{"id":72798,"date":"2025-12-30T17:22:18","date_gmt":"2025-12-30T17:22:18","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/72798\/"},"modified":"2025-12-30T17:22:18","modified_gmt":"2025-12-30T17:22:18","slug":"i-si-banku-perspejima-butina-reaguoti-tuctuojau-vos-keli-paspaudimai-ir-isleisite-zenkliai-daugiau","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/72798\/","title":{"rendered":"\u012e \u0161\u012f bank\u0173 persp\u0117jim\u0105 b\u016btina reaguoti tu\u010dtuojau: vos keli paspaudimai ir i\u0161leisite \u017eenkliai daugiau"},"content":{"rendered":"

Kelioni\u0173 metu da\u017enai galvojame apie mar\u0161rutus, nakvyn\u0119 ar lagamino turin\u012f, bet retas kuris rimtai susim\u0105sto apie tai, kokia valiuta atsiskaityti kortele. Ir vis d\u0117lto, b\u016btent \u010dia slypi da\u017ena, brangiai kainuojanti klaida, atsiskaitymas ne vietine, o eur\u0173 valiuta.\u00a0<\/p>\n

Bank\u0173 atstovai \u012fsp\u0117ja, kad nors kortel\u0117s leid\u017eia jaustis patogiai ir saugiai, netinkamai pasirinkta valiuta mok\u0117jimo metu gali gerokai padidinti bendr\u0105 i\u0161laid\u0173 sum\u0105. Tomas, da\u017enai vykstantis \u012f Lenkij\u0105 apsipirkti, pasakojo, kad neseniai sodinuk\u0173 turgelyje pasirinko atsiskaityti eurais, nors kortel\u0117s skaitytuvas si\u016bl\u0117 zlotus.\u00a0<\/p>\n

Pardav\u0117ja dar band\u0117 persp\u0117ti, bet Tomas, kaip pats sako, \u201ei\u0161 \u012fpro\u010dio\u201c pasirinko eurus. Tik v\u0117liau jis suprato, kad taip elgdamasis nuolat permok\u0117davo, nes prekybininko taikomas valiutos keitimo kursas buvo \u017eymiai nepalankesnis nei jo banko si\u016blomas.<\/p>\n

Kur slypi skirtumas?<\/p>\n

\"\"\/<\/p>\n

Bank\u0173 atstovai ai\u0161kina, kad tokiais atvejais prekybininkas da\u017enai taiko vadinam\u0105j\u0105 dinamin\u0119 valiutos konversij\u0105, kai eurais mokantis klientas patenka \u012f sistem\u0105, kurioje valiutos keitimo s\u0105lygas nustato ne bankas, o pats prekybininkas.\u00a0<\/p>\n

Tai ypa\u010d da\u017enai pasitaiko turistin\u0117se vietose, kur prekeiviai taiko savo kursus, kartais net 4\u20138 proc. didesnius nei bank\u0173. Tuo tarpu mokant vietine valiuta, pavyzd\u017eiui, zlotais, kronomis ar kita, valiutos keitimas vyksta per kliento bank\u0105, kuris taiko ai\u0161ki\u0105, skaidri\u0105 sistem\u0105.\u00a0<\/p>\n

Kai kuriais atvejais mokestis siekia 2 proc., kitais \u2013 2,75 proc., priklausomai nuo banko, kortel\u0117s tipo ir valiutos operatoriaus. Pavyzd\u017eiui, su kredito kortel\u0117mis gali b\u016bti taikomi ma\u017eesni mokes\u010diai nei su debeto kortel\u0117mis, ta\u010diau bendras principas i\u0161lieka tas pats, pasirinkus atsiskaitym\u0105 vietine valiuta, da\u017eniausiai mokama ma\u017eiau.<\/p>\n

\"\"\/<\/p>\n

Visgi daug \u017emoni\u0173 klysta manydami, kad atsiskaitymas eurais yra saugesnis ar universalesnis. Tai klaidingas \u012fsitikinimas, kur\u012f, pasak bank\u0173, kai kurie prekybininkai s\u0105moningai i\u0161naudoja. Klientas spaud\u017eia \u201eEUR\u201c, manydamas, kad elgiasi teisingai, o i\u0161 ties\u0173 leid\u017eia u\u017edirbti daugiau tiems, kurie nustato nepalankesn\u012f keitimo kurs\u0105.<\/p>\n

