{"id":42924,"date":"2023-09-18T16:59:06","date_gmt":"2023-09-18T13:59:06","guid":{"rendered":"https:\/\/financer.com\/ro\/?post_type=company_single&#038;p=42924"},"modified":"2023-09-25T13:15:04","modified_gmt":"2023-09-25T10:15:04","slug":"wise","status":"publish","type":"company_single","link":"https:\/\/financer.com\/ro\/companie\/wise\/","title":{"rendered":"Wise"},"content":{"rendered":"\n<p>Wise (fost TransferWise) este o companie fintech ce ofer\u0103 servicii de conversie valutar\u0103, transferuri interna\u021bionale la costuri mai mult dec\u00e2t acceptabile \u0219i conturi bancare. <\/p>\n\n\n\n<p>Wise a fost denumit\u0103 ini\u021bial TransferWise \u0219i <a href=\"https:\/\/en.wikipedia.org\/wiki\/Wise_(company)\">a fondat\u0103 \u00een 2011 de doi antreprenori estoniei<\/a> care au vrut s\u0103 ofere o alternativ\u0103 mai bun\u0103 \u0219i mai transparent\u0103 la b\u0103ncile tradi\u021bionale pentru trimiterea de bani peste hotare. <\/p>\n\n\n\n<p>De atunci, compania a crescut rapid \u0219i a ajuns s\u0103 aib\u0103 <a href=\"https:\/\/newsroom.wise.com\/en-CAS\/223579-wise-unveils-new-look-as-it-reaches-16-million-customers-served-worldwide-and-continues-global-expansion\">mai bine de 16 milioane de clien\u021bi \u00een 170 de \u021b\u0103ri<\/a>, inclusiv \u00een Rom\u00e2nia, unde peste 100.000 de utilizatori se bucur\u0103 de serviciile oferite.<\/p>\n\n\n\n<p>\u00cen acest Wise review vei putea citi tot ce te-ar putea interesa cu privire la serviciile oferite de aplica\u021bie:<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Avantaje_i_dezavantaje_Wise\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/#Avantaje_i_dezavantaje_Wise\">\n\t\t\t\t\t\t\tAvantaje \u0219i dezavantaje Wise\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Cui_i_se_adreseaz_Wise\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/#Cui_i_se_adreseaz_Wise\">\n\t\t\t\t\t\t\tCui i se adreseaz\u0103 Wise\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Deschidere_cont_Wise\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/#Deschidere_cont_Wise\">\n\t\t\t\t\t\t\tDeschidere cont Wise\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Caracteristicile_Wise\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">4.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/#Caracteristicile_Wise\">\n\t\t\t\t\t\t\tCaracteristicile Wise\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Comisioane_Wise\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">5.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/#Comisioane_Wise\">\n\t\t\t\t\t\t\tComisioane Wise\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Preri_Wise_din_partea_echipei_Financer\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">6.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/#Preri_Wise_din_partea_echipei_Financer\">\n\t\t\t\t\t\t\tP\u0103reri Wise din partea echipei Financer\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Wise_alternative\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">7.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/#Wise_alternative\">\n\t\t\t\t\t\t\tWise alternative\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p>\u00cens\u0103 p\u00e2n\u0103 atunci, haide s\u0103 \u00ee\u021bi prezent\u0103m un tabel cu principalele caracteristici \u0219i costuri Wise:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Caracteristic\u0103<\/th><th class=\"has-text-align-center\" data-align=\"center\">Valoare<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Costul cre\u0103rii contului<\/td><td class=\"has-text-align-center\" data-align=\"center\">Gratuit<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Comisioane medii<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.35 % &#8211; 1.5 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Limita de retragere ATM<\/td><td class=\"has-text-align-center\" data-align=\"center\">1000 lei\/ lun\u0103<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Taxa de retragere ATM<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5 lei per retragere + 1.75 % dup\u0103 dep\u0103\u0219irea limitei lunare<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Ratele de schimb<\/td><td class=\"has-text-align-center\" data-align=\"center\">Cursul mediu al pie\u021bei (f\u0103r\u0103 adaos)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Comision conversie valutar\u0103<\/td><td class=\"has-text-align-center\" data-align=\"center\">De la 0.41 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Costul administr\u0103rii contului<\/td><td class=\"has-text-align-center\" data-align=\"center\">Gratuit<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Produse disponibile<\/td><td class=\"has-text-align-center\" data-align=\"center\">Cont multi-valutar, card de debit, transferuri interna\u021bionale, cont de afaceri<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Varitatea produselor<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 de valute suportate, peste 70 de \u021b\u0103ri destina\u021bie, posibilitatea de a primi bani \u00een 10 valute<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Restric\u021bii clien\u021bi<\/td><td class=\"has-text-align-center\" data-align=\"center\">Trebuie s\u0103 ai minim 18 ani, s\u0103 ai o adres\u0103 valid\u0103 \u0219i un document de identitate verificabil<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/ro\/companie\/wise\/redirect\/\" class=\"button is-rounded is-primary is-medium\" target=\"_blank\" rel=\"sponsored nofollow\">Deschide un cont Wise acum!