{"id":30401,"date":"2026-01-23T15:48:43","date_gmt":"2026-01-23T14:48:43","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/zakon-o-sprjecavanju-pranja-novca-za-privatne-osobe-sto-trebate-znati\/"},"modified":"2026-10-27T16:44:54","modified_gmt":"2026-10-27T15:44:54","slug":"zakon-o-sprjecavanju-pranja-novca-za-privatne-osobe-sto-trebate-znati","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/zakon-o-sprjecavanju-pranja-novca-za-privatne-osobe-sto-trebate-znati\/","title":{"rendered":"Zakon o sprje\u010davanju pranja novca za privatne osobe: \u0160to trebate znati"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30401\" class=\"elementor elementor-30401 elementor-30089\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e51943f e-flex e-con-boxed e-con e-parent\" data-id=\"e51943f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2279de elementor-widget elementor-widget-text-editor\" data-id=\"e2279de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPranje novca je kompleksna i \u010desto pogre\u0161no shva\u0107ena tema, koja je ipak od zna\u010daja za svakog gra\u0111anina. Rije\u010d je o procesu u kojem se ilegalno ste\u010den novac ubacuje u legalne financijske i gospodarske tijekove kako bi se prikrilo njegovo ilegalno podrijetlo. Ovaj \u010dlanak pru\u017eit \u0107e vam sveobuhvatan pregled teme Zakona o sprje\u010davanju pranja novca iz perspektive privatne osobe.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a19f6f0 e-con-full e-flex e-con e-child\" data-id=\"a19f6f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f18689 elementor-widget elementor-widget-heading\" data-id=\"5f18689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Najva\u017enije ukratko<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5a2c88 elementor-widget elementor-widget-text-editor\" data-id=\"f5a2c88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>I privatne osobe trebaju imati na umu Zakon o sprje\u010davanju pranja novca: Kod pla\u0107anja iznad 10.000 \u20ac vrijedi obveza dokazivanja. Kupac mora mo\u0107i pokazati odakle novac potje\u010de. <\/li><li>Dokazi o podrijetlu novca mogu biti: ra\u010duni, potvrde, priznanice, ugovori o darovanju, bankovni izvadci itd.<\/li><li>Obveza prijave: U slu\u010daju sumnje na pranje novca, poduze\u0107a i privatne osobe du\u017eni su podnijeti prijavu nadle\u017enim tijelima.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acdd790 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"acdd790\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSadr\u017eaj\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__acdd790\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__acdd790\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__acdd790\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7a8790 e-con-full e-flex e-con e-child\" data-id=\"b7a8790\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da1cbb1 elementor-widget elementor-widget-spacer\" data-id=\"da1cbb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87dcae4 elementor-widget elementor-widget-heading\" data-id=\"87dcae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kratak pregled: Zakon o sprje\u010davanju pranja novca<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4293959 elementor-widget elementor-widget-text-editor\" data-id=\"4293959\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Zakon o sprje\u010davanju pranja novca (skra\u0107eno: <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/\" target=\"_blank\" rel=\"noopener\">GwG<\/a>) prvi je put usvojen 1991. godine. On je sredi\u0161nji instrument u borbi protiv <strong>ilegalnih nov\u010danih transakcija<\/strong> i financijskog kriminala te utvr\u0111uje pravila za sprje\u010davanje pranja novca i financiranja terorizma. Razli\u010dite institucije poput banaka, osiguravaju\u0107ih dru\u0161tava i drugih sektora du\u017ene su identificirati svoje klijente, prijaviti sumnjive transakcije i uspostaviti unutarnje kontrole. Cilj je u\u010diniti financijske tijekove transparentnijima i oja\u010dati suradnju izme\u0111u tijela vlasti kako bi se otkrile i suzbile kriminalne aktivnosti.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ded47e elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"4ded47e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4706ab8 elementor-widget elementor-widget-heading\" data-id=\"4706ab8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Je li Zakon o sprje\u010davanju pranja novca relevantan i za privatne osobe?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05289d6 elementor-widget elementor-widget-text-editor\" data-id=\"05289d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Zakon o sprje\u010davanju pranja novca uvijek prvo postavlja pitanje o <strong>podrijetlu novca<\/strong> kod transakcije. U tom kontekstu mo\u017ee se dogoditi da privatne osobe i poduze\u0107a nenamjerno prekr\u0161e GwG. To se mo\u017ee dogoditi kada se proizvodi ili usluge kupuju gotovinom ili se ona upla\u0107uje na teku\u0107i ra\u010dun. Iznad granice od <strong>10.000 \u20ac<\/strong> mora se mo\u0107i dokazati podrijetlo novca. Kako bi se to osiguralo, preporu\u010duje se imati spremne razli\u010dite <strong>dokaze o transakcijama<\/strong> ili druga dokazna sredstva o podrijetlu novca. To uklju\u010duje:     <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de21226 elementor-widget elementor-widget-text-editor\" data-id=\"de21226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Priznanice o podizanju gotovine iz druge banke<\/li><li>Ra\u010duni i potvrde<\/li><li>Oporuka, ugovori o darovanju, rje\u0161enje o naslje\u0111ivanju itd.