{"id":19524,"date":"2023-06-08T08:22:54","date_gmt":"2023-06-08T06:22:54","guid":{"rendered":"https:\/\/startco.ro\/blog\/?p=19524"},"modified":"2026-01-09T09:58:33","modified_gmt":"2026-01-09T07:58:33","slug":"am-nevoie-de-cont-bancar-pe-pfa","status":"publish","type":"post","link":"https:\/\/startco.ro\/blog\/am-nevoie-de-cont-bancar-pe-pfa\/","title":{"rendered":"Cont bancar PFA: care e diferen\u021ba fa\u021b\u0103 de un cont personal \u0219i de ce \u00ee\u021bi trebuie"},"content":{"rendered":"\n<p>Dac\u0103 e\u0219ti freelancer sau desf\u0103\u0219ori o profesie liberal\u0103, unul dintre primele lucruri pe care trebuie s\u0103 le \u0219tii este dac\u0103 ai sau nu nevoie de un cont bancar pe PFA. Vezi mai jos ce spune legea, ce plafoane de numerar sunt \u00een vigoare, cum te afecteaz\u0103 e-Factura, plus pa\u0219ii practici ca s\u0103 deschizi un cont f\u0103r\u0103 b\u0103t\u0103i de cap \u0219i cum alegi banca potrivit\u0103 pentru afacerea ta.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Cuprins<\/h2><ul><li><a href=\"#h-cont-personal-sau-cont-bancar-pentru-pfa\" data-level=\"2\">Cont personal sau cont bancar pentru PFA?<\/a><\/li><li><a href=\"#h-de-ce-e-bine-sa-ai-un-cont-bancar-separat-pentru-pfa-ul-tau\" data-level=\"2\">De ce e bine s\u0103 ai un cont bancar separat pentru PFA-ul t\u0103u?<\/a><\/li><li><a href=\"#h-cum-alegi-banca-la-care-sa-i\u021bi-deschizi-contul-bancar-pfa\" data-level=\"2\">Cum alegi banca la care s\u0103 \u00ee\u021bi deschizi contul bancar PFA?<\/a><\/li><li><a href=\"#h-acte-necesare-pentru-deschiderea-contului-bancar-pfa\" data-level=\"2\">Acte necesare pentru deschiderea contului bancar PFA<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cont-personal-sau-cont-bancar-pentru-pfa\">Cont personal sau cont bancar pentru PFA?<\/h2>\n\n\n\n<p>Fie c\u0103 ai un <a href=\"https:\/\/startco.ro\/blog\/diferentele-intre-pfa-ii-si-if\/\" target=\"_blank\" rel=\"noreferrer noopener\">PFA, II, IF<\/a> sau PFI trebuie s\u0103 \u0219tii c\u0103 nu exist\u0103 o prevedere legal\u0103 care s\u0103 te oblige s\u0103 ai un cont bancar separat pentru activitatea desf\u0103\u0219urat\u0103 independent. De ce? Pentru c\u0103 patrimoniul PFA (sau II, PFI, IF) coincide cu patrimoniul persoanei fizice (titular), astfel c\u0103 tu, ca persoan\u0103 fizic\u0103 titular\u0103, r\u0103spunzi solidar cu PFA-ul (sau II, PFI, IF). <\/p>\n\n\n\n<p>Prin urmare, po\u021bi s\u0103 dispui liber de banii ob\u021binu\u021bi din activitatea desf\u0103\u0219urat\u0103, spre deosebire de SRL unde po\u021bi s\u0103 folose\u0219ti banii doar ca urmare a <a href=\"https:\/\/startco.ro\/blog\/tot-ce-trebuie-sa-stii-despre-dividende\/\" target=\"_blank\" rel=\"noreferrer noopener\">repartiz\u0103rii dividendelor<\/a>. Astfel, c\u00e2nd vine vorba de cont pe CNP sau pe CUI:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CNP (cont personal)<\/strong>: unele b\u0103nci <strong>nu permit<\/strong> folosirea pentru <strong>activit\u0103\u021bi economice<\/strong>; pot bloca tranzac\u021bii\/solicita justific\u0103ri.