{"id":133609,"date":"2018-07-04T06:20:35","date_gmt":"2018-07-04T05:20:35","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=133609"},"modified":"2018-07-04T06:20:35","modified_gmt":"2018-07-04T05:20:35","slug":"dtest-bez-penez-do-ciziny-nelez","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=133609","title":{"rendered":"dTEST: Bez pen\u011bz do ciziny nelez"},"content":{"rendered":"

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Proto\u017ee si \u010cesk\u00e1 republika st\u00e1le zachov\u00e1v\u00e1 svoji jedine\u010dnou m\u011bnu, p\u0159ed ka\u017edou cestou do zahrani\u010d\u00ed mus\u00edme vy\u0159e\u0161it ot\u00e1zku, jak a \u010d\u00edm tam budeme platit. Na co v\u0161e si p\u0159i obstar\u00e1v\u00e1n\u00ed valut d\u00e1vat pozor?<\/h6>\n

\"\"\u0158adu plateb je v zahrani\u010d\u00ed mo\u017en\u00e9 prov\u00e9st bezhotovostn\u011b, tedy platebn\u00ed kartou. Tato varianta placen\u00ed je p\u0159i dodr\u017eov\u00e1n\u00ed bezpe\u010dnostn\u00edch pravidel pro pou\u017e\u00edv\u00e1n\u00ed karty pohodln\u00e1, bezpe\u010dn\u00e1 a levn\u00e1. Minimalizujete tak mo\u017enost kr\u00e1de\u017ee, ztr\u00e1ty nebo po\u0161kozen\u00ed pen\u011bz. Platebn\u00ed karta se v\u00e1m ve vod\u011b nerozmo\u010d\u00ed, a kdy\u017e kartu hned po jej\u00ed ztr\u00e1t\u011b zablokujete, budou pen\u00edze na va\u0161em \u00fa\u010dtu v bezpe\u010d\u00ed.<\/p>\n

Platit kartou je z\u00e1rove\u0148 levn\u00e9, tedy pokud va\u0161e banka nem\u00e1 nev\u00fdhodn\u00fd kurz. \u201eBanka toti\u017e p\u0159ev\u00e1d\u00ed bezhotovostn\u011b ciz\u00ed m\u011bny v kurzu devizy-prodej, kter\u00fd je v pr\u016fm\u011bru o cca 10 hal\u00e9\u0159\u016f na jedno euro nebo americk\u00fd dolar v\u00fdhodn\u011bj\u0161\u00ed ne\u017e kurz valuty-prodej ur\u010den\u00fd pro sm\u011bnu bankovek a minc\u00ed. Za platbu kartou v zahrani\u010d\u00ed nav\u00edc obvykle neplat\u00edte \u017e\u00e1dn\u00e9 poplatky, n\u00e1klady na sm\u011bnu banky zahrnuj\u00ed do sm\u011bnn\u00e9ho kurzu,\u201c<\/em> vysv\u011btluje Luk\u00e1\u0161 Zelen\u00fd, vedouc\u00ed pr\u00e1vn\u00edho odd\u011blen\u00ed spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Bez hotovosti (valut) se ov\u0161em v zahrani\u010d\u00ed mnohdy neobejdete. Zahrani\u010dn\u00ed bankovky a mince si zajist\u011bte je\u0161t\u011b v \u010cesk\u00e9 republice, proto\u017ee s nab\u00eddkou na\u0161\u00ed m\u011bny byste usp\u011bli maxim\u00e1ln\u011b v bank\u00e1ch sousedn\u00edch st\u00e1t\u016f, a mnohdy jen v p\u0159\u00edhrani\u010d\u00ed. Alternativn\u011b byste si tak\u00e9 mohli vyzvednout ciz\u00ed m\u011bnu v zahrani\u010d\u00ed v bankomatu. Tato varianta v\u0161ak b\u00fdv\u00e1 zat\u00ed\u017eena citeln\u00fdm poplatkem, a to i v \u0159\u00e1du stokorun za jeden v\u00fdb\u011br. Pen\u00edze tak\u00e9 mohou b\u00fdt sm\u011bn\u011bny v hor\u0161\u00edm kurzu. Je\u0161t\u011b hor\u0161\u00ed podm\u00ednky pro v\u00fdb\u011br v zahrani\u010dn\u00edch bankomatech b\u00fdvaj\u00ed stanoven\u00e9 pro kreditn\u00ed (\u00fav\u011brov\u00e9) karty a ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se na n\u011b nevztahuje bez\u00faro\u010dn\u00e9 obdob\u00ed. P\u0159ed odjezdem na dovolenou si proto zjist\u011bte, jak va\u0161e banka zpoplat\u0148uje v\u00fdb\u011bry ze zahrani\u010dn\u00edho bankomatu, a podle toho se hotovost\u00ed vybavte je\u0161t\u011b p\u0159ed cestou.<\/p>\n