<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantaje_i_dezavantaje_Wise\">Avantaje \u0219i dezavantaje Wise<\/h2>\n\n\n\n<p>Fostul TransferWise este un serviciu foarte apreciat de clien\u021bii s\u0103i, care \u00eel recomand\u0103 pentru viteza, siguran\u021ba \u0219i economia pe care o ofer\u0103. <\/p>\n\n\n\n<p>Dar iat\u0103 care credem noi c\u0103 ar fi principalele avantaje Wise:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Transferuri rapide<\/strong><\/p>\n<p>Wise este \u00een principal folosit ca un serviciu de <a href=\"https:\/\/financer.com\/ro\/economii\/transfer-bancar\/\">transfer monetar<\/a>. <\/p>\n<p>Aplica\u021bia poate trimite banii \u00een c\u00e2teva ore sau zile, \u00een func\u021bie de valut\u0103 \u0219i destina\u021bie. De exemplu, un transfer din RON \u00een EUR dureaz\u0103 de la c\u00e2teva ore la maximum 2 zile lucr\u0103toare.<\/p>\n<\/li><li><p><strong>Comisioane transparente<\/strong><\/p>\n<p>Un mare avantaj al platformei este c\u0103 \u00eenainte de efectuarea un Wise transfer, aplica\u021bia \u00ee\u021bi arat\u0103 \u00eentotdeauna care vor fi costurile tale, c\u00e2t prime\u0219te destinatarul \u0219i po\u021bi accepta sau refuza termenii \u00eenainte de efectuarea tranzac\u021biei. <\/p>\n<p>Nu exist\u0103 taxe ascunse sau major\u0103ri ale ratei de schimb.<\/p>\n<\/li><li><p><strong>Rate de schimb valutar corecte<\/strong><\/p>\n<p>\u00cen ceea ce prive\u0219te schimburile valutare, Wise folose\u0219te cursul mediu al pie\u021bei, f\u0103r\u0103 adaos, ceea ce \u00eenseamn\u0103 c\u0103 nu ri\u0219ti pierzi bani din cauza unei conversii valutare nefavorabile.<\/p>\n<p>Mai mult dec\u00e2t at\u00e2t, po\u021bi \u201ebloca\u201d o paritate valutar\u0103 pentru o perioad\u0103 prestabilit\u0103 (p\u00e2n\u00e2 la 48 ore), timp \u00een care, indiferent de fluctua\u021bia real\u0103, din pia\u021b\u0103, a acesteia, tu o vei transfera la cursul blocat &#8211; vezi mai multe detalii <a href=\"#Garantarea_cotaiei_valutare\">mai jos<\/a>.<\/p>\n<\/li><li><p><strong>Cont multi-valutar<\/strong><\/p>\n<p>Cu Wise po\u021bi deschide un cont care \u00ee\u021bi permite s\u0103 de\u021bii \u0219i s\u0103 schimbi 10 valute, inclusiv RON, EUR, USD, GBP \u0219i altele. Po\u021bi primi \u0219i trimite bani \u00een 50 valute \u0219i \u00een peste 70 \u021b\u0103ri.<\/p>\n<\/li><li><p><strong>Card de debit<\/strong><\/p>\n<p>Wise \u00ee\u021bi ofer\u0103 un card Mastercard pe care \u00eel po\u021bi folosi pentru a cheltui banii din contul t\u0103u multi-valutar. <\/p>\n<p>Cardul are comisioane mici sau zero pentru tranzac\u021biile interna\u021bionale \u0219i retragerile ATM. Dar mai multe detalii g\u0103se\u0219ti <a href=\"#Card_Wise\">aici<\/a>.<\/p>\n<\/li><li><p><strong>Siguran\u021b\u0103<\/strong><\/p>\n<p>Wise este reglementat de autorit\u0103\u021bile financiare din fiecare \u021bar\u0103 \u00een care opereaz\u0103. Banii t\u0103i sunt proteja\u021bi prin standarde stricte de securitate \u0219i prevenire a fraudelor. <\/p>\n<p>Platforma are peste 16 milioane de clien\u021bi \u0219i o reputa\u021bie excelent\u0103 pe site-urile de recenzii.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Desigur, ca orice platform\u0103 financiar\u0103, nu se poate ca totul s\u0103 fie perfect. Exist\u0103 \u0219i c\u00e2teva situa\u021bii \u00een care clien\u021bii s-au pl\u00e2ns cu privire la serviciile oferite de companie.<\/p>\n\n\n\n<p>Iat\u0103 mai jos care credem noi c\u0103 sunt cele mai notabile dezavantaje Wise:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Comisioane ceva mai mari fa\u021b\u0103 de competi\u021bie<\/strong><\/p>\n<p>Dac\u0103 ini\u021bial, la lansarea pe pia\u021b\u0103, Wise money transfer era de departe cea mai ieftin\u0103 op\u021biune pentru trimiterea de bani \u00een afara Europei, \u00een ziua de ast\u0103zi exist\u0103 \u0219i variante mai ieftine. <\/p>\n<\/li><li><p><strong>F\u0103r\u0103 re\u021bea de sucursale<\/strong><\/p>\n<p>Wise este un serviciu 100 % digital, care se bazeaz\u0103 pe aplica\u021bia \u0219i site-ul s\u0103u. Nu po\u021bi merge la o sucursal\u0103 sau la un agent pentru a trimite sau primi bani. <\/p>\n<p>Trebuie s\u0103 ai un cont bancar care s\u0103 \u00ee\u021bi alimenteze contul Wise \u0219i, desigur, acces la internet pentru a putea efectua transferuri bancare, schimburi valutare etc.<\/p>\n<\/li><li><p><strong>F\u0103r\u0103 op\u021biunea de a pl\u0103ti sau alimenta contul \u00een numerar <\/strong><\/p>\n<p>Cum nu exist\u0103 puncte de lucru Wise nici \u00een Rom\u00e2nia \u0219i nici \u00een alte \u021b\u0103ri, nu vei putea trimite bani cash pe care, ulterior, destinatarul s\u0103 \u00eei ridice \u00een acela\u0219i fel. Transferul intra-conturi este singura variant\u0103.<\/p>\n<p>Totodat\u0103, nu po\u021bi folosi ATM-urile altor b\u0103nci pentru alimentarea unui cont Wise, astfel c\u0103 va trebui s\u0103 mai ai un al doilea cont bancar pe care s\u0103 \u00eel utilizezi \u00een acest scop.<\/p>\n<\/li><li><p><strong>Nu este disponibil \u00een toate \u021b\u0103rile \u0219i valutele<\/strong><\/p>\n<p>Aplica\u021bia nu acoper\u0103 toate valutele posibile. De exemplu, nu po\u021bi trimite bani \u00een Serbia, multe din \u021b\u0103rile africane \u0219i asiatice.<\/p>\n<\/li><li><p><strong>Nu este o banc\u0103<\/strong><\/p>\n<p>Spre deosebire de <a href=\"https:\/\/financer.com\/ro\/companie\/revolut\/\" data-type=\"page\">alte fintech-uri disponibile \u00een \u021bara noastr\u0103<\/a>, nu exist\u0103 a\u0219a ceva ca Wise Bank. Aplica\u021bia nu \u0219i-a luat licen\u021ba bancar\u0103, astfel c\u0103 fondurile nu sunt garantate de FGDB.<\/p>\n<\/li><li><p><strong>Comision pentru conversia valutar\u0103<\/strong><\/p>\n<p>La schimburile valutare, cu toate c\u0103 te bucuri de cursuri bune, ai de pl\u0103tit o tax\u0103 ce variaz\u0103 \u00een func\u021bie de valutele selectate, dar care porne\u0219te de la 0.41 %.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cui_i_se_adreseaz_Wise\">Cui i se adreseaz\u0103 Wise<\/h2>\n\n\n\n<p>Wise este un serviciu potrivit pentru persoanele fizice \u0219i juridice care au nevoie s\u0103 trimit\u0103, primeasc\u0103 sau cheltuiasc\u0103 bani \u00een diferite valute. <\/p>\n\n\n\n<p>Pe de alt\u0103 parte, nu este un serviciu ideal pentru cei care nu au un cont bancar la o alt\u0103 banc\u0103 sau acces la internet. