[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.osbaobab.cz\/je-vedeni-bankovniho-uctu-zdarma-opravdu-bez-poplatku\/#Article","mainEntityOfPage":"https:\/\/www.osbaobab.cz\/je-vedeni-bankovniho-uctu-zdarma-opravdu-bez-poplatku\/","headline":"Je veden\u00ed bankovn\u00edho \u00fa\u010dtu zdarma opravdu bez poplatk\u016f?","name":"Je veden\u00ed bankovn\u00edho \u00fa\u010dtu zdarma opravdu bez poplatk\u016f?","description":"Zejm\u00e9na v\u00a0posledn\u00edch letech se \u010d\u00edm d\u00e1l t\u00edm v\u00edce setk\u00e1v\u00e1me s\u00a0fenom\u00e9nem poskytov\u00e1n\u00ed bankovn\u00edch slu\u017eeb bez \u00faplaty. Zpravidla se jedn\u00e1 o klasick\u00e9<p><a href=\"https:\/\/www.osbaobab.cz\/je-vedeni-bankovniho-uctu-zdarma-opravdu-bez-poplatku\/\" class=\"more-link\">P\u0159e\u010d\u00edst..<span class=\"screen-reader-text\">Je veden\u00ed bankovn\u00edho \u00fa\u010dtu zdarma opravdu bez poplatk\u016f?<\/span><\/a><\/p>","datePublished":"2023-05-09","dateModified":"2023-05-09","author":{"@type":"Person","@id":"https:\/\/www.osbaobab.cz\/author\/#Person","name":"","url":"https:\/\/www.osbaobab.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"osbaobab.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.osbaobab.cz\/wp-content\/uploads\/img_a291125_w2254_t1503919171.jpg","url":"https:\/\/www.osbaobab.cz\/wp-content\/uploads\/img_a291125_w2254_t1503919171.jpg","height":0,"width":0},"url":"https:\/\/www.osbaobab.cz\/je-vedeni-bankovniho-uctu-zdarma-opravdu-bez-poplatku\/","wordCount":624,"articleBody":"Zejm\u00e9na v\u00a0posledn\u00edch letech se \u010d\u00edm d\u00e1l t\u00edm v\u00edce setk\u00e1v\u00e1me s\u00a0fenom\u00e9nem poskytov\u00e1n\u00ed bankovn\u00edch slu\u017eeb bez \u00faplaty. Zpravidla se jedn\u00e1 o klasick\u00e9 slu\u017eby typu z\u0159\u00edzen\u00ed \u010di veden\u00ed bankovn\u00edho \u00fa\u010dtu zdarma. Av\u0161ak je tomu skute\u010dn\u011b tak? Opravdu n\u00e1s bankovn\u00ed \u00fa\u010det nic nestoj\u00ed?Jsou bankovn\u00ed slu\u017eby bez poplatk\u016f pouze strategi\u00ed bank?Banky v\u00a0r\u00e1mci sv\u00fdch proklientsk\u00fdch strategi\u00ed l\u00e1kaj\u00ed sv\u00e9 potencion\u00e1ln\u00ed klienty na mo\u017enost z\u0159\u00edzen\u00ed a veden\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu na jejich pobo\u010dce zcela zdarma. Av\u0161ak b\u00fdv\u00e1 pravidlem, \u017ee se bankovn\u00ed poradci zapomenou zm\u00ednit, \u010di tuto skute\u010dnost zmi\u0148uj\u00ed z\u00e1m\u011brn\u011b a\u017e po uzav\u0159en\u00ed smlouvy, \u017ee banka nap\u0159\u00edklad nedisponuje vlastn\u00edmi bankomaty. Co\u017e pro v\u00e1s jako spot\u0159ebitele znamen\u00e1, \u017ee sv\u00e9 pen\u00edze mus\u00edte vyb\u00edrat v\u00a0bankomatech ciz\u00edch bank za poplatek. Banky, kter\u00e9 nemaj\u00ed vlastn\u00ed bankomaty, nab\u00edzej\u00ed sv\u00fdm klient\u016fm ur\u010dit\u00fd po\u010det v\u00fdb\u011br\u016f z\u00a0ciz\u00edho bankomatu zdarma a dal\u0161\u00ed v\u00fdb\u011bry ji\u017e zpoplat\u0148uj\u00ed. A \u017ee se nejedn\u00e1 se o \u017e\u00e1dn\u00e9 n\u00edzk\u00e9 sazby jist\u011b v\u0161ichni dob\u0159e v\u00edme. \u010cast\u00fdm poplatkem je tak\u00e9 poplatek za odchoz\u00ed platby, kter\u00fd se v\u00a0sou\u010dasnosti pohybuje v\u00a0rozmez\u00ed 3 \u2013 7 K\u010d za platbu v\u00a0z\u00e1vislosti