{"id":182760,"date":"2026-08-17T18:46:16","date_gmt":"2026-08-17T18:46:16","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/182760\/"},"modified":"2026-08-17T18:46:16","modified_gmt":"2026-08-17T18:46:16","slug":"financni-limity-v-roce-2027-co-se-meni-pri-vyberu-z-bankomatu-a-posilani-penez-na-vlastni-ucet","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/182760\/","title":{"rendered":"Finan\u010dn\u00ed limity v roce 2027: Co se m\u011bn\u00ed p\u0159i v\u00fdb\u011bru z bankomatu a pos\u00edl\u00e1n\u00ed pen\u011bz na vlastn\u00ed \u00fa\u010det"},"content":{"rendered":"

V\u00a0posledn\u00ed dob\u011b koluje mezi lidmi m\u00fdtus, \u017ee st\u00e1t nebo
\nEvropsk\u00e1 unie pl\u00e1nuj\u00ed omezit \u010d\u00e1stky, kter\u00e9 si mohou lid\u00e9 pos\u00edlat mezi
\nsv\u00fdmi vlastn\u00edmi \u00fa\u010dty. \u017d\u00e1dn\u00fd takov\u00fd strop ale v\u00a0\u010cesku neexistuje a
\nv\u00a0p\u0159\u00ed\u0161t\u00edm roce se ani podobn\u00fd limit nepl\u00e1nuje zav\u00e1d\u011bt. P\u0159i p\u0159evodu je
\nv\u0161ak mo\u017en\u00e9 narazit na r\u016fzn\u00e1 pravidla stanoven\u00e1 p\u0159\u00edmo bankou, ale tak\u00e9
\nna nastaven\u00ed vlastn\u00edch limit\u016f v\u00a0bankovnictv\u00ed a podobn\u011b. Banky mohou
\nz\u00e1rove\u0148 podez\u0159el\u00e9 transakce prov\u011b\u0159ovat v\u00a0r\u00e1mci pravidel proti pran\u00ed
\n\u0161pinav\u00fdch pen\u011bz.\u00a0<\/p>\n

Hotovostn\u00ed platby nad 10\u00a0000\u00a0eur<\/p>\n

Od 10.\u00a0\u010dervence 2027\u00a0se za\u010dne pou\u017e\u00edvat nov\u00e9 evropsk\u00e9 AML
\nna\u0159\u00edzen\u00ed. Jednotliv\u00e9 \u010dlensk\u00e9 st\u00e1ty mus\u00ed na jeho z\u00e1klad\u011b
\nzav\u00e9st maxim\u00e1ln\u00ed limit 10\u00a0000\u00a0eur pro hotovostn\u00ed platby za zbo\u017e\u00ed \u010di
\nslu\u017eby. \u010cesk\u00e1 republika m\u00e1 aktu\u00e1ln\u011b tento limit nastaven\u00fd na
\n270\u00a0tis\u00edc korun. Dle aktu\u00e1ln\u00edho kurzu eura se tak \u010desk\u00e9 limity nejsp\u00ed\u0161
\nje\u0161t\u011b\u00a0sn\u00ed\u017e\u00ed.<\/p>\n

Co se d\u00e1le zp\u0159\u00edsn\u00ed, je kontrola n\u011bkter\u00fdch
\np\u0159\u00edle\u017eitostn\u00fdch transakc\u00ed od 3\u00a0000\u00a0eur. Nap\u0159\u00edklad p\u0159i n\u00e1kupu
\ndrah\u00fdch kov\u016f a kamen\u016f budou prodejci povinni identifikovat sv\u00e9 z\u00e1kazn\u00edky.
\nZ\u00e1kazn\u00edk m\u016f\u017ee b\u00fdt v\u00a0p\u0159\u00edpad\u011b podez\u0159el\u00e9 transakce p\u0159\u00edslu\u0161n\u00fdmi
\norg\u00e1ny vyzv\u00e1n k\u00a0pod\u00e1n\u00ed informac\u00ed o\u00a0\u00fa\u010delu transakc\u00ed nebo p\u016fvodu
\npen\u011bz. Neznamen\u00e1 to ale, \u017ee je nutn\u00e9 dokl\u00e1dat p\u016fvod pen\u011bz p\u0159i ka\u017ed\u00e9m
\ntakov\u00e9m n\u00e1kupu.\u00a0<\/p>\n

