{"id":9757,"date":"2018-07-02T12:10:46","date_gmt":"2018-07-02T10:10:46","guid":{"rendered":"https:\/\/financera.cz\/?p=9757"},"modified":"2024-11-01T10:36:42","modified_gmt":"2024-11-01T09:36:42","slug":"jak-poslat-penize-do-zahranici","status":"publish","type":"post","link":"https:\/\/financera.cz\/osobni-finance\/clanky\/jak-poslat-penize-do-zahranici\/","title":{"rendered":"Jak poslat pen\u00edze do zahrani\u010d\u00ed?"},"content":{"rendered":"\n<p>A\u0165 u\u017e se jedn\u00e1 o platbu za zahrani\u010dn\u00ed n\u00e1kup, rezervaci dovolen\u00e9 p\u0159es zahrani\u010dn\u00ed cestovn\u00ed kancel\u00e1\u0159 nebo p\u0159evod pen\u011bz p\u0159\u00e1tel\u016fm \u010di rodin\u011b, <strong>v\u011bt\u0161ina z n\u00e1s d\u0159\u00edve nebo pozd\u011bji naraz\u00ed na pot\u0159ebu poslat pen\u00edze do zahrani\u010d\u00ed<\/strong>. Dobrou zpr\u00e1vou je, \u017ee mo\u017enosti jak poslat pen\u00edze do zahrani\u010d\u00ed jsou pestr\u00e9 a ka\u017ed\u00fd zp\u016fsob m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody:<\/p>\n\n\n\n<ul>\n<li><strong>Bankovn\u00ed p\u0159evody<\/strong>: Tradi\u010dn\u00ed, ale \u010dasto dra\u017e\u0161\u00ed varianta s del\u0161\u00ed dobou zpracov\u00e1n\u00ed.<\/li>\n\n\n\n<li><strong>\u0160eky a zas\u00edl\u00e1n\u00ed po\u0161tou<\/strong>: Rovn\u011b\u017e pom\u011brn\u011b zastaral\u00e1, pomal\u00e1 a drah\u00e1 metoda<\/li>\n\n\n\n<li><strong>Digit\u00e1ln\u00ed pen\u011b\u017eenky (nap\u0159. PayPal)<\/strong>: Pohodln\u00e9 a rychl\u00e9, av\u0161ak poplatky mohou b\u00fdt vy\u0161\u0161\u00ed ne\u017e u specializovan\u00fdch slu\u017eeb.<\/li>\n\n\n\n<li><strong>Specializovan\u00e9 platformy (nap\u0159. Wise)<\/strong>: Ni\u017e\u0161\u00ed poplatky a v\u00fdhodn\u00e9 kurzy d\u00edky st\u0159edov\u00fdm sm\u011bnn\u00fdm kurz\u016fm.<\/li>\n\n\n\n<li><strong>Neobank slu\u017eby jako Revolut<\/strong>: Nab\u00edz\u00ed flexibiln\u00ed, \u010dasto levn\u011bj\u0161\u00ed p\u0159evody s mo\u017enost\u00ed dr\u017eet pen\u00edze v r\u016fzn\u00fdch m\u011bn\u00e1ch.<\/li>\n<\/ul>\n\n\n\n<p>Doba trv\u00e1n\u00ed a poplatky za p\u0159evod budou z\u00e1viset na zvolen\u00e9m zp\u016fsobu, tak\u017ee stoj\u00ed za to dob\u0159e porovnat jednotliv\u00e9 mo\u017enosti a vybrat tu nejv\u00fdhodn\u011bj\u0161\u00ed pr\u00e1v\u011b pro v\u00e1s. <strong>Proto jsme si pro v\u00e1s p\u0159ipravili tento \u010dl\u00e1nek, kter\u00fd v\u00e1m poskytne p\u0159ehled v\u00fdhod a nev\u00fdhod jednotliv\u00fdch mo\u017enost\u00ed<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Posln_penz_do_zahrani\">Pos\u00edl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed<\/h2>\n\n\n\n<p>Kdy\u017e pos\u00edl\u00e1te pen\u00edze do zahrani\u010d\u00ed, v drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f je <strong>budete pos\u00edlat v jin\u00e9 ne\u017e na\u0161\u00ed m\u011bn\u011b (CZK). <\/strong>M\u016f\u017eete sice odeslat koruny, ale na c\u00edlov\u00fd \u00fa\u010det se stejn\u011b p\u0159ip\u00ed\u0161ou v dolarech, eurech nebo polsk\u00fdch zlot\u00fdch. A tedy podle toho, kam a komu budete<strong> platbu do zahrani\u010d\u00ed<\/strong> pos\u00edlat.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><strong>Pos\u00edl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed<\/strong>\u00a0<strong>z \u010cesk\u00e9 republiky\u00a0<\/strong>zvykne b\u00fdt bu\u010f pom\u011brn\u011b komplikovan\u00e9 nebo drah\u00e9.