{"id":207,"date":"2026-02-13T19:07:08","date_gmt":"2026-02-13T19:07:08","guid":{"rendered":"https:\/\/carpsilviuionut.ro\/?p=207"},"modified":"2026-02-14T22:44:58","modified_gmt":"2026-02-14T22:44:58","slug":"growth-contul-individual-de-economii-junior-centenar","status":"publish","type":"post","link":"https:\/\/carpsilviuionut.ro\/articole\/diverse\/growth-contul-individual-de-economii-junior-centenar\/","title":{"rendered":"gROwth &#8211; Contul individual de economii Junior Centenar"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Iat\u0103 toate informa\u021biile verificate despre Programul guvernamental <strong>\u201eJunior Centenar\u201d<\/strong> (oficial numit \u0219i <em>gROwth \u2013 Contul individual de economii Junior Centenar<\/em>) din surse media \u0219i documente publice.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ce este Programul \u201eJunior Centenar\u201d<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Junior Centenar este un program guvernamental de economisire ini\u021biat prin Ordonan\u021ba de Urgen\u021b\u0103 nr. 104\/2018 \u201egROwth \u2013 Contul individual de economii Junior Centenar\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Scopul:<\/strong> s\u0103 ofere copiilor cet\u0103\u021beni rom\u00e2ni un instrument de economisire pe termen lung, pentru a avea un sprijin financiar la v\u00e2rsta majoratului (18 ani). <em>Sursa: Juridice<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cine poate beneficia<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Orice copil care:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>este cet\u0103\u021bean rom\u00e2n;<\/li>\n\n\n\n<li>nu a \u00eemplinit 18 ani. <em>Sursa: FinRadar<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Contul se deschide <strong>automat pe numele copilului<\/strong> la Trezoreria Statului, f\u0103r\u0103 ca p\u0103rin\u021bii sau reprezentantul legal s\u0103 depun\u0103 cerere expres\u0103. <em>Sursa: FinRadar<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cum func\u021bioneaz\u0103<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Depuneri:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen cont pot fi depuse sume \u00een lei, \u00een orice moment, prin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>virament bancar;<\/li>\n\n\n\n<li>numerar la casieriile Trezoreriei;<\/li>\n\n\n\n<li>mandat po\u0219tal prin Po\u0219ta Rom\u00e2n\u0103. <em>Sursa: ANAF<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nu se pot retrage sumele \u00eenainte de v\u00e2rsta de 18 ani, cu excep\u021bia unor situa\u021bii excep\u021bionale (boal\u0103 sever\u0103, deces). <em>Sursa: Universul Juridic<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Avantaje \/ Beneficii financiare<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prima de stat:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc Dac\u0103 \u00een fiecare an se depun cel pu\u021bin <strong>1.200 lei<\/strong> \u00een cont (de exemplu 100 lei pe lun\u0103), statul acord\u0103 un <strong>bonus anual fix de 600 lei<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Aceast\u0103 prim\u0103 este acordat\u0103 o singur\u0103 dat\u0103 pe an, indiferent dac\u0103 depui mai mult. <em>Sursa: Observator News<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dob\u00e2nd\u0103:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sumele depuse (cu excep\u021bia primei de stat) c\u00e2\u0219tig\u0103 o <strong>dob\u00e2nd\u0103 de 3% pe an<\/strong>. Dob\u00e2nda se aplic\u0103 la sold \u0219i se pl\u0103te\u0219te la scaden\u021b\u0103 (la 18 ani). <em>Sursa: FinRadar<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Retragerea sumelor<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Sumele + dob\u00e2nda + primele se pot retrage la \u00eemplinirea v\u00e2rstei de 18 ani. Retragerea anticipat\u0103 este posibil\u0103 doar \u00een cazuri excep\u021bionale, prev\u0103zute legal, cum ar fi boala sever\u0103 sau decesul beneficiarului. <em>Sursa: Universul