Vra\u0165me se v\u0161ak je\u0161t\u011b k\u00a0limitu 10\u00a0tis\u00edc eur.
\nHotovostn\u00ed platba nen\u00ed to stejn\u00e9 jako v\u00fdb\u011br pen\u011bz z\u00a0vlastn\u00edho
\n\u00fa\u010dtu (p\u0159\u00edpadn\u011b vklad na n\u011bj). Tento limit tak neplat\u00ed pro
\nv\u00fdb\u011bry z\u00a0bankomatu ani nijak neomezuje mno\u017estv\u00ed financ\u00ed, kter\u00fdmi m\u016f\u017eete
\nv\u00a0hotovosti disponovat. V\u00a0praxi je to nap\u0159\u00edklad tak, \u017ee pokud prod\u00e1te
\nnemovitost a chcete si utr\u017een\u00e9 pen\u00edze z\u00a0\u00fa\u010dtu vybrat a platit s\u00a0nimi
\nhotov\u011b, nikdo v\u00e1m to nezak\u00e1\u017ee.\u00a0<\/p>\n


\n
\n <\/a>Hotovostn\u00ed platby se od roku 2027 omez\u00ed
\n , …<\/p>\n

Sd\u00edlen\u00e9 s\u00edt\u011b roz\u0161i\u0159uj\u00ed mo\u017enosti<\/p>\n

V\u00a0posledn\u00edch m\u011bs\u00edc\u00edch l\u00e1kaj\u00ed banky na sd\u00edlen\u00e9
\ns\u00edt\u011b bankomat\u016f a vkladomat\u016f. Pro klienta to znamen\u00e1, \u017ee ani p\u0159i
\nv\u00fdb\u011bru z\u00a0bankomatu jin\u00e9 banky nemus\u00ed platit poplatek. V\u00a0leto\u0161n\u00edm roce se
\nke Komer\u010dn\u00ed bance, MONETA Money Bank a Air Bank p\u0159ipojila tak\u00e9 UniCredit
\nBank. Klienti tak mohou vyu\u017e\u00edvat bankomaty v\u0161ech \u010dty\u0159 bank za stejn\u00fdch
\npodm\u00ednek, kter\u00e9 maj\u00ed u\u00a0sv\u00e9 vlastn\u00ed banky.\u00a0<\/p>\n

Pro sd\u00edlen\u00e9 vkladomaty plat\u00ed ur\u010dit\u00e9 limity. Obvykle lze
\nvlo\u017eit maxim\u00e1ln\u011b 350\u00a0tis\u00edc korun a nejv\u00fd\u0161e 200\u00a0bankovek v\u00a0r\u00e1mci
\njednoho vkladu. Tento limit plat\u00ed pro danou sd\u00edlenou s\u00ed\u0165, nicm\u00e9n\u011b
\njednotliv\u00e9 banky mohou m\u00edt nastaven\u00e9 vlastn\u00ed limity. Nap\u0159\u00edklad u\u00a0Air Bank
\nlze b\u011bhem jednoho dne vlo\u017eit a\u017e 600\u00a0tis\u00edc korun.\u00a0<\/p>\n

Evropsk\u00e9 novinky: Okam\u017eit\u00e9 eurov\u00e9 platby\u00a0<\/p>\n

V\u00a0n\u00e1sleduj\u00edc\u00edm obdob\u00ed ovlivn\u00ed \u010desk\u00e9 bankovnictv\u00ed
\np\u0159edev\u0161\u00edm evropsk\u00e1 legislativa, kter\u00e9 se mus\u00ed \u010desk\u00e9 banky p\u0159izp\u016fsobit.
\nAsi nejv\u00fdrazn\u011bj\u0161\u00ed zm\u011bnou jsou pravidla pro okam\u017eit\u00e9 eurov\u00e9
\nplatby. Pro b\u011b\u017en\u00e9ho klienta to znamen\u00e1, \u017ee platby v\u00a0eurech mezi
\nr\u016fzn\u00fdmi \u00fa\u010dty budou stejn\u011b rychl\u00e9 jako dne\u0161n\u00ed okam\u017eit\u00fd p\u0159evod.<\/p>\n

