligibility-item {
    display: flex;
    align-items: center;
    background: #ffffff; /* Fundalul este acum doar pe carduri individuale */
    padding: 10px;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03); /* Umbră foarte discretă */
}

.eb-icon-wrapper {
    width: 40px;
    height: 40px;
    background: #fff4e5; /* Portocaliu foarte deschis */
    color: #ff9800;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 20px;
    height: 20px;
}

.eb-eligibility-text {
    font-size: 15px;
    color: #444;
    line-height: 1.45;
}

.eb-eligibility-text strong {
    color: #1a1a1a;
    font-weight: 700;
}

.eb-item-full {
    grid-column: span 2;
}

@media (max-width: 768px) {
    .eb-eligibility-section {
        
        margin: 20px 0 !important; 
        width: 100% !important;
        
    }
    
    .eb-eligibility-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-eligibility-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .eb-item-full {
        grid-column: span 1;
    }

    .eb-eligibility-item {
        padding: 12px !important; 
    }
}
</style>


<div class="eb-calculation-example-section">
<h2 class="eb-section-title">Exemplu de calcul</h2>

<div class="eb-info-box">
<div class="eb-info-icon"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 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="eb-info-content">
<p>Exemplu de calcul pentru un credit &icirc;n sumă de <strong>100.000 MDL</strong>, pe un termen de <strong>60 de luni</strong>, rata dob&acirc;nzii fixă p&acirc;nă la 20.01.2027 &icirc;n mărime de <strong>8,9% anual</strong>, comision lunar de administrare 0%, comision acordare 0%, DAE va constitui <strong>9,21%</strong>.</p>

<p>Rata lunară la credit va constitui <strong class="highlight">2.071 MDL</strong>, suma totală spre achitare va fi <strong class="highlight">124.259,66 MDL</strong>.</p>

<hr class="eb-divider" />
<p class="eb-small-text">Din 21.01.2027 rata dob&acirc;nzii va fi flotantă, fiind compusă din indicele de referință calculat &icirc;n dependență de rata nominală aferentă depozitelor noi atrase, pentru persoanele fizice pe un termen total de la 6 luni p&acirc;nă la 12 luni, la care se adaugă marja băncii &icirc;n mărime de 6%.</p>
</div>
</div>
</div>
<style type="text/css">.eb-calculation-example-section {
    max-width: 1000px;
    margin: 40px auto;
    padding: 0;
}

.eb-section-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-info-box {
    background-color: #fcfcfc;
    border: 1px solid #e0e0e0;
    border-radius: 16px;
    padding: 30px;
    display: flex;
    gap: 20px;
    align-items: flex-start;
    box-shadow: 0 4px 15px rgba(0,0,0,0.02);
}

.eb-info-icon {
    flex-shrink: 0;
    color: #ff9800;
    background: rgba(255, 152, 0, 0.1);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 2px;
}

.eb-info-icon svg {
    width: 20px;
    height: 20px;
}

.eb-info-content p {
    font-size: 15px;
    line-height: 1.6;
    color: #444;
    margin-bottom: 12px;
    margin-top: 0;
}

.eb-info-content p:last-child {
    margin-bottom: 0;
}

.eb-info-content strong {
    font-weight: 700;
    color: #1a1a1a;
}

.eb-info-content strong.highlight {
    color: #ff9800;
    font-weight: 800;
}

.eb-divider {
    border: 0;
    border-top: 1px solid #eeeeee;
    margin: 15px 0;
}

.eb-small-text {
    font-size: 13px !important;
    color: #666 !important;
    font-style: italic;
}

@media (max-width: 768px) {
    .eb-calculation-example-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-section-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-info-box {
        padding: 20px;
        flex-direction: column;
        gap: 12px;
    }

    .eb-info-icon {
        width: 28px;
        height: 28px;
    }

    .eb-info-content p {
        font-size: 14px;
    }
}
</style>


<div class="eb-calculation-example-section">
<h2 class="eb-section-title">Пример расчёта</h2>