\n<em>Cena se d\u00e1 rozlo\u017eit na takov\u00e9 dv\u011b hlavn\u00ed \u010d\u00e1sti:<\/em>\n<ul>\n<li>Poplatek<\/li>\n<li>(Ne)v\u00fdhodn\u00fd sm\u011bnn\u00fd kurz<\/li>\n<\/ul><\/div>\n\n\n<p><strong>Poplatek za p\u0159evod<\/strong> maj\u00ed n\u011bkter\u00e9 banky za p\u00e1r korun, jin\u00e9 i za n\u011bkolik stokorun. N\u011bkter\u00e9 internetov\u00e9 slu\u017eby maj\u00ed <strong>posl\u00e1n\u00ed pen\u011bz zdarma<\/strong> a plat\u00edte, a\u017e kdy\u017e je naopak vy p\u0159ijmete, jako nap\u0159\u00edklad PayPal. <\/p>\n\n\n\n<p>A\u0165 u\u017e to bude kolik chce, samotn\u00fd poplatek za p\u0159evod ale netvo\u0159\u00ed skoro <strong>\u017e\u00e1dn\u00e9 n\u00e1klady. <\/strong>To d\u011bl\u00e1 a\u017e kurz m\u011bny.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Smnn_kurz\">Sm\u011bnn\u00fd kurz<\/h3>\n\n\n\n<p>Pr\u00e1v\u011b <strong>v\u00fdhodnost nebo nev\u00fdhodnost kurzu<\/strong> bude tvo\u0159it v\u011bt\u0161inu n\u00e1klad\u016f na posl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed. \u010c\u00edm hor\u0161\u00ed kurz, t\u00edm budete <strong>muset poslat v\u00edc sv\u00fdch pen\u011bz,<\/strong> aby p\u0159\u00edjemce dostal tu samou \u010d\u00e1stku.<\/p>\n\n\n\n<p>V n\u011bkter\u00fdch p\u0159\u00edpadech maskuj\u00ed slu\u017eby <strong>hrub\u011b nev\u00fdhodn\u00fd sm\u011bnn\u00fd kurz <\/strong>t\u00edm, \u017ee se hodn\u011b soust\u0159ed\u00ed na to, \u017ee u sv\u00fdch p\u0159evod\u016f nemaj\u00ed \u017e\u00e1dn\u00fd, p\u0159\u00edpadn\u011b jen mal\u00fd poplatek. <\/p>\n\n\n\n<p>To n\u00e1sledn\u011b zp\u016fsobuje, \u017ee z\u00e1kazn\u00edk ani nehled\u00e1 nebo ani naj\u00edt nem\u016f\u017ee, <strong>p\u0159esn\u00fd kurz, za kter\u00fd budou pen\u00edze pos\u00edl\u00e1ny<\/strong>. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div>V nab\u00edzen\u00fdch kurzech jsou n\u011bkdy <strong>propastn\u00e9 rozd\u00edly.<\/strong> Bude tak hodn\u011b z\u00e1le\u017eet na tom, jestli sp\u00ed\u0161e preferujete <strong>rychlost posl\u00e1n\u00ed pen\u011bz,<\/strong> nebo je chcete <strong>poslat co nejlevn\u011bji<\/strong> a nevad\u00ed v\u00e1m si t\u0159eba i trochu po\u010dkat.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Bankovn_pevod\">Bankovn\u00ed p\u0159evod<\/h2>\n\n\n\n<p>Pro p\u0159evod pen\u011bz do zahrani\u010d\u00ed pro v\u00e1s bude v\u017edy <strong>nejpohodln\u011bj\u0161\u00ed bankovn\u00ed p\u0159evod.<\/strong> P\u0159\u00edstup k internet bance m\u00e1te z kter\u00e9hokoli po\u010d\u00edta\u010de i sv\u00e9ho mobiln\u00edho telefonu, <strong>zad\u00e1n\u00ed p\u0159\u00edkazu je jen na n\u011bkolik minut<\/strong> a pen\u00edze m\u016f\u017eete poslat komukoli na sv\u011bt\u011b.<\/p>\n\n\n\n<p>Tak\u00e9 <strong>cena za p\u0159evod pen\u011bz<\/strong> vych\u00e1z\u00ed pom\u011brn\u011b dob\u0159e. Banky pou\u017e\u00edvaj\u00ed <strong>dobr\u00e9 kurzy <\/strong>a n\u011bkter\u00e9 men\u0161\u00ed banky u n\u00e1s na trhu za takov\u00e9to p\u0159evody ani necht\u011bj\u00ed v\u00edce ne\u017e p\u00e1r des\u00edtek korun.<\/p>\n\n\n\n<p>Nev\u00fdhodou bankovn\u00edch p\u0159evod\u016f je ale<strong> rychlost za\u00fa\u010dtov\u00e1n\u00ed pen\u011bz<\/strong>. V ojedin\u011bl\u00fdch p\u0159\u00edpadech m\u016f\u017ee p\u0159eveden\u00ed \u010d\u00e1stky trvat a\u017e 12 dn\u00ed. Situaci v Evrop\u011b n\u00e1m ale hodn\u011b uleh\u010duje Evropsk\u00e1 unie, proto\u017ee pr\u00e1v\u011b z jej\u00edho na\u0159\u00edzen\u00ed existuj\u00ed tzv. <strong>SEPA platby.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"IBAN_SWIFT_BIC_a_dal_pojmy\">IBAN, SWIFT, BIC a dal\u0161\u00ed pojmy<\/h3><p><strong>IBAN (International Bank Account Number)<\/strong><br>IBAN je mezin\u00e1rodn\u00ed form\u00e1t \u010d\u00edsla \u00fa\u010dtu, kter\u00fd zaji\u0161\u0165uje spr\u00e1vnost plateb v r\u00e1mci mezin\u00e1rodn\u00edho platebn\u00edho styku podle normy ISO 13616. \u010cesk\u00fd IBAN m\u00e1 b\u011b\u017en\u011b 24 znak\u016f a m\u016f\u017ee vypadat nap\u0159\u00edklad takto: CZ36 0100 0000 0001 2345 6789.