Okam\u017eit\u00e9 p\u0159evody funguj\u00ed prakticky 24\u00a0hodin denn\u011b a sedm dn\u00ed
\nv\u00a0t\u00fddnu. Pokud jsou tedy z\u00a0jedn\u00e9 banky pen\u00edze posl\u00e1ny okam\u017eit\u00fdm
\np\u0159evodem, na \u00fa\u010dtu druh\u00e9 banky budou za p\u00e1r vte\u0159in. V\u00a0\u010cesku je tato
\nslu\u017eba obl\u00edben\u00e1, o\u00a0\u010dem\u017e sv\u011bd\u010d\u00ed i\u00a0aktu\u00e1ln\u00ed data. Podle nich jen
\nv\u00a0dubnu roku 2026\u00a0pro\u0161lo syst\u00e9mem CERTIS 40,8\u00a0milionu okam\u017eit\u00fdch plateb.
\nToto \u010d\u00edslo p\u0159edstavuje p\u0159ibli\u017en\u011b 45\u00a0procent v\u0161ech mezibankovn\u00edch
\np\u0159evod\u016f. Podle \u010cNB aktu\u00e1ln\u011b okam\u017eit\u00e9 platby vyu\u017e\u00edv\u00e1 p\u0159ibli\u017en\u011b
\n53\u00a0procent\u00a0\u010cech\u016f.<\/p>\n

Od roku 2027\u00a0se okam\u017eit\u00e9 platby roz\u0161\u00ed\u0159\u00ed tak\u00e9 na
\neura. Od 9.\u00a0ledna 2027\u00a0budou muset banky v\u00a0zem\u00edch mimo euroz\u00f3nu
\numo\u017enit okam\u017eit\u00e9 p\u0159ij\u00edm\u00e1n\u00ed eurov\u00fdch plateb. Od 9.\u00a0\u010dervence 2027\u00a0budou
\nmuset umo\u017enit tak\u00e9 jejich odes\u00edl\u00e1n\u00ed. Na\u0159\u00edzen\u00ed tak velmi usnadn\u00ed
\nb\u011b\u017en\u00e9 mezin\u00e1rodn\u00ed transakce, kdy chce nap\u0159\u00edklad \u010dlov\u011bk zaslat pen\u00edze
\np\u0159\u00edbuzn\u00e9mu na Slovensko. Za okam\u017eit\u00fd p\u0159evod v\u00a0eurech si banka nebude
\nsm\u011bt \u00fa\u010dtovat vy\u0161\u0161\u00ed poplatek ne\u017e za odpov\u00eddaj\u00edc\u00ed b\u011b\u017enou eurovou
\nplatbu.<\/p>\n

N\u011bkter\u00e9 banky u\u017e sv\u00fdm klient\u016fm mo\u017enost okam\u017eit\u00e9 eurov\u00e9
\nplatby nab\u00edzej\u00ed nyn\u00ed. Plo\u0161n\u00e9 zaveden\u00ed t\u00e9to slu\u017eby m\u016f\u017ee m\u00edt v\u00fdznam
\ni\u00a0pro budoucnost plateb u\u00a0obchodn\u00edk\u016f p\u0159i n\u00e1kupech na internetu. Podobn\u00fd
\npotenci\u00e1l vid\u00ed v\u00a0okam\u017eit\u00fdch platb\u00e1ch i\u00a0guvern\u00e9r \u010cNB Ale\u0161 Michl:
\n\u201eJednou z\u00a0mo\u017en\u00fdch budoucnost\u00ed je platit jednodu\u0161e a levn\u011b mobilem p\u0159es
\nokam\u017eit\u00e9 platby jako dnes platebn\u00ed kartou. Ale s\u00a0t\u00edm rozd\u00edlem, \u017ee by se
\nplatilo zcela bez n\u00ed, pouze skrze n\u00e1\u0161 syst\u00e9m,\u201c\u00a0uvedl.<\/p>\n","protected":false},"excerpt":{"rendered":"V\u00a0posledn\u00ed dob\u011b koluje mezi lidmi m\u00fdtus, \u017ee st\u00e1t nebo Evropsk\u00e1 unie pl\u00e1nuj\u00ed omezit \u010d\u00e1stky, kter\u00e9 si mohou lid\u00e9…\n","protected":false},"author":2,"featured_media":182761,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[1985,43,42,41,40,883,13055],"class_list":["post-182760","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cesko","tag-banky","tag-ceska-republika","tag-cesko","tag-czech-republic","tag-czechia","tag-finance","tag-zakony"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117112339647581833","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/182760","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=182760"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/182760\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/182761"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=182760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=182760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=182760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}