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Financiar v1 / Indici

Statutory interest between professionals

The statutory penalty interest under Law 72/2013, for contracts between professionals and between them and contracting authorities: the reference rate plus 8 percentage points.

The reference rate is the one in force on the first calendar day of the half-year and applies for the whole half-year — it does not follow the NBR decisions taken during it.

GET
https://oneapi.ro/api/financiar/v1/dobanda-legala/profesionisti

Query parameters

NameTypeDescriptionAccepted values
dataoptional date Format Y-m-d. e.g. 2024-06-15e.g. 2020-06-15

How it behaves

  • Statutory penalty interest for contracts between professionals and between them and contracting authorities: the reference rate plus 8 percentage points (Law 72/2013, read with GO 13/2011 art. 3(2^1)).
  • The reference rate is the one in force on the FIRST CALENDAR DAY of the half-year, and it applies for the whole half-year. It does not follow NBR decisions taken during the half-year. The response states which half-year, what the anchor is, and which decision the rate comes from.
  • The difference from the general regime is not theoretical. On 15 September 2024 the policy rate was 6.50% (NBR had cut it on 8 August), so the general regime gave a penalty rate of 10.50%. Under the professionals' regime the anchor was 1 July 2024, when the rate was 7.00% — so 15.00%, not 14.50%. Anyone taking "current rate + 8" is off by half a point.
  • Dates before 2011-09-01 are refused, with an explanation of the change of regime.

What it is for

  • Late-payment interest on a business-to-business invoice.
  • Interest owed by a contracting authority.

Response structure

FieldTypeDescription
data.la_data string The date the returned values are valid on.
data.semestru string The half-year the requested date falls in (2026-S2).
data.ancora_semestrului string The first day of the half-year — the date at which the reference rate is read.
data.referinta string The rate in force at the anchor.
data.referinta_in_vigoare_din string The date of the NBR decision from which the rate used is in force. It can be much earlier than the anchor.
data.unitate string The unit of the values. Read it before plotting or adding them up.
data.penalizatoare string Reference plus 8 percentage points.
meta.temei string The legal basis for the values or for the way they are computed.
meta.sursa string The official source the data comes from, with its licence where one is required.
meta.nota string A note on how to read the response — a pitfall, a convention or a limit of the source.
meta.avertisment string A warning about a limit of the data that changes its interpretation.

Response examples

GEThttps://oneapi.ro/api/financiar/v1/dobanda-legala/profesionisti
{
    "data": {
        "la_data": "2026-10-07",
        "semestru": "2026-S2",
        "ancora_semestrului": "2026-07-01",
        "referinta": "6.50",
        "referinta_in_vigoare_din": "2024-08-08",
        "unitate": "procent_pe_an",
        "penalizatoare": "14.50"
    },
    "meta": {
        "temei": "Legea 72/2013 coroborat cu OG 13/2011 art. 3 alin. (2^1): referinţă + 8 puncte procentuale. Rata de referinţă în vigoare în prima zi calendaristică a semestrului se aplică pentru întregul semestru.",
        "sursa": "Banca Naţională a României — deciziile de politică monetară.",
        "nota": "Rata e ancorată la 2026-07-01 şi nu se schimbă până la sfârşitul semestrului, chiar dacă BNR modifică rata de politică monetară între timp. De aceea poate diferi de rata din regimul general — vezi /financiar/v1/dobanda-legala/civila.",
        "avertisment": "Rezultatul e nivelul ratei, nu o consultanţă juridică."
    }
}

Error codes

CodeSlugWhen it occurs
401neautentificatToken missing, invalid, expired or revoked.
403feature_indisponibilThe current plan does not include the feature the route depends on.
404negasitalt_regim_juridic for dates before 2011-09-01.
422validareMalformed or future date.
429cota_depasitaThe plan's monthly quota has been exceeded (see Retry-After).

All errors share the same shape. eroare.cod is stable and is the value you should branch on in code — not the text in mesaj, which may change.

{
    "eroare": {
        "cod": "validare",
        "mesaj": "Malformed or future date.",
        "detalii": {
            "data": [
                "The value sent does not satisfy the parameter rule."
            ]
        }
    }
}