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Legea Nr.39 din 30.01.2019

pentru aprobarea listei celor mai reprezentative servicii aferente unui cont de plăţi
ACT EMIS DE: Parlamentul Romaniei
ACT PUBLICAT ÎN MONITORUL OFICIAL NR. 93 din 06 februarie 2019



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În scopul asigurării aplicării în România a prevederilor Regulamentului delegat (UE) 2018/32 al Comisiei din 28 septembrie 2017 de completare a Directivei 2014/92/UE a Parlamentului European şi a Consiliului în ceea ce priveşte standardele tehnice de reglementare referitoare la terminologia standardizată a Uniunii aplicabilă celor mai reprezentative servicii legate de un cont de plăţi,în temeiul art. 108 din Constituţia României, republicată, şi al art. 5 alin. (3) şi (4) din Legea nr. 258/2017 privind comparabilitatea comisioanelor aferente conturilor de plăţi, schimbarea conturilor de plăţi şi accesul la conturile de plăţi cu servicii de bază,Guvernul României adoptă prezenta hotărâre.ARTICOL UNIC Se aprobă Lista celor mai reprezentative servicii aferente unui cont de plăţi, prevăzută în anexa care face parte integrantă din prezenta hotărâre. PRIM-MINISTRU VASILICA-VIORICA DĂNCILĂ Contrasemnează: Ministrul economiei, Niculae Bădălău Preşedintele Autorităţii Naţionale pentru Protecţia Consumatorilor, Marius Pîrvu Ministrul afacerilor externe, Teodor-Viorel Meleşcanu Ministrul delegat pentru afaceri europene, George Ciamba ANEXĂLista celor mai reprezentative servicii aferente unui cont de plăţi

Termen Definiţie
1. Administrarea contului Furnizorul contului administrează contul în scopul utilizării de către client.
2. Furnizarea unui card de debit Furnizorul contului furnizează un card de plată asociat contului clientului. Suma fiecărei tranzacţii efectuate prin card este luată total sau parţial din contul clientului.
3. Furnizarea unui card de credit Furnizorul contului furnizează un card de plată conectat la contul de plăţi al clientului. Suma totală a tranzacţiilor efectuate prin card într-o perioadă convenită este luată total sau parţial din contul de plăţi al clientului la o dată convenită. Un contract de credit între furnizor şi client stabileşte dacă clientul trebuie să plătească dobândă pentru împrumut.
4. Descoperitul de cont Furnizorul contului şi clientul convin în prealabil că clientul poate împrumuta bani atunci când nu mai există bani pe cont. Acordul stabileşte suma maximă care poate fi împrumutată şi dacă există taxe şi dobânzi care trebuie achitate de client.
5. Transfer credit Furnizorul contului transferă bani, în baza unei instrucţiuni date de client, din contul clientului în alt cont.
6. Ordine de plată programată Furnizorul contului efectuează transferuri regulate, în baza unei instrucţiuni date de client, a unei sume fixe de bani din contul clientului în alt cont.

Termen Definiţie
7. Debitare directă Clientul autorizează o altă persoană (destinatarul) să dea o instrucţiune furnizorului contului să transfere bani din contul clientului către acel destinatar. Furnizorul contului transferă apoi destinatarului banii la o dată sau la date convenite de client şi de destinatar. Suma respectivă poate varia.
8. Retrageri de numerar Clientul retrage numerar din contul clientului.
9. Depuneri de numerar Depunere numerar în contul clientului
10. Încasare sume din contul deschis la alt prestator de servicii Furnizorul contului încasează bani pentru un client al băncii dintr-un cont deschis la alt prestator de servicii de plată, în baza instrucţiunilor acestuia din urmă.
11. Internet banking Furnizorul oferă un serviciu cu ajutorul căruia se accesează informaţii despre cont, se vizualizează extrasul de cont, se iniţiază transferuri, se setează mandate de debitare directă etc. prin intermediul internetului.
12. Mobile banking Furnizorul oferă un serviciu, prin intermediul telefonului personal, cu ajutorul căruia se accesează informaţii despre cont, se vizualizează extrasul de cont, se iniţiază transferuri, se setează mandate de debitare directă etc.
13. Înlocuire dispozitiv token Oferirea de către furnizor a unui alt dispozitiv token în cazul pierderii/distrugerii/furtului dispozitivului token iniţial



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ANONIM a comentat Hotărârea 47 2017
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ANONIM a comentat Hotărârea 2 2018
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ANONIM a comentat Decretul 25 1949
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ANONIM a comentat Decretul 510 2017
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ANONIM a comentat Decretul 737 2018
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ANONIM a comentat Decretul 737 2018
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ANONIM a comentat Hotărârea 30 2018
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ANONIM a comentat Hotărârea 30 2018
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ANONIM a comentat Legea 174 2016
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