<div class="eb-info-box">
<div class="eb-info-icon"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 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="eb-info-content">
<p>Пример расчёта для кредита на сумму <strong>100.000 MDL</strong> сроком на <strong>60 месяцев</strong> с фиксированной процентной ставкой до 20.01.2027 в размере <strong>8,9%</strong> годовых. Ежемесячная комиссия за администрирование кредита &ndash; <strong>0%</strong> от остатка задолженности, комиссия за предоставление кредита &ndash; <strong>0%</strong>. Эффективная годовая процентная ставка (DAE) составляет <strong>9,21%</strong>.</p>

<p>Ежемесячный платёж по кредиту составит <strong class="highlight">2.071 MDL</strong>, общая сумма к оплате&nbsp;&ndash; <strong class="highlight">124.259,66 MDL</strong>.</p>

<hr class="eb-divider" />
<p class="eb-small-text">Начиная с 21.01.2027 процентная ставка становится плавающей и будет состоять из референсного индекса, рассчитываемого в зависимости от номинальной ставки по новым привлечённым депозитам физических лиц на срок от 6 до 12 месяцев, к которой добавляется маржа банка в размере 6%.</p>
</div>
</div>
</div>
<style type="text/css">/* Container Principal */
.eb-calculation-example-section {
    max-width: 1000px;
    margin: 40px auto;
    padding: 0;
}

/* Titlul Secțiunii */
.eb-section-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

/* Chenarul (Info Box) */
.eb-info-box {
    background-color: #fcfcfc;
    border: 1px solid #e0e0e0;
    border-radius: 16px;
    padding: 30px;
    display: flex;
    gap: 20px;
    align-items: flex-start;
    box-shadow: 0 4px 15px rgba(0,0,0,0.02);
}

/* Iconița de Info */
.eb-info-icon {
    flex-shrink: 0;
    color: #ff9800; /* Culoarea Brandului */
    background: rgba(255, 152, 0, 0.1);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 2px;
}

.eb-info-icon svg {
    width: 20px;
    height: 20px;
}

/* Conținutul Text */
.eb-info-content p {
    font-size: 15px;
    line-height: 1.6;
    color: #444;
    margin-bottom: 12px;
    margin-top: 0;
}

.eb-info-content p:last-child {
    margin-bottom: 0;
}

/* Evidențieri (Bold) */
.eb-info-content strong {
    font-weight: 700;
    color: #1a1a1a;
}

/* Evidențieri Speciale (Cifrele Mari) */
.eb-info-content strong.highlight {
    color: #ff9800;
    font-weight: 800;
}

/* Linie Despărțitoare Subtilă */
.eb-divider {
    border: 0;
    border-top: 1px solid #eeeeee;
    margin: 15px 0;
}

/* Textul mic (Nota despre rata flotantă) */
.eb-small-text {
    font-size: 13px !important;
    color: #666 !important;
    font-style: italic;
}

/* Responsive - Mobile */
@media (max-width: 768px) {
    .eb-calculation-example-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-section-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-info-box {
        padding: 20px;
        flex-direction: column; /* Iconița trece deasupra */
        gap: 12px;
    }

    .eb-info-icon {
        width: 28px;
        height: 28px;
    }

    .eb-info-content p {
        font-size: 14px;
    }
}
</style>


<div class="eb-docs-section">
<h2 class="eb-docs-title">Acte necesare</h2>

<div class="eb-docs-grid">
<div class="eb-docs-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="16" rx="2" width="18" x="3" y="4"></rect><circle cx="9" cy="10" r="2"></circle><line x1="15" x2="19" y1="8" y2="8"></line><line x1="15" x2="19" y1="12" y2="12"></line><line x1="7" x2="17" y1="16" y2="16"></line></svg></div>

<div class="eb-docs-text"><strong>Buletinul de identitate</strong> al cetățeanului RM</div>
</div>

<div class="eb-docs-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 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> <line x1="10" x2="8" y1="9" y2="9"></line> </svg></div>

<div class="eb-docs-text"><strong>Alte acte</strong>&nbsp;&icirc;n funcție de sumă și procesul de analiză&nbsp;</div>
</div>
</div>
</div>
<style type="text/css">.eb-docs-section {
    background: transparent;
    max-width: 1000px;
    margin: 40px auto;
    padding: 0;
}