K\u0105 daryti, kad nepermok\u0117tum\u0117te?<\/p>\n

Mok\u0117jim\u0173 sprendim\u0173 specialistai pabr\u0117\u017eia, kad prie\u0161 patvirtinant mok\u0117jim\u0105 kortele, b\u016btina \u012fd\u0117miai per\u017ei\u016br\u0117ti pasi\u016blym\u0105 ekrane. Jei ten nurodomas valiutos keitimo mokestis yra didesnis nei 2 proc., labai tik\u0117tina, kad tai n\u0117ra palankus sprendimas klientui.\u00a0<\/p>\n

Tokiu atveju naudinga rinktis vietin\u0119 valiut\u0105 ir leisti konversij\u0105 atlikti bankui, su kuriuo esate sudar\u0119 kortel\u0117s sutart\u012f.<\/p>\n

\"\"\/<\/p>\n

\u0160iuo metu Lietuvoje dauguma bank\u0173 u\u017e valiutos konvertavim\u0105 taiko nuo 2 iki 2,75 proc. mokest\u012f. Tai yra palyginti stabilus, ai\u0161kus tarifas, kur\u012f da\u017enai galima rasti kortel\u0117s naudojimo s\u0105lygose ar banko internetin\u0117je bankininkyst\u0117je.\u00a0<\/p>\n

Tuo tarpu u\u017esienio prekybinink\u0173 nustatyti mokes\u010diai da\u017enai lieka nematomi iki paskutin\u0117s sekund\u0117s, o kai kada net ir nepateikiami ai\u0161kiai. D\u0117l to \u017emon\u0117s gr\u012f\u017e\u0119 i\u0161 kelion\u0117s pastebi didesnes nei tik\u0117tasi s\u0105skaitas.<\/p>\n

Situacij\u0105 dar paa\u0161trina tai, kad \u0161iuo metu pastebimai did\u0117ja keliautoj\u0173 srautai. Lietuvos oro uost\u0173 duomenimis, vien per \u0161i\u0173 met\u0173 baland\u012f keleivi\u0173 skai\u010dius i\u0161augo daugiau nei de\u0161imtadaliu, palyginti su tuo pa\u010diu laikotarpiu pernai.\u00a0<\/p>\n

\"\"\/<\/p>\n

Kuo daugiau kelioni\u0173 \u2013 tuo da\u017eniau susiduriama su valiut\u0173 keitimo klausimais, tod\u0117l \u0161is niuansas tampa vis aktualesnis.<\/p>\n

Paprastas patarimas visiems \u2013 jeigu keliaujate \u012f \u0161al\u012f, kurioje naudojama kita valiuta nei euras, visuomet rinkit\u0117s atsiskaitym\u0105 ta valiuta, kuri galioja toje \u0161alyje. Tokiu b\u016bdu galite i\u0161vengti papildom\u0173, da\u017enai nematom\u0173 mokes\u010di\u0173.<\/p>\n

Ir nepamir\u0161kite, jei pasirinksite netinkam\u0105 valiut\u0105, permok\u0117site ne vien\u0105, o kelis kartus per kelion\u0119. Tai gali sudaryti nemenk\u0105 sum\u0105, kuri\u0105 tikrai gal\u0117tum\u0117te panaudoti prasmingiau.<\/p>\n","protected":false},"excerpt":{"rendered":"Kelioni\u0173 metu da\u017enai galvojame apie mar\u0161rutus, nakvyn\u0119 ar lagamino turin\u012f, bet retas kuris rimtai susim\u0105sto apie tai, kokia…\n","protected":false},"author":2,"featured_media":26058,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[25,872,30,31,3156,854,34,35,24,16173,16171,32,33,37,39,36,38,40,23,22,16172,3093,28,29,3155,1622,26,27,2874,2298],"class_list":{"0":"post-72798","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lietuva","8":"tag-antrastes","9":"tag-banku","10":"tag-breaking-news","11":"tag-breakingnews","12":"tag-butina","13":"tag-daugiau","14":"tag-featured-news","15":"tag-featurednews","16":"tag-headlines","17":"tag-isleisite","18":"tag-keli","19":"tag-latest-news","20":"tag-latestnews","21":"tag-lietuva","22":"tag-lietuviu","23":"tag-lithuania","24":"tag-lithuanian","25":"tag-lt","26":"tag-naujienos","27":"tag-news","28":"tag-paspaudimai","29":"tag-perspejima","30":"tag-populiariausios-naujienos","31":"tag-populiariausiosnaujienos","32":"tag-reaguoti","33":"tag-si","34":"tag-top-stories","35":"tag-topstories","36":"tag-tuctuojau","37":"tag-zenkliai"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lt\/115809677663598589","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/72798","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/comments?post=72798"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/72798\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/26058"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=72798"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=72798"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=72798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}