{"id":187025,"date":"2026-08-21T12:05:11","date_gmt":"2026-08-21T12:05:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/187025\/"},"modified":"2026-08-21T12:05:11","modified_gmt":"2026-08-21T12:05:11","slug":"penize-pod-polstarem-lide-drzi-vice-hotovosti-aniz-by-s-ni-platili","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/187025\/","title":{"rendered":"Pen\u00edze pod pol\u0161t\u00e1\u0159em. Lid\u00e9 dr\u017e\u00ed v\u00edce hotovosti, ani\u017e by s\u00a0n\u00ed platili"},"content":{"rendered":"

Objem hotovosti v\u00a0ob\u011bhu v\u00a0\u010cesku za posledn\u00edch deset\u00a0let vzrostl, a\u00a0to i\u00a0navzdory rostouc\u00edmu po\u010dtu bezhotovostn\u00edch plateb. V\u00a0roce 2025\u00a0bylo v\u00a0ob\u011bhu celkem 744,3\u00a0miliardy korun v\u00a0bankovk\u00e1ch a\u00a0minc\u00edch. To je o\u00a0t\u0159etinu v\u00edce ne\u017e v\u00a0roce 2016.<\/p>\n

Jen za prvn\u00ed \u010dtvrtlet\u00ed leto\u0161n\u00edho roku dos\u00e1hlo ob\u011b\u017eivo hodnoty 736,9\u00a0miliardy korun. V\u00a0meziro\u010dn\u00edm srovn\u00e1n\u00ed to je o\u00a020\u00a0miliard v\u00edce. Nejv\u011bt\u0161\u00ed pod\u00edl bankovek v\u00a0ob\u011bhu tvo\u0159\u00ed dvoutis\u00edcovky, kter\u00e9 tvo\u0159\u00ed 37,4\u00a0procenta celkov\u00e9ho po\u010dtu. D\u00e1le je v\u00a0ob\u011bhu nejv\u00edce jednokorun, kter\u00e9 tvo\u0159\u00ed 29,6\u00a0procenta v\u0161ech minc\u00ed.<\/p>\n

\u201eR\u016fst se d\u00e1 vysv\u011btlit t\u00edm, \u017ee i\u00a0kdy\u017e lid\u00e9 v\u00edce plat\u00ed digit\u00e1ln\u011b (karty, Google Pay, Apple Pay \u010di jin\u00e9), tak objem hotovosti v\u00a0ob\u011bhu se zvy\u0161uje s\u00a0t\u00edm, jak roste ekonomika (HDP) a\u00a0ceny v\u00a0n\u00ed. Plus tam posledn\u00ed dva roky je efekt toho, \u017ee lid\u00e9 dr\u017e\u00ed v\u00edce hotovosti jako finan\u010dn\u00ed rezervu,\u201c vysv\u011btluje mluv\u010d\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky Jaroslav Krej\u010d\u00ed. Objem hotovosti dr\u017een\u00fd jako rezerva \u010cNB odhaduje na asi 30\u00a0a\u017e 50\u00a0procent hodnoty ob\u011b\u017eiva.<\/p>\n

Objem hotovosti v\u00a0ob\u011bhu za\u010dal v\u00fdrazn\u011b r\u016fst v\u00a0roce 2020, kdy vypukla pandemie nemoci covid-19.\u00a0Lid\u00e9 tehdy v\u00a0dob\u011b nejistoty za\u010dali vyb\u00edrat hotovost ve velk\u00e9m, pova\u017eovali ji za bezpe\u010dnostn\u00ed pojistku v\u00a0mimo\u0159\u00e1dn\u00e9 situaci.<\/p>\n

<\/a><\/p>\n

Nejd\u016fle\u017eit\u011bj\u0161\u00ed funkc\u00ed hotovosti je podle pr\u016fzkumu poskytovatele p\u016fj\u010dek Provident Financial z\u00a0roku 2025\u00a0pro 62\u00a0procent \u010cech\u016f to, \u017ee slou\u017e\u00ed jako z\u00e1lo\u017en\u00ed prost\u0159edek v\u00a0dob\u011b v\u00fdpadku elekt\u0159iny, blackoutu, p\u0159i povodn\u00edch nebo kybernetick\u00fdch \u00fatoc\u00edch. Pro mladou generaci je toto hledisko nejd\u016fle\u017eit\u011bj\u0161\u00ed, pro star\u0161\u00ed ro\u010dn\u00edky je z\u00e1sadn\u011bj\u0161\u00ed finan\u010dn\u00ed svoboda a\u00a0nez\u00e1vislost na bank\u00e1ch a\u00a0technologi\u00edch.<\/p>\n

