{"id":168806,"date":"2025-09-10T11:32:28","date_gmt":"2025-09-10T09:32:28","guid":{"rendered":"https:\/\/likemetkovic.hr\/portal\/?p=168806"},"modified":"2025-09-10T11:32:28","modified_gmt":"2025-09-10T09:32:28","slug":"uskoro-bitna-promjena-od-9-listopada-mijenjaju-se-iban-pravila-ali-i-nacin-placanja-racuna","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/uskoro-bitna-promjena-od-9-listopada-mijenjaju-se-iban-pravila-ali-i-nacin-placanja-racuna\/","title":{"rendered":"Uskoro bitna promjena: od 9. listopada mijenjaju se IBAN pravila, ali i na\u010din pla\u0107anja ra\u010duna"},"content":{"rendered":"<p>Od 9. listopada 2025. uvodi se novo pravilo za sve bankovne transakcije: ime primatelja i IBAN morat \u0107e se me\u0111usobno podudarati. Rije\u010d je o poku\u0161aju suzbijanja rastu\u0107ih prevara s bankovnim uplatama, poput la\u017enih ra\u010duna, krivotvorenih podataka i tzv. \u201cinkaso\u201d prijevara, pi\u0161e <a href=\"https:\/\/www.poslovni.hr\/financije\/uskoro-bitna-promjena-od-9-listopada-mijenjaju-se-iban-pravila-ali-i-nacin-placanja-racuna-4496753\" target=\"_blank\" rel=\"noopener\">Poslovni.hr<\/a>.<\/p>\n<p>Do sada je za uplatu bilo dovoljno unijeti samo IBAN, ime primatelja nije se provjeravalo. Upravo su to iskori\u0161tavali prevaranti koji su tra\u017eili uplate na la\u017ene IBAN brojeve koriste\u0107i poznata imena primatelja.<\/p>\n<p>Novi sustav provjere funkcionirat \u0107e po principu \u201csemafora\u201d, bilo u internetskom bankarstvu, bilo na bankarskom \u0161alteru:<\/p>\n<ul>\n<li>Zelena oznaka: IBAN i ime primatelja se podudaraju \u2013 uplata je sigurna.<\/li>\n<li>\u017duta oznaka: mogu\u0107i tipfeler \u2013 nedostaje znamenka ili su ime i prezime zamijenjeni redoslijedom.<\/li>\n<li>Crvena oznaka: podaci se ne podudaraju \u2013 uplatu treba dodatno provjeriti.<\/li>\n<li>Bez oznake: mogu\u0107i tehni\u010dki problem \u2013 savjetuje se kontaktirati banku.<\/li>\n<\/ul>\n<p>Sustav je osmi\u0161ljen kako bi za\u0161titio korisnike bez dodatnih tro\u0161kova.<\/p>\n<p>Nova regulacija stupa na snagu 9. listopada 2025., a od 9. srpnja 2027. primjenjivat \u0107e se u cijelom europskom gospodarskom prostoru bez obzira na valutu.<\/p>\n<p>Tako\u0111er, od sljede\u0107eg mjeseca nema vi\u0161e \u010dekanja da uplata kroz dva dana sjedne na drugi ra\u010dun zato \u0161to je upla\u0107ena u petak poslijepodne \u2013 pla\u0107anja \u0107e biti instantna, u roku od deset sekundi, neovisno o dobu dana, vikendu ili blagdanima, \u010dime \u0107e napokon u cijelosti za\u017eivjeti takozvana europska Uredba o platnim uslugama donesena 2023. godine.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Od 9. listopada 2025. uvodi se novo pravilo za sve bankovne transakcije: ime primatelja i IBAN morat \u0107e se me\u0111usobno podudarati. Rije\u010d je o poku\u0161aju suzbijanja rastu\u0107ih prevara s bankovnim uplatama, poput la\u017enih ra\u010duna, krivotvorenih podataka i tzv. \u201cinkaso\u201d prijevara, pi\u0161e Poslovni.hr. Do sada je za uplatu bilo dovoljno unijeti samo IBAN, ime primatelja nije [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":149827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,1027],"tags":[13279,13280],"class_list":{"0":"post-168806","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-hrvatska","9":"tag-iban-racun","10":"tag-placanja"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Uskoro bitna promjena: od 9. listopada mijenjaju se IBAN pravila, ali i na\u010din pla\u0107anja ra\u010duna - 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\/portal\/uskoro-bitna-promjena-od-9-listopada-mijenjaju-se-iban-pravila-ali-i-nacin-placanja-racuna\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Uskoro bitna promjena: od 9. listopada mijenjaju se IBAN pravila, ali i na\u010din pla\u0107anja ra\u010duna - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Od 9. listopada 2025. uvodi se novo pravilo za sve bankovne transakcije: ime primatelja i IBAN morat \u0107e se me\u0111usobno podudarati. Rije\u010d je o poku\u0161aju suzbijanja rastu\u0107ih prevara s bankovnim uplatama, poput la\u017enih ra\u010duna, krivotvorenih podataka i tzv. \u201cinkaso\u201d prijevara, pi\u0161e Poslovni.hr. 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