{"id":30576,"date":"2026-01-18T15:36:10","date_gmt":"2026-01-18T14:36:10","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/zakon-o-pranju-novca-i-gotovinsko-placanje-svi-propisi-na-jednom-mjestu\/"},"modified":"2026-10-27T17:08:50","modified_gmt":"2026-10-27T16:08:50","slug":"zakon-o-pranju-novca-i-gotovinsko-placanje-svi-propisi-na-jednom-mjestu","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/zakon-o-pranju-novca-i-gotovinsko-placanje-svi-propisi-na-jednom-mjestu\/","title":{"rendered":"Zakon o pranju novca i gotovinsko pla\u0107anje: Svi propisi na jednom mjestu"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30576\" class=\"elementor elementor-30576 elementor-30081\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f539843 e-flex e-con-boxed e-con e-parent\" data-id=\"f539843\" 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-46db84e elementor-widget elementor-widget-text-editor\" data-id=\"46db84e\" 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><a href=\"https:\/\/nect.com\/media\/blog\/bargeldobergrenze-bald-auch-in-deutschland\/\" target=\"_blank\" rel=\"noopener\">Gotovinsko pla\u0107anje<\/a> i Zakon o pranju novca dvije su teme koje su usko povezane. U ovom \u0107emo \u010dlanku detaljnije razmotriti <a href=\"https:\/\/nect.com\/hr\/media\/blog\/pranje-novca-ovo-svakako-trebate-znati\/\" target=\"_blank\" rel=\"noopener\">Zakon o pranju novca<\/a> i istra\u017eiti kakav utjecaj ima na gotovinsko pla\u0107anje. Osim toga, pogledat \u0107emo u budu\u0107nost i raspravljati o mogu\u0107im trendovima i promjenama vezanim uz ove teme.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae882c7 e-con-full e-flex e-con e-child\" data-id=\"ae882c7\" 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-0151bc9 elementor-widget elementor-widget-heading\" data-id=\"0151bc9\" 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-1953b58 elementor-widget elementor-widget-text-editor\" data-id=\"1953b58\" 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>\n \t<li>Za gotovinske iznose ve\u0107e od <strong>10.000 \u20ac<\/strong> postoji obveza provjere sukladno Zakonu o pranju novca.<\/li>\n \t<li>Prilikom <strong>kupnje plemenitih metala<\/strong>, prag za gotovinsko pla\u0107anje iznosi <strong>2.000 \u20ac<\/strong>. Iznad tog iznosa kupac mora biti provjeren prema propisima Zakona o pranju novca. <\/li>\n<li><strong>Gotovinske uplate<\/strong> na vlastiti bankovni ra\u010dun iznad 10.000 \u20ac provjeravaju se zbog <strong>aktivnosti pranja novca<\/strong>.<\/li>\n<\/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-d48488e elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"d48488e\" 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__d48488e\" 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__d48488e\" 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__d48488e\" 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-4f47e85 e-con-full e-flex e-con e-child\" data-id=\"4f47e85\" 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-371f094 elementor-widget elementor-widget-spacer\" data-id=\"371f094\" 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-0e83f35 elementor-widget elementor-widget-heading\" data-id=\"0e83f35\" 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\">Razumijevanje Zakona o pranju novca<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-530e5e8 elementor-widget elementor-widget-text-editor\" data-id=\"530e5e8\" 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 pranju novca je <b>skup zakona i propisa<\/b> koji slu\u017ee za borbu protiv ilegalnih nov\u010danih tokova i za\u0161titu financijskog svijeta od ubacivanja ilegalno ste\u010denog novca.<\/p><p>Razli\u010diti propisi osiguravaju da ih financijske institucije i druga poduze\u0107a po\u0161tuju kako bi se sprije\u010dilo prihva\u0107anje ili proslje\u0111ivanje novca koji potje\u010de iz ilegalnih izvora. Glavni cilj Zakona o pranju novca je pove\u0107ati transparentnost u financijskom svijetu i sprije\u010diti aktivnosti pranja novca. <\/p><p>Zakon o pranju novca ne odnosi se samo na <a href=\"https:\/\/nect.com\/hr\/industrije\/bankarstvo-i-financijske-usluge\/\" target=\"_blank\" rel=\"noopener\"><b>banke i financijske institucije<\/b><\/a>, ve\u0107 i na druga poduze\u0107a koja rukuju velikim nov\u010danim iznosima, kao \u0161to su <b>agenti za nekretnine, odvjetnici, porezni savjetnici, draguljari i <a href=\"https:\/\/nect.com\/hr\/industrije\/drzavne-lutrije\/\" target=\"_blank\" rel=\"noopener\">kockarnice<\/a><\/b>. Ta poduze\u0107a tako\u0111er moraju po\u0161tivati propise Zakona o pranju novca i <b>prijavljivati sumnjive aktivnosti<\/b>. <\/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-050feb6 elementor-widget elementor-widget-spacer\" data-id=\"050feb6\" 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-cfae492 elementor-widget elementor-widget-heading\" data-id=\"cfae492\" 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\">Gotovinsko pla\u0107anje i njegove posebnosti<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff907f elementor-widget elementor-widget-text-editor\" data-id=\"1ff907f\" 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>Gotovinsko pla\u0107anje je oblik prijenosa novca kod kojeg se pla\u0107anja vr\u0161e u <b>fizi\u010dkom obliku novca<\/b>. Za razliku od elektroni\u010dkih pla\u0107anja, kod kojih se novac prenosi bankovnim transferima ili transakcijama kreditnim karticama, gotovinsko pla\u0107anje je izravno i trenuta\u010dno. <\/p><p>Gotovinsko pla\u0107anje ima svoje prednosti i nedostatke. Jedna od prednosti je <b>trenuta\u010dna dostupnost<\/b> novca. Klijenti mogu brzo i jednostavno platiti, bez \u010dekanja na potvrde pla\u0107anja. Osim toga, gotovinsko pla\u0107anje omogu\u0107uje <b>za\u0161titu privatnosti<\/b>, jer nema elektroni\u010dkih zapisa transakcija.   <\/p><p>Me\u0111utim, postoje i nedostaci gotovinskog pla\u0107anja. Fizi\u010dki novac mo\u017ee biti <b>ukraden ili izgubljen<\/b>. Osim toga, gotovinsko pla\u0107anje <b>ote\u017eava<\/b> <b>nadzor nov\u010danih tokova<\/b> i po\u0161tivanje Zakona o pranju novca.  <\/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-073e2c2 elementor-widget elementor-widget-spacer\" data-id=\"073e2c2\" 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-b5c7f38 elementor-widget elementor-widget-heading\" data-id=\"b5c7f38\" 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 povijesni pregled gotovine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97fe02e elementor-widget elementor-widget-text-editor\" data-id=\"97fe02e\" 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>Povijest gotovinskog pla\u0107anja se\u017ee daleko u pro\u0161lost. Ve\u0107 u <b>antici<\/b> je bilo uobi\u010dajeno pla\u0107ati robu i usluge fizi\u010dkim novcem. Tada se novac uglavnom sastojao od kovanica izra\u0111enih od vrijednih metala poput zlata i srebra. Te su kovanice prihva\u0107ane kao sredstvo pla\u0107anja i kori\u0161tene u mnogim razli\u010ditim kulturama.   <\/p><p>Tijekom vremena, monetarni sustav se razvijao i uvedene su razli\u010dite vrste nov\u010danica. Te su nov\u010danice <b>izdavale vlade i sredi\u0161nje banke<\/b> i imale su fiksnu vrijednost. Ljudi su mogli pla\u0107ati tim nov\u010danicama prihva\u0107aju\u0107i ih kao sredstvo pla\u0107anja.  <\/p><p>U nekim zemljama gotovinsko pla\u0107anje je <b>i dalje dominantna metoda pla\u0107anja<\/b>, dok u drugim zemljama dominiraju elektroni\u010dka pla\u0107anja. Te razlike odra\u017eavaju razli\u010dite <b>ekonomske i kulturne uvjete<\/b> koji postoje u razli\u010ditim dijelovima svijeta. <\/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-2e6141f elementor-widget elementor-widget-spacer\" data-id=\"2e6141f\" 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-0e7d208 elementor-widget elementor-widget-heading\" data-id=\"0e7d208\" 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\">Za\u0161to je gotovina va\u017ena?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7810b8d elementor-widget elementor-widget-text-editor\" data-id=\"7810b8d\" 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>Gotovina nije samo sredstvo pla\u0107anja, ve\u0107 i <b>simbol povijesti i identiteta zemlje<\/b>. Mnoge zemlje imaju vlastite jedinstvene kovanice i nov\u010danice, ukra\u0161ene nacionalnim simbolima i povijesnim li\u010dnostima. <\/p><p>Gotovinsko pla\u0107anje tako\u0111er ima <b>utjecaj na gospodarstvo<\/b>. U nekim se zemljama tvrdi da kori\u0161tenje fizi\u010dkog novca <b>ja\u010da lokalno gospodarstvo<\/b>, jer se novac izravno stavlja u optjecaj i koristi lokalnim poduze\u0107ima. S druge strane, tvrdi se da su elektroni\u010dka pla\u0107anja u\u010dinkovitija i podr\u017eavaju gospodarstvo br\u017eim transakcijama i boljim pra\u0107enjem nov\u010danih tokova.  <\/p><p>Postoje i odre\u0111ene situacije u kojima se preferira gotovinsko pla\u0107anje. Na primjer, neke <b>male trgovine i tr\u017enice mogu prihva\u0107ati samo gotovinsko pla\u0107anje<\/b>, jer mo\u017eda <b>nemaju infrastrukturu za elektroni\u010dka pla\u0107anja<\/b>. Osim toga, neki ljudi preferiraju gotovinsko pla\u0107anje kako bi bolje pratili svoje tro\u0161kove i izbjegli zadu\u017eivanje.  <\/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-5510e22 elementor-widget elementor-widget-spacer\" data-id=\"5510e22\" 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-7379d27 elementor-widget elementor-widget-heading\" data-id=\"7379d27\" 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\">Zakon o pranju novca i gotovinsko pla\u0107anje: Slo\u017een odnos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a207af3 elementor-widget elementor-widget-text-editor\" data-id=\"a207af3\" 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>Odnos izme\u0111u Zakona o pranju novca i gotovinskog pla\u0107anja je slo\u017een. S jedne strane, Zakon o pranju novca ima za cilj borbu protiv ilegalnih nov\u010danih tokova i pove\u0107anje transparentnosti u financijskom svijetu. <b>Gotovinsko pla\u0107anje ote\u017eava nadzor nov\u010danih tokova<\/b>, a time i provedbu Zakona o pranju novca.  <\/p><p>Zakon o pranju novca name\u0107e stroga pravila financijskim institucijama i poduze\u0107ima kako bi se osiguralo da ne prihva\u0107aju ili proslje\u0111uju ilegalni novac. To uklju\u010duje provo\u0111enje postupaka identifikacije klijenata i dokumentiranje transakcija. Me\u0111utim, ove <b>mjere su te\u017ee provodive kod gotovinskog pla\u0107anja<\/b>, jer <b>nema elektroni\u010dkih zapisa<\/b>, a klijenti mogu ostati anonimni.  <\/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-c5b56f9 elementor-widget elementor-widget-spacer\" data-id=\"c5b56f9\" 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-6580eea elementor-widget elementor-widget-heading\" data-id=\"6580eea\" 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 propisuje Zakon o pranju novca u vezi s gotovinskim pla\u0107anjima<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b11daa0 elementor-widget elementor-widget-heading\" data-id=\"b11daa0\" 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\">Koliki je gornji limit za gotovinska pla\u0107anja?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97b00bc elementor-widget elementor-widget-text-editor\" data-id=\"97b00bc\" 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>Od 1. sije\u010dnja 2020. u Njema\u010dkoj vrijedi zakonski gornji limit za gotovinska pla\u0107anja u okviru <b>poslova izme\u0111u poduzetnika<\/b> (B2B poslovi). Taj <b>gornji limit iznosi 10.000 \u20ac<\/b>. To zna\u010di da gotovinska pla\u0107anja u ovom kontekstu ne smiju biti ve\u0107a od 10.000 \u20ac.  <\/p><p>Za <b>poslove izme\u0111u potro\u0161a\u010da i poduzetnika<\/b> (B2C poslovi) <b>ne postoji eksplicitan zakonski gornji limit<\/b> za gotovinska pla\u0107anja. Va\u017eno je napomenuti da se gotovinska pla\u0107anja iznad 10.000 \u20ac u Njema\u010dkoj pod odre\u0111enim okolnostima smatraju sumnjivima i podlije\u017eu <b>obvezama prijave prema Zakonu o pranju novca<\/b>. U takvim slu\u010dajevima, pru\u017eatelj platnih usluga ili kreditna institucija mora prijaviti transakciju <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Jedinici za financijsko obavje\u0161tavanje (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-491831b elementor-widget elementor-widget-heading\" data-id=\"491831b\" 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\">Postoji li obveza prijave i obveza dokazivanja za gotovinska pla\u0107anja?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b39f5a7 elementor-widget elementor-widget-text-editor\" data-id=\"b39f5a7\" 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\tDa, u Njema\u010dkoj postoji i obveza prijave i obveza dokazivanja za gotovinska pla\u0107anja, posebno u okviru Zakona o pranju novca (GwG).