{"id":114534,"date":"2021-03-06T21:02:16","date_gmt":"2021-03-06T20:02:16","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=114534"},"modified":"2021-03-06T21:02:30","modified_gmt":"2021-03-06T20:02:30","slug":"hrt-placamo-li-previse-bankarskih-naknada","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/hrt-placamo-li-previse-bankarskih-naknada\/","title":{"rendered":"HRT: Pla\u0107amo li previ\u0161e bankarskih naknada?"},"content":{"rendered":"
\n
U moru razli\u010ditih nameta koji nas svakodnevno priti\u0161\u0107u mo\u017eda se najte\u017ee nosimo s onima koje napla\u0107uju banke. Prihodi od kamata, naknada i provizija glavni su prihodi 20 razli\u010ditih bankarskih institucija u Hrvatskoj. Bankama pla\u0107amo vi\u0161e od 200 naknada. Primjerice – otvaranje, zatvaranje i vo\u0111enje teku\u0107eg ra\u010duna nije besplatno. Banka \u0107e vam naplatiti i izdavanje potvrde o transakciji, promjenu pina, raniju otplatu rate kredita….. popis je podu\u017ei.<\/div>\n
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Mnoge je iznenadila naknada za podizanje vlastitog novca u poslovnici.<\/p>\n

– Napla\u0107uje se podizanje vlastitog novca, to nikako ne mogu shvatiti ili opravdati. To je na\u0161 novac, do njega \u017eelimo do\u0107i ili putem bankomata ili direktno na \u0161alteru poslovnice, nebitan je na\u010din podizanja novca. Mislim da se takve stvari ne bi smjele napla\u0107ivati, mislim da su naknade uop\u0107eno previsoke, rekla je\u00a0Ana \u0160imi\u0107<\/strong> iz \u0160ibenika.<\/p>\n

Regulator na tr\u017ei\u0161tu je Hrvatska narodna banka. Na njihovim stranicama ili aplikaciji mHNB mogu\u0107e je na jednome mjestu usporediti naj\u010de\u0161\u0107e naknade.<\/p>\n

– HNB na svojoj web stranice i putem mobilne aplikacije omogu\u0107ila je usporedbu naknada koje gra\u0111ani naj\u010de\u0161\u0107e koriste ili ih izla\u017eu najve\u0107em ukupnom ili pojedina\u010dnom tro\u0161ku. Tako potro\u0161a\u010di na jednostavan na\u010din mogu usporediti naknade povezane s platnim uslugama koje ih najvi\u0161e zanimaju, rekao je\u00a0Bruno Vukoja<\/strong>, direktor Direkcije za nadzor platnog prometa u HNB-u.<\/p>\n

No, korisnici bankarskih usluga smatraju da bi HNB, osim informacija, trebao utjecati na banke da smanje broj bankarskih naknada ili da one budu ni\u017ee.<\/p>\n

– Visina naknade je poslovna odluka svake banke, a na nama potro\u0161a\u010dima je da odaberemo uslugu koja najbolje odgovara na\u0161im potrebama. Naknade su vi\u0161e manje, jednake u svim zemljama EU, dodao je Vukoja.<\/p>\n

Potro\u0161a\u010di nemaju previ\u0161e izbora. Cijene naknada u bankama variraju samo neznatno. Jedina je njihova obveza o napla\u0107enim naknadama izvijestiti klijenta. Osim u op\u0107im uvjetima, prije i nakon izvr\u0161enja usluge. Zbog pandemije koronavirusa padaju prihodi banaka od naknada i provizija. Gra\u0111ani su zbog toga zabrinuti jer mogu\u0107i je scenarij da banke uvedu nove naknade.<\/p>\n

Sve je manje onih koji odlaze u banke po novac, a bankarski sustav sve se vi\u0161e digitalizira. Gotovo sve usluge mogu se platiti putem aplikacija. Stoga klijenti o\u010dekuju da broj naknada, zbog manjeg opsega posla bankara, u budu\u0107nosti bude manji, a usluga sigurna i transparentna.<\/p>\n

HRT\/Potro\u0161a\u010dki kod<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

U moru razli\u010ditih nameta koji nas svakodnevno priti\u0161\u0107u mo\u017eda se najte\u017ee nosimo s onima koje napla\u0107uju banke. Prihodi od kamata, naknada i provizija glavni su prihodi 20 razli\u010ditih bankarskih institucija u Hrvatskoj. Bankama pla\u0107amo vi\u0161e od 200 naknada. Primjerice – otvaranje, zatvaranje i vo\u0111enje teku\u0107eg ra\u010duna nije besplatno. Banka \u0107e vam naplatiti i izdavanje potvrde […]<\/p>\n","protected":false},"author":7,"featured_media":106634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,290],"tags":[6722,4113],"class_list":{"0":"post-114534","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-politika","9":"tag-banke","10":"tag-naknade"},"yoast_head":"\nHRT: Pla\u0107amo li previ\u0161e bankarskih naknada? - likemetkovic.hr<\/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:\/\/likemetkovic.hr\/hrt-placamo-li-previse-bankarskih-naknada\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HRT: Pla\u0107amo li previ\u0161e bankarskih naknada? - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"U moru razli\u010ditih nameta koji nas svakodnevno priti\u0161\u0107u mo\u017eda se najte\u017ee nosimo s onima koje napla\u0107uju banke. Prihodi od kamata, naknada i provizija glavni su prihodi 20 razli\u010ditih bankarskih institucija u Hrvatskoj. Bankama pla\u0107amo vi\u0161e od 200 naknada. Primjerice – otvaranje, zatvaranje i vo\u0111enje teku\u0107eg ra\u010duna nije besplatno. 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