<\/li>\n\n\n\n<li><strong>CUI (cont de business\/PFA)<\/strong>:\n<ul class=\"wp-block-list\">\n<li>extras <strong>distinct<\/strong> \u2192 contabilitate mai clar\u0103<\/li>\n\n\n\n<li><strong>mai pu\u021bine discu\u021bii<\/strong> la conformare (clien\u021bi\/ANAF\/banc\u0103)<\/li>\n\n\n\n<li>acces la <strong>servicii dedicate<\/strong> (POS\/acceptare card, link de plat\u0103, subconturi, integr\u0103ri)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Chiar dac\u0103 nu este obligatoriu s\u0103 ai un cont bancar separat pentru PFA, indiferent de forma de impozitare &#8211; <a href=\"https:\/\/startco.ro\/blog\/ce-trebuie-sa-stii-inainte-sa-infiintezi-un-pfa\/\" target=\"_blank\" rel=\"noreferrer noopener\">PFA \u00een sistem real sau norm\u0103 de venit<\/a>, este recomandat s\u0103 separi contul PFA-ului de contul personal.&nbsp;Altfel spus, po\u021bi func\u021biona legal f\u0103r\u0103 cont separat, dar <a href=\"https:\/\/startco.ro\/blog\/deschiderea-contului-bancar-pentru-firma\/\" target=\"_blank\" rel=\"noreferrer noopener\">vei avea nevoie de un cont bancar<\/a> pentru a respecta plafoanele de numerar \u0219i pentru a \u00eencasa\/pl\u0103ti sume peste plafoane. \u00cen plus, multe b\u0103nci nu permit folosirea contului personal (pe CNP) pentru fluxuri recurente de business.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Situa\u021bie<\/strong><\/td><td><strong>Plafon numerar<\/strong><\/td><td><strong>Observa\u021bii<\/strong><\/td><\/tr><tr><td>\u00cencasare de la alt profesionist (PFA\/SRL\/II\/IF)<\/td><td>1.000 lei\/zi\/persoan\u0103<\/td><td>Fragmentarea este interzis\u0103<\/td><\/tr><tr><td>Plat\u0103 c\u0103tre alt profesionist<\/td><td>1.000 lei\/zi\/persoan\u0103 \u0219i max. 2.000 lei\/zi total<\/td><td>Cash&amp;carry: 2.000 lei\/zi<\/td><\/tr><tr><td>\u00cencasare\/Plat\u0103 cu persoan\u0103 fizic\u0103 (B2C)<\/td><td>2.500 lei\/zi\/persoan\u0103<\/td><td>&#8211;<\/td><\/tr><tr><td>PF \u2194 PF (\u00eemprumuturi\/v\u00e2nz\u0103ri bunuri etc.)<\/td><td>5.000 lei\/tranzac\u021bie<\/td><td>Din 2025 (anterior 10.000 lei)<\/td><\/tr><tr><td>Numerar \u00een casierie la sf\u00e2r\u0219it de zi<\/td><td>50.000 lei<\/td><td>Excesul se depune \u00een 2 zile lucr\u0103toare<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Plafoane numerar<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-de-ce-e-bine-sa-ai-un-cont-bancar-separat-pentru-pfa-ul-tau\">De ce e bine s\u0103 ai un cont bancar separat pentru PFA-ul t\u0103u?<\/h2>\n\n\n\n<p><strong>1. Po\u021bi s\u0103 \u021bii o eviden\u021b\u0103 clar\u0103 a veniturilor ob\u021binute pe PFA \u0219i a cheltuielilor deductibile.&nbsp;<\/strong><\/p>\n\n\n\n<p>Pentru ca <a href=\"https:\/\/startco.ro\/blog\/ce-cheltuieli-pot-deconta-pe-firma\/\" target=\"_blank\" rel=\"noreferrer noopener\">o cheltuial\u0103 s\u0103 fie considerat\u0103 deductibil\u0103<\/a>, trebuie ca aceasta s\u0103 fie efectuat\u0103 \u00een interesul PFA-ului \u0219i neap\u0103rat justificat\u0103 prin documente. Dac\u0103 pl\u0103te\u0219ti cu cardul sau prin transfer bancar, este de preferat s\u0103 ai un cont bancar separat pentru a avea o eviden\u021b\u0103 clar\u0103 a pl\u0103\u021bilor.