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

Collapse

<p style="background: rgb(238, 238, 238); border: 1px solid rgb(204, 204, 204); padding: 5px 10px;"><span style="font-size:20px;"><strong>am istorie creditară la ENERGBANK</strong><br />
<strong>9,00%*</strong> /&nbsp;6 - 60 de luni</span><br />
<span style="font-size:12px;">*</span><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#1a1a18"><span style="font-weight:400"><span style="font-style:italic"><span style="text-decoration:none">Pentru un credit &icirc;n sumă de 500.000 MDL, pe un termen de 60 de luni, rata flotantă de 9,00% anual, comision lunar de administrare a creditului 0% de la sold, comision pentru acordarea creditului 0%, DAE va constitui 9,33%. Rata lunară la credit va constitui 10.379 MDL, suma totală spre achitare va fi 622.791,87 MDL. Rata dob&acirc;nzii flotantă este 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, care pentru luna mai constituie 5,58% + marja băncii 3,42%.</span></span></span></span></span></span></p>

<p>&nbsp;</p>

<p style="background: rgb(238, 238, 238); border: 1px solid rgb(204, 204, 204); padding: 5px 10px;"><span style="font-size:20px;"><strong>nu am istorie creditară la ENERGBANK</strong><br />
<strong>9,55%* </strong>/&nbsp;6 - 60&nbsp;de luni</span><br />
<span style="font-size:12px;">*</span><span style="font-size:10pt; font-variant:normal; white-space:pre-wrap"><span style="font-family:Arial,sans-serif"><span style="color:#1a1a18"><span style="font-weight:400"><span style="font-style:italic"><span style="text-decoration:none">Pentru un credit &icirc;n sumă de 500.000 MDL, pe un termen de 60 de luni, rata flotantă de 9,55% anual, comision lunar de administrare a creditului 0% de la sold, comision pentru acordarea creditului 0%, DAE va constitui 9,93%. Rata lunară la credit va constitui 10.513 MDL, suma totală spre achitare va fi 630.733,58 MDL. Rata dob&acirc;nzii flotantă este 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, care pentru luna mai constituie 5,58% + marja băncii 3,97%.</span></span></span></span></span></span></p>


<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 1.000.000 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">Salariu pe card Energbank</span></div>

<p>Flotantă <strong>9,00%</strong>, DAE 9,33%</p>
</div>

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

<p>Flotantă <strong>9,55%</strong>, DAE 9,93%</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>


<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 1.000.000 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">Зарплата на карту Energbank</span></div>

<p>плавающая <strong>9,00%</strong>, DAE 9,33%</p>
</div>

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

<p>плавающая <strong>9,55%</strong>, DAE 9,93%</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>


<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">Rata dob&acirc;nzii</h3>

<p class="benefit-desc">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 1.000.000 MDL</h3>

<p class="benefit-desc">cu 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">6-60 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">процентная ставка</h3>

<p class="benefit-desc">Плавающая</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 1.000.000 MDL</h3>

<p class="benefit-desc">с залогом</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>


<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="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 internaționale ș.a.)</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>
</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 от <strong>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 кредитная история</strong></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-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>Actul de evaluare </strong>al bunului adus &icirc;n gaj&nbsp;(evaluarea bunului imobil sau, &icirc;n cazul &icirc;n care gajul propus este un automobil, certificatul de &icirc;nmatriculare al acestuia)</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>Отчёт об оценке предмета залога</strong> (оценка недвижимого имущества либо, если в качестве залога предлагается автомобиль, его свидетельство о регистрации)</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-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>500.000 MDL</strong>, pe un termen de <strong>60 de luni</strong>, rata flotantă de 9,00% anual, comision lunar de administrare a creditului <strong>0%</strong> de la sold, comision pentru acordarea creditului <strong>0%</strong>, DAE va constitui <strong>9,33%</strong>.&nbsp;</p>

<p>Rata lunară la credit va constitui <strong class="highlight">10.379 MDL</strong>, suma totală spre achitare va fi <strong class="highlight">622.791,87 MDL</strong><strong>.</strong></p>

<hr class="eb-divider" />
<p class="eb-small-text">Rata dob&acirc;nzii flotantă este 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, care pentru luna mai constituie 5,58% + marja băncii 3,42%.</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>500.000 MDL</strong> сроком на <strong>60 месяцев</strong> с плавающей процентной ставкой 9,00% 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>9,33%</strong>.&nbsp;</p>

<p>Ежемесячный платёж по кредиту составит <strong class="highlight">10.379 MDL</strong>, общая сумма к оплате &ndash;&nbsp;<strong class="highlight">622.791,87 MDL</strong><strong>.</strong></p>

<hr class="eb-divider" />
<p class="eb-small-text">Плавающая процентная ставка состоит из референсного индекса, рассчитываемого в зависимости от номинальной ставки по новым привлечённым депозитам физических лиц на срок от 6 до 12 месяцев, которая за май составляет 5,58%, плюс маржа банка в размере 3,42%.</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>


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

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


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