{"id":743976,"date":"2023-10-19T17:06:47","date_gmt":"2023-10-19T14:06:47","guid":{"rendered":"https:\/\/www.etoro.com\/investing\/interest-on-balance\/"},"modified":"2026-03-19T17:34:17","modified_gmt":"2026-03-19T15:34:17","slug":"interest-on-balance","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/ro\/investing\/interest-on-balance\/","title":{"rendered":"Interest on Balance"},"content":{"rendered":"\n
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ACAS\u0102<\/a><\/span><\/span><\/p>\n

C\u00e2\u0219tig\u0103 o dob\u00e2nd\u0103anual\u0103 de p\u00e2n\u0103 la 3,55%<\/strong><\/h1>\n\n\n\n

Ob\u021bine mai mult din banii t\u0103i, cu dob\u00e2nda de la eToro pentru soldul de numerar \u00een USD<\/p>\n\n\n\n

\nSunt nou pe eToro<\/a>\n\n\n\nAm un cont<\/a>\n<\/div>\n\n\n\n

Te rug\u0103m s\u0103 consul\u021bi Termenii \u0219i condi\u021biile noastre<\/a><\/p>\n<\/div>\n\n\n\n

\n\"\"\"\"\"\"\"\"\n<\/div>\n<\/div>\n\n\n\n
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Cum s\u0103 \u00eencepi s\u0103<\/strong> c\u00e2\u0219tigi dob\u00e2nd\u0103<\/b><\/h2>\n\n\n\n
\n
\n\"\u00censcrie-te
\u00censcrie-te<\/u> \u0219i verific\u0103-\u021bi contul<\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n\n\n\n

\"Face
Face o depunere<\/div>
\n

<\/p>\n<\/div><\/div><\/div>\n\n\n\n\"Activeaz\u0103

Activeaz\u0103 \u201eDob\u00e2nd\u0103 la soldul de numerar \u00een USD\u201d \u00een panoul de control din Club<\/u><\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n<\/div>\n<\/div>\n\n\n\n
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\n
\"\"<\/figure>\n\n\n\n

\u00censcrie-te<\/a> \u0219i verific\u0103-\u021bi contul
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Face o depunere
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Activeaz\u0103 \u201eDob\u00e2nd\u0103 la soldul de numerar \u00een USD\u201d \u00een panoul de control din Club<\/a>
  <\/h3>\n\n\n\n
\"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n
\n

Cum s\u0103 \u00eencepi s\u0103<\/strong> c\u00e2\u0219tigi dob\u00e2nd\u0103<\/b><\/h2>\n\n\n\n
\n
\n\"Conecteaz\u0103-te
Conecteaz\u0103-te<\/u> \u00een contul t\u0103u eToro<\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n\n\n\n\"Acceseaz\u0103

Acceseaz\u0103 Panoul de control pentru Club<\/u><\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n\n\n\n

\"Activeaz\u0103
Activeaz\u0103 comutatorul \u201eDob\u00e2nd\u0103 la sold\u201d<\/div>
\n

<\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n<\/div>\n<\/div>\n\n\n\n
\n
\n
\"\"<\/figure>\n\n\n\n

Conecteaz\u0103-te<\/a> \u00een contul t\u0103u eToro
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Acceseaz\u0103 Panoul de control pentru Club<\/a>
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Activeaz\u0103 comutatorul \u201eDob\u00e2nd\u0103 la sold\u201d
  <\/h3>\n\n\n\n
\"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n
\n
\n
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Banii t\u0103i ar putea face<\/strong> mai mult?<\/b><\/h2>\n\n\n\n

Activeaz\u0103 dob\u00e2nda eToro la soldul de numerar USD \u0219i \u00eencepe s\u0103 prime\u0219ti dob\u00e2nda direct \u00een contul t\u0103u.
 <\/p>\n\n\n\n

\n
\"Pre\u021buri
Pre\u021buri excelente<\/div>
\n

C\u00e2\u0219tig\u0103 mai mult din fondurile tale neinvestite, cu rate ale dob\u00e2nzilor foarte competitive<\/p>\n<\/div><\/div><\/div>\n\n\n\n

\"Pl\u0103\u021bi
Pl\u0103\u021bi lunare<\/div>
\n

Dob\u00e2nda c\u00e2\u0219tigat\u0103 este pl\u0103tit\u0103 automat \u00een soldul t\u0103u eToro \u00een fiecare lun\u0103<\/p>\n<\/div><\/div><\/div>\n\n\n\n

\"F\u0103r\u0103
F\u0103r\u0103 blocare<\/div>
\n

Fondurile tale r\u0103m\u00e2n complet accesibile pentru a le retrage oric\u00e2nd dore\u0219ti<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n