.eb-docs-title {
    font-size: 28px;
    font-weight: 700;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-docs-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.eb-docs-item {
    display: flex;
    align-items: center;
    background: #ffffff;
    padding: 20px;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}

.eb-icon-wrapper {
    width: 40px;
    height: 40px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 20px;
    height: 20px;
}

.eb-docs-text {
    font-size: 15px;
    color: #444;
    line-height: 1.45;
}

.eb-docs-text strong {
    color: #1a1a1a;
    font-weight: 700;
}

@media (max-width: 768px) {
    .eb-docs-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-docs-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-docs-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .eb-docs-item {
        padding: 12px;
    }
}
</style>


<div class="eb-docs-section">
<h2 class="eb-docs-title">Необходимые документы</h2>

<div class="eb-docs-grid">
<div class="eb-docs-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="16" rx="2" width="18" x="3" y="4"></rect><circle cx="9" cy="10" r="2"></circle><line x1="15" x2="19" y1="8" y2="8"></line><line x1="15" x2="19" y1="12" y2="12"></line><line x1="7" x2="17" y1="16" y2="16"></line></svg></div>

<div class="eb-docs-text">Удостоверение личности</div>
</div>

<div class="eb-docs-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 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> <line x1="10" x2="8" y1="9" y2="9"></line> </svg></div>

<div class="eb-docs-text"><strong>Другие документы</strong> в зависимости от суммы и процесса анализа&nbsp;</div>
</div>
</div>
</div>
<style type="text/css">.eb-docs-section {
    background: transparent;
    max-width: 1000px;
    margin: 40px auto;
    padding: 0;
}

.eb-docs-title {
    font-size: 28px;
    font-weight: 700;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-docs-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.eb-docs-item {
    display: flex;
    align-items: center;
    background: #ffffff;
    padding: 20px;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}

.eb-icon-wrapper {
    width: 40px;
    height: 40px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 20px;
    height: 20px;
}

.eb-docs-text {
    font-size: 15px;
    color: #444;
    line-height: 1.45;
}

.eb-docs-text strong {
    color: #1a1a1a;
    font-weight: 700;
}

@media (max-width: 768px) {
    .eb-docs-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-docs-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-docs-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .eb-docs-item {
        padding: 12px;
    }
}
</style>


<h2 class="benefits-heading">&nbsp;</h2>

<h2 class="benefits-heading">Fă-ți propriile calcule</h2>


<p><span style="color:#ff3a30;"><span style="font-size:16px;">Banca atenționează asupra responsabilității rambursării creditului.</span></span></p>

<p>&nbsp;</p>


<h2 class="benefits-heading">&nbsp;</h2>

<h2 class="benefits-heading">Сделай собственные расчёты</h2>


<p><span style="color:#ff3a30;"><span style="font-size:16px;">Банк обращает внимание на ответственность по возврату кредита.</span></span></p>

<p>&nbsp;</p>


<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"> <rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect> <line x1="16" x2="16" y1="2" y2="6"></line> <line x1="8" x2="8" y1="2" y2="6"></line> <line x1="3" x2="21" y1="10" y2="10"></line> </svg></div>

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

<p class="benefit-desc">6-60 luni</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"> <path d="M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20z"></path> <path d="M12 6v6l4 2"></path> </svg></div>

<h3 class="benefit-title">Rată fixă</h3>

<p class="benefit-desc">sau flotantă</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> <line x1="12" x2="12" y1="8" y2="16"></line> <line x1="8" x2="16" y1="12" y2="12"></line> </svg></div>

<h3 class="benefit-title">P&acirc;nă la 400.000 MDL</h3>

<p class="benefit-desc">fără gaj</p>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
}

.benefits-section {
    max-width: 1100px;
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.benefits-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 40px;
    text-align: center;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    width: 100%;
}

.benefit-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 10px;
}

.benefit-icon {
    margin-bottom: 15px;
}

.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;
}

@media (max-width: 768px) {
    .benefits-section {
        padding: 0 4px;
        margin: 20px 0 !important;
        width: 100% !important;
    }

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

    .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 8px;
    }

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

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

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

    .benefit-title {
        font-size: 14px;
        font-weight: 700;
        white-space: nowrap;
    }

