{"id":91618,"date":"2026-05-20T12:41:15","date_gmt":"2026-05-20T12:41:15","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/91618\/"},"modified":"2026-05-20T12:41:15","modified_gmt":"2026-05-20T12:41:15","slug":"nemate-v-hotovosti-ani-korunu-ceske-banky-radi-kolik-si-nechat-doma-v-supliku","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/91618\/","title":{"rendered":"Nem\u00e1te v hotovosti ani korunu? \u010cesk\u00e9 banky rad\u00ed, kolik si nechat doma v \u0161upl\u00edku"},"content":{"rendered":"

P\u0159ed ned\u00e1vnem \u0160v\u00e9dsko, kter\u00e9 plat\u00ed za \u0161ampiona v placen\u00ed kartou a mobilem, p\u0159ekvapilo doporu\u010den\u00edm sv\u00e9\u00a0centr\u00e1ln\u00ed banky<\/a>: \u201eM\u011bjte doma hotovost.\u201c Konkr\u00e9tn\u011b alespo\u0148 tis\u00edc \u0161v\u00e9dsk\u00fdch korun na ka\u017ed\u00e9ho dosp\u011bl\u00e9ho. Pro zemi, kde hotovost z b\u011b\u017en\u00e9ho \u017eivota t\u00e9m\u011b\u0159 zmizela, je to vzkaz, \u017ee i nejmodern\u011bj\u0161\u00ed technologie maj\u00ed sv\u00e9 hranice. V dob\u011b hroz\u00edc\u00edch kyber\u00fatok\u016f a neklidn\u00e9 situace ve sv\u011bt\u011b jsou pap\u00edrov\u00e9 pen\u00edze pojistkou pro chv\u00edle, kdy digit\u00e1ln\u00ed syst\u00e9my p\u0159estanou fungovat.\u00a0<\/p>\n

V \u010cesku banky nejsou tak striktn\u00ed ohledn\u011b konkr\u00e9tn\u00edch \u010d\u00e1stek. V jednom se ale se \u0160v\u00e9dy shodnou: spol\u00e9hat se stoprocentn\u011b na to, \u017ee termin\u00e1l bude v\u017edy fungovat, se nemus\u00ed vyplatit.\u00a0<\/p>\n

(Po)hotovostn\u00ed rezerva: Kolik je \u201etak akor\u00e1t\u201c?<\/p>\n

\u010cesk\u00e9 banky se br\u00e1n\u00ed univerz\u00e1ln\u00edm tabulk\u00e1m, proto\u017ee ka\u017ed\u00e1 dom\u00e1cnost utr\u00e1c\u00ed jinak. P\u0159esto maj\u00ed o \u201e\u017eelezn\u00e9 rezerv\u011b\u201c jasnou p\u0159edstavu. Luk\u00e1\u0161 Kovanda, hlavn\u00ed ekonom Trinity Bank, pova\u017euje za rozumn\u00e9 m\u00edt doma p\u00e1r tis\u00edc korun na ka\u017ed\u00e9ho \u010dlena rodiny. \u201eNejde o ned\u016fv\u011bru v banky, ale o z\u00e1kladn\u00ed obez\u0159etnost. Pro b\u011b\u017enou rodinu m\u016f\u017ee j\u00edt o rezervu kolem deseti tis\u00edc korun na n\u011bkolik dn\u016f z\u00e1kladn\u00edho fungov\u00e1n\u00ed,\u201c vysv\u011btluje s t\u00edm, \u017ee je dobr\u00e9 m\u00edt pen\u00edze v men\u0161\u00edch bankovk\u00e1ch, aby v\u00e1m v obchod\u011b v p\u0159\u00edpad\u011b nouze m\u011bli jak vr\u00e1tit.\u00a0<\/p>\n