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ce_i_trebuie_pentru_a_deschide_un_cont_Wise\">Ce \u00ee\u021bi trebuie pentru a deschide un cont Wise<\/h3>\n\n\n\n<p>Iat\u0103 care sunt condi\u021biile pe care va trebui s\u0103 le \u00eendepline\u0219ti pentru a-\u021bi putea deschide un cont Wise:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>S\u0103 ai cel pu\u021bin 18 ani<\/p>\n<\/li><li><p>S\u0103 ai o carte de identitate valabil\u0103<\/p>\n<\/li><li><p>S\u0103 ai o adres\u0103 valabil\u0103<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Pentru_cine_este_Wise\">Pentru cine este Wise<\/h3>\n\n\n\n<p>Wise este un ideal pentru cei care au nevoie s\u0103 efectueze transferuri bancare, \u00een special interna\u021bionale \u0219i s\u0103 schimbe valute \u00eentre ele la cursuri de schimb bune. <\/p>\n\n\n\n<p><em>Astfel, aplica\u021bia este ideal\u0103 pentru tine dac\u0103:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Locuie\u0219ti, lucrezi sau c\u0103l\u0103tore\u0219ti frecvent peste hotare \u0219i ai nevoie de o aplica\u021bie care s\u0103 \u00ee\u021bi permit\u0103 s\u0103 transferi bani rapid, f\u0103r\u0103 costuri ascunse.<\/p>\n<\/li><li><p>Ai o afacere mic\u0103 ce opereaz\u0103 la nivel interna\u021bional \u0219i ai nevoie s\u0103 pl\u0103te\u0219ti angaja\u021bi, furnizori sau parteneri \u00een valute diferite.<\/p>\n<\/li><li><p>Vrei o aplica\u021bie care s\u0103 \u00ee\u021bi ofere un curs de schimb valutar bun, f\u0103r\u0103 mark-up-uri sau alte taxe de conversie.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Pentru_cine_nu_este_Wise\">Pentru cine nu este Wise<\/h3>\n\n\n\n<p>Sigur, Wise nu este pentru toat\u0103 lumea. Ca atare, \u00ee\u021bi recomand\u0103m s\u0103 stai deoparte de ea, dac\u0103:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Nu ai un cont bancar sau un acces la internet. Cum Wise nu are puncte de lucru fizice, alimentarea contului se poate face doar dintr-un alt cont bancar, iar pl\u0103\u021bile se realizeaz\u0103 doar de pe aplica\u021bie, necesit\u00e2nd acces la internet.<\/p>\n<\/li><li><p>Ai nevoie de servicii bancare complexe. Wise nu este o banc\u0103, ci un serviciu de transfer de bani cu cont IBAN \u0219i card ata\u0219at. Nu \u00ee\u021bi ofer\u0103 un credit, un depozit sau un card de credit, nu po\u021bi depune numerar la ATM-uri Wise, nu po\u021bi pl\u0103ti facturi sau impozite etc.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Deschidere_cont_Wise\">Deschidere cont Wise<\/h2>\n\n\n<h4>Pa\u0219i<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Acceseaz\u0103 link-ul de redirec\u021bionare<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Introdu adresa de mail \u0219i alege tipul de cont<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Introdu num\u0103rul de telefon \u0219i seteaz\u0103 o parol\u0103<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Completeaz\u0103-\u021bi datele personale \u0219i verific\u0103 adresa de mail<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. Verific\u0103-\u021bi identitatea<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_6\">6. D\u0103-\u021bi comand\u0103 de un Wise card<\/a><\/div><div class=\"single-article__steps\"><div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Pasul 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Acceseaza-link-ul-de-redirectionare\">Acceseaz\u0103 link-ul de redirec\u021bionare<\/h3><p>Primul pas pe care trebuie s\u0103 \u00eel faci pentru a-\u021bi deschide un cont Wise este s\u0103 ape\u0219i pe <a href=\"https:\/\/financer.com\/ro\/companie\/wise\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">acest link<\/a>, care te va redirec\u021biona pe pagina oficial\u0103 a aplica\u021biei.\u00a0<\/p>\n<p>Acolo, alege op\u021biunea de deschidere cont nou:<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-42938 size-large\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/transferwise-1024x445.png\" alt=\"transferwise\" width=\"1024\" height=\"445\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/transferwise-1024x445.png 1024w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/transferwise-300x130.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/transferwise-768x333.png 768w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/transferwise.png 1343w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Pasul 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Introdu-adresa-de-mail-si-alege-tipul-de-cont\">Introdu adresa de mail \u0219i alege tipul de cont<\/h3><p>Vei avea de introdus o adres\u0103 de mail \u0219i apoi vei fi \u00eentrebat ce tip de cont vrei s\u0103 deschizi &#8211; personal sau business.<\/p>\n<p>Alege varianta dorit\u0103.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-42939 size-large\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-romania-1024x464.png\" alt=\"wise Romania\" width=\"1024\" height=\"464\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-romania-1024x464.png 1024w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-romania-300x136.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-romania-768x348.png 768w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-romania.png 1339w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Pasul 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Introdu-numarul-de-telefon-si-seteaza-o-parola\">Introdu num\u0103rul de telefon \u0219i seteaz\u0103 o parol\u0103<\/h3><p>Va trebui s\u0103 \u00ee\u021bi introduci num\u0103rul de telefon, unde vei primi o parol\u0103. Introdu-o \u00een pasul urm\u0103tor pentru activarea protec\u021bie 2FA \u0219i seteaz\u0103-\u021bi o parol\u0103 pentru cont.