{"id":10303,"date":"2025-08-06T17:39:35","date_gmt":"2025-08-06T15:39:35","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/pan\/"},"modified":"2026-01-27T13:36:36","modified_gmt":"2026-01-27T12:36:36","slug":"pan","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/pan\/","title":{"rendered":"PAN"},"content":{"rendered":"<h2 data-start=\"2688\" data-end=\"2728\"><span class=\"ez-toc-section\" id=\"Ce_este_PAN_sau_numarul_cardului\"><\/span><strong data-start=\"2691\" data-end=\"2728\">Ce este PAN sau num\u0103rul cardului?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2730\" data-end=\"3067\">PAN <strong data-start=\"2730\" data-end=\"2763\">(Personal Account Number)<\/strong> este num\u0103rul imprimat pe un card bancar \u2014 fie el de credit, debit, virtual sau prepl\u0103tit. De obicei, are <strong data-start=\"2869\" data-end=\"2881\">16 cifre<\/strong>: primele \u0219apte identific\u0103 \u021bara \u0219i emitentul cardului (Visa, Mastercard), iar restul sunt atribuite de banca emitent\u0103 \u0219i sunt legate de titular, de datele bancare \u0219i de tipul cardului.<\/p>\n<p data-start=\"3069\" data-end=\"3292\">De\u0219i acesta este formatul standard, unele carduri, precum American Express, folosesc o structur\u0103 diferit\u0103. Sistemul permite identificarea cardului, a titularului \u0219i a b\u0103ncii emitente, asigur\u00e2nd un nivel mai mare de control.<\/p>\n<h2 data-start=\"3294\" data-end=\"3328\"><span class=\"ez-toc-section\" id=\"Diferente_intre_PAN_si_IBAN\"><\/span><strong data-start=\"3297\" data-end=\"3328\">Diferen\u021be \u00eentre PAN \u0219i IBAN<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3330\" data-end=\"3469\">Fiecare cod se refer\u0103 la un produs bancar diferit.<br data-start=\"3380\" data-end=\"3383\" \/><strong data-start=\"3383\" data-end=\"3391\">IBAN<\/strong> identific\u0103 <strong data-start=\"3403\" data-end=\"3421\">un cont bancar<\/strong>, \u00een timp ce <strong data-start=\"3434\" data-end=\"3441\">PAN<\/strong> este <strong data-start=\"3447\" data-end=\"3468\">num\u0103rul unui card<\/strong>. Ambele func\u021bioneaz\u0103 ca identificatori: putem spune c\u0103 IBAN este <em data-start=\"3535\" data-end=\"3543\">CNP-ul<\/em> unui cont bancar, iar PAN este <em data-start=\"3575\" data-end=\"3583\">CNP-ul<\/em> unui card.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce este PAN sau num\u0103rul cardului?<\/p>\n<p>PAN (Personal Account Number) este num\u0103rul care apare pe un card bancar \u2014 fie credit, debit, virtual sau prepl\u0103tit.<\/p>\n","protected":false},"featured_media":9095,"template":"","meta":{"_acf_changed":false},"class_list":["post-10303","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PAN - PaynoPain<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 ce este un PAN, care este rolul s\u0103u \u00een tranzac\u021biile financiare \u0219i c\u00e2t de important este \u00een identificarea conturilor \u00een sistemele de plat\u0103.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/ro\/glosar\/pan\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PAN - 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