    .benefit-desc {
        font-size: 12px;
        line-height: 1.1;
    }
}

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


<div class="benefits-section">
<h2 class="benefits-heading">Основные преимущества</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"> <rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect> <line x1="16" x2="16" y1="2" y2="6"></line> <line x1="8" x2="8" y1="2" y2="6"></line> <line x1="3" x2="21" y1="10" y2="10"></line> </svg></div>

<h3 class="benefit-title">Срок</h3>

<p class="benefit-desc">6&ndash;60 месяцев</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"> <path d="M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20z"></path> <path d="M12 6v6l4 2"></path> </svg></div>

<h3 class="benefit-title">Фиксированная ставка</h3>

<p class="benefit-desc">или плавающая ставка</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> <line x1="12" x2="12" y1="8" y2="16"></line> <line x1="8" x2="16" y1="12" y2="12"></line> </svg></div>

<h3 class="benefit-title">До 400.000 MDL</h3>

<p class="benefit-desc">без залога</p>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
}

.benefits-section {
    max-width: 1100px;
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.benefits-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 40px;
    text-align: center;
}

/* Stiluri implicite (Desktop) */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    width: 100%;
    align-items: start; /* Aliniem elementele sus pe desktop */
}

.benefit-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 10px;
}

.benefit-icon {
    margin-bottom: 15px;
}

.benefit-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text);
    margin: 0 0 8px 0; /* Mărit puțin spațiul sub titlu */
    line-height: 1.3;
}

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

/* Stiluri pentru Mobile */
@media (max-width: 768px) {
    .benefits-section {
        padding: 0 15px; /* Padding lateral standard */
        margin: 30px auto; /* Mai mult spațiu sus/jos */
    }

    .benefits-heading {
        font-size: 24px;
        margin-bottom: 30px; /* Spațiu mai mare sub titlul principal */
    }

    .benefits-grid {
        display: flex;
        justify-content: center;
        align-items: flex-start;
        gap: 12px; /* Spațiu puțin mai mare între coloane */
        grid-template-columns: none;
    }

    .benefit-card {
        padding: 0; /* Eliminăm padding-ul lateral al cardului pentru a lăsa loc textului */
        flex: 1;
        max-width: 120px; /* Lățime maximă puțin mai mare */
        min-width: 90px;
    }

    .benefit-icon {
        margin-bottom: 12px; /* Spațiu mai mare sub iconiță */
    }

    .benefit-icon svg {
        width: 36px;
        height: 36px;
    }

    .benefit-title {
        font-size: 14px;
        line-height: 1.3;
        margin-bottom: 6px; /* Spațiu sub titlu */
        /* --- MODIFICARE CRITICĂ --- */
        white-space: normal; /* Permite textului să treacă pe rând nou */
        word-wrap: break-word; /* Rupe cuvintele lungi dacă e necesar */
        /* ------------------------- */
    }

    .benefit-desc {
        font-size: 13px;
        line-height: 1.3;
    }
}

@media (max-width: 360px) {
    .benefits-grid {
        gap: 8px; /* Spațiu mai mic pe ecrane foarte înguste */
    }
    .benefit-card {
        min-width: 80px;
    }
    .benefit-title {
        font-size: 13px;
    }
    .benefit-desc {
        font-size: 12px;
    }
    .benefit-icon svg {
        width: 32px;
        height: 32px;
    }
}
</style>


<h2 class="eb-section-title">Informații generale</h2>

<div class="eb-details-card">
<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"></path></svg></div>
<span>Suma</span></div>

<div class="eb-detail-value main-highlight">P&acirc;nă la 400.000 MDL</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><circle cx="12" cy="12" r="10"></circle><path d="M16 8h-6a2 2 0 1 0 0 4h4a2 2 0 1 1 0 4H8"></path><path d="M12 18V6"></path></svg></div>
<span>Moneda</span></div>

<div class="eb-detail-value">MDL</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect><line x1="16" x2="16" y1="2" y2="6"></line><line x1="8" x2="8" y1="2" y2="6"></line><line x1="3" x2="21" y1="10" y2="10"></line></svg></div>
<span>Termen</span></div>

