{"id":171457,"date":"2026-01-10T07:50:19","date_gmt":"2026-01-10T06:50:19","guid":{"rendered":"https:\/\/likemetkovic.hr\/portal\/?p=171457"},"modified":"2026-01-10T07:50:19","modified_gmt":"2026-01-10T06:50:19","slug":"slikaj-i-plati-nekima-vise-nije-dostupan-banke-zbog-troskova-ogranicile-mobilne-usluge","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/slikaj-i-plati-nekima-vise-nije-dostupan-banke-zbog-troskova-ogranicile-mobilne-usluge\/","title":{"rendered":"&#8220;Slikaj i plati&#8221; nekima vi\u0161e nije dostupan: banke &#8220;zbog tro\u0161kova&#8221; ograni\u010dile mobilne usluge"},"content":{"rendered":"<p><strong>Potro\u0161a\u010dima koji su zatra\u017eili paket besplatnih usluga ograni\u010dene su neke usluge koje su imali bez aktiviranja paketa, posebice kod mobilnog bankarstva.<\/strong><\/p>\n<h4>\u0160to se i dalje smatra besplatnom bankarskom uslugom?<\/h4>\n<p>Hrvatska udruga banaka (HUB) odbacila je optu\u017ebe da banke svjesno opstruiraju zakonom zajam\u010deno pravo gra\u0111ana na paket besplatnih osnovnih bankarskih usluga, isti\u010du\u0107i da se zakonske izmjene primjenjuju od 1. sije\u010dnja te da je paket dostupan svim gra\u0111anima na njihov zahtjev.<\/p>\n<p>No, dio potro\u0161a\u010da upozorava na ograni\u010denja, osobito kod mobilnog bankarstva. Iako banke u okviru besplatnog paketa moraju ponuditi jednu digitalnu uslugu, ve\u0107ina se odlu\u010dila za internetsko bankarstvo, dok su u mobilnim aplikacijama neke funkcije ograni\u010dene \u2013 poput pla\u0107anja i opcije \u201eslikaj i plati\u201c, uz jedinu mogu\u0107nost uvida u stanje ra\u010duna, donosi\u00a0<a href=\"https:\/\/n1info.hr\/biznis\/slikaj-i-plati-vise-nije-dostupan-banke-zbog-troskova-ogranicile-mobilne-usluge\/\">N1<\/a>.<\/p>\n<h4>Ograni\u010denja zbog \u201ctro\u0161kova\u201d<\/h4>\n<p>Iz HUB-a poja\u0161njavaju da su razvoj i odr\u017eavanje mobilnog bankarstva znatno skuplji, zbog tehni\u010dkih zahtjeva i kiberneti\u010dke sigurnosti, pa su ograni\u010denja posljedica tro\u0161kova, a ne kr\u0161enja zakona.<\/p>\n<p>S druge strane, Hrvatska udruga za za\u0161titu potro\u0161a\u010da navodi da su se gra\u0111ani naj\u010de\u0161\u0107e \u017ealili jer su, za aktivaciju besplatnog paketa, morali odmah podmiriti dozvoljeno prekora\u010denje, zbog \u010dega su mnogi odustali. Predsjednica udruge Ana Kne\u017eevi\u0107 smatra da je paket nedovoljno jasno komuniciran te da \u201emalo toga u njemu uistinu jest besplatno\u201c.<\/p>\n<p>HUB isti\u010de da potpuno besplatan paket bankarskih usluga ne postoji nigdje u svijetu te da je Hrvatska iznimka jer je pravo pro\u0161ireno na sve gra\u0111ane, a ne samo na socijalno osjetljive skupine. Procjenjuju da \u0107e to bankarski sektor godi\u0161nje stajati do 100 milijuna eura kroz gubitak prihoda od naknada, donosi<a href=\"https:\/\/n1info.hr\/biznis\/slikaj-i-plati-vise-nije-dostupan-banke-zbog-troskova-ogranicile-mobilne-usluge\/\">\u00a0N1<\/a>.<\/p>\n<p>Ministarstvo financija poru\u010dilo je da \u0107e, u suradnji s HNB-om, pratiti provedbu zakona te reagirati u slu\u010daju nepravilnosti. Iz HUB-a nagla\u0161avaju da klijenti imaju slobodu izbora te da se aktivacija besplatnog paketa provodi isklju\u010divo osobnim dolaskom u poslovnicu, na zahtjev klijenta.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Potro\u0161a\u010dima koji su zatra\u017eili paket besplatnih usluga ograni\u010dene su neke usluge koje su imali bez aktiviranja paketa, posebice kod mobilnog bankarstva. \u0160to se i dalje smatra besplatnom bankarskom uslugom? Hrvatska udruga banaka (HUB) odbacila je optu\u017ebe da banke svjesno opstruiraju zakonom zajam\u010deno pravo gra\u0111ana na paket besplatnih osnovnih bankarskih usluga, isti\u010du\u0107i da se zakonske izmjene [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":171458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,1027],"tags":[6722,1627,12880],"class_list":{"0":"post-171457","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-hrvatska","9":"tag-banke","10":"tag-racuni","11":"tag-usluge"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&quot;Slikaj i plati&quot; nekima vi\u0161e nije dostupan: banke &quot;zbog tro\u0161kova&quot; ograni\u010dile mobilne usluge - 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\/slikaj-i-plati-nekima-vise-nije-dostupan-banke-zbog-troskova-ogranicile-mobilne-usluge\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;Slikaj i plati&quot; nekima vi\u0161e nije dostupan: banke &quot;zbog tro\u0161kova&quot; ograni\u010dile mobilne usluge - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Potro\u0161a\u010dima koji su zatra\u017eili paket besplatnih usluga ograni\u010dene su neke usluge koje su imali bez aktiviranja paketa, posebice kod mobilnog bankarstva. \u0160to se i dalje smatra besplatnom bankarskom uslugom? 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