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Pasul 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Completeaza-ti-datele-personale-si-verifica-adresa-de-mail\">Completeaz\u0103-\u021bi datele personale \u0219i verific\u0103 adresa de mail<\/h3><p>Vei avea de introdus date personale precum nume, prenume, num\u0103r de telefon, apoi de acceptat termenii \u0219i condi\u021biile Wise, dup\u0103 care de verificat adresa de mail prin introducerea unui cod primit pe aceasta.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Pasul 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Verifica-ti-identitatea\">Verific\u0103-\u021bi identitatea<\/h3><p>Pasul acesta implic\u0103 \u00eenc\u0103rcarea unei poze cu o carte de identitate valabil\u0103 (CI sau pa\u0219aport). Confirmarea nu ar trebui s\u0103 dureze mai mult de c\u00e2teva minute.<\/p><\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag\" id=\"step_6\">Op\u021bional<\/div>\n <div class=\"single-article__conclusion-item\">\n <div class=\"single-article__conclusion-content\">\n <p>Op\u021bional, dac\u0103 dore\u0219ti, vei putea s\u0103 \u00ee\u021bi comanzi un card Wise care va fi ata\u0219at contului abia deschis. Costul este de 43 lei, iar plasticul va ajunge la tine \u00een c\u00e2teva zile.<\/p> <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Caracteristicile_Wise\">Caracteristicile Wise<\/h2>\n\n\n\n<p>A\u0219a cum am tot prezentat p\u00e2n\u0103 acum, Wise este mai mult dec\u00e2t un simplu serviciu de transfer de bani. <\/p>\n\n\n\n<p>Aplica\u021bia \u00ee\u021bi ofer\u0103 o serie de caracteristici care \u00ee\u021bi permit s\u0103 \u00ee\u021bi gestionezi finan\u021bele la nivel interna\u021bional. Iat\u0103 c\u00e2teva dintre ele:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cum_fucioneaz_Wise\">Cum fuc\u021bioneaz\u0103 Wise<\/h3>\n\n\n\n<p>Wise folose\u0219te o metod\u0103 inovatoare numit\u0103 \u201etransferuri peer-to-peer\u201d. Asta \u00eenseamn\u0103 c\u0103 Wise nu trimite banii t\u0103i peste hotare, ci \u00eei schimb\u0103 cu al\u021bi clien\u021bi care vor s\u0103 trimit\u0103 bani \u00een sens invers. <\/p>\n\n\n\n<p>Prin acest procedeu, Wise evit\u0103 taxele bancare interna\u021bionale \u0219i poate s\u0103 \u00ee\u021bi ofere ratele de schimb reale ale pie\u021bei.<\/p>\n\n\n\n<p>Credem c\u0103 vei \u00een\u021belege mai bine modul de func\u021bionare printr-un exemplu practic:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Wise are deschise conturi bancare separate pentru fiecare dintre cele 50 monede disponibile pe platform\u0103 din care \u0219i \u00een care face pl\u0103\u021bi atunci c\u00e2nd noi efectu\u0103m un transfer.<\/p>\n<p>S\u0103 zicem c\u0103 ai 1000 Eur \u0219i vrei s\u0103 \u00eei trimi\u021bi din Rom\u00e2nia \u0219i s\u0103 ajung\u0103 \u00een SUA sub form\u0103 de USD. Wise va lua cei 1000 Eur de la tine \u0219i \u00eei va depune \u00eentr-un cont deschis separat pentru aceast\u0103 valut\u0103. Apoi va lua USD de la un cont similar \u0219i \u00eei va da destinatarului t\u0103u din SUA.<\/p>\n<p>Din contul de Eur, banii pe care i-ai depus tu vor fi folosi\u021bi atunci c\u00e2nd cineva va vrea s\u0103 fac\u0103 pl\u0103\u021bi \u00een aceast\u0103 moned\u0103.<\/p>\n<p>Astfel, banii nu traverseaz\u0103 grani\u021bele, ci sunt transfera\u021bi c\u0103tre conturile Wise din diferite \u021b\u0103ri, de unde apoi sunt folosi\u021bi pentru a face alte pl\u0103\u021bi.<\/p>\n<p>Pentru ca acest proces s\u0103 fie posibil \u0219i a nu r\u0103m\u00e2ne f\u0103r\u0103 bani, Wise are rezerve foarte mari \u00een fiecare valut\u0103.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Cont_multi_valutar\">Cont multi-valutar<\/h3>\n\n\n\n<p>Cu Wise po\u021bi deschide un cont IBAN care \u00ee\u021bi permite s\u0103 de\u021bii \u0219i s\u0103 schimbi peste 50 de valute. <\/p>\n\n\n\n<p>Po\u021bi primi bani \u00een 10 valute, inclusiv RON, EUR, USD, GBP \u0219i altele. Po\u021bi schimba banii \u00eentre valute cu rate de schimb corecte \u0219i comisioane mici. Po\u021bi trimite bani \u00een peste 70 de \u021b\u0103ri.<\/p>\n\n\n\n<p>Contul multi-valutar este foarte util dac\u0103 ai venituri sau cheltuieli \u00een diferite valute. <\/p>\n\n\n\n<p>De exemplu, dac\u0103 lucrezi pentru o companie str\u0103in\u0103 \u0219i prime\u0219ti salariul \u00een EUR, po\u021bi primi banii direct \u00een contul t\u0103u Wise f\u0103r\u0103 s\u0103 pl\u0103te\u0219ti taxe bancare interna\u021bionale. <\/p>\n\n\n\n<p>Apoi po\u021bi schimba banii \u00een lei sau orice alt\u0103 valut\u0103 la cursuri valutare bune \u0219i comisioane ce pornesc de la 0.41 %. <\/p>\n\n\n\n<p>Sau dac\u0103 vrei s\u0103 c\u0103l\u0103tore\u0219ti \u00een afara \u021b\u0103rii, po\u021bi schimba banii \u00een valuta \u021b\u0103rii destina\u021bie \u0219i s\u0103 \u00eei cheltui cu un card Wise ata\u0219at contului, f\u0103r\u0103 s\u0103 \u00ee\u021bi faci griji de ratele de schimb sau taxele ascunse.<\/p>\n\n\n\n<p>Pentru a deschide un cont multi-valutar, trebuie s\u0103 ai un cont Wise \u0219i s\u0103 accesezi sec\u021biunea \u201cBalances\u201d pe site-ul sau aplica\u021bia Wise. <\/p>\n\n\n\n<p>Apoi po\u021bi ad\u0103uga orice valut\u0103 suportat\u0103 de Wise \u0219i s\u0103 \u00ee\u021bi vezi IBAN-ul personal moneda selectat\u0103.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Card_Wise\">Card Wise<\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"627\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/card-wise-1024x627.jpg\" alt=\"card wise\" class=\"wp-image-42940\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/card-wise-1024x627.jpg 1024w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/card-wise-300x184.jpg 300w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/card-wise-768x470.jpg 768w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/card-wise-246x152.jpg 246w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/card-wise.