<\/li><li>Trenuta\u010dni bankovni izvadci s podacima o podizanju gotovine<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-894c943 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"894c943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86f7acd elementor-widget elementor-widget-heading\" data-id=\"86f7acd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0160to se doga\u0111a ako \u017eelim izvr\u0161iti prijenos iznad 10.000 \u20ac?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b116c8 elementor-widget elementor-widget-text-editor\" data-id=\"3b116c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u010cim prijenos prema\u0161i iznos od 10.000 \u20ac, va\u0161a banka vam mora dostaviti odgovaraju\u0107i <strong>obrazac<\/strong> u skladu s odredbama Zakona o sprje\u010davanju pranja novca. Njega popunjavate svojim osobnim podacima i informacijama o transakciji te ga \u0161aljete natrag. Osim banke, mo\u017ee se dogoditi da i porezna uprava postavi dodatna pitanja o transakciji.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7970f9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"b7970f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08c6cf1 elementor-widget elementor-widget-heading\" data-id=\"08c6cf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Prijava sumnje na pranje novca pri kupnji automobila<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db95422 elementor-widget elementor-widget-text-editor\" data-id=\"db95422\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pri kupnji automobila treba paziti da se pla\u0107anje <strong>ne vr\u0161i gotovinom<\/strong>. Ako ipak do\u0111e do toga, moraju se po\u0161tovati strogi propisi Zakona o sprje\u010davanju pranja novca.  <\/p><p>Zakon se primjenjuje od iznosa od 10.000 eura. Prodavatelj je du\u017ean identificirati kupca (provjera identifikacijskog dokumenta) i izraditi <strong>analizu rizika<\/strong>. Cilj pritom mora biti osiguravanje da podrijetlo novca dolazi iz legalnih izvora. U slu\u010daju sumnjivih transakcija mora se podnijeti prijava nadle\u017enom tijelu (<a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">FIU<\/a>).   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-972691b elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"972691b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f64b1a elementor-widget elementor-widget-heading\" data-id=\"0f64b1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obrazac za identifikaciju fizi\u010dkih osoba prema Zakonu o sprje\u010davanju pranja novca<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96ee9f4 elementor-widget elementor-widget-text-editor\" data-id=\"96ee9f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ne postoji jedinstveni obrazac za identifikaciju fizi\u010dkih osoba prema Zakonu o sprje\u010davanju pranja novca (GwG) koji se koristi na razini cijele Njema\u010dke. To\u010dni zahtjevi i postupci mogu varirati ovisno o bran\u0161i i vrsti poslovnog odnosa. <strong>Obveze identifikacije<\/strong> regulirane su u razli\u010ditim sektorima, uklju\u010duju\u0107i banke, osiguranja, pru\u017eatelje financijskih usluga i druga poduze\u0107a koja podlije\u017eu GwG-u.  <\/p><p>Mi u Nectu razvili smo alat koji vam omogu\u0107uje da svoje <a href=\"https:\/\/nect.com\/hr\/proizvodi\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">klijente jednostavno identificirate online u skladu s GwG-om<\/a>. Kontaktirajte nas za kratki uvod u proizvod i mo\u017eete odmah po\u010deti. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5d5a7 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"5e5d5a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90142f3 e-con-full e-flex e-con e-child\" data-id=\"90142f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b23e385 elementor-widget elementor-widget-heading\" data-id=\"b23e385\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kako Nect poma\u017ee?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a903f85 elementor-widget elementor-widget-text-editor\" data-id=\"a903f85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUbrzajte svoje procese uskla\u0111enosti jednostavno i pravno sigurno: Upoznajte Nect, provjerenu platformu za <b>odvjetnike, porezne savjetnike, javne bilje\u017enike, revizore i agente za nekretnine<\/b>. 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Saznajte na \u0161to morate paziti. <\/p>\n","protected":false},"author":3,"featured_media":30402,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[736,735],"class_list":["post-30401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulativa","tag-uskladenost"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Zakon o sprje\u010davanju pranja novca za privatne osobe: \u0160to trebate znati - Nect<\/title>\n<meta name=\"description\" content=\"Zakon o sprje\u010davanju pranja novca za privatne osobe: Kod pla\u0107anja iznad 10.000 \u20ac vrijedi obveza dokazivanja. 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