<\/p>\n<p><strong>SWIFT (Society for Worldwide Interbank Financial Telecommunication)<\/strong><br>SWIFT je syst\u00e9m pro glob\u00e1ln\u00ed mezibankovn\u00ed komunikaci, kter\u00fd umo\u017e\u0148uje bezpe\u010dn\u00e9 odes\u00edl\u00e1n\u00ed a p\u0159ij\u00edm\u00e1n\u00ed zahrani\u010dn\u00edch plateb ve v\u011bt\u0161in\u011b sv\u011btov\u00fdch m\u011bn. Je z\u00e1kladem pro mezin\u00e1rodn\u00ed finan\u010dn\u00ed transakce.<\/p>\n<p><strong>BIC (Business Identification Code)<\/strong><br>BIC je k\u00f3d, kter\u00fd identifikuje konkr\u00e9tn\u00ed banku p\u0159i mezin\u00e1rodn\u00edch platb\u00e1ch. M\u00e1 obvykle 8 a\u017e 11 znak\u016f a pou\u017e\u00edv\u00e1 mezin\u00e1rodn\u00ed normu ISO 9362.<\/p>\n<p><strong>SHA<\/strong><br>Tento typ transak\u010dn\u00edho poplatku znamen\u00e1, \u017ee n\u00e1klady na p\u0159evod jsou rozd\u011bleny mezi odes\u00edlatele a p\u0159\u00edjemce.<\/p>\n<p><strong>BEN<\/strong><br>V r\u00e1mci poplatku BEN hrad\u00ed n\u00e1klady transakce v\u00fdhradn\u011b p\u0159\u00edjemce platby.<\/p>\n<p><strong>OUR<\/strong><br>Poplatek OUR znamen\u00e1, \u017ee ve\u0161ker\u00e9 n\u00e1klady na transakci plat\u00ed odes\u00edlatel.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"SEPA_platby\">SEPA platby<\/h3>\n\n\n\n<p>SEPA ozna\u010duje jednotnou oblast pro platby do zahrani\u010d\u00ed v eurech, kter\u00e1 zjednodu\u0161uje a sjednocuje platebn\u00ed transakce mezi evropsk\u00fdmi zem\u011bmi.<\/p>\n\n\n\n<p>K roku 2019 zahrnuje <strong>36 zem\u00ed<\/strong>, v\u010detn\u011b <strong>27 \u010dlensk\u00fdch st\u00e1t\u016f EU<\/strong>, <strong>4 \u010dlen\u016f Evropsk\u00e9ho sdru\u017een\u00ed voln\u00e9ho obchodu<\/strong> a <strong>dal\u0161\u00edch 5 zem\u00ed mimo EU<\/strong> (jako nap\u0159\u00edklad <strong>Velk\u00e1 Brit\u00e1nie<\/strong>, <strong>Monako <\/strong>a <strong>Vatik\u00e1n<\/strong>).<\/p>\n\n\n\n<p>Jedin\u00e9, co k tomu pot\u0159ebujete zn\u00e1t za \u00fadaje, je <strong>mezin\u00e1rodn\u00ed \u010d\u00edslo \u00fa\u010dtu (IBAN)<\/strong> a k\u00f3d banky (BIC) \u010dlov\u011bka nebo obchodu, kter\u00e9mu budete pen\u00edze do zahrani\u010d\u00ed p\u0159ev\u00e1d\u011bt.<\/p>\n\n\n\n<ul>\n<li><strong>M\u016f\u017eete poslat jakoukoli \u010d\u00e1stku a<\/strong> na c\u00edlov\u00fd \u00fa\u010det bude p\u0159evedena v pln\u00e9 v\u00fd\u0161i<\/li>\n\n\n\n<li>P\u0159\u00edjemce i pos\u00edlaj\u00edc\u00ed <strong>hrad\u00ed ka\u017ed\u00fd jen poplatky sv\u00e9 banky<\/strong> (poplatek typu SHA)<\/li>\n\n\n\n<li><strong>Platba odejde hned dal\u0161\u00ed bankovn\u00ed den<\/strong> po splatnosti a ten sam\u00fd den se i za\u00fa\u010dtuje<\/li>\n\n\n\n<li>Do p\u0159\u00edkazu m\u016f\u017eete <strong>doplnit jakoukoli pozn\u00e1mku<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vklad_na_et\">Vklad na \u00fa\u010det<\/h3>\n\n\n\n<p>Pokud v\u00e1\u0161 zn\u00e1m\u00fd nebo p\u0159\u00edbuzn\u00fd pot\u0159ebuje poslat pen\u00edze, zat\u00edmco je na dovolen\u00e9, m\u016f\u017eete mu p\u0159eposlat pen\u00edze ze sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Tak\u00e9 m\u00e1te mo\u017enost mu danou \u010d\u00e1stku vlo\u017eit na jeho \u00fa\u010det <strong>p\u0159\u00edmo u p\u0159ep\u00e1\u017eky v bance.