Juridic<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Alte aspecte<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Impozitare:<\/strong> Dob\u00e2nda \u0219i prima de stat sunt tratate fiscal potrivit normelor aplicabile depozitelor b\u0103ne\u0219ti \u00een lei. <em>Sursa: FinRadar<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemplu simplu:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 depui 1.200 lei pe an:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>prima de stat: 600 lei anual;<\/li>\n\n\n\n<li>dob\u00e2nda de 3% pe soldul contului \u2192 p\u00e2n\u0103 la 18 ani poate genera o sum\u0103 semnificativ\u0103 la finalul perioadei. <em>Sursa: Observator News<\/em><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Critici \/ Utilizare<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Exist\u0103 \u0219i opinii potrivit c\u0103rora programul:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>nu a avut o rat\u0103 mare de utilizare;<\/li>\n\n\n\n<li>randamentul total poate fi modest fa\u021b\u0103 de alte op\u021biuni de plasamente financiare pe termen lung (de exemplu ETF-uri, fonduri mutuale). <em>Sursa: Antena 3<\/em><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Rezumat<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Element<\/strong><\/td><td><strong>Detalii<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Nume oficial<\/strong><\/td><td>gROwth \u2013 Contul individual de economii Junior Centenar<\/td><\/tr><tr><td><strong>Cine poate beneficia<\/strong><\/td><td>Copii cet\u0103\u021beni rom\u00e2ni sub 18 ani<\/td><\/tr><tr><td><strong>Unde se deschide contul<\/strong><\/td><td>Trezoreria Statului<\/td><\/tr><tr><td><strong>Depuneri minime<\/strong><\/td><td>1.200 lei \/ an pentru bonus<\/td><\/tr><tr><td><strong>Bonus de stat anual<\/strong><\/td><td>600 lei<\/td><\/tr><tr><td><strong>Dob\u00e2nd\u0103 anual\u0103<\/strong><\/td><td>3% la sold<\/td><\/tr><tr><td><strong>Retragere<\/strong><\/td><td>La 18 ani (cu excep\u021bii)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Trezoreria \u00een Craiova<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Trezoreria Statului are sediu \u00een Craiova la urm\u0103toarea adres\u0103:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccd <strong>Direc\u021bia General\u0103 Regional\u0103 a Finan\u021belor Publice Craiova<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc Strada Mitropolit Firmilian nr. 2, Craiova 200761, Dolj, Rom\u00e2nia<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u260e\ufe0f <strong>Telefon:<\/strong> 0251-402.337<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd52 <strong>Program de lucru cu publicul:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Luni \u2013 Joi: 08:30 \u2013 15:30<\/li>\n\n\n\n<li>Vineri: 08:30 \u2013 13:00 <em>Sursa: ANAF<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aceast\u0103 unitate include \u0219i <strong>Trezoreria Operativ\u0103 a Municipiului Craiova<\/strong> (cod TREZ291).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <em>Not\u0103:<\/em> Exist\u0103 \u0219i alte trezorerii operative \u00een jude\u021bul Dolj (B\u0103ile\u0219ti, Filia\u0219i, Segarcea, Bechet), dar sediul principal este cel din Str. Mitropolit Firmilian nr. 2. <em>Sursa: ANAF<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Surse \u0219i Referin\u021be:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.juridice.ro\/618359\/programului-guvernamental-growth-contul-individual-de-economii-junior-centenar.html\" target=\"_blank\" rel=\"noreferrer noopener\">Juridice.ro<\/a><\/strong> \u2013 Detalii legislative privind OUG 104\/2018.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.finradar.ro\/economii\/contul-de-economii-junior-centenar\" target=\"_blank\" rel=\"noreferrer noopener\">FinRadar<\/a><\/strong> \u2013 Ghid practic pentru contul de economii Junior Centenar.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/static.anaf.ro\/static\/10\/Anaf\/AsistentaContribuabili_r\/Trezorerii.htm\" target=\"_blank\" rel=\"noreferrer noopener\">ANAF<\/a><\/strong> \u2013 Informa\u021bii despre unit\u0103\u021bile de trezorerie \u0219i program de lucru.