{"id":334603,"date":"2025-01-16T10:34:32","date_gmt":"2025-01-16T09:34:32","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=334603"},"modified":"2025-01-16T10:36:27","modified_gmt":"2025-01-16T09:36:27","slug":"dtest-nebojte-se-zmenit-banku","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=334603","title":{"rendered":"dTest: Nebojte se zm\u011bnit banku"},"content":{"rendered":"

Roz\u010d\u00edlil v\u00e1s absurdn\u00ed poplatek, nefunk\u010dn\u00ed aplikace mobiln\u00edho bankovnictv\u00ed, neochotn\u00fd person\u00e1l nebo skute\u010dnost, \u017ee \u0159e\u0161en\u00ed ka\u017ed\u00e9 mali\u010dkost\u00ed vy\u017eaduje p\u0159edem domluvenou osobn\u00ed sch\u016fzku na pobo\u010dce? Nejste-li spokojeni se svou sou\u010dasnou bankou, nebojte se ji zm\u011bnit. Je to snaz\u0161\u00ed, ne\u017e si mysl\u00edte.<\/h4>\n

V\u00fdb\u011br banky<\/h6>\n

\"\"Ne\u017e za\u010dnete hledat novou banku, zamyslete se nad t\u00edm, co od n\u00ed o\u010dek\u00e1v\u00e1te. V dne\u0161n\u00ed dob\u011b se nab\u00eddka slu\u017eeb jednotliv\u00fdch bank ohledn\u011b z\u00e1kladn\u00edch slu\u017eeb p\u0159\u00edli\u0161 neli\u0161\u00ed. Roli tak mohou hr\u00e1t va\u0161e specifick\u00e9 po\u017eadavky. Zkou\u0161eli jste nap\u0159\u00edklad v \u010desk\u00e9 bance uplatnit \u0161ek ze zahrani\u010d\u00ed? Pokud ano, v\u00edte, \u017ee s jeho proplacen\u00edm usp\u011bjete jen u m\u00e1la z nich. P\u0159izn\u00e1v\u00e1me, \u017ee jde sp\u00ed\u0161e o okrajovou z\u00e1le\u017eitost, jin\u00e1 situace v\u0161ak panuje ohledn\u011b \u00fa\u010dtovan\u00fdch poplatk\u016f, kde banky r\u00e1dy uplat\u0148uj\u00ed svou kreativitu.<\/p>\n

D\u00e1v\u00e1te-li zase p\u0159ednost platb\u011b v hotovosti budete se pravd\u011bpodobn\u011b zaj\u00edmat o hustotu s\u00edt\u011b bankomat\u016f a pobo\u010dek, pop\u0159\u00edpad\u011b podm\u00ednky v\u00fdb\u011bru u konkurence. St\u00e1le v\u011bt\u0161\u00ed d\u016fraz je tak\u00e9 kladen na u\u017eivatelskou p\u0159\u00edv\u011btivost, a\u0165 u\u017e se jedn\u00e1 o intuitivn\u00ed aplikaci mobiln\u00edho bankovnictv\u00ed \u010di nasazen\u00ed nov\u00fdch slu\u017eeb jako je mo\u017enost platby na telefonn\u00ed kontakt.<\/p>\n

\u201eZa spln\u011bn\u00ed zvl\u00e1\u0161tn\u00edch podm\u00ednek, nap\u0159\u00edklad p\u0159\u00edjmu, kter\u00fd dosahuje ur\u010dit\u00e9 v\u00fd\u0161e a je pravideln\u011b p\u0159ips\u00e1n na p\u0159edm\u011btn\u00fd \u00fa\u010det, v\u00e1m banky r\u00e1dy nab\u00eddnou tak\u00e9 osobn\u011bj\u0161\u00ed p\u0159\u00edstup. To m\u016f\u017ee zahrnovat slu\u017eby osobn\u00edho bank\u00e9\u0159e, veden\u00ed \u00fa\u010dt\u016f v zahrani\u010dn\u00ed m\u011bn\u011b \u010di poskytnut\u00ed kreditn\u00ed karty s navazuj\u00edc\u00edmi slu\u017ebami jako poji\u0161t\u011bn\u00ed nebo vstup do leti\u0161tn\u00edch salonk\u016f,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. Chcete-li m\u00edt ve\u0161ker\u00e9 bankovn\u00ed slu\u017eby \u201epod jednou st\u0159echou\u201c, pak v\u00e1s mohou eventu\u00e1ln\u011b zaj\u00edmat tak\u00e9 v\u00fd\u0161e \u00farok\u016f na spo\u0159ic\u00edm \u00fa\u010dtu nebo mo\u017enost sjedn\u00e1n\u00ed v\u00fdhodn\u00e9 hypot\u00e9ky.<\/p>\n