\n
\n
\n

ratele dob\u00e2nzilor<\/b> ale eToro<\/strong><\/h2>\n\n\n\n

Activeaz\u0103 dob\u00e2nda eToro la soldul de numerar USD \u0219i \u00eencepe s\u0103 prime\u0219ti dob\u00e2nda direct \u00een contul t\u0103u.<\/p>\n\n\n\n

Ratele dob\u00e2nzilor pentru reziden\u021bii eligibili ai Uniunii Europene, Marea Britanie, Jersey, Gibraltar, Guernsey \u0219i Insula Man:<\/p>\n\n\n\n

<\/div><\/div>
<\/div><\/div>
Sold total necesar<\/th>$1-$50.000<\/td>$50.000+<\/td><\/tr>
Rata anual\u0103 a dob\u00e2nzii<\/th>2,75%<\/td>3,55%<\/td><\/tr>
Rata anual\u0103 a dob\u00e2nzii pentru Germania*<\/th>3,55%<\/td>3,55%<\/td><\/tr><\/tbody><\/table><\/div><\/div>
*Tarifele se aplic\u0103 numai clien\u021bilor eToro al c\u0103ror cont este \u00eenregistrat \u00een Germania.<\/figcaption><\/figure>\n\n\n\n

Ratele dob\u00e2nzilor pentru utilizatorii eligibili din toate celelalte regiuni:<\/p>\n\n\n\n

<\/div><\/div>
<\/div><\/div>
Sold total necesar<\/th>$10,000<\/td>$25,000<\/td>$50,000<\/td>$250,000<\/td><\/tr>
Rata anual\u0103 a dob\u00e2nzii<\/th>0,5%<\/td>2,25%<\/td>3,25%<\/td>3,55%<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/figure>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n
\n
\n
\n

\u00cencepe s\u0103 c\u00e2\u0219tigi<\/strong> dob\u00e2nda anual\u0103<\/b><\/h2>\n\n\n\n
\n\u00cencepe<\/a>\n<\/div>\n\n\n\n

Te rug\u0103m s\u0103 consul\u021bi Termenii \u0219i condi\u021biile noastre<\/a><\/p>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n

\n
\n
\n

FAQ<\/h2>\n\n\n\n
\n
Ce este soldul total necesar?<\/dt>
\n

Soldul total necesar este cel care determin\u0103 rata dob\u00e2nzii pe care o vei primi. Este capitalul total realizat \u00een contul t\u0103u, inclusiv fondurile investite \u0219i soldul de numerar disponibil.<\/p>\n\n\n\n

Re\u021bine c\u0103 rata <\/strong>pe care o vei primi este determinat\u0103 de soldul total necesar.<\/strong> Aceast\u0103 rat\u0103 se aplic\u0103 doar soldului de numerar disponibil \u00een USD<\/strong>.<\/p>\n<\/dd><\/div>\n\n\n\n

Care este soldul de numerar disponibil \u00een USD?<\/dt>
\n

Soldul de numerar disponibil \u00een USD const\u0103 din fondurile neinvestite, aflate \u00een prezent \u00een contul de tranzac\u021bionare al unui client \u0219i reprezint\u0103 suma care prime\u0219te o plat\u0103 a dob\u00e2nzii.<\/p>\n\n\n\n

Dob\u00e2nda compus\u0103 se pl\u0103te\u0219te, adic\u0103 clien\u021bii c\u00e2\u0219tig\u0103 dob\u00e2nd\u0103 la fonduri din orice pl\u0103\u021bi anterioare de dob\u00e2nd\u0103 care r\u0103m\u00e2n \u00een soldul lor.<\/p>\n<\/dd><\/div>\n\n\n\n

Cum m\u0103 calific?<\/dt>
\n

Vei avea dreptul la dob\u00e2nd\u0103 \u00een conformitate cu nivel Clubului din care faci parte, conform soldului de numerar disponibil, calculat zilnic \u0219i pl\u0103tit lunar.<\/p>\n<\/dd><\/div>\n\n\n\n

Cum activez dob\u00e2nda pentru soldul de numerar USD \u00een contul meu eToro?<\/dt>
\n

1. Conecteaz\u0103-te<\/a> la contul t\u0103u eToro. (Nu ai \u00eenc\u0103 un cont? \u00cenregistreaz\u0103-te aici<\/a>.) <\/p>\n\n\n\n