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Sursa foto &#8211; Wise Rom\u00e2nia<\/figcaption><\/figure><\/div>\n\n\n<p>Cardul Wise este un card de debit Mastercard care \u00ee\u021bi permite s\u0103 faci pl\u0103\u021bi \u00een orice valut\u0103, online sau offline, oriunde se accept\u0103 Mastercard, beneficiind de cursuri valutare bune \u0219i comisioane mici.<\/p>\n\n\n\n<p>Cardul nu are niciun cost de administrare lunar\u0103 sau anual\u0103. Dac\u0103 pl\u0103te\u0219ti \u00eentr-o valut\u0103 pe care o de\u021bii deja \u00een cont, nici nu va trebui s\u0103 pl\u0103te\u0219ti vreun comision. De exemplu, dac\u0103 ai bani \u00een EUR \u0219i pl\u0103te\u0219ti \u00een EUR, nu pl\u0103te\u0219ti nimic \u00een plus.<\/p>\n\n\n\n<p>Pe de alt\u0103 parte, dac\u0103 pl\u0103te\u0219ti \u00eentr-o valut\u0103 pe care nu o de\u021bii \u00een al t\u0103u cont Wise, se aplic\u0103 o tax\u0103 de conversie valutar\u0103. Aceasta este un procent din suma pl\u0103tit\u0103, care variaz\u0103 \u00een func\u021bie de valut\u0103. <\/p>\n\n\n\n<p>De exemplu, dac\u0103 \u00een cont lei \u0219i pl\u0103te\u0219ti \u00een GBP, se aplic\u0103 o tax\u0103 de 1.28 lei + 0. 75 %. Po\u021bi verifica taxa de conversie valutar\u0103 pentru fiecare valut\u0103 pe site-ul sau aplica\u021bia Wise.<\/p>\n\n\n\n<p>Totodat\u0103, prin intermediul unui Wise card vei avea \u0219i posibilitatea de a retrage bani de la bancomate. <\/p>\n\n\n\n<p>Po\u021bi retrage gratuit p\u00e2n\u0103 la 200 EUR (sau echivalentul \u00een alt\u0103 valut\u0103, 1000 lei \u00een \u021bara noastr\u0103) pe lun\u0103, dup\u0103 care se aplic\u0103 o tax\u0103 de 2 %. \u00cen plus, ai de pl\u0103tit 2.5 lei pentru fiecare retragere, indiferent dac\u0103 ai dep\u0103\u0219it sau nu limita. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Pentru a primi un card Wise, trebuie s\u0103 accesezi sec\u021biunea \u201eCard\u201d pe site-ul sau aplica\u021bia Wise, apoi po\u021bi comanda cardul \u0219i s\u0103 \u00eel activezi dup\u0103 ce \u00eel prime\u0219ti (achit\u00e2nd o tax\u0103 unic\u0103 de 43 lei).<\/p>\n<p>Livrarea cardului dureaz\u0103 \u00eentre 5 \u0219i 10 zile lucr\u0103toare. Po\u021bi urm\u0103ri starea livr\u0103rii pe site-ul sau aplica\u021bia Wise.<\/p><p class=\"has-text-left\">\n\t <a href=\"https:\/\/financer.com\/ro\/companie\/wise\/redirect\/\" rel=\"sponsored nofollow\" target=\"_blank\" class=\"button is-normal is-primary is-rounded is-large\">Comand\u0103 un card Wise acum <\/a>\n\t<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Wise_Business\">Wise Business<\/h3>\n\n\n\n<p>Platforma \u00ee\u021bi ofer\u0103 op\u021biunea de a deschide \u0219i un cont Wise Business are \u00ee\u021bi permite s\u0103 pl\u0103te\u0219ti angaja\u021bi, furnizori \u0219i parteneri \u00een diferite valute, po\u021bi emite facturi \u0219i efectua pl\u0103\u021bi. <\/p>\n\n\n\n<p>Po\u021bi conecta contul de afaceri cu alte servicii, cum ar fi Xero, QuickBooks sau Shopify.<\/p>\n\n\n\n<p>Costurile unui astfel de cont vor diferi \u00een func\u021bie de dimensiunea companiei \u0219i de volumul de tranzac\u021bii, dar \u00een cazul variantei gratuite po\u021bi efectua p\u00e2n\u0103 la 5 transferuri pe lun\u0103.<\/p>\n\n\n\n<p>Noi am testat Wise Business Rom\u00e2nia \u0219i putem spune c\u0103 este foarte avantajos dac\u0103 ai o afacere mic\u0103 ce opereaz\u0103 la nivel interna\u021bional. <\/p>\n\n\n\n<p>De exemplu, dac\u0103 ai angaja\u021bi sau parteneri \u00een diferite \u021b\u0103ri \u0219i vrei s\u0103 le pl\u0103te\u0219ti salariile sau facturile \u00een valuta lor local\u0103, f\u0103r\u0103 s\u0103 pierzi bani la conversia valutar\u0103, contul este unul ideal.<\/p>\n\n\n\n<p><em>\u274c Singurul punct minus pe care l-am remarcat noi la acest serviciu este c\u0103 nu vei putea efectua pl\u0103\u021bi c\u0103tre Bugetul de Stat prin intermediul aplica\u021biei.<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Deschide_i_un_cont_Wise_Business\">Deschide-\u021bi un cont Wise Business Rom\u00e2nia<\/h3><p><\/p>\n<p>Pentru a deschide un cont de afaceri, trebuie ape\u0219i pe <a href=\"https:\/\/financer.com\/ro\/companie\/wise\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">acest link<\/a> \u0219i, dup\u0103 introducerea adresei de mail \u0219i ape\u0219i pe \u201eDeschidere cont nou\u201d, s\u0103 alegi sec\u021biunea \u201eBusiness\u201d.<\/p>\n<p> <\/p>\n<p>Apoi po\u021bi adauga datele tale de afaceri, cum ar fi numele firmei, adresa, num\u0103rul de \u00eenregistrare \u0219i domeniul de activitate.<\/p>\n<p> <\/p>\n<p>Trebuie s\u0103 verifici identitatea ta ca reprezentant legal al firmei \u0219i s\u0103 accep\u021bi termenii \u0219i condi\u021biile Wise.<\/p>\n<p><\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"IBAN_diferit_pentru_10_monede\">IBAN diferit pentru 10 monede<\/h3>\n\n\n\n<p>Wise \u00ee\u021bi ofer\u0103 un IBAN personal pentru fiecare din cele 10 valute pe care le po\u021bi de\u021bine \u00een contul t\u00e2u multi-valutar. <\/p>\n\n\n\n<p>Prin intermediul lui vei putea primi bani, efectua pl\u0103\u021bi online \u0219i offline, realiza transferuri bancare sau chiar \u00ee\u021bi vei putea \u00eencasa salariul, dac\u0103 asta dore\u0219ti, desigur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Garantarea_cotaiei_valutare\">Garantarea cota\u021biei valutare<\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"865\" height=\"555\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise.png\" alt=\"wise\" class=\"wp-image-42936\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise.png 865w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-300x192.