&nbsp;<\/p>\n\n\n\n<p><strong>Asta te ajut\u0103 s\u0103<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00ee\u021bi calculezi rezultatul activit\u0103\u021bii \u0219i s\u0103 <strong>stabile\u0219ti mai u\u0219or impozitul de plat\u0103<\/strong><\/li>\n\n\n\n<li><strong>separi cheltuielile<\/strong> de la restaurant, supermarket sau din vacan\u021b\u0103 de cele necesare pentru desf\u0103\u0219urarea activit\u0103\u021bii <strong>sau banii primi\u021bi <\/strong>de la prieteni\/rude de \u00eencas\u0103rile provenite din activitatea PFA-ului. Astfel, <strong>\u00een caz de control ANAF va fi mai simplu s\u0103 dovede\u0219ti veniturile \u0219i cheltuielile<\/strong> dintr-un extras separat \u0219i nu va trebui s\u0103 le dai inspectorilor acces la extrasul t\u0103u bancar personal cu veniturile \u0219i cheltuielile personale<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Ob\u021bii mai u\u0219or un credit sau leasing<\/strong><\/p>\n\n\n\n<p>At\u00e2t ca SRL c\u00e2t \u0219i ca PFA, po\u021bi achizi\u021biona o ma\u0219in\u0103 \u00een leasing sau po\u021bi solicita un credit pentru capital de lucru. Condi\u021bia esen\u021bial\u0103 este s\u0103 faci dovada c\u0103 afacerea este solvabil\u0103 \u0219i stabil\u0103 financiar. <\/p>\n\n\n\n<p>\u00cen acest sens, trebuie s\u0103 oferi b\u0103ncii date reale cu privire la veniturile \u0219i cheltuielile PFA-ului. De regul\u0103, <strong>b\u0103ncile ofer\u0103 credite doar celor care au cont bancar dedicat<\/strong> deoarece astfel au garan\u021bia unor venituri reale ob\u021binute ca urmare a activit\u0103\u021bii economice, \u0219i nu din alte surse.<\/p>\n\n\n\n<p><strong>3. Evi\u021bi blocarea contului personal \u00een cazul unei popriri pe PFA<\/strong><\/p>\n\n\n\n<p>Dac\u0103 nu achi\u021bi datoriile ANAF la termenele scadente sau omi\u021bi o plat\u0103, este posibil s\u0103 se instituie o poprire pentru datoriile c\u0103tre bugetul de stat. Dac\u0103 ai un cont bancar separat pentru PFA, poprirea va fi instituit\u0103 doar pe contul dedicat PFA, nu pe toate conturile persoanei fizice titular\u0103 de PFA.<\/p>\n\n\n\n<p><strong>4. Dai dovad\u0103 de profesionalism \u0219i \u00eencredere<\/strong><\/p>\n\n\n\n<p>E o dovad\u0103 \u00een plus de profesionalism s\u0103 ai un cont bancar dedicat pe PFA. \u00cen plus, partenerii de afaceri sau institu\u021biile guvernamentale pot impune de\u021binerea unui cont bancar dedicat dac\u0103 vrei s\u0103 lucrezi cu ei. \u00centre profesioni\u0219ti (PFA, SRL, II\/IF etc.) opera\u021biunile se fac preponderent f\u0103r\u0103 numerar.<\/p>\n\n\n\n<p>Spre exemplu, \u00een Rom\u00e2nia <a href=\"https:\/\/startco.ro\/blog\/regulile-e-factura\/\" target=\"_blank\" rel=\"noreferrer noopener\">trebuie s\u0103 transmi\u021bi facturile prin e\u2011Factura<\/a> \u00een max. 5 zile lucr\u0103toare de la emitere (\u0219i nu mai t\u00e2rziu de 5 zile de la termenul legal de emitere). Contul bancar nu e cerin\u021b\u0103 \u00een sine, dar clien\u021bii B2B prefer\u0103\/cer transfer bancar iar platformele de pl\u0103\u021bi cer, \u00een general, un IBAN de business (pe CUI).<\/p>\n\n\n\n<p><strong>5. Mai mult\u0103 claritate \u00een acte<\/strong><\/p>\n\n\n\n<p>\u00cencas\u0103rile \u0219i pl\u0103\u021bile din contul dedicat pentru PFA sunt \u00eenregistrate \u00een extrasul de cont lunar, care este document justificativ pentru contabilitatea PFA-ului. Asemenea firmelor, \u0219i PFA-urile au obliga\u021bia de a arhiva documentele contabile, astfel c\u0103 \u0219i extrasele bancare trebuie p\u0103strate \u00een arhiv\u0103 pentru o perioad\u0103 de cel pu\u021bin 5 ani. <\/p>\n\n\n\n<p>Prin urmare, dac\u0103 folose\u0219ti contul personal, trebuie s\u0103 \u00ee\u021bi p\u0103strezi toate extrasele de cont personale timp de 5 ani pentru a le ar\u0103ta inspectorilor \u00een caz de control.