V\u00fd\u0161i hotovosti v\u00a0ob\u011bhu ovliv\u0148uje mnoho faktor\u016f. Jde nap\u0159\u00edklad o\u00a0v\u00fd\u0161i \u00farok\u016f na b\u011b\u017en\u00fdch a\u00a0spo\u0159ic\u00edch \u00fa\u010dtech nebo t\u0159eba\u00a0geopolitickou situaci. \u201eVy\u0161\u0161\u00ed \u00farokov\u00e9 sazby dr\u017een\u00ed hotovosti znev\u00fdhod\u0148uj\u00ed, proto\u017ee pen\u00edze na \u00fa\u010dtu mohou n\u00e9st \u00farok, zat\u00edmco hotovost \u017e\u00e1dn\u00fd v\u00fdnos nenese. Vy\u0161\u0161\u00ed pod\u00edl \u0161ed\u00e9 ekonomiky naopak znamen\u00e1 vy\u0161\u0161\u00ed popt\u00e1vku po ob\u011b\u017eivu. D\u016fle\u017eitou roli sehr\u00e1v\u00e1 i\u00a0m\u00edra stability finan\u010dn\u00edho sektoru nebo bezpe\u010dnost platebn\u00edch syst\u00e9m\u016f,\u201c popsal hlavn\u00ed ekonom Patria Finance Dominik Rusinko.<\/p>\n

\u201eV\u017edy, kdy\u017e se ve sv\u011bt\u011b za\u010dne n\u011bco d\u00edt (nap\u0159\u00edklad napaden\u00ed Ukrajiny Ruskem), za\u010dnou m\u00edt lid\u00e9 obavy o\u00a0sv\u00e9 vklady v\u00a0bank\u00e1ch a\u00a0sv\u00e9 \u00faspory m\u011bn\u00ed na hotovost \u010di na drah\u00e9 kovy. Je to tedy vid\u011bt i\u00a0na cen\u011b zlata,\u201c uvedl mluv\u010d\u00ed \u010cesk\u00e9 bankovn\u00ed asociace Radek \u0160al\u0161a.<\/p>\n

<\/a><\/p>\n

Nakl\u00e1d\u00e1n\u00ed s\u00a0hotovost\u00ed m\u00e1 ov\u0161em sv\u00e9 hranice. Denn\u00ed platby v\u00a0hotovosti v\u00a0\u010cesku z\u00e1kon limituje v\u00fd\u0161\u00ed 270\u00a0tis\u00edc korun. Nad tuto hranici nen\u00ed mo\u017en\u00e9 v\u00a0hotovosti platit. Od roku 2027\u00a0se tento limit ov\u0161em zm\u011bn\u00ed. Podle nov\u00fdch evropsk\u00fdch pravidel bude mo\u017en\u00e9 od nov\u00e9ho roku platit v\u00a0hotovosti jen do v\u00fd\u0161e deseti\u00a0tis\u00edc eur, v\u00a0p\u0159epo\u010dtu necel\u00fdch 250\u00a0tis\u00edc korun. D\u016fvodem je snaha omezit pran\u00ed \u0161pinav\u00fdch pen\u011bz a\u00a0da\u0148ov\u00e9 \u00faniky a\u00a0zp\u0159\u00edsnit dohled nad ob\u011bhem hotovosti. Hranice deseti\u00a0tis\u00edc eur je maxim\u00e1ln\u00ed povolen\u00e1 denn\u00ed hodnota, \u010dlensk\u00e9 st\u00e1ty Evropsk\u00e9 unie si tak mohou limit nastavit je\u0161t\u011b p\u0159\u00edsn\u011bji.<\/p>\n

Objem hotovosti roste i\u00a0v euroz\u00f3n\u011b<\/p>\n

\u201eVe st\u00e1tech euroz\u00f3ny objem hotovosti v\u00a0ob\u011bhu rovn\u011b\u017e trvale stoup\u00e1. Z\u00a0\u00fadaj\u016f ECB vypl\u00fdv\u00e1, \u017ee hodnota eurobankovek v\u00a0ob\u011bhu dos\u00e1hla na konci roku 2025\u00a0rekordn\u00ed \u00farovn\u011b 1\u00a0619\u00a0miliard eur, co\u017e p\u0159edstavuje obrovsk\u00fd n\u00e1r\u016fst oproti 221\u00a0miliard\u00e1m eur p\u0159i zaveden\u00ed hotovostn\u00edho eura v\u00a0roce 2002.\u00a0Sp\u00ed\u0161e v\u00fdjimkou v\u00a0EU jsou seversk\u00e9 zem\u011b, kde se uv\u00e1d\u00ed, \u017ee objem hotovosti v\u00a0ob\u011bhu trvale kles\u00e1,\u201c popisuje \u0160al\u0161a.<\/p>\n