<\/strong><\/p>\n\n\n\n<p>P\u0159i <strong>p\u0159evodu z \u00fa\u010dtu na \u00fa\u010det <\/strong>bude m\u00edt pen\u00edze nejpozd\u011bji do dvou pracovn\u00edch dn\u00ed. V\u00fdhodou tady je, \u017ee se jedn\u00e1 o naprosto b\u011b\u017en\u00fd p\u0159evod z jedn\u00e9 \u010desk\u00e9 banky do druh\u00e9, tak\u017ee je<strong> prakticky zadarmo. <\/strong><\/p>\n\n\n\n<p>V zahrani\u010d\u00ed si pak u\u017e <strong>vybere pen\u00edze bu\u010f z bankomatu, <\/strong>nebo vyu\u017eije slu\u017ebu cashbacku u obchodn\u00edk\u016f a pen\u00edze si vybere p\u0159i n\u00e1kupu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>U vkladu na p\u0159ep\u00e1\u017ece bude <strong>m\u00edt pen\u00edze k dispozici v\u011bt\u0161inou hned,<\/strong> nejpozd\u011bji pak do dal\u0161\u00edho pracovn\u00edho dne. Pen\u00edze si potom <strong>m\u016f\u017ee vybrat <\/strong>stejn\u00fdm zp\u016fsobem, a sice bu\u010f p\u0159\u00edmo z bankomatu nebo p\u0159i n\u00e1kupu.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"esk_pota\">\u010cesk\u00e1 po\u0161ta<\/h2>\n\n\n\n<p>\u010cesk\u00e1 po\u0161ta je tak\u00e9 jeden ze zp\u016fsob\u016f, <strong>jak poslat platbu do zahrani\u010d\u00ed. <\/strong>Sta\u010d\u00ed kdy\u017e zde v \u010cR na kter\u00e9koli po\u0161t\u011b vypln\u00edte pouk\u00e1zku typu Z\/C, slo\u017e\u00edte pen\u00edze a zaplat\u00edte mal\u00fd poplatek.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>P\u0159i pos\u00edl\u00e1n\u00ed do 6 500 korun plat\u00edte <strong>poplatek 100 korun,<\/strong> do \u010d\u00e1stky 13 000 v\u010detn\u011b pak <strong>125 korun<\/strong> a p\u0159i \u010d\u00e1stce nad 13 000 je poplatek <strong>155 korun.<\/strong><\/div>\n\n\n<p>Obrovsk\u00e1 v\u00fdhoda je v tom, \u017ee tak je <strong>posl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed opravdu levn\u00e9<\/strong>, obrovsk\u00e1 nev\u00fdhoda je v tom, \u017ee doba jejich <strong>dod\u00e1n\u00ed je 1 a\u017e 2 t\u00fddny.<\/strong> Pen\u00edze se toti\u017e budou do c\u00edlov\u00e9 zem\u011b p\u0159ev\u00e1\u017eet fyzicky.<\/p>\n\n\n\n<p>Ne v\u0161echny zem\u011b takov\u00fd zp\u016fsob pos\u00edl\u00e1n\u00ed pen\u011bz podporuj\u00ed. <strong>Pen\u00edze takto nap\u0159\u00edklad nepo\u0161lete do Chorvatska. <\/strong><\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee dan\u00e1 zem\u011b takov\u00e9 zahrani\u010dn\u00ed pos\u00edl\u00e1n\u00ed pen\u011bz podporuje, <strong>dojdou p\u0159\u00edjemci a\u017e do domu na jeho zahrani\u010dn\u00ed adresu,<\/strong> nebo si je lehce vyzvedne na m\u00edstn\u00ed po\u0161t\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Penze_v_oblce\">Pen\u00edze v ob\u00e1lce<\/h3>\n\n\n\n<p>Leckoho m\u016f\u017ee napadnout <strong>poslat pen\u00edze do zahrani\u010d\u00ed v ob\u00e1lce. <\/strong>V\u011b\u0159te, \u017ee to ale nen\u00ed rozumn\u00fd n\u00e1pad. Pen\u00edze jsou toti\u017e v ob\u00e1lce vid\u011bt, i kdy\u017e je vlo\u017e\u00edte do n\u011bkolika p\u0159ehnut\u00fdch list\u016f pap\u00edru. <\/p>\n\n\n\n<p>Minim\u00e1ln\u011b <strong>n\u011bkde vyleze r\u016f\u017eek bankovky<\/strong> a ob\u00e1lka se mnohdy ani nedostane na m\u00edsto ur\u010den\u00ed. <\/p>\n\n\n\n<p>Nav\u00edc m\u00e1 \u010cesk\u00e1 po\u0161ta<strong> ve sv\u00fdch p\u0159epravn\u00edch podm\u00ednk\u00e1ch, <\/strong>\u017ee pen\u00edze, cennosti a dal\u0161\u00ed jim podobn\u00e9 v\u011bci nep\u0159epravuje. Jsou tak pro p\u0159epravu <strong>v soupise zak\u00e1zan\u00fdch v\u011bc\u00ed.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ek\">\u0160ek<\/h3>\n\n\n\n<p>Mnohem rozumn\u011bj\u0161\u00ed je v tomto p\u0159\u00edpad\u011b <strong>poslat \u0161ek.<\/strong> Av\u0161ak proto\u017ee v \u010cesk\u00e9 republice <strong>nen\u00ed a\u017e takov\u00e1 tradice pos\u00edl\u00e1n\u00ed \u0161ek\u016f, <\/strong>mnoho bank u n\u00e1s takov\u00e9 slu\u017eby ani neposkytuje.