<div class="eb-detail-value">P&acirc;nă la 60 luni</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path><polyline points="9 22 9 12 15 12 15 22"></polyline></svg></div>
<span>Destinație</span></div>

<div class="eb-detail-value">Pentru necesități personale sau refinanțare</div>
</div>

<div class="eb-detail-row no-border">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><line x1="19" x2="5" y1="5" y2="19"></line><circle cx="6.5" cy="6.5" r="2.5"></circle><circle cx="17.5" cy="17.5" r="2.5"></circle></svg></div>
<span>Rata dob&acirc;nzii</span></div>

<div class="eb-detail-value">
<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-orange">Venituri din salariu, pensie, dividende</span></div>

<p>Fixă 8,90%, DAE 9,21%<span class="rate-note">*P&acirc;nă la 20.01.2027, din 21.01.2027 flotantă</span></p>
</div>

<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-gray">Venituri din transferuri</span></div>

<p>Flotantă <strong>15,44%</strong>, DAE 27,04%</p>
</div>

<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-gray">Venituri declarative</span></div>

<p>от de la <strong>10,00%</strong> p&acirc;nă la <strong>50,00%</strong></p>
</div>
</div>
</div>
</div>
<style type="text/css">.eb-details-card {
    background: #ffffff;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    padding: 20px 24px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
    color: #1a1a1a;
    max-width: 1000px;
    margin: 20px auto;
}

.eb-section-title {
    font-size: 24px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 20px;
    text-align: center;
}

.eb-detail-row {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding: 14px 0;
    border-bottom: 1px solid #f0f0f0;
}

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

.eb-detail-label {
    flex: 0 0 35%;
    display: flex;
    align-items: center;
    font-size: 16px;
    font-weight: 600;
    color: #666;
}

.eb-icon-small {
    width: 28px;
    height: 28px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 10px;
    flex-shrink: 0;
}

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

.eb-detail-value {
    flex: 1;
    font-size: 16px;
    color: #1a1a1a;
    line-height: 1.4;
    font-weight: 500;
}

.main-highlight {
    font-size: 18px;
    font-weight: 800;
    color: #1a1a1a;
}

.eb-rate-box {
    background: #f9fafb;
    border: 1px solid #eee;
    padding: 10px;
    border-radius: 8px;
    margin-bottom: 8px;
}

.eb-rate-box:last-child {
    margin-bottom: 0;
}

.rate-header {
    margin-bottom: 4px;
}

.eb-rate-box p {
    margin: 0;
    font-size: 14px;
}

.eb-rate-box strong {
    color: #1a1a1a;
    font-weight: 800;
}

.rate-note {
    font-size: 12px;
    color: #888;
    display: block;
    margin-top: 2px;
}

.eb-tag-orange, .eb-tag-gray {
    font-size: 10px;
    font-weight: 700;
    padding: 3px 6px;
    border-radius: 4px;
    text-transform: uppercase;
    display: inline-block;
}

.eb-tag-orange { background: #ff9800; color: white; }
.eb-tag-gray { background: #e0e0e0; color: #444; }

@media (max-width: 768px) {
    .eb-details-card {
        padding: 20px 16px;
        margin: 20px 0 !important;
        width: 100% !important;
    }

    .eb-section-title {
        font-size: 22px;
        margin-bottom: 16px;
    }

    .eb-detail-row {
        flex-direction: column;
        padding: 12px 0;
        gap: 6px;
    }

    .eb-detail-label {
        width: 100%;
        margin-bottom: 0;
    }

    .eb-detail-value {
        width: 100%;
        padding-left: 38px;
        font-size: 14px;
    }
    
    .eb-rate-box {
        padding: 8px;
    }
    
    .rate-note {
        display: inline;
        margin-left: 4px;
    }
}
</style>


Container

<h2 class="eb-section-title">Общая информация</h2>

<div class="eb-details-card">
<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"></path></svg></div>
<span>Сумма</span></div>

<div class="eb-detail-value main-highlight">До 400.000 MDL</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><circle cx="12" cy="12" r="10"></circle><path d="M16 8h-6a2 2 0 1 0 0 4h4a2 2 0 1 1 0 4H8"></path><path d="M12 18V6"></path></svg></div>
<span>Валюта</span></div>