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-768x493.png 768w\" sizes=\"(max-width: 865px) 100vw, 865px\" \/><\/figure><\/div>\n\n\n<p>Wise \u00ee\u021bi ofer\u0103 posibilitatea de a \u201ebloca\u201d o cotatie valutar\u0103 p\u00e2n\u0103 la maxim 48 ore, \u00een func\u021bie de valut\u0103, atunci c\u00e2nd vrei s\u0103 faci un transfer interna\u021bional. <\/p>\n\n\n\n<p>Ce \u00eenseamn\u0103 asta? C\u0103 dac\u0103 ai urm\u0103rit paritatea dintre dou\u0103 monede \u0219i observi un moment bun \u00een care cursul \u00ee\u021bi este favorabil, po\u021bi ini\u021bia transferul chiar dac\u0103 nu ai bani \u00een cont \u00een momentul respectiv, iar aplica\u021bia \u00ee\u021bi va p\u0103stra cota\u021bia pentru num\u0103rul determinat de ore &#8211; 16 \u00een exemplul de mai sus.<\/p>\n\n\n\n<p>Dac\u0103 nu depui banii \u00een timp util \u0219i transferul e anulat, vei pierde taxa de blocare. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Aici exist\u0103 totu\u0219i un asterisc \u00een termenii \u0219i condi\u021biile aplica\u021biei, conform c\u0103ruia dac\u0103 are loc o functua\u021bie pe pia\u021b\u0103 mai mare de 5 %, Wise are dreptul de a anula tranzac\u021bia mai devreme de termenul stabilit.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Comisioane_Wise\">Comisioane Wise<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"1024\" height=\"546\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-fees-1024x546.png\" alt=\"wise fees\" class=\"wp-image-42937\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-fees-1024x546.png 1024w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-fees-300x160.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-fees-768x410.png 768w, https:\/\/financer.com\/app\/uploads\/sites\/14\/2023\/09\/wise-fees.png 1462w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Wise fees &#8211; captur\u0103 ecran<\/figcaption><\/figure>\n\n\n\n<p>Valoarea costurilor de transfer \u0219i a comisioanelor Wise variaz\u0103 \u00een func\u021bie de suma, valuta \u0219i metoda de plat\u0103 pe care le alegi. De obicei, costurile sunt formate din dou\u0103 componente:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>O parte fix\u0103<\/strong> &#8211; este o sum\u0103 fix\u0103 pe care o pl\u0103te\u0219ti pentru fiecare transfer, indiferent de suma trimis\u0103. De exemplu, pentru un transfer din RON \u00een EUR, taxa fix\u0103 este de 1.95 lei.<\/p>\n<\/li><li><p><strong>O parte variabil\u0103<\/strong> &#8211; este un procent din suma trimis\u0103 care variaz\u0103 \u00een func\u021bie de valut\u0103 \u0219i metoda de plat\u0103. De exemplu, pentru un transfer din RON \u00een EUR, taxa variabil\u0103 este de 0.5 % dac\u0103 pl\u0103te\u0219ti cu cardul bancar sau de 0.35 % dac\u0103 pl\u0103te\u0219ti prin transfer bancar.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Primirea de bani este gratuit\u0103 \u00een mai toate monedele majore, cu excep\u021bia USD &#8211; 4.14 USD \u0219i CAD &#8211; 10 CAD.<\/p>\n\n\n\n<p>Partea cea mai frumoas\u0103 c\u00e2nd vine vorba de costuri este c\u0103 acestea sunt de fiecare dat\u0103 la vedere. Astfel c\u0103, pentru a afla exact c\u00e2t te cost\u0103 un transfer cu Wise, po\u021bi face o simulare de transfer gratuit\u0103 <a rel=\"sponsored noopener nofollow\" href=\"https:\/\/financer.com\/ro\/companie\/wise\/redirect\/\" target=\"_blank\">direct pe site-ul sau aplica\u021bia lor<\/a>. <\/p>\n\n\n\n<p>Introdu suma \u0219i valuta pe care vrei s\u0103 le trimi\u021bi \u0219i vei vedea c\u00e2t prime\u0219te destinatarul, c\u00e2t pl\u0103te\u0219ti tu \u0219i c\u00e2t economise\u0219ti fa\u021b\u0103 de alte servicii.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Preri_Wise_din_partea_echipei_Financer\">P\u0103reri Wise din partea echipei Financer<\/h2>\n\n\n\n<p>Echipa Financer evalueaz\u0103 serviciile financiare pe baza unor criterii precum costuri, condi\u021bii, flexibilitate, serviciu clien\u021bi \u0219i reputa\u021bie. Ne bazeaz\u0103 evalu\u0103rile pe date obiective, recenziile clien\u021bilor, dar \u0219i pe experien\u021ba noastr\u0103 test\u00e2nd serviciile respective. <\/p>\n\n\n\n<p><em>Iat\u0103 care este punctul nostru de vedere \u00een ceea ce prive\u0219te Wise:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Costuri<\/strong><\/p>\n<p>Am constatat c\u0103 Wise chiar dac\u0103 nu are cele mai mici comisioane de pe pia\u021b\u0103, valoarea acestora este una competitiv\u0103.<\/p>\n<p>Transparen\u021ba costurilor este marele plus al aplica\u021biei. Nu te treze\u0219ti cu adaosuri sau taxe ascunse. C\u00e2t \u021bi se spune ini\u021bial c\u0103 ai de plat\u0103, at\u00e2ta achi\u021bi. <\/p>\n<p>\u00cen cazul transferurilor interna\u021bionale care presupun schimburi valutare, aplica\u021bia asigur\u0103 un curs situat la nivelul mediu al pie\u021bei, f\u0103r\u0103 mark-up, dar la care se adaug\u0103 un comision de 0.41 %. Oricum, rezult\u0103 un curs bun, printre cele mai bune de pe pia\u021b\u0103, except\u00e2nd <a href=\"https:\/\/financer.com\/ro\/companie\/revolut\/\" data-type=\"company_single\" data-id=\"18759\">Revolut<\/a>.<\/p>\n<p>Echipa noastr\u0103 a comparat Wise cu alte servicii de transfer de bani, cum ar fi Western Union sau PayPal (vezi tabelul de mai hos) \u0219i a concluzionat c\u0103 Wise este mult mai avantajos din punct de vedere al costurilor.<\/p>\n<\/li><li><p><strong>Condi\u021bii \u0219i flexibilitate<\/strong><\/p>\n<p>Wise are condi\u021bii simple \u0219i clare pentru transferurile de bani. <\/p>\n<p>Nu exist\u0103 limite minime sau maxime pentru sumele trimise (except\u00e2nd plata cu cardul, unde limita este de 2000 Eur sau echivalent \u00een alte monede) iar durata transferului depinde de valut\u0103 \u0219i \u021bar\u0103, \u00eens\u0103 \u00ee\u021bi este comunicat\u0103 din start, lucru care ne place. <\/p>\n<p>Aplica\u021bia permite clien\u021bilor s\u0103 trimit\u0103 \u0219i s\u0103 primeasc\u0103 bani \u00een 50 de valute \u0219i peste 70 de \u021b\u0103ri. Wise ofer\u0103 \u0219i posibilitatea de a bloca o cotatie valutar\u0103 pentru o perioad\u0103 ce poate ajunge la maxim 48 de ore, pentru a evita fluctua\u021biile cursului de schimb.