![\"\"](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/07\/bankomat-2.jpg\")
Zdroj: Freepik<\/p>\nMnoh\u00ed Slov\u00e1ci zost\u00e1vaj\u00fa v drahej alebo nevyhovuj\u00facej banke len preto, \u017ee sa ob\u00e1vaj\u00fa zd\u013ahav\u00e9ho pres\u00favania \u00fa\u010dtu. Predstava nov\u00fdch trval\u00fdch pr\u00edkazov, ink\u00e1s a oznamovania \u010d\u00edsla \u00fa\u010dtu zamestn\u00e1vate\u013eovi ich od zmeny jednoducho odrad\u00ed. V\u00e4\u010d\u0161inu t\u00fdchto povinnost\u00ed v\u0161ak u\u017e m\u00f4\u017ee vybavi\u0165 nov\u00e1 banka.<\/p>\n
Na Slovensku toti\u017e od 1. j\u00fala 2025 plat\u00ed legislat\u00edvna \u00faprava, ktor\u00e1 umo\u017e\u0148uje poda\u0165 \u017eiados\u0165 o presun platobn\u00e9ho \u00fa\u010dtu elektronicky. Ak to nov\u00e1 banka technicky podporuje, klient nemus\u00ed kv\u00f4li odchodu od konkurencie nav\u0161t\u00edvi\u0165 pobo\u010dku. \u017diados\u0165 m\u00f4\u017ee potvrdi\u0165 rovnak\u00fdm sp\u00f4sobom, ak\u00fd be\u017ene pou\u017e\u00edva v elektronickom bankovn\u00edctve.<\/p>\n
\u017diados\u0165 pod\u00e1vate v novej banke<\/p>\n
Presun neza\u010d\u00ednate v banke, z ktorej odch\u00e1dzate, ale v tej, ku ktorej chcete prejs\u0165. Pr\u00e1ve prij\u00edmaj\u00faca banka n\u00e1sledne komunikuje s p\u00f4vodnou bankou a zabezpe\u010d\u00ed jednotliv\u00e9 kroky.<\/p>\n
Elektronick\u00e9 podanie umo\u017enila zmena \u00a7 44d z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch. Dostupnos\u0165 v\u0161ak z\u00e1vis\u00ed od konkr\u00e9tnej banky. Napr\u00edklad Slovensk\u00e1 sporite\u013e\u0148a umo\u017e\u0148uje o presun po\u017eiada\u0165 priamo v Georgeovi. Ak mo\u017enos\u0165 v aplik\u00e1cii alebo internet bankingu nen\u00e1jdete, treba sa informova\u0165 v novej banke. Osobn\u00e9 podanie na pobo\u010dke zost\u00e1va dostupn\u00e9 na\u010falej.<\/p>\n
\u010co v\u0161etko m\u00f4\u017ee banka presun\u00fa\u0165?<\/p>\n
V \u017eiadosti si klient ur\u010d\u00ed, ktor\u00e9 slu\u017eby chce previes\u0165. Nov\u00e1 banka m\u00f4\u017ee zriadi\u0165 trval\u00e9 pr\u00edkazy a inkas\u00e1, zabezpe\u010di\u0165 prevod zostatku a po uplynut\u00ed v\u00fdpovednej lehoty po\u017eiada\u0165 o zru\u0161enie p\u00f4vodn\u00e9ho \u00fa\u010dtu.<\/p>\n
So s\u00fahlasom klienta m\u00f4\u017ee informova\u0165 aj zamestn\u00e1vate\u013ea alebo in\u00fdch platite\u013eov o novom IBAN-e. Rovnako dok\u00e1\u017ee ozn\u00e1mi\u0165 nov\u00e9 \u00fadaje telekomunika\u010dn\u00e9mu oper\u00e1torovi, dod\u00e1vate\u013eovi elektriny, pois\u0165ovni \u010di \u010fal\u0161\u00edm spolo\u010dnostiam, ktor\u00e9 si platby s\u0165ahuj\u00fa inkasom.<\/p>\n
Zdroj: Freepik<\/p>\n
Presun platobn\u00e9ho \u00fa\u010dtu je bezplatn\u00fd a banky si potrebn\u00fa dokument\u00e1ciu vymie\u0148aj\u00fa medzi sebou. Klient z\u00e1rove\u0148 ur\u010d\u00ed d\u00e1tum, od ktor\u00e9ho sa maj\u00fa platby vykon\u00e1va\u0165 z nov\u00e9ho \u00fa\u010dtu. \u0160tandardne m\u00f4\u017ee \u00eds\u0165 najsk\u00f4r o 20 pracovn\u00fdch dn\u00ed od prijatia \u00faplnej \u017eiadosti, pokia\u013e sa s bankou nedohodne inak.<\/p>\n