<div class="eb-detail-value">MDL</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect><line x1="16" x2="16" y1="2" y2="6"></line><line x1="8" x2="8" y1="2" y2="6"></line><line x1="3" x2="21" y1="10" y2="10"></line></svg></div>
<span>Срок</span></div>

<div class="eb-detail-value">До 60 месяцев</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path><polyline points="9 22 9 12 15 12 15 22"></polyline></svg></div>
<span>Назначение</span></div>

<div class="eb-detail-value">Для личных нужд или рефинансирования</div>
</div>

<div class="eb-detail-row no-border">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><line x1="19" x2="5" y1="5" y2="19"></line><circle cx="6.5" cy="6.5" r="2.5"></circle><circle cx="17.5" cy="17.5" r="2.5"></circle></svg></div>
<span>Процентная ставка</span></div>

<div class="eb-detail-value">
<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-orange">Доходы из заработной платы, пенсии, дивидендов</span></div>

<p>фиксированная 8,90%, DAE 9,21%<span class="rate-note">*До 20.01.2027, с 21.01.2027 &ndash; плавающая</span></p>
</div>

<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-gray">Доходы из переводов</span></div>

<p>Плавающая <strong>15,44%</strong>, DAE 27,04%</p>
</div>

<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-gray">Декларируемые доходы</span></div>

<p>от <strong>10,00%</strong> до <strong>50,00%</strong></p>
</div>
</div>
</div>
</div>
<style type="text/css">.eb-details-card {
    background: #ffffff;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    padding: 20px 24px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
    color: #1a1a1a;
    max-width: 1000px;
    margin: 20px auto;
}

.eb-section-title {
    font-size: 24px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 20px;
    text-align: center;
}

.eb-detail-row {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding: 14px 0;
    border-bottom: 1px solid #f0f0f0;
}

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

.eb-detail-label {
    flex: 0 0 35%;
    display: flex;
    align-items: center;
    font-size: 16px;
    font-weight: 600;
    color: #666;
}

.eb-icon-small {
    width: 28px;
    height: 28px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 10px;
    flex-shrink: 0;
}

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

.eb-detail-value {
    flex: 1;
    font-size: 16px;
    color: #1a1a1a;
    line-height: 1.4;
    font-weight: 500;
}

.main-highlight {
    font-size: 18px;
    font-weight: 800;
    color: #1a1a1a;
}

.eb-rate-box {
    background: #f9fafb;
    border: 1px solid #eee;
    padding: 10px;
    border-radius: 8px;
    margin-bottom: 8px;
}

.eb-rate-box:last-child {
    margin-bottom: 0;
}

.rate-header {
    margin-bottom: 4px;
}

.eb-rate-box p {
    margin: 0;
    font-size: 14px;
}

.eb-rate-box strong {
    color: #1a1a1a;
    font-weight: 800;
}

.rate-note {
    font-size: 12px;
    color: #888;
    display: block;
    margin-top: 2px;
}

.eb-tag-orange, .eb-tag-gray {
    font-size: 10px;
    font-weight: 700;
    padding: 3px 6px;
    border-radius: 4px;
    text-transform: uppercase;
    display: inline-block;
}

.eb-tag-orange { background: #ff9800; color: white; }
.eb-tag-gray { background: #e0e0e0; color: #444; }

@media (max-width: 768px) {
    .eb-details-card {
        padding: 20px 16px;
        margin: 20px 0 !important;
        width: 100% !important;
    }

    .eb-section-title {
        font-size: 22px;
        margin-bottom: 16px;
    }

    .eb-detail-row {
        flex-direction: column;
        padding: 12px 0;
        gap: 6px;
    }

    .eb-detail-label {
        width: 100%;
        margin-bottom: 0;
    }

    .eb-detail-value {
        width: 100%;
        padding-left: 38px;
        font-size: 14px;
    }
    
    .eb-rate-box {
        padding: 8px;
    }
    
    .rate-note {
        display: inline;
        margin-left: 4px;
    }
}
</style>


<p><strong>Caracteristicile produsului:</strong><br />
&nbsp;</p>


Text

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