{"id":352746,"date":"2025-08-03T14:02:10","date_gmt":"2025-08-03T13:02:10","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=352746"},"modified":"2025-08-03T14:02:10","modified_gmt":"2025-08-03T13:02:10","slug":"dtest-dcc-docela-cinkla-cena","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=352746","title":{"rendered":"dTest: DCC \u2013 docela cinkl\u00e1 cena?"},"content":{"rendered":"

Plat\u00edte v\u00a0zahrani\u010d\u00ed kartou a v\u00a0tu se objev\u00ed nab\u00eddka \u2013 \u010desk\u00e1, nebo evropsk\u00e1 vlaje\u010dka? P\u0159i pohledu na b\u00edl\u00fd a \u010derven\u00fd pruh, mezi n\u011b\u017e je vsunut \u017eer\u010fov\u00fd modr\u00fd kl\u00edn, se ve v\u00e1s vzedme hrdost a na termin\u00e1lu neomyln\u011b vol\u00edte n\u00e1rodn\u00ed chloubu.\u00a0 P\u0159i pohledu do internetov\u00e9ho bankovnictv\u00ed v\u0161ak n\u00e1sledn\u011b zji\u0161\u0165ujete, \u017ee jste za n\u00e1kupy b\u011bhem dovolen\u00e9 zaplatili v\u00edce, ne\u017e jste pl\u00e1novali.<\/h4>\n

Co je DCC a jak j\u00ed rozpoznat?<\/h6>\n

\"\"Na \u0159adu cest, obzvl\u00e1\u0161t\u011b po zem\u00edch EU, si vysta\u010d\u00edme jen s\u00a0platebn\u00ed kartou, pop\u0159\u00edpad\u011b jen s\u00a0men\u0161\u00ed rezervou v\u00a0hotovosti v\u00a0lok\u00e1ln\u00ed m\u011bn\u011b. Platby a v\u00fdb\u011bry v\u00a0zahrani\u010d\u00ed ale rovn\u011b\u017e nejsou bez rizika, pozor si dejte zejm\u00e9na na DCC. Za zkratkou DCC se skr\u00fdv\u00e1\u00a0Dynamic Currency Conversion, tedy v\u00a0p\u0159ekladu dynamick\u00fd p\u0159evod m\u011bny. Slu\u017eba v\u00e1m umo\u017e\u0148uje platit ve vlastn\u00ed\u00a0m\u011bn\u011b i v zahrani\u010d\u00ed. Na dynamick\u00fd p\u0159evod v\u00e1s upozorn\u00ed informace zobrazovan\u00e9 na platebn\u00edm termin\u00e1lu \u010di bankomatu. Objev\u00ed-li se p\u0159i platb\u011b v\u00a0zahrani\u010d\u00ed na displeji pouze cena v m\u00edstn\u00ed m\u011bn\u011b, slu\u017eba DCC nen\u00ed aktivn\u00ed. Pokud m\u00e1te na v\u00fdb\u011br cenu v\u00a0korun\u00e1ch, nebo \u010d\u00e1stku v\u00a0m\u00edstn\u00ed m\u011bn\u011b, jedn\u00e1 se o nab\u00eddku platby se slu\u017ebou DCC.<\/p>\n

\u010cesk\u00e1, nebo ciz\u00ed vlaje\u010dka?<\/h6>\n

Zd\u00e1nliv\u00e1 v\u00fdhoda DCC je v\u00a0tom, \u017ee p\u0159esn\u011b v\u00edte, kolik za transakci zaplat\u00edte. Z\u00a0\u00fa\u010dtu se v\u00e1m toti\u017e strhne p\u0159esn\u011b to, co vid\u00edte na termin\u00e1lu. Pokud ale v\u00a0hlav\u011b nenos\u00edte kalkula\u010dku a\u00a0aktu\u00e1ln\u00ed kurzy, nemus\u00edte v\u00a0rychlosti odhalit, do jak\u00e9 m\u00edry je nab\u00edzen\u00fd kurz v\u00fdhodn\u00fd.<\/p>\n

