[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.adamsr.sk\/sepa-co-to-vlastne-znamena\/#Article","mainEntityOfPage":"https:\/\/www.adamsr.sk\/sepa-co-to-vlastne-znamena\/","headline":"SEPA \u2013 \u010do to vlastne znamen\u00e1?","name":"SEPA \u2013 \u010do to vlastne znamen\u00e1?","description":"Single Euro Payments Area, zn\u00e1mej\u0161ia pod skratkou SEPA je nov\u00fdm n\u00e1strojom na uskuto\u010d\u0148ovanie bankov\u00fdch prevodov v\u00a0eur\u00e1ch. Tento pojem m\u00e1 za cie\u013e zharmonizovanie vn\u00fatro\u0161t\u00e1tnych a\u00a0zahrani\u010dn\u00fdch prevodov.","datePublished":"2019-11-11","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.adamsr.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.adamsr.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"adamsr.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.adamsr.sk\/wp-content\/uploads\/img_a300699_w16622_t1558012191.jpg","url":"https:\/\/www.adamsr.sk\/wp-content\/uploads\/img_a300699_w16622_t1558012191.jpg","height":0,"width":0},"url":"https:\/\/www.adamsr.sk\/sepa-co-to-vlastne-znamena\/","wordCount":322,"articleBody":"Single Euro Payments Area, zn\u00e1mej\u0161ia pod skratkou SEPA je nov\u00fdm n\u00e1strojom na uskuto\u010d\u0148ovanie bankov\u00fdch prevodov v\u00a0eur\u00e1ch. Tento pojem m\u00e1 za cie\u013e zharmonizovanie vn\u00fatro\u0161t\u00e1tnych a\u00a0zahrani\u010dn\u00fdch prevodov. Od roku 2018 pozost\u00e1va oblas\u0165 zjednodu\u0161en\u00fdch bankov\u00fdch prevodov z\u00a0\u010dlensk\u00fdch \u0161t\u00e1tov Eur\u00f3pskej \u00fanie spolu so \u0161tyrmi \u010dlensk\u00fdmi \u0161t\u00e1tmi Eur\u00f3pskeho zdru\u017eenia vo\u013en\u00e9ho obchodu.\u00a0Ktor\u00e9 krajiny podporuj\u00fa SEPA? \u00a0Medzi krajiny, ktor\u00e9 SEPA prevody podporuj\u00fa patria Andorra, Rak\u00fasko, Belgicko, Bulharsko, Chorv\u00e1tsko, Cyprus, \u010cesk\u00e1 republika, D\u00e1nsko, Est\u00f3nsko, F\u00ednsko, Franc\u00fazsko, Nemecko, Gibralt\u00e1r, Gr\u00e9cko, Ma\u010farsko, \u00cdrsko, Island, Taliansko, Litva, Lichten\u0161tajnsko, Loty\u0161sko, Luxembursko, Malta, Monako, Holandsko, N\u00f3rsko, Po\u013esko, Portugalsko, Rumunsko, San Marino, Slovensko, Slovinsko, \u0160panielsko, \u0160v\u00e9dsko, \u0160vaj\u010diarsko, Vatik\u00e1n a\u00a0Ve\u013ek\u00e1 Brit\u00e1nia.\u00a0Povinnosti poskytovate\u013eov bankov\u00fdch slu\u017eieb\u00a0SEPA zabezpe\u010duje, aby mali platby v\u0161etk\u00fdch subjektov za pou\u017eitia kreditnej alebo debetnej karty, medzibankov\u00e9ho prevodu a\u00a0piameho inkasa rovnak\u00e9 podmienky. Plat\u00ed to pre v\u0161etk\u00fdch pou\u017e\u00edvate\u013eov platobn\u00fdch transakci\u00ed. Single Euro Payments Area z\u00e1rove\u0148 bez v\u00fdnimky naria\u010fuje rovnak\u00e9 povinnosti pre poskytovate\u013eov bankov\u00fdch slu\u017eieb.\u00a0Ako presne funguj\u00fa SEPA prevody?\u00a0Pre potreby SEPA prevodov a\u00a0platobnej integr\u00e1cie v\u00a0Eu\u00f3pe, ktor\u00e9 v\u00fdrazne zjednodu\u0161uj\u00fa, okrem in\u00e9ho, aj nakupovanie online boli zaveden\u00e9 identifika\u010dn\u00e9 k\u00f3dy banky alebo takzvan\u00e9 BIC k\u00f3dy (Bank Identifier Codes) a\u00a0\u010d\u00edsla medzin\u00e1rodn\u00fdch bankov\u00e1\u00fdch \u00fa\u010dtov, teda IBAN (International Bank Account Numbers).\u00a0Nielen pri posielan\u00ed ale aj prij\u00edman\u00ed SEPA platieb je nutn\u00e9 pozna\u0165 svoj IBAN a\u00a0BIC k\u00f3d. Trvanie cezhrani\u010dn\u00e9 platby vr\u00e1mci z\u00f3ny SEPA je 1-2 dni a\u00a0navy\u0161e dostali banky \u010derven\u00fa v\u00a0aplikovan\u00ed zr\u00e1\u017eok z\u00a0prevedenej sumy. Inform\u00e1cie o\u00a0poplatkoch s\u00fa transparentnej\u0161ie a\u00a0\u010do je d\u00f4le\u017eit\u00e9, jednotn\u00e9.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"SEPA \u2013 \u010do to vlastne znamen\u00e1?","item":"https:\/\/www.adamsr.sk\/sepa-co-to-vlastne-znamena\/#breadcrumbitem"}]}]