valuta<\/a>, sumele maxime ce pot fi retrase de la bancomat sunt 2.500 USD pe zi \u0219i respectiv 2.200 EUR pe zi.<\/p>\nDe ce exist\u0103 limite maxime de retragere a numerarului din bancomat?<\/h2>\n
Reglementarea sumei maxime de numerar care poate fi retras\u0103 de la bancomat a fost realizat\u0103 pentru a se evita fraudele prin clonarea cardurilor bancare. Astfel, b\u0103ncile vor avea mai pu\u021bin de suferit \u00een cazul \u00een care aceast\u0103 infrac\u021biune este comis\u0103.<\/p>\n
De aceea, principalele 10 b\u0103nci din Rom\u00e2nia au propriile limite \u00een ceea ce prive\u0219te suma maxim\u0103 ce poate fi retras\u0103 la ATM. Aceste reglement\u0103ri ajut\u0103 b\u0103ncile s\u0103 evite pierderile mari rezultate din fraud\u0103.<\/p>\n
Pentru a cunoa\u0219te cu exactitate care este suma maxim\u0103 pe care o po\u021bi retrage de la bancomat, \u00ee\u021bi recomand\u0103m s\u0103 verifici informa\u021biile de pe website-ul sau la telefonul b\u0103ncii la care de\u021bii cont.<\/p>\n
\u0218i totu\u0219i, dac\u0103 \u00ee\u021bi dore\u0219ti s\u0103 retragi o sum\u0103 mai mare dec\u00e2t cea maxim\u0103 impus\u0103 de lege, ori de banc\u0103, cum procedezi? Simplu, vei avea nevoie s\u0103 ridici numerarul de la ghi\u0219eul b\u0103ncii.<\/p>\n
\u00cens\u0103, trebuie s\u0103 \u0219tii c\u0103 va trebui s\u0103 anun\u021bi aceast\u0103 opera\u021biune cu c\u00e2teva zile \u00eenainte, termenul difer\u0103 de la o banc\u0103 la alta. \u00cen plus, trebuie s\u0103 faci tot posibilul s\u0103 \u00ee\u021bi onorezi programarea, altfel vei suferi un comision pe care banca \u021bi-l va lua pentru neprezentare. De asemenea, acest comision difer\u0103 de la banc\u0103 la banc\u0103.<\/p>\n
Plafonarea sumelor maxime ce pot fi retrase de la bancomat \u00eentr-o zi ajut\u0103 \u0219i la \u00eencurajarea pl\u0103\u021bilor la POS, dar \u0219i la evitarea scurgerilor mari de lichidit\u0103\u021bi ale b\u0103ncilor. \u00cen plus, tranzac\u021biile electronice sunt considerate mult mai sigure dec\u00e2t cele cu sume mari de numerar, evit\u00e2nd astfel riscul infrac\u021biunilor ce implic\u0103 falsificarea banilor.<\/p>\n
Care sunt tranzac\u021biile maxime \u00eentre persoane fizice? Dar \u00eentre persoane juridice?<\/h2>\n
Potrivit aceleia\u0219i legi, 70\/2015, suma maxim\u0103 \u00een numerar care poate fi tranzac\u021bionat\u0103 \u00eentre persoane fizice este de 50.000 RON sau 11.300 EUR pe zi. \u00centre o persoan\u0103 fizic\u0103 \u0219i o persoan\u0103 juridic\u0103 se pot tranzac\u021biona maximum 10.000 RON \u00een numerar pe zi, iar \u00eentre persoane juridice suma maxim\u0103 care se poate tranzac\u021biona \u00een cash pe zi este de 5.000 RON.<\/p>\n
\u00cen afar\u0103 de limitele maxime legale ale retragerilor \u0219i tranzac\u021biilor, aceast\u0103 lege mai reglementeaz\u0103 \u0219i alte aspecte. Astfel, pl\u0103\u021bile din avansuri pentru decontare au un plafon maxim de 5.000 RON pe zi.<\/p>\n
Trebuie s\u0103 \u0219tii c\u0103 exist\u0103 \u0219i contraven\u021bii dac\u0103 aceast\u0103 lege nu este respectat\u0103. Cine nu respect\u0103 regulile, va trebui s\u0103 achite o amend\u0103 ce reprezint\u0103 10% din valoarea care dep\u0103\u0219e\u0219te plafonul maxim.<\/p>\n
Excep\u021bii ale plafoanelor maxime ale tranzac\u021biilor<\/h2>\n
Bine\u00eenteles, exist\u0103 \u0219i excep\u021bii \u00een ceea ce prive\u0219te plafoanele maxime ale tranzac\u021biilor. Astfel, legea nu se aplic\u0103 \u00een cazul depunerilor de numerar \u00een conturile deschise la b\u0103nci. Po\u021bi depune orice sum\u0103 \u00een numerar \u00een contul t\u0103u din banc\u0103 la ghi\u0219eu. De asemenea, po\u021bi face aceast\u0103 opera\u021biune \u0219i la orice bancomat pentru depunerea numerarului.<\/p>\n
O alt\u0103 excep\u021bie se refer\u0103 la plata \u00een numerar c\u0103tre institu\u021biile statului care colecteaz\u0103 bani. Mai exact, po\u021bi pl\u0103ti \u00een numerar orice sum\u0103 pentru achitarea taxelor \u0219i impozitelor, dar \u0219i a amenzilor.<\/p>\n
Alte situa\u021bii \u00een care legea 70\/2015<\/a> nu se aplic\u0103: pentru plata cheltuielilor pentru deplasarea exclusiv \u00een interes de serviciu, pentru retragerea numerarului care urmeaz\u0103 s\u0103 fie folosit la plata salariilor sau a altor drepturi de personal.<\/p>\n","protected":false},"excerpt":{"rendered":"\u0218tiai c\u0103 exist\u0103 o sum\u0103 maxim\u0103 de numerar pe care o po\u021bi retrage de la bancomat \u00eentr-o zi? Dar c\u0103 nu po\u021bi pl\u0103ti \u00een numerar peste o anumit\u0103 sum\u0103? Afl\u0103 din articol care sunt reglement\u0103rile legale \u0219i ce efect au asupra ta!<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-158","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\n
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