<\/p>\n<\/li><li><p><strong>Serviciu clien\u021bi<\/strong><\/p>\n<p>Acesta credem noi c\u0103 este punctul minus al platformei. Din p\u0103cate, cu toate c\u0103, \u00een teorie, exist\u0103 o echip\u0103 mare de suport clien\u021bi care poate fi contactat\u0103 prin email, chat online sau chiar telefon \u00een limba rom\u00e2n\u0103, de multe ori ace\u0219tia sunt aglomera\u021bi iar spe\u021bele sunt rezolvate destul de lent.<\/p>\n<p>Este drept c\u0103 cei cu care am fost \u00een contact au fost foarte profesioni\u0219ti \u0219i eficien\u021bi, dar timpul de a\u0219teptare a fost mare.<\/p>\n<\/li><li><p><strong>Reputa\u021bie<\/strong><\/p>\n<p>Am luat \u00een considerare \u0219i recenziile clien\u021bilor care au folosit aplica\u021bia pentru transferurile de bani. Astfel, am g\u0103sit c\u0103 sunt peste 200.000 de p\u0103reri Wise pe site-uri precum Trustpilot sau Google Play, dintre care majoritatea sunt pozitive. <\/p>\n<p>Clien\u021bii au l\u0103udat platforma pentru viteza, siguran\u021ba \u0219i economia pe care o ofer\u0103. <\/p>\n<p>Sigur, au existat \u0219i c\u00e2teva recenzii negative ale unor persoane care s-au pl\u00e2ns de \u00eent\u00e2rzieri, erori sau anul\u0103ri ale transferurilor.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Astfel, \u00een baza tuturor aspectelor prezentate mai sus, am ales s\u0103 oferim o not\u0103 de 4 dintr-un maxim posibil de 5.<\/p>\n\n\n\n<p>Punctele forte sunt reprezentate de simplitatea \u00een utilizare, transparen\u021ba privind costurile \u0219i flexibilitatea serviciului, \u00een vreme ce p\u0103r\u021bile mai pu\u021bin bune sunt costurile ceva mai mari fa\u021b\u0103 de concuren\u021ba din momentul de fa\u021b\u0103 \u0219i serviciul de rela\u021bii clien\u021bi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Preri_Wise_Trustpilot\">P\u0103reri Wise Trustpilot<\/h3>\n\n\n\n<p>Dorim s\u0103 \u00eencheiem prin a-\u021bi oferi \u0219i p\u0103rerea altora cu privire la serviciile oferite de platform\u0103.<\/p>\n\n\n\n<p>Astfel, pe Trustpilot, cel mai renumit site de recenzii din lume, vedem c\u0103 Wise se bucur\u0103 de o not\u0103 de <a href=\"https:\/\/www.trustpilot.com\/review\/wise.com\">4.2 dintr-un maxim posibil de 5<\/a> din peste 195.000 voturi. O not\u0103 extraordinar de bun\u0103 \u0219i \u00een concordan\u021b\u0103 cu ceea ce am prezentat \u0219i noi pe site.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_frecvente_despre_Wise\">\u00centreb\u0103ri frecvente despre Wise<\/h3><h4>Ce este Wise?<\/h4><div class=\"faq_inner\"><p>Wise (fostul TransferWise) este un serviciu fintech ce ofer\u0103 servicii de conversie valutar\u0103, transferuri interna\u021bionale \u0219i conturi IBAN \u00een 10 monede pentru clien\u021bi persoane fizice \u0219i juridice \u00een Rom\u00e2nia \u0219i alte 70 \u021b\u0103ri.\u00a0<\/p><\/div><h4>Cum func\u021bioneaz\u0103 Wise?<\/h4><div class=\"faq_inner\"><p>Wise folose\u0219te o metod\u0103 inovatoare numit\u0103 \u201etransferuri peer-to-peer\u201d. Aceasta se traduce prin faptul c\u0103 aplica\u021bia nu trimite banii t\u0103i peste hotare, ci \u00eei transfer\u0103 \u00eentr-un cont separat deschis \u00een moneda pe care tu o trimi\u021bi, iar beneficiarul prime\u0219te banii dintr-un cont similar \u00een moneda de destina\u021bie.<\/p>\n<p>Astfel, Wise evit\u0103 taxele bancare interna\u021bionale \u0219i \u00ee\u021bi ofer\u0103 rate de schimb valutar foarte bune.<\/p><\/div><h4>C\u00e2t cost\u0103 Wise?<\/h4><div class=\"faq_inner\"><p>Costurile Wise depind de suma, valuta \u0219i metoda de plat\u0103 pe care le alegi. De obicei, costurile sunt formate din dou\u0103 componente: o parte fix\u0103 \u0219i o parte variabil\u0103.<\/p>\n<p>Partea fix\u0103 este achitat\u0103 pentru fiecare transfer, indiferent de suma trimis\u0103. Cea variabil\u0103 este un procent din suma trimis\u0103 care difer\u0103 \u00een func\u021bie de valut\u0103 \u0219i metoda de plat\u0103.<\/p>\n<p>Po\u021bi verifica costurile Wise direct pe site-ul sau aplica\u021bia lor, folosind <a href=\"https:\/\/financer.com\/ro\/companie\/wise\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">link-ul acesta<\/a>.<\/p><\/div><h4>C\u00e2t dureaz\u0103 un transfer Wise?<\/h4><div class=\"faq_inner\"><p>Durata unui transfer Wise depinde de valut\u0103, \u021bar\u0103 \u0219i metoda de plat\u0103.<\/p>\n<p>De exemplu, un transfer din RON \u00een EUR dureaz\u0103 \u00eentre 1-2 zile lucr\u0103toare. Un transfer din USD \u00een GBP dureaz\u0103 \u00eentre 1-4 ore. Po\u021bi verifica durata estimat\u0103 a transferului pe site-ul sau aplica\u021bia Wise, \u00eenainte de a ini\u021bia o tranzac\u021bie.<\/p><\/div><h4>Cum pot pl\u0103ti pentru un transfer cu Wise? <\/h4><div class=\"faq_inner\"><p>Po\u021bi pl\u0103ti pentru un transfer cu Wise folosind una dintre urm\u0103toarele metode:<\/p>\n<ul>\n<li>card bancar (debit sau credit) &#8211; cea mai simpl\u0103 dar \u0219i cea mai scump\u0103 op\u021biune<\/li>\n<li>transfer bancar dintr-un cont deschis la o alt\u0103 banc\u0103<\/li>\n<li>debit direct &#8211; din sumele de\u021binute \u00een contul Wise, care este cea mai ieftin\u0103 variant\u0103<\/li>\n<\/ul><\/div><h4>Este sigur s\u0103 folosesc Wise?<\/h4><div class=\"faq_inner\"><p>Da, este sigur s\u0103 folose\u0219ti Wise. Wise este reglementat\u0103 de autorit\u0103\u021bile financiare din fiecare \u021bar\u0103 \u00een care opereaz\u0103.<\/p>\n<p>Banii t\u0103i sunt proteja\u021bi prin standarde stricte de securitate \u0219i prevenire a fraudelor.\u00a0<\/p><\/div><h4>Cum depui bani pe Wise? <\/h4><div class=\"faq_inner\"><p>Din p\u0103cate, Wise nu are ATM-uri proprii \u0219i nici nu lucreaz\u0103 cu alte b\u0103nci care de\u021bin astfel de dispozitive, astfel c\u0103 singura variant\u0103 de a depune bani pe Wise este reprezentat\u0103 de transferul bancar dintr-un cont deja existent \u00een cel al aplica\u021biei.