<\/p>\n\n\n\n<p>Chiar dac\u0103 un cont separat \u00eenseamn\u0103 poate taxe \u0219i comisioane separate, acestea nu sunt mari (fiind mai mici la persoane fizice dec\u00e2t la juridice). \u00cen plus, din punctul nostru de vedere, beneficiile dep\u0103sesc mult costurile de administrare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cum-alegi-banca-la-care-sa-i\u021bi-deschizi-contul-bancar-pfa\">Cum alegi banca la care s\u0103 \u00ee\u021bi deschizi contul bancar PFA?<\/h2>\n\n\n\n<p>Chiar dac\u0103 <a href=\"https:\/\/startco.ro\/blog\/pfa-sau-srl\/\" target=\"_blank\" rel=\"noreferrer noopener\">activitatea unui PFA nu este at\u00e2t de complex\u0103 ca cea a unui SRL<\/a>, contul curent bancar \u00ee\u021bi va facilita rela\u021biile comerciale, dar \u0219i cu autorit\u0103\u021bile. A\u0219adar, iat\u0103 ce s\u0103 ai \u00een vedere c\u00e2nd&nbsp; \u00ee\u021bi alegi banca pentru PFA:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>oferta b\u0103ncilor \u0219i condi\u021biile impuse<\/li>\n\n\n\n<li>valoarea comisioanelor \u0219i a taxelor privind diferite opera\u021biuni precum:\n<ul class=\"wp-block-list\">\n<li>deschiderea \u0219i administrarea contului<\/li>\n\n\n\n<li>opera\u021biunile interbancare<\/li>\n\n\n\n<li>retragerea de numerar<\/li>\n\n\n\n<li>\u00eencas\u0103rile de la clien\u021bi<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>serviciile de Internet Banking\/Mobile Banking\/POS\/e-commerce<\/li>\n\n\n\n<li>pl\u0103\u021bi \u00een valut\u0103 \u00een afara Uniunii Europene<\/li>\n\n\n\n<li>suportul tehnic oferit<\/li>\n\n\n\n<li>Alte facilit\u0103\u021bi oferite:\n<ul class=\"wp-block-list\">\n<li>pl\u0103\u021bi \u0219i \u00eencas\u0103ri (na\u021bionale dar \u0219i interna\u021bionale)<\/li>\n\n\n\n<li>plata taxelor la bugetul de stat<\/li>\n\n\n\n<li>schimb valutar<\/li>\n\n\n\n<li>credite<\/li>\n\n\n\n<li>implementarea pl\u0103\u021bii cu cardul pe site-ul firmei etc.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p>Alegerea potrivit\u0103 nu presupune neap\u0103rat alegerea unei b\u0103nci tradi\u021bionale. Po\u021bi separa finan\u021bele personale de ale PFA-ului prin deschiderea unui cont la un fintech precum Revolut sau Wise. Un cont la o banc\u0103 \u00ee\u021bi aduce avantaje precum accesul facil la credite, \u00een timp ce un <a href=\"https:\/\/stco.ro\/Zdm6H\" target=\"_blank\" rel=\"noreferrer noopener\">cont Revolut<\/a> \u00ee\u021bi d\u0103 mai mult\u0103 flexibilitate \u0219i \u00ee\u021bi permite s\u0103 faci pl\u0103\u021bi \u0219i transferuri \u00een mai multe monede, la cursuri valutare avantajoase.&nbsp;<\/p>\n\n\n\n<p>Majoritatea b\u0103ncilor din Rom\u00e2nia au pachete de cont special concepute pentru PFA-uri, nu doar pentru firme. Ca op\u021biuni pentru deschiderea contului bancar pentru PFA exist\u0103 at\u00e2t b\u0103ncile tradi\u021bionale (ING, BCR, Banca Transilvania, Raiffeisen, BRD, CEC Bank \u0219i Libra Internet Bank), c\u00e2t \u0219i fintech-uri (Revolut Business).