{"id":594,"date":"2021-08-25T09:09:43","date_gmt":"2021-08-25T07:09:43","guid":{"rendered":"https:\/\/financeapenize.cz\/?p=594"},"modified":"2021-08-25T09:09:44","modified_gmt":"2021-08-25T07:09:44","slug":"legalni-okradeni-absurdni-poplatek-vas-v-cizine-muze-pripravit-o-nemale-penize","status":"publish","type":"post","link":"https:\/\/financeapenize.cz\/?p=594","title":{"rendered":"Leg\u00e1ln\u00ed okraden\u00ed: Absurdn\u00ed poplatek v\u00e1s v cizin\u011b m\u016f\u017ee p\u0159ipravit o nemal\u00e9 pen\u00edze"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">S konverz\u00ed nebo bez? Takovou ot\u00e1zku vid\u011bl na bankomatu t\u00e9m\u011b\u0159 ka\u017ed\u00fd, kdo si cht\u011bl vybrat hotovost v zemi mimo euroz\u00f3nu. Pokud jste si zvolili prvn\u00ed mo\u017enost, s velkou pravd\u011bpodobnost\u00ed jste kv\u016fli tzv. DCC poplatku (dynamic currency conversion &#8211; dynamick\u00e1 konverze m\u011bny) p\u0159i\u0161li o zna\u010dn\u00e9 finance. Jde toti\u017e o velmi drahou slu\u017ebu p\u0159epo\u010dtu plateb na dom\u00e1c\u00ed m\u011bnu platebn\u00ed karty, kter\u00e1 m\u016f\u017ee dos\u00e1hnout i 15-procentn\u00ed proplacen\u00ed. &#8222;A to u\u017e skute\u010dn\u011b nen\u00ed m\u00e1lo. Pokud b\u011bhem pobytu v cizin\u011b vyberu tis\u00edc eur a p\u0159i v\u0161ech platb\u00e1ch pou\u017eiji DCC, tak m\u016f\u017eu p\u0159ij\u00edt a\u017e 150 eur, &#8222;\u0159\u00edk\u00e1 Radoslav Valko, gener\u00e1ln\u00ed \u0159editel a v\u011bt\u0161inov\u00fd akcion\u00e1\u0159 poradensk\u00e9 spole\u010dnosti Sophistic Pro finance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u017edy, kdy\u017e vyu\u017e\u00edv\u00e1te svou platebn\u00ed kartu v cizin\u011b, plat\u00edte jejich jm\u00e9nem. Ka\u017ed\u00e1 takov\u00e1 transakce ur\u010dit\u00fd \u010das trv\u00e1, proto\u017ee obchodn\u00edkovi mus\u00ed poslat finance va\u0161e banka. Ta platbu m\u011bn\u00ed konverzn\u00edm kurzem, kter\u00fd v\u0161ak dop\u0159edu nezn\u00e1te a platba se zpracuje pozd\u011bji. N\u011bkolik dn\u00ed tak p\u0159esn\u011b nev\u00edte, kolik jste zaplatili v eurech. V p\u0159\u00edpad\u011b, \u017ee vyu\u017eijete DCC, platbu p\u0159epo\u010d\u00edt\u00e1 bankomat. A p\u0159esto\u017ee na jedn\u00e9 stran\u011b okam\u017eit\u011b v\u00edte, kolik eur zaplat\u00edte, poplatek za tuto slu\u017ebu je skute\u010dn\u011b drah\u00fd a je t\u0159eba se mu rad\u011bji vyhnout.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/financeapenize.cz\/wp-content\/uploads\/2021\/08\/pexels-pixabay-210742-1024x681.jpg\" alt=\"\" class=\"wp-image-596\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud si mysl\u00edte, \u017ee se tomuto triku d\u00edky spr\u00e1vn\u00e9mu v\u00fdb\u011bru hotovosti z bankomatu v zahrani\u010d\u00ed vyhnete, m\u00fdl\u00edte se. Tedy v p\u0159\u00edpad\u011b, \u017ee budete u obchodn\u00edka platit kartou. &#8222;DCC se nab\u00edz\u00ed tak\u00e9 prost\u0159ednictv\u00edm platebn\u00edch termin\u00e1l\u016f, kde jsou samotn\u00ed obchodn\u00edci motivov\u00e1ni p\u0159esv\u011bd\u010dovat na tento absurdn\u00ed poplatek nebo jej jednodu\u0161e &#8211; bez va\u0161\u00ed znalosti &#8211; odklikneme,&#8220; up\u0159es\u0148uje Radoslav Valko. Na jedn\u00e9 stran\u011b na n\u011bj samotn\u00e9 banky upozor\u0148uj\u00ed, ale na druh\u00e9 stran\u011b je proveden tak, \u017ee klienty nav\u00e1d\u00ed na jeho vyu\u017eit\u00ed. &#8222;Nav\u00edc, na Slovensku nen\u00ed mnoho bank, kter\u00e9 ho umo\u017e\u0148uj\u00ed blokovat,&#8220; uzav\u00edr\u00e1 Radoslav Valko.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>S konverz\u00ed nebo bez? Takovou ot\u00e1zku vid\u011bl na bankomatu t\u00e9m\u011b\u0159 ka\u017ed\u00fd, kdo si cht\u011bl vybrat hotovost v zemi mimo euroz\u00f3nu. Pokud jste si zvolili prvn\u00ed mo\u017enost, s velkou pravd\u011bpodobnost\u00ed jste kv\u016fli tzv. DCC poplatku (dynamic currency conversion &#8211; dynamick\u00e1 konverze m\u011bny) p\u0159i\u0161li o zna\u010dn\u00e9 finance. Jde toti\u017e o velmi drahou slu\u017ebu p\u0159epo\u010dtu plateb na dom\u00e1c\u00ed [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":595,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[10],"tags":[],"class_list":["post-594","post","type-post","status-publish","format-standard","has-post-thumbnail","category-investice"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=594"}],"version-history":[{"count":1,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/594\/revisions"}],"predecessor-version":[{"id":597,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/594\/revisions\/597"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=\/wp\/v2\/media\/595"}],"wp:attachment":[{"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financeapenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}