[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rocepo.sk\/cesi-zostavaju-verni-svojim-bankam\/#Article","mainEntityOfPage":"https:\/\/www.rocepo.sk\/cesi-zostavaju-verni-svojim-bankam\/","headline":"\u010cesi zost\u00e1vaj\u00fa vern\u00ed svojim bank\u00e1m","name":"\u010cesi zost\u00e1vaj\u00fa vern\u00ed svojim bank\u00e1m","description":"Klienti b\u00e1nk v\u00a0\u010cech\u00e1ch vo vz\u0165ahu k\u00a0svojim finan\u010dn\u00fdm domom dodr\u017eiavaj\u00fa sk\u00f4r celib\u00e1t, ne\u017e by im boli","datePublished":"2018-07-27","dateModified":"2018-07-27","author":{"@type":"Person","@id":"https:\/\/www.rocepo.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.rocepo.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rocepo.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rocepo.sk\/wp-content\/uploads\/img_a291475_w16627_t1538069364.jpg","url":"https:\/\/www.rocepo.sk\/wp-content\/uploads\/img_a291475_w16627_t1538069364.jpg","height":0,"width":0},"url":"https:\/\/www.rocepo.sk\/cesi-zostavaju-verni-svojim-bankam\/","about":["Financie"],"wordCount":461,"articleBody":"Klienti b\u00e1nk v\u00a0\u010cech\u00e1ch vo vz\u0165ahu k\u00a0svojim finan\u010dn\u00fdm domom dodr\u017eiavaj\u00fa sk\u00f4r celib\u00e1t, ne\u017e by im boli nevern\u00ed. Len 2% z\u00e1kazn\u00edkov vymen\u00ed svoju banku za konkurenciu, v tomto smere s\u00fa \u010cesi dos\u0165 konzervat\u00edvni. Ak sa u\u017e rozhodn\u00fa zmeni\u0165 banku, tak hlavn\u00fdm d\u00f4vodom vo v\u00e4\u010d\u0161ine pr\u00edpadov je nespokojnos\u0165 s v\u00fd\u0161kou poplatkov. Banky konkr\u00e9tne po\u010dty klientov, ktor\u00ed sa rozhodli pre prevedenie \u00fa\u010dtov do in\u00fdch in\u0161tit\u00faci\u00ed, nezverej\u0148uj\u00fa.\u00a0Mal\u00e9 banky hl\u00e1sia pr\u00edrastky\u00a0Naozaj existuj\u00fa aj v\u00fdnimky, tak napr\u00edklad Air Bank patr\u00ed k t\u00fdm, ktor\u00e9 svoju existenciu zalo\u017eili pr\u00e1ve na l\u00e1kan\u00ed z\u00e1kazn\u00edkov z \u00edn\u00fdch finan\u010dn\u00fdch domov, ako jeden z hlavn\u00fdch d\u00f4vodov uv\u00e1dzaj\u00fa ve\u013emi jednoduch\u00fd proces pri prev\u00e1dzan\u00ed \u00fa\u010dtov medzi bankami. Ona jedin\u00e1 sa verejne prizn\u00e1va k mno\u017estvu odl\u00e1kan\u00fdch z\u00e1kazn\u00edkov od konkurencie, no akt\u00edvne v\u00e1benie klientov ve\u013ek\u00e9 banky komentuj\u00fa zdr\u017eanlivej\u0161ie, preto\u017ee pre nich nie je \u201cpre\u0165ahovanie\u201d z\u00e1kazn\u00edkov k\u013e\u00fa\u010dov\u00e9. Vlastn\u00e9 \u010d\u00edslo \u00fa\u010dtu alebo bezplatn\u00e9 v\u00fdbery z bankomatov, to s\u00fa pon\u00fakan\u00e9 benefity, ktor\u00fdmi sa sna\u017eia oslovi\u0165 klientov. Migr\u00e1ciu klientov medzi bankami je ve\u013emi \u013eahk\u00e9 zisti\u0165 aj z medziro\u010dn\u00fdch \u00fadajov, ktor\u00e9 zaznamen\u00e1vaj\u00fa po\u010dty z\u00e1kazn\u00edkov. V tomto zevrej\u0148ovan\u00ed ved\u00fa hlavne men\u0161ie banky, ktor\u00e9 prizn\u00e1vaj\u00fa pr\u00edrastky klientov, nie je v\u0161ak jasn\u00e9, \u010di sa jedn\u00e1 o z\u00e1kazn\u00edkov, ktor\u00ed si svoj \u00fa\u010det zria\u010fuj\u00fa prv\u00fdkr\u00e1t alebo ide pr\u00e1ve o finan\u010dn\u00fdch migrantov. Equa Bank napr\u00edklad prizn\u00e1va asi 20%-n\u00fd pr\u00edrastok nov\u00fdch klientov.\u00a0V\u00e1hav\u00ed klienti\u00a0Z\u00a0\u010cechov, ktor\u00ed maj\u00fa zaveden\u00fd svoj vlastn\u00fd bankov\u00fd \u00fa\u010det, sa vyjadrila takmer tretina z\u00a0nich, \u017ee by svoje \u00faspory previedla do inej banky, ale probl\u00e9mom sa stalo asi 25%z t\u00fdch, ktor\u00ed sa odhodlali pre tento krok, preto\u017ee ich nakoniec banka predsa len presved\u010dila, aby zostali. Preva\u017en\u00e1 v\u00e4\u010d\u0161ina t\u00fdch, ktor\u00ed sa odhodlaj\u00fa, ale nakoniec svoj krok prehodnotia a\u00a0zostan\u00fa vo svojej teraj\u0161ej banke maj\u00fa predstavu, \u017ee sa jedn\u00e1 o\u00a0zlo\u017eit\u00fd byrokratick\u00fd proces. No nie je to pravda, v\u00fdmena banky je dnes u\u017e relat\u00edvne jednoduch\u00fd \u00fakon, preto\u017ee u\u017e rok a\u00a0pol s\u00fa v\u00a0platnosti povinn\u00e9 pravidl\u00e1 mobility, \u010do zjednodu\u0161ene povedan\u00e9 znamen\u00e1, \u017ee banky u\u017e nesm\u00fa zav\u00e1dza\u0165 \u017eiadne poplatky, ktor\u00fdmi by klientovi br\u00e1nili v zmene a\u00a0prestupe do inej banky. Na to s\u00fa potrebn\u00e9 jednoduch\u00e9 \u00fakony: treba si len zalo\u017ei\u0165 \u00fa\u010det, s\u00fahlasi\u0165 s\u00a0prevodom pe\u0148az\u00ed zo star\u00e9ho \u00fa\u010dtu a\u00a0banky u\u017e v\u0161etky ostatn\u00e9 formality vybavia za\u00a0v\u00e1s.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cesi zost\u00e1vaj\u00fa vern\u00ed svojim bank\u00e1m","item":"https:\/\/www.rocepo.sk\/cesi-zostavaju-verni-svojim-bankam\/#breadcrumbitem"}]}]