<\/p>\n\n\n\n<p>Bu\u010f je nemaj\u00ed ve sv\u00e9 nab\u00eddce, nebo se s nimi \u00fa\u0159edn\u00edci na p\u0159ep\u00e1\u017ek\u00e1ch nesetk\u00e1vaj\u00ed a v\u00e1\u0161<strong> po\u017eadavek na posl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed <\/strong>pomoc\u00ed \u0161eku by nepadl na \u00farodnou p\u016fdu. <\/p>\n\n\n\n<p>Mnohem zaj\u00edmav\u011bj\u0161\u00ed tak je vyu\u017e\u00edt <strong>internetov\u00e9 pen\u011b\u017eenky.<\/strong> Nejen\u017ee po\u0161lete pen\u00edze kamkoli po sv\u011bt\u011b velmi rychle, ale nav\u00edc je <strong>m\u00e1 p\u0159\u00edjemce k dispozici<\/strong> doslova b\u011bhem n\u011bkolika vte\u0159in.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Western_Union\">Western Union<\/h3>V p\u0159\u00edpad\u011b, \u017ee chcete <strong>poslat pen\u00edze do zahrani\u010d\u00ed p\u0159es \u010ceskou po\u0161tu,<\/strong> ve v\u00edce ne\u017e 1000 po\u0161t\u00e1ch po cel\u00e9 \u010cesk\u00e9 republice v\u00e1m mohou nab\u00eddnout tak\u00e9 expresn\u00ed pen\u011b\u017en\u00ed p\u0159evody do zahrani\u010d\u00ed <strong>Western Union.<\/strong>\nProst\u0159ednictv\u00edm t\u00e9to slu\u017eby je zaji\u0161\u0165ov\u00e1no <strong>prov\u00e1d\u011bn\u00ed elektronick\u00fdch p\u0159evod\u016f pen\u011b\u017en\u00edch \u010d\u00e1stek<\/strong> do zahrani\u010d\u00ed a v\u00fdplaty pen\u011b\u017en\u00edch \u010d\u00e1stek do\u0161l\u00fdch ze zahrani\u010d\u00ed.\nV\u00fdhodou je, \u017ee <strong>Western Union<\/strong> m\u00e1 sv\u00e9 pobo\u010dky ve v\u00edce ne\u017e<strong> 195 zem\u00edch sv\u011bta. <\/strong>P\u0159evody mezi jednotliv\u00fdmi pracovi\u0161ti netrvaj\u00ed v\u00edce ne\u017e p\u00e1r minut.\n\u00a0\n\u00a0<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Revolut\">Revolut<\/h2>\n\n\n\n<p>Revolut p\u0159edstavuje v\u00fdhodn\u011bj\u0161\u00ed alternativu ke klasick\u00fdm bankovn\u00edm p\u0159evod\u016fm do zahrani\u010d\u00ed.<\/p>\n\n\n\n<p>Na rozd\u00edl od tradi\u010dn\u00edch metod, kter\u00e9 \u010dasto \u00fa\u010dtuj\u00ed vysok\u00e9 pau\u0161\u00e1ln\u00ed poplatky a trvaj\u00ed d\u00e9le, Revolut nab\u00edz\u00ed poplatky v rozmez\u00ed od 0,30 % do 2 % z p\u0159ev\u00e1d\u011bn\u00e9 \u010d\u00e1stky \u2013 konkr\u00e9tn\u00ed sazbu si m\u016f\u017eete snadno zkontrolovat p\u0159ed odesl\u00e1n\u00edm v aplikaci.<\/p>\n\n\n\n<p>Tento p\u0159\u00edstup nejen sni\u017euje n\u00e1klady, ale tak\u00e9 zaji\u0161\u0165uje transparentnost, tak\u017ee se vyhnete nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm a zbyte\u010dn\u00fdm v\u00fddaj\u016fm.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full shortcode-no\"><img decoding=\"async\" width=\"400\" height=\"529\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2024\/11\/image.png\" alt=\"\" class=\"wp-image-79752\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2024\/11\/image.png 400w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2024\/11\/image-227x300.png 227w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p>Dal\u0161\u00ed v\u00fdhodou Revolutu je \u00faspora na <strong>mezim\u011bnov\u00fdch sm\u011bn\u00e1ch.<\/strong> Bu\u010f m\u016f\u017eete m\u00edt \u00fa\u010det v t\u00e9 m\u011bn\u011b, kterou pos\u00edl\u00e1te, nap\u0159\u00edklad z eurov\u00e9ho \u00fa\u010dtu na jin\u00fd eurov\u00fd \u00fa\u010det v zahrani\u010d\u00ed. Pokud tomu tak nen\u00ed, Revolut nab\u00edz\u00ed jedny <strong>z nejv\u00fdhodn\u011bj\u0161\u00edch sm\u011bn\u00fdch kurz\u016f na trhu.<\/strong> <\/p>\n\n\n\n<p>U bezplatn\u00e9ho pl\u00e1nu Standard je m\u011bs\u00ed\u010dn\u00ed limit pro sm\u011bnu m\u011bn 25 000 K\u010d; po jeho p\u0159ekro\u010den\u00ed se \u00fa\u010dtuje poplatek 1 % z p\u0159ev\u00e1d\u011bn\u00e9 \u010d\u00e1stky. <strong>U pl\u00e1nu Plus je tento limit 75 000 K\u010d s poplatkem 0,5 % po jeho p\u0159ekro\u010den\u00ed. <\/strong>Pl\u00e1ny Premium, Metal a Ultra nemaj\u00ed \u017e\u00e1dn\u00fd limit pro sm\u011bnu a ne\u00fa\u010dtuj\u00ed poplatek za spravedliv\u00e9 pou\u017e\u00edv\u00e1n\u00ed.