\u010cesk\u00e1 spo\u0159itelna<\/a>\u00a0to vid\u00ed podobn\u011b a rad\u00ed m\u00edt hotovost jako praktickou z\u00e1lohu na l\u00e9ky, j\u00eddlo nebo dopravu. \u201eHotovost d\u00e1v\u00e1 smysl jako dopln\u011bk k bezhotovostn\u00edm platb\u00e1m \u2013 t\u0159eba p\u0159i cestov\u00e1n\u00ed nebo pro p\u0159\u00edpad v\u00fdpadku elekt\u0159iny a sign\u00e1lu,\u201c \u0159\u00edk\u00e1 Hrub\u00fd.\u00a0<\/p>\n

Tiskov\u00fd mluv\u010d\u00ed Fio banky Karel Kope\u010dek k tomu dod\u00e1v\u00e1, \u017ee ide\u00e1ln\u00ed je m\u00edt u sebe tolik, kolik pokryje nezbytn\u00e9 v\u00fddaje dom\u00e1cnosti na n\u011bkolik dn\u00ed a\u017e t\u00fdden. Pot\u0159eba hotovosti se podle n\u011bj m\u016f\u017ee odv\u00edjet i od dostupnosti bankomat\u016f v m\u00edst\u011b bydli\u0161t\u011b.\u00a0<\/p>\n

Jak spravovat pohotovostn\u00ed rezervu?\u00a0Rezervu je vhodn\u00e9 dr\u017eet v bankovk\u00e1ch ni\u017e\u0161\u00edch hodnot (200 K\u010d, 500 K\u010d). V krizov\u00e9m stavu b\u00fdv\u00e1 u obchodn\u00edk\u016f probl\u00e9m s rozm\u011b\u0148ov\u00e1n\u00edm bankovek vysok\u00e9 hodnoty.\u00a0Platebn\u00ed kartu a hotovostn\u00ed rezervu je vhodn\u00e9 uchov\u00e1vat na odd\u011blen\u00fdch m\u00edstech.\u00a0Z\u00e1kon pro hotovost<\/p>\n

To, \u017ee hotovost nen\u00ed jen \u201ep\u0159e\u017eitek\u201c, potvrzuje i d\u011bn\u00ed v Bruselu. Evropsk\u00e1 unie aktu\u00e1ln\u011b \u0159e\u0161\u00ed legislativu, kter\u00e1 m\u00e1 zajistit, aby hotovost z na\u0161ich \u017eivot\u016f nezmizela a obchodn\u00edci ji d\u00e1l povinn\u011b p\u0159ij\u00edmali. C\u00edlem je, aby lid\u00e9 nebyli stoprocentn\u011b z\u00e1visl\u00ed na technologi\u00edch a aby digit\u00e1ln\u00ed sv\u011bt nikoho nevylu\u010doval.\u00a0<\/p>\n

Kde kon\u010d\u00ed obez\u0159etnost a za\u010d\u00edn\u00e1 riziko\u00a0<\/p>\n

Banky z\u00e1rove\u0148 varuj\u00ed p\u0159ed kumulac\u00ed vysok\u00fdch \u010d\u00e1stek v dom\u00e1cnostech. \u201eJakmile lid\u00e9 doma dr\u017e\u00ed vy\u0161\u0161\u00ed hotovost, zejm\u00e9na v \u0159\u00e1du des\u00edtek tis\u00edc korun a v\u00edce, zvy\u0161uje se riziko ztr\u00e1ty, kr\u00e1de\u017ee nebo znehodnocen\u00ed,\u201c upozor\u0148uje Filip Hrub\u00fd. Ojedin\u011bl\u00e9 nejsou ani p\u0159\u00edpady po\u017e\u00e1r\u016f. V\u011bt\u0161\u00ed finan\u010dn\u00ed prost\u0159edky je podle mluv\u010d\u00edho Spo\u0159itelny efektivn\u011bj\u0161\u00ed dr\u017eet na\u00a0spo\u0159ic\u00edch \u00fa\u010dtech<\/a>\u00a0s okam\u017eitou likviditou, kde jsou pen\u00edze chr\u00e1n\u011bny a \u00faro\u010deny.\u00a0<\/p>\n