<\/p><\/div><h4>C\u00e2t cost\u0103 s\u0103 \u00ee\u021bi comanzi un Wise card Rom\u00e2nia?<\/h4><div class=\"faq_inner\"><p>Costul pentru a prini un Wise card Rom\u00e2nia este de 43 lei, pl\u0103ti\u021bi o singur\u0103 dat\u0103.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Wise_alternative\">Wise alternative<\/h2>\n\n\n\n<p>Wise este unul dintre cele mai bune servicii de transfer bancar de la noi din \u021bar\u0103. \u00cens\u0103 exist\u0103 mai multe alternative, pentru clien\u021bii din Rom\u00e2nia. <\/p>\n\n\n\n<p>Iat\u0103 cum se compar\u0103 acestea cu Wise:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Serviciu<\/th><th>Wise<\/th><th>Monese<\/th><th>Revolut<\/th><th>PayPal<\/th><th>Western Union<\/th><\/tr><\/thead><tbody><tr><td>Cont IBAN \u00een lei<\/td><td>\u2705<\/td><td>\u2705<\/td><td>\u2705<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Cost creare cont<\/td><td>0 lei<\/td><td>0 lei (<strong>cont Starter<\/strong>)<\/td><td>0 lei (<strong>cont Standard<\/strong>)<\/td><td>0 lei<\/td><td>0 lei<\/td><\/tr><tr><td>Comisioane <\/td><td>0.35 % &#8211; 1.5 %<\/td><td>0.5 &#8211; 2 %<\/td><td>1.5 lei &#8211; 25 lei<\/td><td>2.99 %<\/td><td>0.65 &#8211; 3.76 %<\/td><\/tr><tr><td>Taxe transfer interna\u021bional<\/td><td>Dac\u0103 trimi\u021bi:<br>* 1000 RON \u00een USD &#8211; 19.97 lei;<br>* 1000 RON \u00een EUR &#8211; 9.99 lei;<br>* 1000 RON \u00een GBP &#8211; 9.99 lei<br>La acestea se adaug\u0103 comisionul de conversie valutar\u0103 de 0.41 %.<\/td><td>Dac\u0103 trimi\u021bi:<br>* 1000 lei \u00een USD &#8211; 2 % (minim 2 EUR);<br>* 1000 lei \u00een EUR &#8211; 0.5 % <br>* 1000 lei \u00een GBP &#8211; 0.5 %.<br>La acestea se adaug\u0103 comisionul de conversie valutar\u0103 de 2.5 %.<\/td><td>Dac\u0103 trimi\u021bi:<br>* 1000 lei \u00een USD &#8211; 2 % (minim 2 EUR);<br>* 1000 lei \u00een EUR &#8211; 0.5 % <br>* 1000 lei \u00een GBP &#8211; 0.5 %.<br>La acestea se adaug\u0103 comisionul de conversie valutar\u0103 de 0.5 %.<\/td><td>Dac\u0103 trimi\u021bi:<br>* 1000 lei \u00een USD &#8211; 7.47 USD; <br>* 1000 lei \u00een EUR &#8211; 7.15 EUR;<br>* 1000 lei \u00een GBP &#8211; 6.10 GBP. La acestea se adaug\u0103 comisionul pentru conversia valutar\u0103 de 3.5 % &#8211; 4 % + o tax\u0103 de conversie de 4.5 %.<\/td><td>Dac\u0103 trimi\u021bi:<br>* 1000 lei \u00een USD &#8211; 9.5 Eur;<br>* 1000 lei \u00een EUR &#8211; 9.5 Eur;<br>* 1000 lei \u00een GBP &#8211; 9.5 Eur. La acestea se adaug\u0103 comisionul pentru conversia valutar\u0103 de p\u00e2n\u0103 la 6 % + o tax\u0103 de procesare de 0.65 % &#8211; 3.76 %<\/td><\/tr><tr><td>Limit\u0103 retragere gratuit\u0103 de la ATM<\/td><td>1000 lei\/ lun\u0103 + 2.5 lei per extragere<\/td><td>1000 lei\/ lun\u0103 + 5 lei per extragere<\/td><td>800 lei\/ lun\u0103<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Tax\u0103 retragere ATM dup\u0103 dep\u0103\u0219irea limitei<\/td><td>2 %<\/td><td>2 %<\/td><td>2 %<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Cost administrare cont pentru conturi de baz\u0103<\/td><td>0 lei<\/td><td>0 lei<\/td><td>0 lei<\/td><td>0 lei<\/td><td>0 lei<\/td><\/tr><tr><td>Produse disponibile<\/td><td>Transferuri interna\u021bionale, card de debit, conturi \u00een valute multiple<\/td><td>Transferuri de bani, card de debit, conturi \u00een valute multiple, asigur\u0103ri<\/td><td>Transferuri de bani, card de debit, conturi \u00een valute multiple, asigur\u0103ri, investi\u021bii, credit<\/td><td>Transferuri de bani, pl\u0103\u021bi online, carduri de debit \u0219i de credit<\/td><td>Transferuri de bani, pl\u0103\u021bi online, carduri prepl\u0103tite<\/td><\/tr><tr><td>Varitate de produse<\/td><td>Ridicat\u0103, po\u021bi accesa peste 50 de valute din peste 70 de \u021b\u0103ri<\/td><td>Mic\u0103, po\u021bi accesa doar 3 valute (RON, EUR \u0219i GBP) \u0219i doar din \u021b\u0103rile din SEE + Marea Britanie<\/td><td>Medie, po\u021bi accesa 30+ valute din 35 de \u021b\u0103ri<\/td><td>Medie, po\u021bi accesa 22 de valute din peste 200 de \u021b\u0103ri<\/td><td>Foarte mare, po\u021bi accesa peste 130 de valute din peste 200 de \u021b\u0103ri<\/td><\/tr><tr><td>Curs valutar \u0219i limit\u0103ri pentru conturi de baz\u0103<\/td><td>Cursul mediu al pie\u021bei la care se adaug\u0103 comisionul de conversie valutar\u0103 de 0.41 %<\/td><td>Curs interbancar<\/td><td>Curs interbancar<\/td><td>3 % fa\u021b\u0103 de cursul valutar de baz\u0103<\/td><td>Mark-up \u00eentre 0.4 % \u0219i 7 % fa\u021b\u0103 de cursul zilei<\/td><\/tr><tr><td>Num\u0103r de clien\u021bi la nivel mondial<\/td><td>16 milioane<\/td><td>2 milioane<\/td><td>30 milioane<\/td><td>435 milioane<\/td><td>130 milioane<\/td><\/tr><tr><td>Recenzie Financer.com<\/td><td>Da, aceasta<\/td><td><a href=\"https:\/\/financer.com\/ro\/companie\/monese-review\/\" data-type=\"company_single\" data-id=\"12785\">Da<\/a><\/td><td><a href=\"https:\/\/financer.com\/ro\/companie\/revolut\/\" data-type=\"company_single\" data-id=\"18759\">Da<\/a><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"author":77,"featured_media":42942,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","company_type":[1118],"overall_rating":"3.00000000","_links":{"self":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/company_single\/42924"}],"collection":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/comments?post=42924"}],"version-history":[{"count":13,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/company_single\/42924\/revisions"}],"predecessor-version":[{"id":42978,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/company_single\/42924\/revisions\/42978"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/media\/42942"}],"wp:attachment":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/media?parent=42924"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/company_type?post=42924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}