\u201eKurz si v\u00a0p\u0159\u00edpad\u011b vyu\u017eit\u00ed DCC ur\u010duje p\u0159\u00edmo provozovatel termin\u00e1lu \u010di bankomatu, a je nutn\u00e9 dodat, \u017ee b\u00fdv\u00e1 v\u00a0porovn\u00e1n\u00ed s\u00a0kurzy nab\u00edzen\u00fdmi bankami a n\u011bkter\u00fdmi sm\u011bn\u00e1rnami \u010dasto nev\u00fdhodn\u00fd,\u201c\u00a0<\/em>vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Naproti tomu, zvol\u00edte-li platbu v\u00a0lok\u00e1ln\u00ed m\u011bn\u011b, provede sm\u011bnu va\u0161e banka. Str\u017eenou \u010d\u00e1stku tak zjist\u00edte a\u017e v\u00a0internetov\u00e9m bankovnictv\u00ed nebo pravideln\u00e9m v\u00fdpisu. Toho byste se ale nem\u011bli zaleknout, nebo\u0165 bankou uplatn\u011bn\u00fd kurz je zpravidla v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed. Bu\u010fte proto pozorn\u00ed a d\u016fkladn\u011b si \u010dt\u011bte zobrazovan\u00e9 informace.\u00a0\u201eVolby na displej\u00edch platebn\u00edch termin\u00e1l\u016f a bankomat\u016f mohou b\u00fdt nastaveny tak, aby n\u00e1s vedly k\u00a0m\u00e9n\u011b v\u00fdhodn\u00e9mu kurzu. \u010cesk\u00e1 vlaje\u010dka a platba v\u00a0korun\u00e1ch je rovn\u011b\u017e zcela l\u00e1kavou a intuitivn\u00ed volbou, v\u011bt\u0161inou se ale vyplat\u00ed s\u00e1zka na eura, dolary, zlot\u00e9 \u010di jakoukoliv lok\u00e1ln\u00ed m\u011bnu,\u201c\u00a0<\/em>dod\u00e1v\u00e1 Hek\u0161ov\u00e1.<\/p>\n

Vypnout jde jen u n\u011bkter\u00fdch bank<\/h6>\n

Abyste se necht\u011bn\u00fdm omyl\u016fm v\u00a0zahrani\u010d\u00ed sn\u00e1z vyvarovali, \u010cesk\u00e1 spo\u0159itelna, Fio banka, mBank, Moneta a Partners Banka v\u00e1m umo\u017en\u00ed slu\u017ebu DCC zcela deaktivovat. Volbu provedete zpravidla v\u00a0nastaven\u00ed platebn\u00ed karty v\u00a0internetov\u00e9m bankovnictv\u00ed.<\/p>\n

Povinn\u00e9 informace v EU<\/h6>\n

\u201ePodle evropsk\u00fdch pravidel byste m\u011bli obdr\u017eet informace nejen o kurzu, kter\u00fdm je prov\u00e1d\u011bn p\u0159epo\u010det, ale i o odchylce od referen\u010dn\u00edho kurzu Evropsk\u00e9 centr\u00e1ln\u00ed banky a\u00a0n\u011bkter\u00e9 dal\u0161\u00ed informace,\u201c\u00a0<\/em>uzav\u00edr\u00e1 \u0159editelka dTestu.<\/p>\n

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

\n

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

Plat\u00edte v\u00a0zahrani\u010d\u00ed <\/p>\n","protected":false},"author":2,"featured_media":352748,"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\/08\/01\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/352746"}],"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=352746"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/352746\/revisions"}],"predecessor-version":[{"id":352749,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/352746\/revisions\/352749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/352748"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=352746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=352746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=352746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}