<\/p>\n\n\n\n<p>Dac\u0103 ne g\u00e2ndim la aspecte legate de digitalizare \u0219i debirocratizare, cel mai avantajoase alegeri ar putea fi Libra \u0219i Revolut, fiecare av\u00e2nd o serie de beneficii dup\u0103 cum urmeaz\u0103:<\/p>\n\n\n\n<p><strong>Cont PFA Libra Internet Bank<\/strong>: Dac\u0103 nu vrei s\u0103 pierzi timpul cu drumurile la banc\u0103, la <a href=\"https:\/\/startco.ro\/librabank\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Libra Internet Bank<\/strong><\/a> po\u021bi deschide cont bancar 100% online \u0219i <strong>direct din<\/strong> <a href=\"https:\/\/stco.ro\/Zdm6H\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>aplica\u021bia StartCo<\/strong><\/a>. F\u0103r\u0103 h\u00e2rtii \u0219i f\u0103r\u0103 s\u0103 te deplasezi, indiferent de forma juridic\u0103: SRL, PFA sau PFI (profesie liberal\u0103 \u00eenregistrat\u0103 \u00een Rom\u00e2nia la ANAF). \u00cen plus, ai beneficii precum:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primele 12 luni gratuite pentru firmele nou-\u00eenfiin\u021bate (costuri zero de administrare: conturi, internet \u0219i mobile banking, card business)<\/li>\n\n\n\n<li>Dup\u0103 12 luni ai un singur cost lunar tip abonament cuprins \u00eentre 50-100 lei \u00een func\u021bie de pachetul ales<\/li>\n\n\n\n<li>Depuneri de numerar gratuite \u00een sucursale<\/li>\n\n\n\n<li>Livrare gratuit\u0103 a cardului oriunde \u00een Rom\u00e2nia<\/li>\n\n\n\n<li>Specialist dedicat contului t\u0103u<\/li>\n<\/ul>\n\n\n\n<p><strong>Cont PFA Revolut Business<\/strong>: Printre variante rapide, cu zero drumuri exist\u0103 \u0219i solu\u021bii alternative oferite de fintech-uri precum <a href=\"https:\/\/revolutbusiness.ngih.net\/c\/5426480\/2680950\/9943\" target=\"_blank\" rel=\"noreferrer noopener\">Revolut Business<\/a>.&nbsp;De ce Revolut Business? Pentru c\u0103 te ajut\u0103 s\u0103 \u00ee\u021bi gestionezi afacerea \u00eentr-un mod inteligent \u0219i super u\u0219or:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Faci \u0219i accep\u021bi pl\u0103\u021bi \u00een peste 25 de monede<\/li>\n\n\n\n<li>Transferi bani interna\u021bional rapid \u0219i sigur<\/li>\n\n\n\n<li>\u00ce\u021bi p\u0103strezi banii \u00een mai multe monede<\/li>\n\n\n\n<li>Schimbi bani la curs valutar preferen\u021bial, f\u0103r\u0103 taxe ascunse<\/li>\n\n\n\n<li>Ai carduri fizice \u0219i virtuale pentru tine \u0219i echipa ta&nbsp;<\/li>\n\n\n\n<li>Faci chiar \u0219i retrageri de la bancomat<\/li>\n\n\n\n<li>Deschizi contul \u00een mai pu\u021bin de 24 de ore&nbsp;<\/li>\n\n\n\n<li>Beneficiezi de suport online 24\/7<\/li>\n\n\n\n<li>Ai acces \u00een banking pe web \u0219i prin aplica\u021bie mobil\u0103.<\/li>\n<\/ul>\n\n\n\n<p>\u200b\u200bDac\u0103 ai clien\u021bi din str\u0103in\u0103tate Revolut Business este alegerea ideal\u0103 pentru PFA-ul t\u0103u. \u00cen schimb,&nbsp; dac\u0103 ai un mix (clien\u021bi din Rom\u00e2nia, dar \u0219i externi) sau doar clien\u021bi din Rom\u00e2nia, atunci po\u021bi s\u0103 optezi pentru un cont Libra \u0219i unul Revolut Business. Astfel, beneficiezi deopotriv\u0103 de:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>facilit\u0103\u021bile oferite de un cont bancar tradi\u021bional: acces facil la credite, dob\u00e2nzi la depozite etc.