na typu platby a poskytovateli bankovn\u00edch slu\u017eeb. Obvykle si pr\u00e1v\u011b kv\u016fli mo\u017enosti zas\u00edlat odchoz\u00ed platby bankovn\u00ed \u00fa\u010det spot\u0159ebitel\u00e9 z\u0159izuj\u00ed a disponov\u00e1n\u00ed s\u00a0pen\u011bzi je tak m\u016f\u017ee p\u0159ij\u00edt na nemal\u00e9 \u010d\u00e1stky. N\u011bkter\u00e9 komer\u010dn\u00ed banky si dokonce \u00fa\u010dtuj\u00ed poplatky za vklad na \u00fa\u010det. Tento poplatek strategicky ukr\u00fdvaj\u00ed pod pojmem \u201e\u00da\u010detn\u00ed polo\u017eka\u201c, kdy klienti \u010dasto ani netu\u0161\u00ed, co je obsahovou n\u00e1pln\u00ed t\u00e9to \u00fahrady. Pod t\u00edmto n\u00e1zvem toti\u017e bankovn\u00ed spole\u010dnosti skr\u00fdvaj\u00ed poplatky, kter\u00e9 jsou v\u00a0dne\u0161n\u00ed dob\u011b t\u00e9m\u011b\u0159 p\u0159e\u017eitkem na bankovn\u00edm trhu.Skryt\u00e9 poplatky u spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016fM\u011bli byste tak\u00e9 zbyst\u0159it, pokud si chcete v bance za\u017e\u00e1dat o spot\u0159ebitelsk\u00fd \u00fav\u011br. I zde se \u010dasto objevuj\u00ed skryt\u00e9 poplatky, o kter\u00fdch \u017eadatel\u00e9 o p\u016fj\u010dku mnohdy ani nev\u00ed. P\u0159i uzav\u00edr\u00e1n\u00ed p\u016fj\u010dky je velmi slo\u017eit\u00e9 porovnat v\u0161echny nab\u00eddky obchodn\u00edch bank. Vhodn\u00fdm n\u00e1strojem, jak posoudit v\u00fdhodnost poskytovan\u00e9 p\u016fj\u010dky, je RPSN, tedy ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. Zjednodu\u0161en\u011b lze \u0159\u00edci, \u017ee tato sazba ud\u00e1v\u00e1 procento z\u00a0dlu\u017en\u00e9 \u010d\u00e1stky, kter\u00e9 mus\u00ed spot\u0159ebitel uhradit za jeden rok. Zat\u00edmco \u00farok zahrnuje pouze cenu zap\u016fj\u010den\u00e9ho kapit\u00e1lu, RPSN zahrnuje ostatn\u00ed n\u00e1klady spojen\u00e9 se zap\u016fj\u010den\u00edm pen\u011bz. Jedn\u00e1 se zejm\u00e9na o poplatek za uzav\u0159en\u00ed smlouvy, za veden\u00ed \u00fa\u010dtu \u010di poplatek za poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet. Mnoho klient\u016f tak\u00e9 p\u0159ekvap\u00ed poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru, kdy za skute\u010dnost, \u017ee \u00fav\u011br splat\u00edte d\u0159\u00edve, zaplat\u00edte poplatek ve v\u00fd\u0161i ur\u010dit\u00e9ho procenta ze zb\u00fdvaj\u00edc\u00ed dlu\u017en\u00e9 \u010d\u00e1stky. Pokud se tedy chyst\u00e1te za\u017e\u00e1dat o \u00fav\u011br, je vhodn\u00e9 si srovnat nab\u00eddky bank dle jejich RPSN.Nelze obecn\u011b \u0159\u00edci, kter\u00e1 banka je nejv\u00fdhodn\u011bj\u0161\u00ed. Je doporu\u010dov\u00e1no pe\u010dliv\u011b prozkoumat obchodn\u00ed podm\u00ednky jednotliv\u00fdch bank, kter\u00e9 zva\u017eujete. M\u016f\u017eete si tak\u00e9 vyhledat srovn\u00e1n\u00ed bank na internetu dle jednotliv\u00fdch krit\u00e9ri\u00ed a p\u0159itom db\u00e1t na recenze ji\u017e st\u00e1vaj\u00edc\u00edch klient\u016f. Jedin\u011b tak si vyberete banku, kter\u00e1 poskytuje slu\u017eby \u00fam\u011brn\u00e9 va\u0161im pot\u0159eb\u00e1m za odpov\u00eddaj\u00edc\u00ed cenu.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je veden\u00ed bankovn\u00edho \u00fa\u010dtu zdarma opravdu bez poplatk\u016f?","item":"https:\/\/www.osbaobab.cz\/je-vedeni-bankovniho-uctu-zdarma-opravdu-bez-poplatku\/#breadcrumbitem"}]}]