<\/p>\n\n\n\n<p>Pro v\u00edce informac\u00ed o tom, jak lze<strong> pos\u00edlat pen\u00edze do zahrani\u010d\u00ed p\u0159es Revolut,<\/strong> si p\u0159e\u010dt\u011bte na\u0161i podrobnou <a href=\"https:\/\/financera.cz\/spolecnost\/revolut\/\">Revolut recenzi.<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.cz\/spolecnost\/revolut\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  >Chci zkusit Revolut <\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Wise_Transferwise\">Wise (Transferwise)<\/h2>\n\n\n\n<p>Jednou z hlavn\u00edch v\u00fdhod <a href=\"https:\/\/financera.cz\/spolecnost\/wise\/\" data-type=\"link\" data-id=\"https:\/\/financera.cz\/spolecnost\/wise\/\">Wise <\/a>je pou\u017eit\u00ed st\u0159edov\u00e9ho bankovn\u00edho kurzu, co\u017e znamen\u00e1, \u017ee nep\u0159ich\u00e1z\u00edte o pen\u00edze na kurzov\u00fdch p\u0159ir\u00e1\u017ek\u00e1ch, jak tomu b\u00fdv\u00e1 u bank. <\/p>\n\n\n\n<p>Tento st\u0159edov\u00fd kurz je nav\u00edc <strong>garantov\u00e1n po dobu 48 hodin od zad\u00e1n\u00ed platby<\/strong>, co\u017e v\u00e1m poskytuje jistotu, \u017ee nep\u0159\u00edzniv\u00e9 kurzov\u00e9 zm\u011bny nezv\u00fd\u0161\u00ed n\u00e1klady p\u0159evodu. <\/p>\n\n\n\n<p><strong>Wise si \u00fa\u010dtuje jen velmi n\u00edzk\u00e9 poplatky v porovn\u00e1n\u00ed s klasick\u00fdmi bankami,<\/strong> \u010d\u00edm\u017e m\u016f\u017eete u\u0161et\u0159it v\u00fdrazn\u00e9 \u010d\u00e1stky \u2013 zejm\u00e9na p\u0159i \u010dast\u011bj\u0161\u00edch nebo vy\u0161\u0161\u00edch p\u0159evodech.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"1024\" height=\"431\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/01\/wise-aplikace-1024x431.png\" alt=\"\" class=\"wp-image-28616\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2022\/01\/wise-aplikace-1024x431.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2022\/01\/wise-aplikace-300x126.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2022\/01\/wise-aplikace-768x324.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2022\/01\/wise-aplikace-1536x647.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2022\/01\/wise-aplikace-2048x863.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Aplikace Wise je velmi jednoduch\u00e1 a intuitivn\u00ed.<\/figcaption><\/figure>\n\n\n\n<p>Aplikace je z\u00e1rove\u0148 jednoduch\u00e1 a intuitivn\u00ed, co\u017e usnad\u0148uje pou\u017eit\u00ed i t\u011bm, kte\u0159\u00ed nemaj\u00ed technick\u00e9 zku\u0161enosti. <strong>Krom\u011b mezin\u00e1rodn\u00edch p\u0159evod\u016f umo\u017e\u0148uje tak\u00e9 platby debetn\u00ed kartou v r\u016fzn\u00fdch m\u011bn\u00e1ch, co\u017e se hod\u00ed nap\u0159\u00edklad p\u0159i cestov\u00e1n\u00ed.<\/strong><\/p>\n\n\n\n<p><strong>Wise se tak pr\u00e1vem \u0159ad\u00ed mezi nejobl\u00edben\u011bj\u0161\u00ed slu\u017eby pro levn\u00e9 a rychl\u00e9 zahrani\u010dn\u00ed p\u0159evody<\/strong> a je ide\u00e1ln\u00ed volbou pro ty, kte\u0159\u00ed hledaj\u00ed zp\u016fsob, jak poslat pen\u00edze do zahrani\u010d\u00ed na \u00fa\u010det v\u00fdhodn\u011bji.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.cz\/spolecnost\/wise\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  >Chci zkusit Wise <\/a><\/div>\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Wise_vs_Revolut\">Wise vs Revolut<\/h3>V p\u0159\u00edpad\u011b, \u017ee se pt\u00e1te, jak\u00fd je vlastn\u011b <strong>rozd\u00edl mezi posledn\u00edmi dv\u011bma zp\u016fsoby <\/strong>pos\u00edl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed, si p\u0159e\u010dt\u011bte na\u0161i detailn\u00ed <a href=\"https:\/\/financera.cz\/blog\/wise-vs-revolut\/\">recenzi Wise vs Revolut.