Podle studie Evropsk\u00e9 centr\u00e1ln\u00ed banky Space 2024<\/a>, kter\u00e1 sledovala chov\u00e1n\u00ed z\u00e1kazn\u00edk\u016f v\u00a0kamenn\u00fdch prodejn\u00e1ch euroz\u00f3ny v\u00a0roce 2024, byla p\u0159i 52\u00a0procentech v\u0161ech plateb pou\u017eita hotovost. Nejv\u00edce z\u00e1kazn\u00edci platili bankovkami a\u00a0mincemi ni\u017e\u0161\u00ed \u010d\u00e1stky, u\u00a0\u010d\u00e1stek vy\u0161\u0161\u00edch ne\u017e\u00a050\u00a0eur volili \u010dast\u011bji bezhotovostn\u00ed placen\u00ed. Celkem 62\u00a0procent spot\u0159ebitel\u016f v\u00a0euroz\u00f3n\u011b oce\u0148uje na platb\u011b v\u00a0hotovosti anonymitu a\u00a0ochranu sv\u00e9ho soukrom\u00ed. D\u00e1vaj\u00ed j\u00ed ale p\u0159ednost i\u00a0kv\u016fli p\u0159esv\u011bd\u010den\u00ed, \u017ee si tak l\u00e9pe uv\u011bdomuj\u00ed sv\u00e9 v\u00fddaje.<\/p>\n

Nap\u0159\u00edklad v\u00a0roce 2024\u00a0tvo\u0159ily v\u00a0N\u011bmecku platby v\u00a0hotovosti podle Evropsk\u00e9 centr\u00e1ln\u00ed banky 53\u00a0procent v\u0161ech plateb. Na Slovensku dos\u00e1hly pod\u00edlu ve v\u00fd\u0161i 57\u00a0procent a\u00a0v Rakousku dokonce 62\u00a0procent v\u0161ech transakc\u00ed. Nejv\u00edce hotov\u011b platili Mal\u0165an\u00e9, u\u00a0nich\u017e pod\u00edl hotovostn\u00edch plateb tvo\u0159il celkem 67\u00a0procent v\u0161ech plateb.<\/p>\n

V \u010cesku pod\u00edl digit\u00e1ln\u00edch plateb v\u00a0\u010dase v\u00fdznamn\u011b nar\u016fst\u00e1 na \u00fakor hotovosti. \u201ePodle \u010cNB v\u00a0roce 2025\u00a0po\u010det karetn\u00edch plateb p\u0159es\u00e1hl 3,3\u00a0miliardy transakc\u00ed, meziro\u010dn\u011b jde o\u00a0v\u00edce ne\u017e desetiprocentn\u00ed n\u00e1r\u016fst. Naopak po\u010det hotovostn\u00edch v\u00fdb\u011br\u016f kartou klesl na zhruba 140\u00a0milion\u016f, oproti 158\u00a0milion\u016fm v\u00a0roce 2023,\u201c \u0159\u00edk\u00e1 Rusinko.<\/p>\n

Podle n\u011bj hotovost vy\u017eaduje n\u00e1kladnou infrastrukturu. Banky musej\u00ed zajistit provoz bankomat\u016f, dopl\u0148ov\u00e1n\u00ed hotovosti, zabezpe\u010den\u00ed, skladov\u00e1n\u00ed i\u00a0zpracov\u00e1n\u00ed bankovek a\u00a0minc\u00ed.<\/p>\n

Nap\u0159\u00edklad\u00a0Komer\u010dn\u00ed banka nevn\u00edm\u00e1 jako hlavn\u00ed trend r\u016fst objemu hotovosti, ale jej\u00ed p\u0159esun z\u00a0pobo\u010dek do bankomatov\u00e9 s\u00edt\u011b. \u201eKlienti st\u00e1le \u010dast\u011bji vyu\u017e\u00edvaj\u00ed vkladov\u00e9 bankomaty, kter\u00e9 umo\u017e\u0148uj\u00ed pohodln\u011b realizovat hotovostn\u00ed operace. V\u00fdznamnou roli p\u0159itom hraje takzvan\u00e1 recyklace bankovek. Bankomat toti\u017e dok\u00e1\u017ee po ov\u011b\u0159en\u00ed pravosti a\u00a0kvality p\u0159ijat\u00e9 bankovky znovu pou\u017e\u00edt pro v\u00fdb\u011br jin\u00e9ho klienta,\u201c komentuje mluv\u010d\u00ed Komer\u010dn\u00ed banky Lucie Leixnerov\u00e1. Bance to sni\u017euje n\u00e1klady na provoz bankomat\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"Objem hotovosti v\u00a0ob\u011bhu v\u00a0\u010cesku za posledn\u00edch deset\u00a0let vzrostl, a\u00a0to i\u00a0navzdory rostouc\u00edmu po\u010dtu bezhotovostn\u00edch plateb. V\u00a0roce 2025\u00a0bylo v\u00a0ob\u011bhu celkem…\n","protected":false},"author":2,"featured_media":187026,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[11],"tags":[7968,10635,9623,2912,22786,54,53,52],"class_list":["post-187025","post","type-post","status-publish","format-standard","has-post-thumbnail","category-svet","tag-eurozona","tag-hotovost","tag-koruna-ceska-kc","tag-platba","tag-platba-kartou","tag-svet","tag-world","tag-world-news"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117133412314740967","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/187025","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=187025"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/187025\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/187026"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=187025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=187025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=187025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}