Nie v\u0161etko sa prenesie automaticky<\/p>\n
Presun funguje len medzi \u00fa\u010dtami veden\u00fdmi v rovnakej mene. Pri be\u017en\u00fdch eurov\u00fdch \u00fa\u010dtoch to spravidla nepredstavuje probl\u00e9m. Star\u00e1 banka v\u0161ak nemus\u00ed \u00fa\u010det zru\u0161i\u0165, ak je na \u0148om dlh, povolen\u00e9 pre\u010derpanie alebo in\u00fd nesplnen\u00fd z\u00e1v\u00e4zok.<\/p>\n
Automaticky sa neprenes\u00fa ani predplatn\u00e9 platen\u00e9 kartou, napr\u00edklad Netflix, Spotify alebo cloudov\u00e9 \u00falo\u017eisko. Klient dostane v novej banke in\u00fa platobn\u00fa kartu a jej \u00fadaje mus\u00ed pri t\u00fdchto slu\u017eb\u00e1ch zmeni\u0165 ru\u010dne. Samostatne treba rie\u0161i\u0165 aj \u00favery, sporenie, invest\u00edcie \u010di kreditn\u00e9 karty.<\/p>\n
Pred zmenou sa preto oplat\u00ed skontrolova\u0165 v\u00fdpis zo star\u00e9ho \u00fa\u010dtu a sp\u00edsa\u0165 si v\u0161etky pravideln\u00e9 platby. Samotn\u00e9 trval\u00e9 pr\u00edkazy a inkas\u00e1 u\u017e m\u00f4\u017ee vyrie\u0161i\u0165 banka, no platby kartou sa na v\u00fdpise zobrazuj\u00fa ako be\u017en\u00e9 transakcie.<\/p>\n
Nov\u00e9 pravidl\u00e1 odstra\u0148uj\u00fa jednu z najv\u00e4\u010d\u0161\u00edch prek\u00e1\u017eok pri h\u013eadan\u00ed v\u00fdhodnej\u0161ieho \u00fa\u010dtu. Slov\u00e1ci pritom v niektor\u00fdch pr\u00edpadoch m\u00f4\u017eu z\u00edska\u0165 bankov\u00fd \u00fa\u010det \u00faplne zadarmo<\/a>. Ak s\u00fa\u010dasn\u00e1 banka zdra\u017euje alebo neposkytuje potrebn\u00e9 slu\u017eby, administrat\u00edva u\u017e nie je d\u00f4vodom, pre\u010do v nej mus\u00edte zosta\u0165. <\/p>\n","protected":false},"excerpt":{"rendered":"Mnoh\u00ed Slov\u00e1ci zost\u00e1vaj\u00fa v drahej alebo nevyhovuj\u00facej banke len preto, \u017ee sa ob\u00e1vaj\u00fa zd\u013ahav\u00e9ho pres\u00favania \u00fa\u010dtu. Predstava nov\u00fdch…\n","protected":false},"author":2,"featured_media":123994,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[11],"tags":[3423,64,65,66,43,40,39,42,41,5277],"class_list":["post-123993","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomika","tag-banka","tag-business","tag-economic","tag-ekonomika","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko","tag-zakon"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116918271987402717","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/123993","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=123993"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/123993\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/123994"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=123993"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=123993"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=123993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}