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/observatornews.ro\/iq-financiar\/programul-junior-centenar-garantat-de-statul-roman-cati-bani-obtii-dupa-18-ani-daca-investesti-1200-leian-607920.html\" target=\"_blank\" rel=\"noreferrer noopener\">Observator News<\/a><\/strong> \u2013 Analiz\u0103 privind bonusurile acordate de stat.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.google.com\/search?q=https:\/\/www.universuljuridic.ro\/presedintele-romaniei-sesizare-de-neconstitutionalitate-asupra-legii-pentru-aprobarea-oug-nr-104-2018-privind-implementarea-programului-guvernamental-growth-contul-individual-d\/\" target=\"_blank\" rel=\"noreferrer noopener\">Universul Juridic<\/a><\/strong> \u2013 Reglement\u0103ri \u0219i contextul legii Junior Centenar.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.google.com\/search?q=https:\/\/www.antena3.ro\/actualitate\/social\/bani-conturi-copii-junior-centenar-560495.html\" target=\"_blank\" rel=\"noreferrer noopener\">Antena 3<\/a><\/strong> \u2013 Compara\u021bie \u00eentre randamentul programului \u0219i alte instrumente financiare.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Iat\u0103 toate informa\u021biile verificate despre Programul guvernamental \u201eJunior Centenar\u201d (oficial numit \u0219i gROwth \u2013 Contul individual de economii Junior Centenar) din surse media \u0219i documente publice. Ce este Programul \u201eJunior Centenar\u201d Junior Centenar este un program guvernamental de economisire ini\u021biat prin Ordonan\u021ba de Urgen\u021b\u0103 nr. 104\/2018 \u201egROwth \u2013 Contul individual de economii Junior Centenar\u201d. \ud83d\udc49 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":176389,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-207","post","type-post","status-publish","format-standard","has-post-thumbnail","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>gROwth - Contul individual de economii Junior Centenar - carpsilviuionut.ro<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/carpsilviuionut.ro\/articole\/diverse\/growth-contul-individual-de-economii-junior-centenar\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"gROwth - Contul individual de economii Junior Centenar - carpsilviuionut.ro\" \/>\n<meta property=\"og:description\" content=\"Iat\u0103 toate informa\u021biile verificate despre Programul guvernamental \u201eJunior Centenar\u201d (oficial numit \u0219i gROwth \u2013 Contul individual de economii Junior Centenar) din surse media \u0219i documente publice. Ce este Programul \u201eJunior Centenar\u201d Junior Centenar este un program guvernamental de economisire ini\u021biat prin Ordonan\u021ba de Urgen\u021b\u0103 nr. 104\/2018 \u201egROwth \u2013 Contul individual de economii Junior Centenar\u201d. \ud83d\udc49 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/carpsilviuionut.ro\/articole\/diverse\/growth-contul-individual-de-economii-junior-centenar\/\" \/>\n<meta property=\"og:site_name\" content=\"carpsilviuionut.ro\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-13T19:07:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-14T22:44:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/carpsilviuionut.ro\/articole\/wp-content\/uploads\/2026\/02\/junior-centenar.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"carpsilviuionut.ro\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"carpsilviuionut.ro\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/carpsilviuionut.ro\/articole\/diverse\/growth-contul-individual-de-economii-junior-centenar\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/carpsilviuionut.ro\/articole\/diverse\/growth-contul-individual-de-economii-junior-centenar\/\"},\"author\":{\"name\":\"carpsilviuionut.ro\",\"@id\":\"https:\/\/carpsilviuionut.ro\/articole\/#\/schema\/person\/71c19e5491505e2b91f094118a771e97\"},\"headline\":\"gROwth &#8211; 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