2. Asigur\u0103-te c\u0103 ai soldul total necesar \u00een contul t\u0103u. <\/p>\n\n\n\n

3. Acceseaz\u0103 tabloul de bord al eToro Club<\/a>. Deruleaz\u0103 \u00een jos la \u201eDob\u00e2nd\u0103 la sold\u201d, apoi modific\u0103 de la \u201eDezactivat\u201d la \u201eActiv\u201d.<\/p>\n<\/dd><\/div>\n\n\n\n

Cum \u0219i c\u00e2nd se calculeaz\u0103 dob\u00e2nda?<\/dt>
\n

De\u0219i rata dob\u00e2nzii este anual\u0103, ea se calculeaz\u0103 zilnic \u0219i se pl\u0103te\u0219te lunar. \u00cen fiecare zi, este calculat soldul dob\u00e2nzii de c\u00e2\u0219tig. Aceast\u0103 sum\u0103 este \u00eenmul\u021bit\u0103 cu rata dob\u00e2nzii zilnice, (care este rata anual\u0103 \u00eemp\u0103r\u021bit\u0103 la 365). La sf\u00e2r\u0219itul fiec\u0103rei luni, suma cumulat\u0103 a dob\u00e2nzii este totalizat\u0103 \u0219i apoi pl\u0103tit\u0103 automat cel t\u00e2rziu \u00een a 5-a zi lucr\u0103toare a lunii urm\u0103toare.<\/p>\n<\/dd><\/div>\n\n\n\n

C\u00e2nd se adaug\u0103 dob\u00e2nda \u00een contul meu?<\/dt>
\n

Plata acesteia se va realiza \u00een mod automat, av\u00e2nd loc cel t\u00e2rziu \u00een cea de-a 5-a zi lucr\u0103toare a lunii urm\u0103toare, diminea\u021ba devreme, pe fusul orar GMT.<\/p>\n<\/dd><\/div>\n\n\n\n

Care este suma minim\u0103 de plat\u0103?<\/dt>
\n

Suma minim\u0103 de dob\u00e2nd\u0103 de c\u00e2\u0219tigat pentru plat\u0103 este de $0,01.<\/p>\n<\/dd><\/div>\n\n\n\n

Dac\u0103 activez dob\u00e2nda pentru soldul de numerar \u00een USD undeva la mijlocul lunii, voi c\u00e2\u0219tiga dob\u00e2nd\u0103 pentru \u00eentreaga acea lun\u0103?<\/dt>
\n

Nu. Dob\u00e2nda se c\u00e2\u0219tig\u0103 din ziua \u00een care utilizatorul se \u00eenscrie efectiv, cu condi\u021bia ca acesta s\u0103 fie \u00een continuare eligibil \u0219i s\u0103 aib\u0103 soldul total necesar pentru a c\u00e2\u0219tiga plata dob\u00e2nzii.<\/p>\n<\/dd><\/div>\n\n\n\n

Va trebui s\u0103 pl\u0103tesc impozit pe dob\u00e2nda primit\u0103?<\/dt>
\n

Taxele datorate vor depinde de reglement\u0103rile din \u021bara ta de re\u0219edin\u021b\u0103. E\u0219ti responsabil pentru toate taxele aplicabile legate de acceptarea pl\u0103\u021bilor de dob\u00e2nd\u0103 de la eToro. \u00cen unele jurisdic\u021bii, eToro va fi obligat s\u0103 re\u021bin\u0103 taxele pl\u0103tibile \u00een numele t\u0103u \u0219i s\u0103 le remit\u0103 direct autorit\u0103\u021bii fiscale relevante.<\/p>\n<\/dd><\/div>\n\n\n\n

Trebuie s\u0103 pl\u0103tesc taxe?<\/dt>
\n

Nu se aplic\u0103 taxe suplimentare \u00een leg\u0103tur\u0103 cu pl\u0103\u021bile de dob\u00e2nd\u0103.<\/p>\n<\/dd><\/div>\n\n\n\n

Sunt fondurile mele protejate?<\/dt>
\n

\u00cen calitate de companie reglementat\u0103, suntem obliga\u021bi s\u0103-\u021bi protej\u0103m fondurile \u00een conformitate cu regulile specifice privind banii clien\u021bilor. eToro (Europe) Ltd este membru al Fondului de Compensare a Investitorilor (ICF<\/a>), care compenseaz\u0103 investitorii doar p\u00e2n\u0103 la dou\u0103zeci de mii EUR. \u00cen plus, \u00een anumite cazuri, fondurile tale depuse \u00een b\u0103ncile europene eligibile sunt sus\u021binute de Schema Depozite Garantate (DGS<\/a>). SGD are o limit\u0103 maxim\u0103 de plat\u0103 de p\u00e2n\u0103 la 100.000 EUR \/ 85.000 GBP per deponent, per banc\u0103.<\/p>\n\n\n\n

eToro (UK) Ltd este acoperit\u0103 de Schema de compensare a serviciilor financiare (FSCS). Protec\u021bia investi\u021biilor FSCS se poate aplica p\u00e2n\u0103 la 85.000 GBP per client eligibil (per firm\u0103) \u00een cazul \u00een care eToro (UK) Ltd este declarat\u0103 \u00een incapacitate de plat\u0103 \u0219i exist\u0103 un deficit \u00een activele de custodie \u0219i\/sau banii clien\u021bilor.<\/p>\n\n\n\n

