{"id":101458,"date":"2026-01-11T22:36:19","date_gmt":"2026-01-11T22:36:19","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/101458\/"},"modified":"2026-01-11T22:36:19","modified_gmt":"2026-01-11T22:36:19","slug":"banku-parstavji-publice-iemeslus-kadel-2026-gada-jusu-maksajums-var-tikt-nodots-izskatisanai-vai-vispar-pat-atcelts","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/101458\/","title":{"rendered":"Banku p\u0101rst\u0101vji public\u0113 iemeslus k\u0101d\u0113\u013c 2026. gad\u0101 j\u016bsu maks\u0101jums var tikt nodots izskat\u012b\u0161anai vai visp\u0101r pat atcelts"},"content":{"rendered":"

\"\"<\/p>\n

(labots)<\/p>\n

Satura izv\u0113le maks\u0101juma uzdevuma sada\u013c\u0101 \u201cM\u0113r\u0137is\u201d nav tikai formalit\u0101te \u2013 t\u0101 var tie\u0161\u0101 veid\u0101 ietekm\u0113t to, cik \u0101tri nauda non\u0101ks pie sa\u0146\u0113m\u0113ja. Nep\u0101rdom\u0101ts teksts var izrais\u012bt dar\u012bjuma aptur\u0113\u0161anu vai pat piln\u012bgu anul\u0113\u0161anu. <\/p>\n

Sadarb\u012bb\u0101 ar banku nozares ekspertiem apl\u016bkojam b\u016btisk\u0101kos priek\u0161noteikumus korektai maks\u0101jumu aizpild\u012b\u0161anai, lai pasarg\u0101tu sevi no liek\u0101m klapat\u0101m un bankas kontroles dienestu pastiprin\u0101tas uzman\u012bbas.<\/p>\n

Galvenie secin\u0101jumi: k\u0101p\u0113c tas ir svar\u012bgi?<\/p>\n

Maks\u0101juma m\u0113r\u0137is kalpo k\u0101 paskaidrojo\u0161s dokuments, kas \u013cauj finan\u0161u iest\u0101dei un l\u012bdzek\u013cu sa\u0146\u0113m\u0113jam g\u016bt priek\u0161statu par naudas pl\u016bsmas ekonomisko pamatojumu. M\u016bsdienu \u0123eopolitiskaj\u0101 situ\u0101cij\u0101 \u0161\u012b inform\u0101cija tiek stingri uzraudz\u012bta valsts dro\u0161\u012bbas un kr\u0101pniec\u012bbas apkaro\u0161anas nol\u016bkos, stingri iev\u0113rojot starptautisko \u201czini savu klientu\u201d (Know Your Customer) praksi.<\/p>\n

\"\u201cBiezu\u201d<\/a>\u0160obr\u012bd citi lasa\u201cBiezu\u201d d\u0113stu nosl\u0113pums ir vienk\u0101r\u0161s: k\u0101p\u0113c pie loga janv\u0101r\u012b j\u0101novieto p\u0101rtikas folija<\/a><\/p>\n

J\u0101atceras, ka v\u0113sturisk\u0101 maks\u0101jumu inform\u0101cija nav konfidenci\u0101la attiec\u012bb\u0101 pret valsts iest\u0101d\u0113m \u2013 t\u0101 var tikt izmantota k\u0101 pier\u0101d\u012bjums nodok\u013cu auditos, tiesved\u012bb\u0101s, civiltiesiskos str\u012bdos vai br\u012b\u017eos, kad klients piesak\u0101s hipotek\u0101rajam kred\u012btam vai citam aizdevumam.<\/p>\n

Aizpildot p\u0101rskait\u012bjumu, ir j\u0101izvair\u0101s no personas kodu nor\u0101d\u012b\u0161anas (ja vien tas nav oblig\u0101ts r\u0113\u0137ina rekviz\u012bts) un nek\u0101d\u0101 gad\u012bjum\u0101 nedr\u012bkst atkl\u0101t piek\u013cuves paroles vai citus datus, ko var\u0113tu izmantot kr\u0101pnieki. Ja bankas automatiz\u0113tie filtri pamana aizdom\u012bgus v\u0101rdus, dar\u012bjums autom\u0101tiski non\u0101k \u201csarkanaj\u0101 zon\u0101\u201d papildu izp\u0113tei.<\/p>\n

Finan\u0161u dro\u0161\u012bba un klienta izp\u0113tes procesi
\"\"<\/p>\n

Latvijas Bankas speci\u0101listi uzsver, ka finan\u0161u iest\u0101d\u0113m ir likumisks pien\u0101kums p\u0101rzin\u0101t savu klientu paradumus un dar\u012bjumu raksturu. Tas noz\u012bm\u0113, ka bankai ir skaidri j\u0101redz, k\u0101du iemeslu d\u0113\u013c klients veic p\u0101rskait\u012bjumus un vai \u0161\u012bm darb\u012bb\u0101m ir lo\u0123iska saikne ar klienta ien\u0101kumiem. Da\u017ek\u0101rt bankai pat n\u0101kas l\u016bgt dokument\u0101rus pier\u0101d\u012bjumus par naudas leg\u0101lo izcelsmi.<\/p>\n