K n\u00e1kupu eur, americk\u00fdch dolar\u016f, p\u0159\u00edpadn\u011b jin\u00fdch m\u011bn m\u016f\u017eete vyu\u017e\u00edt hustou s\u00ed\u0165 pobo\u010dek tradi\u010dn\u00edch bank. Nov\u00e9 banky klasick\u00e9 sm\u011bn\u00e1rensk\u00e9 slu\u017eby zpravidla nenab\u00edzej\u00ed, ale bezhotovostn\u00ed platby a v\u00fdb\u011bry pen\u011bz ze zahrani\u010dn\u00edch bankomat\u016f samoz\u0159ejm\u011b umo\u017e\u0148uj\u00ed. \u201eValutov\u00e9 kurzy v bank\u00e1ch jsou v porovn\u00e1n\u00ed se sm\u011bn\u00e1rnami m\u00edrn\u011b vy\u0161\u0161\u00ed a banky si k nim je\u0161t\u011b p\u0159ipo\u010d\u00edt\u00e1vaj\u00ed poplatek, kter\u00fd se odv\u00edj\u00ed od v\u00fd\u0161e sm\u011b\u0148ovan\u00e9 \u010d\u00e1stky. Kurz a sm\u011bn\u00e1rensk\u00fd poplatek vyhl\u00e1\u0161en\u00fd bankou plat\u00ed ve v\u0161ech jej\u00edch pobo\u010dk\u00e1ch na na\u0161em \u00fazem\u00ed,\u201c<\/em> uv\u00e1d\u00ed Luk\u00e1\u0161 Zelen\u00fd.<\/p>\n

Pro valuty se m\u016f\u017eete vydat i do sm\u011bn\u00e1rny, za kterou ale mo\u017en\u00e1 budete muset cestovat des\u00edtky kilometr\u016f, nebydl\u00edte-li ve velkom\u011bst\u011b nebo v turisticky exponovan\u00e9m m\u00edst\u011b. Sm\u011bn\u00e1rny v\u011bt\u0161inou nab\u00edzej\u00ed v\u00fdhodn\u011bj\u0161\u00ed kurzy, ale bohu\u017eel se zde m\u016f\u017eete setkat s nekal\u00fdmi praktikami sm\u011bn\u00e1rn\u00edk\u016f. Bu\u010fte proto obez\u0159etn\u00ed, pro\u010dt\u011bte si recenze a diskuse na toto t\u00e9ma na internetu a vydejte se do t\u00e9, se kterou maj\u00ed klienti dobr\u00e9 zku\u0161enosti.<\/p>\n

Ka\u017ed\u00e1 sm\u011bn\u00e1rna je povinna v\u00e1m p\u0159ed transakc\u00ed poskytnout informaci o sob\u011b (n\u00e1zev, s\u00eddlo, provozovna, kontakt), o transakci (m\u011bna, objem transakce, sm\u011bnn\u00fd kurz, poplatky, celkov\u00e1 vyplacen\u00e1 \u010d\u00e1stka, datum a \u010das) a o va\u0161ich dal\u0161\u00edch pr\u00e1vech, nap\u0159\u00edklad mo\u017enostech reklamace. V\u017edy tento doklad vy\u017eadujte, zkontrolujte na n\u011bm uveden\u00e9 \u00fadaje a uschovejte si ho pro p\u0159\u00edpadnou reklamaci. Chce-li po v\u00e1s sm\u011bn\u00e1rna podpis tohoto dokladu, podepi\u0161te jej a\u017e po p\u0159e\u010dten\u00ed a zkontrolov\u00e1n\u00ed.<\/p>\n

Po proveden\u00e9 sm\u011bn\u011b je sm\u011bn\u00e1rna povinna v\u00e1m vystavit doklad o transakci. Op\u011bt tento doklad vy\u017eadujte. \u201ePokud sm\u011bna neprob\u011bhla podle p\u0159edtransak\u010dn\u00edho dokladu, nap\u0159\u00edklad je jin\u00fd sm\u011bnn\u00fd kurz \u010di celkov\u00e1 vyplacen\u00e1 \u010d\u00e1stka, reklamujte slu\u017ebu hned na m\u00edst\u011b u odpov\u011bdn\u00e9ho pracovn\u00edka. Jestli\u017ee sm\u011bn\u00e1rna va\u0161i reklamaci neuzn\u00e1, m\u00e1te mo\u017enost si st\u011b\u017eovat u \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 m\u016f\u017ee se sm\u011bn\u00e1rnou zah\u00e1jit spr\u00e1vn\u00ed \u0159\u00edzen\u00ed a ud\u011blit j\u00ed pokutu,\u201c<\/em> \u0159\u00edk\u00e1 Zelen\u00fd. A dod\u00e1v\u00e1: \u201eV jej\u00ed kompetenci v\u0161ak nen\u00ed vym\u00e1h\u00e1n\u00ed n\u00e1hrady \u0161kody zp\u016fsoben\u00e9 v\u00e1m sm\u011bn\u00e1rnou. Od\u0161kodn\u011bn\u00ed je t\u0159eba \u0159e\u0161it jako soukromopr\u00e1vn\u00ed spor nebo prost\u0159ednictv\u00edm finan\u010dn\u00edho arbitra.\u201c<\/em><\/p>\n

dTEST<\/strong><\/p>\n

Ilustra\u010dn\u00ed foto: pixabay<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  Proto\u017ee <\/p>\n","protected":false},"author":2,"featured_media":133612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/22\/r\u00e1me\u010dek-bez-pen\u011bz.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/133609"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=133609"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/133609\/revisions"}],"predecessor-version":[{"id":134162,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/133609\/revisions\/134162"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/133612"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=133609"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=133609"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=133609"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}