{"id":48124,"date":"2026-04-19T09:18:51","date_gmt":"2026-04-19T09:18:51","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/48124\/"},"modified":"2026-04-19T09:18:51","modified_gmt":"2026-04-19T09:18:51","slug":"narodna-banka-slovenska-udelila-pokutu-unicredit-bank","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/48124\/","title":{"rendered":"N\u00e1rodn\u00e1 banka Slovenska udelila pokutu UniCredit Bank"},"content":{"rendered":"

N\u00e1rodn\u00e1 banka Slovenska pr\u00e1voplatne potvrdila sankciu pre UniCredit Bank Czech Republic and Slovakia za poru\u0161enie pravidiel ochrany finan\u010dn\u00fdch spotrebite\u013eov. Bankov\u00e1 rada NBS<\/a> v druhostup\u0148ovom rozhodnut\u00ed ulo\u017eila banke \u00fahrnn\u00fa pokutu vo v\u00fd\u0161ke 35-tis\u00edc eur. Pr\u00edpad sa t\u00fdka viacer\u00fdch prakt\u00edk pri spotrebite\u013esk\u00fdch \u00faveroch a \u00faveroch na b\u00fdvanie<\/a>, ktor\u00e9 banka pou\u017e\u00edvala v rokoch 2016 a\u017e 2020.<\/p>\n

Rozhodnutie sa opiera o zistenia doh\u013eadu nad finan\u010dn\u00fdm trhom, pod\u013ea ktor\u00fdch si banka v zmluvn\u00fdch podmienkach nastavila n\u00e1roky nad r\u00e1mec z\u00e1kona. I\u0161lo pritom o ustanovenia, ktor\u00e9 mohli klientom zvy\u0161ova\u0165 n\u00e1klady v situ\u00e1ci\u00e1ch, ke\u010f sa rozhodli od \u00faverovej zmluvy odst\u00fapi\u0165 alebo \u00faver splati\u0165 pred\u010dasne.<\/p>\n

NBS kritizuje poplatky pri odst\u00fapen\u00ed od \u00faveru<\/p>\n

Jedn\u00fdm z hlavn\u00fdch zisten\u00ed doh\u013eadu bolo \u00fa\u010dtovanie poplatku za poskytnutie \u00faveru<\/a> aj v pr\u00edpade, ak klient od zmluvy o spotrebite\u013eskom \u00favere odst\u00fapil v z\u00e1konnej 14-d\u0148ovej lehote. Pod\u013ea N\u00e1rodnej banky Slovenska tak\u00fdto postup prekra\u010doval z\u00e1konn\u00e9 limity a bol v rozpore s pr\u00e1vami spotrebite\u013ea.<\/p>\n

V praxi to znamenalo, \u017ee klienti s\u00edce vyu\u017eili z\u00e1konn\u00e9 pr\u00e1vo odst\u00fapi\u0165 od zmluvy, no banka od nich napriek tomu \u017eiadala \u00fahradu n\u00e1kladov, ktor\u00e9 pod\u013ea regul\u00e1tora nemala po\u017eadova\u0165 v plnom rozsahu. Zmluvn\u00e9 nastavenie tak pod\u013ea doh\u013eadu znev\u00fdhod\u0148ovalo spotrebite\u013ea.<\/p>\n

Sporn\u00e9 boli aj podmienky pri pred\u010dasnom splaten\u00ed \u00faveru<\/p>\n

\u010eal\u0161ia \u010das\u0165 rozhodnutia sa t\u00fdka pred\u010dasn\u00e9ho splatenia \u00faverov. NBS dospela k z\u00e1veru, \u017ee banka aj v t\u00fdchto pr\u00edpadoch po\u017eadovala \u00fahradu poplatku za poskytnutie \u00faveru v plnej v\u00fd\u0161ke, bez oh\u013eadu na to, \u017ee klient splatil \u00faver sk\u00f4r. Spotrebite\u013e tak pod\u013ea doh\u013eadu nemal mo\u017enos\u0165 z\u00edska\u0165 primeran\u00e9 zn\u00ed\u017eenie celkov\u00fdch n\u00e1kladov \u00faveru.<\/p>\n

Regul\u00e1tor z\u00e1rove\u0148 identifikoval problematick\u00fd postup pri poisten\u00ed schopnosti spl\u00e1ca\u0165 \u00faver. UniCredit Bank si \u00fa\u010dtovala poplatok za spracovanie \u017eiadosti o pred\u010dasn\u00e9 ukon\u010denie poistenia, a to aj v situ\u00e1ci\u00e1ch, ke\u010f klient \u00faver pred\u010dasne splatil. Pod\u013ea NBS tak\u00fdto poplatok nepredstavoval \u00fa\u010delne vynalo\u017een\u00fd n\u00e1klad priamo s\u00favisiaci s pred\u010dasn\u00fdm splaten\u00edm \u00faveru.<\/p>\n

Aj tento postup preto doh\u013ead vyhodnotil ako neopr\u00e1vnen\u00e9 zv\u00fd\u0161enie n\u00e1kladov klienta, uv\u00e1dza port\u00e1l Peniaze<\/a>.<\/p>\n