\u0160\u012bs pras\u012bbas nav banku iek\u0161\u0113ja iegriba, bet gan stingrs regul\u0113jums, kas izriet no Eiropas Savien\u012bbas direkt\u012bv\u0101m un Latvijas Republikas likumdo\u0161anas. To m\u0113r\u0137is ir nepie\u013caut net\u012bras naudas legaliz\u0113\u0161anu vai terorisma un prolifer\u0101cijas (masu izn\u012bcin\u0101\u0161anas iero\u010du izplat\u012b\u0161anas) finans\u0113\u0161anu. Katrs maks\u0101juma m\u0113r\u0137is ir da\u013ca no \u0161\u012bs glob\u0101l\u0101s dro\u0161\u012bbas sist\u0113mas.<\/p>\n

\"N\u0101ksies<\/a>\u0160obr\u012bd citi lasaN\u0101ksies skaidroties bank\u0101: viena neapdom\u012bga fr\u0101ze maks\u0101juma m\u0113r\u0137\u012b var iesald\u0113t j\u016bsu kontu<\/a>
\nK\u0101p\u0113c humors maks\u0101jumos var d\u0101rgi izmaks\u0101t?<\/p>\n

Bankas \u201cCitadele\u201d p\u0101rst\u0101ve Agnese \u0160terna br\u012bdina, ka digit\u0101lie maks\u0101jumi nav piem\u0113rota vieta jokiem, \u012bpa\u0161i, ja tie skar sensit\u012bvas vai ar likumu aizliegtas t\u0113mas. T\u0101pat ieteicams lieki nenor\u0101d\u012bt personas kodus, lai mazin\u0101tu risku k\u013c\u016bt par identit\u0101tes z\u0101dz\u012bbas upuri.<\/p>\n

Kategoriski aizliegts m\u0113r\u0137\u012b rakst\u012bt paroles vai citus datus, kas dom\u0101ti tikai klienta zin\u0101\u0161anai. Tikm\u0113r \u201cLuminor\u201d eksperte Baiba T\u0113ti\u0146a atg\u0101dina, ka maks\u0101juma inform\u0101ciju redz bankas speci\u0101listi, t\u0101d\u0113\u013c to nevajadz\u0113tu izmantot priv\u0101tai \u010dato\u0161anai vai aspr\u0101t\u012bbu demonstr\u0113\u0161anai.<\/p>\n

Praks\u0113 joproj\u0101m sastopami gad\u012bjumi, kad cilv\u0113ki joka p\u0113c ieraksta fr\u0101zes k\u0101 \u201cPar iero\u010diem\u201d, \u201cSamaksa par nieri\u201d vai \u201cKukulis m\u0113ram\u201d. Pat ja abas puses saprot joku, bankas sist\u0113mai nav humora izj\u016btas \u2013 t\u0101 rea\u0123\u0113 uz atsl\u0113gv\u0101rdiem, un \u0161\u0101ds dar\u012bjums tiks aptur\u0113ts, bet klients var tikt uzaicin\u0101ts uz \u013coti nopietnu sarunu.<\/p>\n

\"K\u0101p\u0113c<\/a>\u0160obr\u012bd citi lasaK\u0101p\u0113c berz\u0113t rokas pie \u016bdens kr\u0101na un uzvilkt ze\u0137es uz apavu zol\u012bt\u0113m; 9 interesanti ieteikumi<\/a><\/p>\n

L\u012bdz\u012bga situ\u0101cija ir ar\u012b \u201cSwedbank\u201d \u2013 rado\u0161ums var beigties ar aizkav\u0113tu maks\u0101jumu. Pat nevain\u012bgs nor\u0101d\u012bjums par koncerta bi\u013cet\u0113m grupai \u201cGuns N\u2019 Roses\u201d var tikt blo\u0137\u0113ts, jo sist\u0113ma identific\u0113 v\u0101rdu \u201cguns\u201d (iero\u010di) un nekav\u0113joties iedarbina dro\u0161\u012bbas algoritmus.<\/p>\n

Meh\u0101nismi aizdom\u012bgu dar\u012bjumu kontrolei
\"\"<\/p>\n

Tikl\u012bdz uzraudz\u012bbas r\u012bki fiks\u0113 riska indikatoru, maks\u0101jums tiek \u201ciesald\u0113ts\u201d manu\u0101lai p\u0101rbaudei. \u0160\u0101d\u0101 situ\u0101cij\u0101 banka parasti sazin\u0101s ar klientu, l\u016bdzot paskaidrot dar\u012bjuma b\u016bt\u012bbu vai iesniegt pamatojo\u0161us dokumentus (r\u0113\u0137inus, l\u012bgumus).<\/p>\n