Podle Kope\u010dka z Fio banky je kl\u00ed\u010dov\u00e9, aby p\u0159\u00edpadn\u00e1 ztr\u00e1ta nebo kr\u00e1de\u017e hotovostn\u00ed rezervy nep\u0159edstavovala pro klienta z\u00e1sadn\u00ed finan\u010dn\u00ed probl\u00e9m. \u201eBezpe\u010dnostn\u00ed riziko vznik\u00e1 ve chv\u00edli, kdy klient uchov\u00e1v\u00e1 doma \u010d\u00e1stky, kter\u00e9 ji\u017e p\u0159esahuj\u00ed b\u011b\u017enou provozn\u00ed pot\u0159ebu, p\u0159\u00edpadn\u011b p\u0159edstavuj\u00ed v\u00fdznamnou \u010d\u00e1st jeho majetku,\u201c dod\u00e1v\u00e1 Kope\u010dek.\u00a0<\/p>\n

Kdy se bez bankovek neobejdete?\u00a0<\/p>\n

Krom\u011b katastrofick\u00fdch sc\u00e9n\u00e1\u0159\u016f existuje \u0159ada b\u011b\u017en\u00fdch situac\u00ed, kdy banky dr\u017een\u00ed hotovosti p\u0159\u00edmo doporu\u010duj\u00ed:\u00a0<\/p>\n

p\u0159i cestov\u00e1n\u00ed do m\u00edst s hor\u0161\u00edm pokryt\u00edm sign\u00e1lem nebo s omezenou dostupnost\u00ed platebn\u00edch termin\u00e1l\u016f,\u00a0jako z\u00e1lohu pro drobn\u00e9 n\u00e1kupy na tr\u017ei\u0161t\u00edch, parkovi\u0161t\u00edch \u010di v mal\u00fdch sezonn\u00edch provozovn\u00e1ch,\u00a0p\u0159i cest\u00e1ch do zahrani\u010d\u00ed, kde nemus\u00ed b\u00fdt mo\u017enost bezhotovostn\u00edch plateb na takov\u00e9 \u00farovni jako v \u010cesku.\u00a0<\/p>\n

Zku\u0161enosti z posledn\u00edch let potvrzuj\u00ed, \u017ee \u010ce\u0161i na hotovost nezanev\u0159eli. \u201eZ\u00e1jem o dr\u017een\u00ed hotovostn\u00ed rezervy v posledn\u00edch letech roste. P\u0159isp\u011bla k tomu pandemie, v\u00e1lka na Ukrajin\u011b i obavy z kybernetick\u00fdch \u00fatok\u016f,\u201c dod\u00e1v\u00e1 Luk\u00e1\u0161 Kovanda. Nap\u0159\u00edklad po vypuknut\u00ed konfliktu na Ukrajin\u011b banky zaznamenaly skokov\u00fd n\u00e1r\u016fst v\u00fdb\u011br\u016f valut, co\u017e potvrzuje, \u017ee v dob\u00e1ch nejistoty z\u016fst\u00e1v\u00e1 fyzick\u00e9 platidlo pro ve\u0159ejnost nejhmatateln\u011bj\u0161\u00ed formou bezpe\u010d\u00ed.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"P\u0159ed ned\u00e1vnem \u0160v\u00e9dsko, kter\u00e9 plat\u00ed za \u0161ampiona v placen\u00ed kartou a mobilem, p\u0159ekvapilo doporu\u010den\u00edm sv\u00e9\u00a0centr\u00e1ln\u00ed banky: \u201eM\u011bjte doma…\n","protected":false},"author":2,"featured_media":91619,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[11611,12204,67,68,42,106,28019,25774,28020,4830,703,631],"class_list":["post-91618","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-banka","tag-blackout","tag-business","tag-byznys","tag-cesko","tag-evropa","tag-fio-banka","tag-hotove-penize","tag-karel-kopecek","tag-kradez","tag-penize","tag-svedsko"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116606958479058894","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/91618","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=91618"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/91618\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/91619"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=91618"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=91618"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=91618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}