\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-1032e28 elementor-widget elementor-widget-text-editor\" data-id=\"1032e28\" 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<ol>\n \t<li style=\"padding-bottom: 12px;\"><strong>Obveza prijave:<\/strong> Prema Zakonu o pranju novca, kreditne institucije, pru\u017eatelji financijskih usluga i odre\u0111ene druge strukovne skupine obvezni su <strong>transakcije koje iznose 10.000 \u20ac ili vi\u0161e<\/strong> <strong>prijaviti<\/strong> nadle\u017enim tijelima. To se odnosi na gotovinska pla\u0107anja, elektroni\u010dke prijenose i druge financijske transakcije. <\/li>\n <li><strong>Obveza dokazivanja:<\/strong> Kod gotovinskih pla\u0107anja iznad 10.000 \u20ac postoji obveza <strong>utvr\u0111ivanja i bilje\u017eenja<\/strong> identiteta ugovornih strana. To zna\u010di da su <strong>poduzetnici obvezni<\/strong> provjeriti <strong>osobne podatke<\/strong> svojih poslovnih partnera i <strong>dokumentirati transakciju<\/strong>. To se mora u\u010diniti u roku od <strong>\u010detiri tjedna<\/strong> nakon sklapanja poslovnog odnosa.  <\/li>\n<\/ol>\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-0177b12 elementor-widget elementor-widget-text-editor\" data-id=\"0177b12\" 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>Va\u017eno je napomenuti da se obveza prijave ne odnosi samo na banke, ve\u0107 i na druge industrije, uklju\u010duju\u0107i <b>agente za nekretnine, draguljare, javne bilje\u017enike i druge navedene u <\/b><a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\"><b>\u00a7 2 GwG<\/b><\/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-0c0272a elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"0c0272a\" 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-102b257 e-con-full e-flex e-con e-child\" data-id=\"102b257\" 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-a6268f6 elementor-widget elementor-widget-heading\" data-id=\"a6268f6\" 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-5c1f682 elementor-widget elementor-widget-text-editor\" data-id=\"5c1f682\" 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>. Po\u0161aljite nam upit i osigurajte pristup u\u010dinkovitim, sigurnim i prakti\u010dnim rje\u0161enjima za svoje klijente \u2013 iskoristite sada izbor mnogih renomiranih odvjetni\u010dkih ureda. \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-6a9fbad elementor-widget elementor-widget-image\" data-id=\"6a9fbad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-30354\" alt=\"Preglednik s KYB procjenom rizika KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\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-2788fed elementor-widget elementor-widget-button\" data-id=\"2788fed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Dogovorite demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-f4c0c2b elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"f4c0c2b\" 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-2f08709 elementor-widget elementor-widget-heading\" data-id=\"2f08709\" 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\">\u0160to se doga\u0111a s gotovinskim pla\u0107anjima iznad 10.000 \u20ac?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f055e7c elementor-widget elementor-widget-text-editor\" data-id=\"f055e7c\" 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>Kod gotovinskih pla\u0107anja iznad 10.000 \u20ac u Njema\u010dkoj postoji obveza prijave za kreditne institucije i odre\u0111ene strukovne skupine. Osim toga, poduzetnici moraju provjeriti i dokumentirati identitet svojih ugovornih strana. <b>Nepo\u0161tivanje<\/b> ovih propisa mo\u017ee dovesti do <b>nov\u010danih kazni<\/b> i <b>kaznenopravnih posljedica<\/b>. To\u010dne nov\u010dane kazne mogu se prona\u0107i u <a href=\"https:\/\/www.bva.bund.de\/SharedDocs\/Downloads\/DE\/Aufgaben\/ZMV\/Transparenzregister\/Transparenzregister_Bussgeldk_03.pdf?__blob=publicationFile&#038;v=4\" target=\"_blank\" rel=\"noopener\">katalogu kazni<\/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-7525354 elementor-widget elementor-widget-heading\" data-id=\"7525354\" 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\">Koja posebna pravila vrijede za draguljare?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfdc032 elementor-widget elementor-widget-text-editor\" data-id=\"cfdc032\" 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\tDraguljari, kao i drugi trgovci luksuznom robom, tako\u0111er su obvezni provjeriti identitet kupca i provesti analizu rizika kada gotovinski prag prije\u0111e 10.000 \u20ac. Cilj je dokazati izvor novca i time sprije\u010diti pranje novca.  \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-64b434a elementor-widget elementor-widget-heading\" data-id=\"64b434a\" 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\">\u0160to javni bilje\u017enici moraju uzeti u obzir pri kupnji nekretnina?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b09d1 elementor-widget elementor-widget-text-editor\" data-id=\"a2b09d1\" 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><a href=\"https:\/\/www.buzer.de\/gesetz\/15667\/index.htm\" target=\"_blank\" rel=\"noopener\">Drugi zakon o provedbi sankcija<\/a> (SDG II) stupio je na snagu krajem 2022. godine, a s njim povezane izmjene Zakona o pranju novca (GwG) postupno postaju relevantne. Od 1. travnja <b>vi\u0161e nije dopu\u0161teno pla\u0107anje nekretnina gotovinom<\/b>. SDG II je \u010dlanak zakona koji mijenja razli\u010dite zakone, uklju\u010duju\u0107i i Zakon o pranju novca.  <\/p><p>Zabrana gotovinskog pla\u0107anja odnosi se na pravne poslove koji se sklapaju <b>nakon 1. travnja 2023.<\/b> (\u00a7 59. st. 11. GwG). Kako bi se to osiguralo, ugovorne strane moraju <b>dokazati<\/b> javnom bilje\u017eniku da pla\u0107anje nekretnine nije izvr\u0161eno gotovinom. <b>Javni bilje\u017enik je obvezan provjeriti taj dokaz<\/b>. U slu\u010daju kr\u0161enja zabrane gotovinskog pla\u0107anja i obveze dokazivanja, javni bilje\u017enik to mora prijaviti Jedinici za financijsko obavje\u0161tavanje (FIU).   <\/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-8dc1c74 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"8dc1c74\" 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-7914427 elementor-widget elementor-widget-heading\" data-id=\"7914427\" 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\">Budu\u0107nost gotovinskog pla\u0107anja u svjetlu Zakona o pranju novca<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13750eb elementor-widget elementor-widget-text-editor\" data-id=\"13750eb\" 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>Budu\u0107nost gotovinskog pla\u0107anja u vezi sa Zakonom o pranju novca je neizvjesna. Mogu\u0107e je da \u0107e va\u017enost gotovinskog pla\u0107anja opadati, a elektroni\u010dke metode pla\u0107anja postati dominantnije. S druge strane, moglo bi do\u0107i i do poja\u010dane regulacije gotovinskog pla\u0107anja kako bi se olak\u0161ala provedba Zakona o pranju novca.  <\/p><p><b>Ostaje za vidjeti<\/b> kako \u0107e se razvijati zakonodavstvo i tehnolo\u0161ki razvoj u vezi s ovom temom. Me\u0111utim, jasno je da je odnos izme\u0111u Zakona o pranju novca i gotovinskog pla\u0107anja slo\u017een i stalno se mijenja. <\/p><p>Va\u017eno je da financijske institucije, poduze\u0107a i vlade nastave raditi na pobolj\u0161anju borbe protiv pranja novca, istovremeno uzimaju\u0107i u obzir potrebe i zahtjeve potro\u0161a\u010da.<\/p><p>Ja\u010da regulacija bi, na primjer, mogla dovesti do toga da <b>gotovinska pla\u0107anja iznad odre\u0111enih iznosa vi\u0161e nisu dopu\u0161tena<\/b> ili da <b>dodatne obveze identifikacije i prijave vrijede za gotovinska pla\u0107anja<\/b>.<\/p><p>To bi moglo dovesti do toga da gotovinsko pla\u0107anje za neke potro\u0161a\u010de postane <b>neprivla\u010dno<\/b> i da se preferiraju elektroni\u010dke metode pla\u0107anja. Tako\u0111er bi moglo do\u0107i do <b>smanjenja anonimnosti<\/b> kod gotovinskih pla\u0107anja, jer \u0107e se morati prikupljati vi\u0161e podataka o klijentima i transakcijama. <\/p><p>Va\u017eno je da svi dionici pa\u017eljivo prate ove razvoje i prona\u0111u rje\u0161enja koja uzimaju u obzir i za\u0161titu od ilegalnih nov\u010danih tokova i potrebe potro\u0161a\u010da.<\/p>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Zakon o pranju novca regulira gotovinsko pla\u0107anje i uvodi obvezu dokazivanja i prijave za pla\u0107anja iznad 10.000 \u20ac, a za trgovce plemenitim metalima iznad 2.000 \u20ac.<\/p>\n","protected":false},"author":1,"featured_media":30577,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[736,771,735],"class_list":["post-30576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulativa","tag-sprjecavanje-prijevara","tag-uskladenost"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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