<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"PayPal\">PayPal<\/h2>\n\n\n\n<p><strong>Pos\u00edl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed <\/strong>p\u0159es PayPal je snadn\u00e9 a rychl\u00e9. V\u011bt\u0161ina plateb p\u0159es <strong>PayPal <\/strong>je tak\u00e9 zcela zdarma. Pro osobn\u00ed \u00fa\u010dty se plat\u00ed jen mal\u00fd <strong>poplatek za p\u0159ijat\u00e9 pen\u00edze. <\/strong>Nav\u00edc se jedn\u00e1 o skute\u010dn\u011b drobn\u00e9 \u010d\u00e1stky.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"727\" height=\"801\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/01\/web-paypal.jpg\" alt=\"\" class=\"wp-image-28625\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2022\/01\/web-paypal.jpg 727w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2022\/01\/web-paypal-272x300.jpg 272w\" sizes=\"(max-width: 727px) 100vw, 727px\" \/><\/figure><\/div>\n\n\n<p>Skoro kamkoli tak <strong>pen\u00edze do zahrani\u010d\u00ed po\u0161lete rychle,<\/strong> levn\u011b a velmi jednodu\u0161e. Sta\u010d\u00ed v\u00e1m zn\u00e1t jen emailovou adresu p\u0159\u00edjemce. P\u0159i\u010dem\u017e <strong>p\u0159\u00edjemce nemus\u00ed m\u00edt ani PayPal <\/strong>zalo\u017een\u00fd. <\/p>\n\n\n\n<p>Jakmile mu pen\u00edze po\u0161lete, slu\u017eba <strong>PayPal mu po\u0161le mail.<\/strong> Sv\u016fj osobn\u00ed \u00fa\u010det u PayPal si n\u00e1sledn\u011b p\u0159\u00edjemce zalo\u017e\u00ed za p\u00e1r vte\u0159in.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div>Pozor na to, aby si p\u0159\u00edjemce v\u016fbec mohl <strong>paypalov\u00fd \u00fa\u010det<\/strong> ve sv\u00e9 zemi zalo\u017eit. Slu\u017eba sice funguje u\u017e skoro po cel\u00e9m sv\u011bt\u011b, ale v n\u011bkter\u00fdch zem\u00edch st\u00e1le je\u0161t\u011b<strong> nem\u016f\u017ee fungovat kv\u016fli m\u00edstn\u00edm regulac\u00edm a z\u00e1kon\u016fm.<\/strong><\/div>\n\n\n<p>V\u00edce <strong>o internetov\u00e9 pen\u011b\u017eence PayPal<\/strong> p\u00ed\u0161eme na\u00a0<a href=\"https:\/\/financera.cz\/spolecnost\/paypal\/\">t\u00e9to str\u00e1nce<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_dotazy\">\u010casto kladen\u00e9 dotazy<\/h3><h4>Jak nejsnadn\u011bji poslat pen\u00edze do zahrani\u010d\u00ed?<\/h4><div class=\"faq_inner\">Jak jste se mohli do\u010d\u00edst v na\u0161em \u010dl\u00e1nku. Zp\u016fsob\u016f existuje rovnou n\u011bkolik je pak u\u017e jen na v\u00e1s, kter\u00fd v\u00e1m vyhovuje v\u00edc.\nVybrat si m\u016f\u017eete mezi tradi\u010dn\u011bj\u0161\u00edmi zp\u016fsoby, jako je bankovn\u00ed p\u0159evod nebo \u010desk\u00e1 po\u0161ta. Z\u00e1rove\u0148 v\u0161ak m\u016f\u017eete vyzkou\u0161et nov\u00e9 technick\u00e9 vychyt\u00e1vky a zalo\u017eit \u00fa\u010det na PayPal, Wise nebo Revolute.<\/div><h4>Je Revolut banka? <\/h4><div class=\"faq_inner\">Ano, Revolut p\u0159ed n\u011bkolika m\u011bs\u00edci z\u00edskal evropskou bankovn\u00ed licenci, co\u017e znamen\u00e1 \u017ee jsou povinni dodr\u017eovat v\u0161echna na\u0159\u00edzen\u00ed Evropsk\u00e9 unie t\u00fdkaj\u00edc\u00ed se ochrany pen\u011bz klient\u016f.\nZ\u00e1rove\u0148 mus\u00ed tak\u00e9 zajistit, aby v\u0161echny operace spole\u010dnosti byly v souladu s p\u0159\u00edslu\u0161n\u00fdmi z\u00e1kony proti pran\u00ed \u0161pinav\u00fdch pen\u011bz.<\/div><h4>Jak poslat pen\u00edze na Revolut?