Atunci c\u00e2nd numerarul clientului este de\u021binut la b\u0103nci ter\u021be, protec\u021bia depozitelor se poate aplica p\u00e2n\u0103 la 120.000 GBP per client eligibil, per firm\u0103 autorizat\u0103 (\u00een func\u021bie de eligibilitate \u0219i de aranjamentele relevante privind banii clientului\/CASS). Protec\u021bia depozitelor nu se aplic\u0103 numerarului de\u021binut \u00een fondurile de pia\u021b\u0103 monetar\u0103 eligibile (QMMF), deoarece acestea sunt mai degrab\u0103 investi\u021bii dec\u00e2t depozite bancare.<\/p>\n<\/dd><\/div>\n\n\n\n

Alte informa\u021bii importante<\/dt>
\n

eToro \u00ee\u0219i rezerv\u0103 dreptul de a refuza intrarea clien\u021bilor \u00een programul Dob\u00e2nd\u0103 la sold \u0219i\/sau \u00eendep\u0103rtarea oric\u0103rui client de la participarea la program, \u00een cazul \u00een care se constat\u0103 c\u0103 acesta \u00eencalc\u0103 politicile, regulile \u0219i\/sau reglement\u0103rile aplicabile. Programul poate fi re\u00eennoit la o dob\u00e2nd\u0103 mai mic\u0103.<\/p>\n\n\n\n

eToro re\u021bine o parte variabil\u0103 din dob\u00e2nda pe care o c\u00e2\u0219tig\u0103 pentru numerarul eligibil neinvestit (adic\u0103 diferen\u021ba dintre dob\u00e2nda primit\u0103 \u0219i orice dob\u00e2nd\u0103 pl\u0103tit\u0103) pentru a acoperi costurile de gestionare a numerarului, costurile opera\u021bionale \u0219i de platform\u0103 asociate cu acest serviciu.<\/p>\n<\/dd><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

Cum s\u0103 \u00eencepi s\u0103 c\u00e2\u0219tigi dob\u00e2nd\u0103 \u00censcrie-te \u0219i verific\u0103-\u021bi contul   Face o depunere   Activeaz\u0103 \u201eDob\u00e2nd\u0103 la soldul de numerar \u00een USD\u201d \u00een panoul de control din Club   Cum s\u0103 \u00eencepi s\u0103 c\u00e2\u0219tigi dob\u00e2nd\u0103 Conecteaz\u0103-te \u00een contul t\u0103u eToro   Acceseaz\u0103 Panoul de control pentru Club   Activeaz\u0103 comutatorul \u201eDob\u00e2nd\u0103 la sold\u201d   Banii t\u0103i ar putea face mai…<\/p>\n","protected":false},"author":119,"featured_media":1137934,"parent":31829,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"sticky_cta_settings":"","footnotes":""},"asset_type":[],"class_list":["post-743976","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"eToro | C\u00e2\u0219tig\u0103 o dob\u00e2nd\u0103 de p\u00e2n\u0103 la 3,55% \u00een soldul t\u0103u<\/title>\n<meta name=\"description\" content=\"C\u00e2\u0219tig\u0103 p\u00e2n\u0103 la 3,55% dob\u00e2nd\u0103 anual\u0103 la fondurile tale neinvestite. Pre\u021buri competitive, pl\u0103\u021bi lunare \u0219i f\u0103r\u0103 blocare. Activeaz\u0103 pe eToro acum\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etoro.com\/ro\/wp-json\/wp\/v2\/pages\/743976\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"eToro | C\u00e2\u0219tig\u0103 o dob\u00e2nd\u0103 de p\u00e2n\u0103 la 3,55% \u00een soldul t\u0103u\" \/>\n<meta property=\"og:description\" content=\"C\u00e2\u0219tig\u0103 p\u00e2n\u0103 la 3,55% dob\u00e2nd\u0103 anual\u0103 la fondurile tale neinvestite. Pre\u021buri competitive, pl\u0103\u021bi lunare \u0219i f\u0103r\u0103 blocare. 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