Rovnak\u00e9 praktiky sa t\u00fdkali aj hypot\u00e9k<\/p>\n

NBS upozornila, \u017ee rovnak\u00e9 alebo podobn\u00e9 zmluvn\u00e9 podmienky banka pou\u017e\u00edvala aj pri \u00faveroch na b\u00fdvanie. Aj pri hypot\u00e9kach si pod\u013ea zisten\u00ed doh\u013eadu mala uplat\u0148ova\u0165 n\u00e1roky nad r\u00e1mec z\u00e1kona, \u010di u\u017e pri odst\u00fapen\u00ed od zmluvy, alebo pri pred\u010dasnom splaten\u00ed.<\/p>\n

Pr\u00edpad sa net\u00fdkal jedn\u00e9ho izolovan\u00e9ho produktu, ale \u0161ir\u0161ieho nastavenia podmienok vo\u010di klientom pri viacer\u00fdch typoch \u00faverov. Pr\u00e1ve dlhodobos\u0165 a opakovan\u00e9 pou\u017e\u00edvanie sporn\u00fdch ustanoven\u00ed boli jedn\u00fdm z d\u00f4vodov, pre\u010do centr\u00e1lna banka prist\u00fapila k sankcii.<\/p>\n

N\u00e1rodn\u00e1 banka Slovenska zd\u00f4raz\u0148uje ochranu finan\u010dn\u00e9ho spotrebite\u013ea<\/p>\n

Vo svojom rozhodnut\u00ed N\u00e1rodn\u00e1 banka Slovenska pripomenula, \u017ee jej \u00falohou nie je len doh\u013ead nad stabilitou finan\u010dn\u00e9ho trhu, ale aj ochrana spotrebite\u013eov. T\u00e1 zah\u0155\u0148a aj kontrolu toho, ak\u00e9 zmluvn\u00e9 podmienky banky pou\u017e\u00edvaj\u00fa a \u010di nimi neobch\u00e1dzaj\u00fa alebo neprekra\u010duj\u00fa z\u00e1konn\u00e9 pravidl\u00e1.<\/p>\n

V tomto pr\u00edpade i\u0161lo pod\u013ea NBS o poru\u0161enia, ktor\u00e9 sa dot\u00fdkali spotrebite\u013esk\u00fdch \u00faverov aj hypot\u00e9k a pretrv\u00e1vali viac rokov. Sankcia vo v\u00fd\u0161ke 35-tis\u00edc eur smeruje na \u00fa\u010det Ministerstva financi\u00ed SR.<\/p>\n

Rozhodnutie Bankovej rady NBS je kone\u010dn\u00e9 a potvrdzuje podstatn\u00fa \u010das\u0165 z\u00e1verov prvostup\u0148ov\u00e9ho org\u00e1nu. Pre klientov banky je d\u00f4le\u017eit\u00fdm sign\u00e1lom, \u017ee doh\u013ead pova\u017eoval tieto poplatkov\u00e9 praktiky za nez\u00e1konn\u00e9.<\/p>\n

\u010co pr\u00edpad znamen\u00e1 pre klientov<\/p>\n

Pr\u00edpad UniCredit Bank ukazuje, \u017ee doh\u013ead nad finan\u010dn\u00fdm trhom sleduje nielen ve\u013ek\u00e9 syst\u00e9mov\u00e9 rizik\u00e1, ale aj konkr\u00e9tne zmluvn\u00e9 podmienky. Pr\u00e1ve tie m\u00f4\u017eu ma\u0165 priamy vplyv na pe\u0148a\u017eenky klientov. Spotrebitelia, ktor\u00ed v sledovanom obdob\u00ed \u010derpali \u00faver alebo hypot\u00e9ku a n\u00e1sledne od zmluvy odst\u00fapili \u010di \u00faver splatili pred\u010dasne, sa mohli stretn\u00fa\u0165 s n\u00e1kladmi, ktor\u00e9 pod\u013ea N\u00e1rodnej banky Slovenska nemali zn\u00e1\u0161a\u0165 v takom rozsahu, ako im banka \u00fa\u010dtovala.<\/p>\n

Rozhodnutie NBS tak z\u00e1rove\u0148 posil\u0148uje odkaz, \u017ee ochrana klienta pri \u00faverov\u00fdch produktoch nie je len form\u00e1lnou z\u00e1sadou. Ide o pravidlo, ktor\u00e9ho poru\u0161enie m\u00f4\u017ee vies\u0165 k sankcii.<\/p>\n

S ot\u00e1zkami sme oslovili aj UniCredit Bank. V pr\u00edpade z\u00edskania nov\u00fdch inform\u00e1ci\u00ed budeme \u010dl\u00e1nok aktualizova\u0165.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"N\u00e1rodn\u00e1 banka Slovenska pr\u00e1voplatne potvrdila sankciu pre UniCredit Bank Czech Republic and Slovakia za poru\u0161enie pravidiel ochrany finan\u010dn\u00fdch…\n","protected":false},"author":2,"featured_media":48125,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[136,8714,2704,19901,43,40,39,42,41],"class_list":{"0":"post-48124","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bratislava","8":"tag-bratislava","9":"tag-narodna-banka-slovenska","10":"tag-nbs","11":"tag-pokuta-unicredit","12":"tag-sk","13":"tag-slovak","14":"tag-slovakia","15":"tag-slovencina","16":"tag-slovensko"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116430632552895987","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/48124","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=48124"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/48124\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/48125"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=48124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=48124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=48124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}