Jak p\u0159ej\u00edt k jin\u00e9 bance<\/h6>\n

D\u0159\u00edve jste se pro zalo\u017een\u00ed bankovn\u00ed \u00fa\u010dtu museli vydat p\u0159\u00edmo do banky. Nezbytnou podm\u00ednkou je toti\u017e \u0159\u00e1dn\u00e1 identifikace klienta. V dne\u0161n\u00ed dob\u011b sta\u010d\u00ed vyplnit pot\u0159ebn\u00e9 \u00fadaje p\u0159\u00edmo na webov\u00fdch str\u00e1nk\u00e1ch, a dokonce i nutn\u00e9 ov\u011b\u0159en\u00ed identity lze zvl\u00e1dnout bez toho, ani\u017e byste museli opustit pohodl\u00ed domova. N\u011bkter\u00e9 banky pro tyto \u00fa\u010dely umo\u017e\u0148uj\u00ed nap\u0159\u00edklad vyu\u017eit\u00ed ov\u011b\u0159en\u00ed pomoc\u00ed bankovn\u00ed identity spojen\u00e9 s va\u0161\u00edm st\u00e1vaj\u00edc\u00edm \u00fa\u010dtem. M\u00e1te-li zalo\u017eeno, p\u0159evedete si z\u016fstatek, nastav\u00edte trval\u00e9 p\u0159\u00edkazy a informujete zam\u011bstnavatele o nov\u00fdch bankovn\u00edch \u00fadaj\u00edch. Pot\u00e9 sta\u010d\u00ed za\u017e\u00e1d\u00e1te o zru\u0161en\u00ed \u00fa\u010dtu u va\u0161\u00ed st\u00e1vaj\u00edc\u00ed banky.<\/p>\n

Zd\u00e1 se v\u00e1m i tento zp\u016fsob p\u0159\u00edli\u0161 slo\u017eit\u00fd? Potom nechte ve\u0161ker\u00e9 za\u0159izov\u00e1n\u00ed na va\u0161\u00ed nov\u00e9 bance. Funguje to tak, \u017ee zajdete na pobo\u010dku v\u00e1mi vybran\u00e9 banky a po\u017e\u00e1d\u00e1te o zm\u011bnu platebn\u00edho \u00fa\u010dtu. \u201eSvoji novou banku m\u016f\u017eete zkr\u00e1tka zmocnit k tomu, aby za v\u00e1s a va\u0161\u00edm jm\u00e9nem vy\u0159e\u0161ila ve\u0161ker\u00e9 pot\u0159ebn\u00e9 formality. Banka v\u00e1m n\u00e1sledn\u011b zajist\u00ed nov\u00fd \u00fa\u010det a z\u00e1rove\u0148, budete-li si to p\u0159\u00e1t, od ur\u010dit\u00e9ho data p\u0159evede trval\u00e9 p\u0159\u00edkazy a souhlasy s inkasem, nebo dokonce vypov\u00ed smlouvu o platebn\u00edm \u00fa\u010dtu u st\u00e1vaj\u00edc\u00ed banky,\u201c<\/em> vysv\u011btluje Hek\u0161ov\u00e1. S va\u0161\u00ed p\u0159edchoz\u00ed bankou se tak nemus\u00edte ani lou\u010dit, p\u0159itom by m\u011blo b\u00fdt v\u0161e p\u0159evedeno do 15 dn\u016f.<\/p>\n

Co byste m\u011bli v\u011bd\u011bt o p\u0159eveden\u00ed \u00fa\u010dtu<\/h6>\n

Po\u010d\u00edtejte s t\u00edm, \u017ee zm\u011bna platebn\u00edho \u00fa\u010dtu nefunguje jako p\u0159enesen\u00ed telefonn\u00edho \u010d\u00edsla k jin\u00e9mu oper\u00e1torovi. N\u011bkter\u00e9 banky sice nab\u00edz\u00ed p\u0159enesen\u00ed st\u00e1vaj\u00edc\u00edho \u010d\u00edsla bankovn\u00edho \u00fa\u010dtu, v\u017edy se ale zm\u011bn\u00ed p\u0159inejmen\u0161\u00edm \u010d\u00e1st za lom\u00edtkem.<\/p>\n

\u201eZm\u011bnu platebn\u00edho \u00fa\u010dtu v\u00e1m nov\u00e1 banka nemus\u00ed zajistit, m\u00e1te-li u dosavadn\u00ed banky dal\u0161\u00ed z\u00e1vazky spojen\u00e9 s b\u011b\u017en\u00fdm \u00fa\u010dtem, nap\u0159\u00edklad hypot\u00e9ku,\u201c<\/em> uzav\u00edr\u00e1 \u0159editelka dTestu Hek\u0161ov\u00e1.<\/p>\n

Jestli\u017ee byl v\u00e1\u0161 dosavadn\u00ed \u00fa\u010det otev\u0159en d\u00e9le ne\u017e rok, st\u00e1vaj\u00edc\u00ed banka po v\u00e1s nem\u016f\u017ee po\u017eadovat jak\u00fdkoliv poplatek za jeho zru\u0161en\u00ed.<\/p>\n

V n\u011bkter\u00fdch p\u0159\u00edpadech pro v\u00e1s m\u016f\u017ee b\u00fdt jednodu\u0161\u0161\u00ed zalo\u017eit si \u00fa\u010det u nov\u00e9 banky samostatn\u011b a po ur\u010ditou dobu provozovat oba \u00fa\u010dty z\u00e1rove\u0148. Ujist\u00edte se tak, \u017ee v\u0161e je p\u0159evedeno a funguje, jak si p\u0159ejete.<\/p>\n

\u0158e\u0161\u00edte probl\u00e9m s bankou? Nev\u00e1hejte vyu\u017e\u00edt slu\u017ebu Va\u0161eSt\u00ed\u017enosti.cz, p\u0159\u00edpadn\u011b na\u0161i telefonickou poradnu na \u010d\u00edsle 299 149 009.<\/p>\n

dTest<\/strong><\/p>\n

\n

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

Roz\u010d\u00edlil v\u00e1s <\/p>\n","protected":false},"author":2,"featured_media":334608,"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\/2025\/01\/16\/ram-dtest-xxx.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/334603"}],"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=334603"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/334603\/revisions"}],"predecessor-version":[{"id":334605,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/334603\/revisions\/334605"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/334608"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=334603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=334603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=334603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}