Bie\u017ei gad\u0101s, ka maks\u0101jums aizkav\u0113jas sakrit\u012bbas d\u0113\u013c \u2013 piem\u0113ram, ja maks\u0101juma m\u0113r\u0137\u012b min\u0113ts uz\u0146\u0113muma vai vietas nosaukums, kas sakr\u012bt ar k\u0101du personu vai firmu starptautiskajos sankciju sarakstos. Maks\u0101jumu iest\u0101d\u0113m ir dzel\u017eains pien\u0101kums atteikt dar\u012bjumu, ja past\u0101v kaut maz\u0101k\u0101s aizdomas par sankciju apie\u0161anu.<\/p>\n

Lasi v\u0113l: VID skaidro, kad par d\u0101vin\u0101jumu vai naudas p\u0101rskait\u012bjumu virs 1425 eiro ir j\u0101maks\u0101 nodoklis<\/a><\/p>\n

Bankas \u201cLuminor\u201d p\u0101rst\u0101ve mierina, ka dar\u012bjuma aiztur\u0113\u0161ana v\u0113l nenoz\u012bm\u0113 sodu \u2013 t\u0101 ir standarta proced\u016bra. Svar\u012bgi ir laic\u012bgi atbild\u0113t uz bankas jaut\u0101jumiem, jo tie\u0161a komunik\u0101cija pal\u012bdz \u0101tri klied\u0113t p\u0101rpratumus un atblo\u0137\u0113t naudas pl\u016bsmu.<\/p>\n

Zelta likumi: ko rakst\u012bt maks\u0101juma m\u0113r\u0137\u012b?
\"\"<\/p>\n

\"K\u0101p\u0113c<\/a>\u0160obr\u012bd citi lasaK\u0101p\u0113c uz tualetes pap\u012bra liet eti\u0137i \u2013 padomi, kas main\u012bs tavus ikdienas uzskatus par saimnieciskam liet\u0101m<\/a><\/p>\n

Eksperti iesaka pietur\u0113ties pie neitr\u0101las un lieti\u0161\u0137as valodas. Lab\u0101kie piem\u0113ri skaidram m\u0113r\u0137im ir:<\/p>\n

\u201cR\u0113\u0137ina apmaksa Nr. 123\u201d,<\/p>\n

\u201cPar sniegtaj\u0101m konsult\u0101cij\u0101m\u201d,<\/p>\n

\u201cAizdevuma da\u013c\u0113ja atmaksa saska\u0146\u0101 ar vieno\u0161anos\u201d,<\/p>\n

\u201cL\u012bdzek\u013ci ikdienas t\u0113ri\u0146iem\/p\u0101rtikai\u201d.<\/p>\n

Izvairieties no p\u0101rlieku nekonkr\u0113t\u0101m fr\u0101z\u0113m
Lai gan v\u0101rdi \u201cd\u0101vana\u201d, \u201cp\u0101rskait\u012bjums\u201d vai \u201cziedojums\u201d nav aizliegti, tie bankas sist\u0113m\u0101m neko nepasaka par naudas m\u0113r\u0137i. Ja summa ir liela, \u0161\u0101da neskaidr\u012bba var rad\u012bt jaut\u0101jumus par nodok\u013cu nomaksu vai l\u012bdzek\u013cu izcelsmi. Jo prec\u012bz\u0101ks b\u016bs apraksts, jo maz\u0101ka iesp\u0113ja, ka dar\u012bjums tiks atlas\u012bts papildu kontrolei.<\/p>\n

Eksperte Agnese \u0160terna piebilst: ja veicat nelielus p\u0101rskait\u012bjumus starp \u0123imenes locek\u013ciem, visp\u0101r\u012bgi apraksti ir pie\u0146emami, ta\u010du pie noz\u012bm\u012bgiem dar\u012bjumiem vienm\u0113r ieteicams pievienot \u012bsu, bet saturisku pamatojumu.<\/p>\n","protected":false},"excerpt":{"rendered":"(labots) Satura izv\u0113le maks\u0101juma uzdevuma sada\u013c\u0101 \u201cM\u0113r\u0137is\u201d nav tikai formalit\u0101te \u2013 t\u0101 var tie\u0161\u0101 veid\u0101 ietekm\u0113t to, cik…\n","protected":false},"author":2,"featured_media":101459,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,32,33,22,30,31,35,39,38,36,37,34,40,20,26,27,24,25,21],"class_list":{"0":"post-101458","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-featured-news","12":"tag-featurednews","13":"tag-headlines","14":"tag-latest-news","15":"tag-latestnews","16":"tag-latvia","17":"tag-latvian","18":"tag-latviesu","19":"tag-latviesu-valoda","20":"tag-latviesuvaloda","21":"tag-latvija","22":"tag-lv","23":"tag-news","24":"tag-popularakas-zinas","25":"tag-popularakaszinas","26":"tag-top-stories","27":"tag-topstories","28":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115878860066810971","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/101458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=101458"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/101458\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/101459"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=101458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=101458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=101458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}