<\/li>\n\n\n\n<li>dar \u0219i de func\u021bionalit\u0103\u021bile unui fintech ca Revolut: comisioane avantajoase, flexibilitate, cont multi-valutar, tranzac\u021bii \u00een mai multe monede etc.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acte-necesare-pentru-deschiderea-contului-bancar-pfa\">Acte necesare pentru deschiderea contului bancar PFA<\/h2>\n\n\n\n<p>Documentele necesare pentru deschiderea unui cont PFA difer\u0103 de la o banc\u0103 la alta, dar de regul\u0103 vei avea nevoie de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Certificat de \u00eenregistrare PFA (ONRC) + CUI<\/li>\n\n\n\n<li>CI titular<\/li>\n\n\n\n<li>Specimen de semn\u0103tur\u0103 (se face la banc\u0103)<\/li>\n\n\n\n<li>Dovada sediului (rar solicitat\u0103)<\/li>\n\n\n\n<li>\u00cemputernicire dac\u0103 altcineva deschide contul.<\/li>\n<\/ul>\n\n\n\n<p>De\u0219i lucrurile par simple cu privire la gestiunea unui PFA, sunt totu\u0219i aspecte la care trebuie s\u0103 fii destul de atent \u0219i chiar <a href=\"https:\/\/startco.ro\/contabilitate-pfa\" target=\"_blank\" rel=\"noreferrer noopener\">s\u0103 apelezi la sfaturile unui specialist fiscal<\/a>. Contul bancar este unul dintre acestea, iar \u00een acest articol ai toate argumentele pentru care este bine s\u0103 \u00ee\u021bi deschizi un cont bancar separat, dar \u0219i solu\u021biile potrivite, \u00een func\u021bie de nevoile afacerii tale.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1762161811635\"><strong class=\"schema-faq-question\">Trebuie POS pe PFA?<\/strong> <p class=\"schema-faq-answer\">Obliga\u021bia de acceptare a pl\u0103\u021bilor electronice depinde de cifra de afaceri \u0219i tipul de activitate; po\u021bi \u00eendeplini obliga\u021bia \u0219i prin link\/BT\/QR de la un PSP, nu neap\u0103rat POS clasic.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762161832047\"><strong class=\"schema-faq-question\">e\u2011Factura m\u0103 oblig\u0103 s\u0103 am cont bancar?<\/strong> <p class=\"schema-faq-answer\">Nu. Te oblig\u0103 la transmiterea facturii (B2B) \u00een 5 zile; plata r\u0103m\u00e2ne la libera negociere\/contract.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762161861064\"><strong class=\"schema-faq-question\">Dac\u0103 \u00eencasez cash de la persoane fizice peste 2.500 lei?<\/strong> <p class=\"schema-faq-answer\">Nu ai voie \u2013 peste plafon se face numai prin instrumente f\u0103r\u0103 numerar (transfer, card, OP).<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Afl\u0103 care sunt diferen\u021bele \u00eentre un cont bancar personal \u0219i unul pentru PFA, de ce este recomandat s\u0103 ai un cont business separat \u0219i cum alegi banca, plus actele necesare deschiderii.<\/p>\n","protected":false},"author":3,"featured_media":19525,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[370],"tags":[22,51,604,133,53],"class_list":["post-19524","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-viata-de-freelancer","tag-antreprenor","tag-cont-bancar-firma","tag-cont-bancar-pfa","tag-freelancer","tag-revolut"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.5 (Yoast SEO v26.8) - 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