<\/h4><div class=\"faq_inner\">Je to naprosto jednoduch\u00e9. Jeliko\u017e je Revolut banka, pen\u00edze pos\u00edl\u00e1te \u00fapln\u011b stejn\u011b jako na ka\u017ed\u00fd jin\u00fd bankovn\u00ed \u00fa\u010det.\nPozor je t\u0159eba d\u00e1t pouze na to, \u017ee \u010d\u00edslo \u00fa\u010dtu mus\u00edte zad\u00e1vat ve form\u011b IBAN, p\u0159i\u010dem\u017e za\u010d\u00edn\u00e1 na LT, proto\u017ee spole\u010dnost po Brexitu virtu\u00e1ln\u011b s\u00eddl\u00ed v Litv\u011b.<\/div><h4>Jak poslat pen\u00edze na Slovensko?<\/h4><div class=\"faq_inner\">Pen\u00edze na Slovensko m\u016f\u017eete poslat stejn\u011b jako do ka\u017ed\u00e9 jin\u00e9 zem\u011b, kde se pou\u017e\u00edv\u00e1 euro, a sice prost\u0159ednictv\u00edm SEPA platby ve va\u0161\u00ed bance.\nZ\u00e1rove\u0148 m\u016f\u017eete vyzkou\u0161et i jin\u00e9 zp\u016fsoby, kter\u00e9 jsme zmi\u0148ovali v na\u0161em \u010dl\u00e1nku.<\/div><h4>Jak poslat pen\u00edze bez \u00fa\u010dtu?<\/h4><div class=\"faq_inner\">V p\u0159\u00edpad\u011b, \u017ee nejste dr\u017eitelem \u017e\u00e1dn\u00e9ho bankovn\u00edho \u00fa\u010dtu, je nejlep\u0161\u00ed alternativou vyu\u017e\u00edt slu\u017eeb \u010cesk\u00e9 po\u0161ty. V \u00favahu rovn\u011b\u017e spad\u00e1 poslat je formou \u0161eku.\nNikdy je v\u0161ak nepos\u00edlejte jen tak po\u0161tou v ob\u00e1lce!<\/div><h4>Jak poslat pen\u00edze na polsk\u00fd \u00fa\u010det<\/h4><div class=\"faq_inner\"><p>Nejjednodu\u0161\u0161\u00ed je vyu\u017e\u00edt <strong>SEPA platbu<\/strong> v eurech, kter\u00e1 je rychl\u00e1 a levn\u00e1, nebo slu\u017eby jako <strong>Wise<\/strong> a <strong>Revolut<\/strong>, pokud pot\u0159ebujete poslat polsk\u00e9 zlot\u00e9 s v\u00fdhodn\u011bj\u0161\u00edm kurzem. K p\u0159evodu pot\u0159ebujete <strong>IBAN<\/strong> a <strong>SWIFT\/BIC k\u00f3d<\/strong> polsk\u00e9 banky.<\/p><\/div><h4>jak dlouho trv\u00e1 p\u0159evod pen\u011bz do zahrani\u010d\u00ed<\/h4><div class=\"faq_inner\"><div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"a966b736-b2bf-4430-b414-ed31d0eb3067\" data-message-model-slug=\"gpt-4o\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert dark\">\n<p><strong>SEPA platby<\/strong> v EU trvaj\u00ed obvykle jeden pracovn\u00ed den. <strong>SWIFT platby<\/strong> mimo EU trvaj\u00ed obvykle 2-5 dn\u00ed. <strong>Online slu\u017eby<\/strong> jako Wise nebo Revolut jsou ale zna\u010dn\u011b rychlej\u0161\u00ed, p\u0159evod \u010dasto prob\u011bhne b\u011bhem n\u011bkolika hodin.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>A\u0165 u\u017e se jedn\u00e1 o platbu za zahrani\u010dn\u00ed n\u00e1kup, rezervaci dovolen\u00e9 p\u0159es zahrani\u010dn\u00ed cestovn\u00ed kancel\u00e1\u0159 nebo p\u0159evod pen\u011bz p\u0159\u00e1tel\u016fm \u010di\u2026 <\/p>\n","protected":false},"author":38180,"featured_media":41092,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1195],"tags":[],"_links":{"self":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/posts\/9757"}],"collection":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/users\/38180"}],"replies":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/comments?post=9757"}],"version-history":[{"count":49,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/posts\/9757\/revisions"}],"predecessor-version":[{"id":79759,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/posts\/9757\/revisions\/79759"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/media\/41092"}],"wp:attachment":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/media?parent=9757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/categories?post=9757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/tags?post=9757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}