{"id":30788,"date":"2025-11-20T13:56:58","date_gmt":"2025-11-20T12:56:58","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/"},"modified":"2026-10-27T17:36:08","modified_gmt":"2026-10-27T16:36:08","slug":"smurfing-sto-se-krije-iza-ove-metode-pranja-novca","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/","title":{"rendered":"Smurfing: \u0160to se krije iza ove metode pranja novca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30788\" class=\"elementor elementor-30788 elementor-29649\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c2fb46 e-flex e-con-boxed e-con e-parent\" data-id=\"1c2fb46\" 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-86479a7 elementor-widget elementor-widget-text-editor\" data-id=\"86479a7\" 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 ozbiljan zlo\u010din koji ima velike u\u010dinke na dru\u0161tvo i gospodarstvo. Postoje razli\u010dite metode pranja novca, uklju\u010duju\u0107i smurfing i money mule. U ovom \u010dlanku pobli\u017ee \u0107emo razmotriti ove metode i raspraviti o mjerama koje se poduzimaju u borbi protiv pranja novca.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ebd0fe e-con-full e-flex e-con e-child\" data-id=\"7ebd0fe\" 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-2f6b399 elementor-widget elementor-widget-heading\" data-id=\"2f6b399\" 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-e06ec0d elementor-widget elementor-widget-text-editor\" data-id=\"e06ec0d\" 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>Kod smurfinga se ilegalna sredstva dijele na male, naizgled legalne transakcije.<\/li><li>Kriminalci \u010desto koriste fiktivne osobe ili suu\u010desnike za podizanje novca ili provo\u0111enje transakcija.<\/li><li>Smurfing se mora prijaviti <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligence Unitu (FIU)<\/a>.<\/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-f6da5b8 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"f6da5b8\" 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__f6da5b8\" 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__f6da5b8\" 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__f6da5b8\" 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-0a34f1f e-con-full e-flex e-con e-child\" data-id=\"0a34f1f\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e07d0b elementor-widget elementor-widget-spacer\" data-id=\"6e07d0b\" 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-7439503 elementor-widget elementor-widget-heading\" data-id=\"7439503\" 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\">Definicija: \u0160to je smurfing?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9c3a6 elementor-widget elementor-widget-text-editor\" data-id=\"5a9c3a6\" 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\tSmurfing, poznat i kao strukturiranje, \u0161iroko je rasprostranjena metoda pranja novca. Kod ove ilegalne prakse, znatna koli\u010dina ilegalnog novca dijeli se na manje, naizgled legalne transakcije. Kriminalci dijele novac na manje iznose i provode brojne transakcije kako bi izbjegli sumnju tijela kaznenog progona. Pojam \u201esmurfing\u201c potje\u010de od \u0160trumpfova, onih fiktivnih plavih bi\u0107a koja \u017eive u velikoj zajednici i sastoje se od mnogo malih jedinki, sli\u010dno kao \u0161to mnogo malih nov\u010danih iznosa tvori znatnu sumu.   \n\nOva se praksa prvenstveno primjenjuje na iznose iznad 15.000 eura, jer je od uplata u toj visini zakonski propisana obvezna identifikacija uplatitelja i \u010duvanje podataka o transakciji tijekom razdoblja od pet godina. Smurfing predstavlja klju\u010dni proces u pranju novca, posebno u prvoj od tri faze ovog ilegalnog postupka. \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-998cd94 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"998cd94\" 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-57a4d50 elementor-widget elementor-widget-heading\" data-id=\"57a4d50\" 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\">Tako funkcionira smurfing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4d8526 elementor-widget elementor-widget-text-editor\" data-id=\"e4d8526\" 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\tSmurfing se temelji na ideji da dijeljenje ve\u0107ih suma novca na manje iznose privla\u010di manje pozornosti. Kriminalci \u010desto koriste fiktivne osobe ili suu\u010desnike za podizanje novca ili provo\u0111enje transakcija. Ti se suu\u010desnici \u010desto nazivaju \u201esmurfs\u201c, jer provode male, nesumnjive transakcije kako bi oprali ilegalni novac.  \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-45eeda9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"45eeda9\" 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-325af0e elementor-widget elementor-widget-image\" data-id=\"325af0e\" 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=\"534\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-1024x683.jpg\" class=\"attachment-large size-large wp-image-30790\" alt=\"Sastanak o u\u010dinku smurfinga s laptopom s grafikonom podataka\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-1024x683.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-300x200.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-768x512.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen.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-e9cbb86 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"e9cbb86\" 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-c1cea15 elementor-widget elementor-widget-heading\" data-id=\"c1cea15\" 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\">U\u010dinci smurfinga na gospodarstvo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1676906 elementor-widget elementor-widget-text-editor\" data-id=\"1676906\" 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\tSmurfing ima negativne u\u010dinke na gospodarstvo jer pridonosi financiranju ilegalnih aktivnosti i slabi legalno gospodarstvo. Kori\u0161tenje malih, naizgled legitimnih transakcija za pranje novca sprje\u010dava otkrivanje i suzbijanje kriminalnih aktivnosti.  \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-f401d05 elementor-widget elementor-widget-heading\" data-id=\"f401d05\" 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\">Iskrivljavanje gospodarskih aktivnosti<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08354ac elementor-widget elementor-widget-text-editor\" data-id=\"08354ac\" 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\tDijeljenjem velikih suma novca na manje iznose prikriva se ilegalno podrijetlo novca te postaje te\u0161ko u\u0107i u trag to\u010dnom izvoru. To dovodi do iskrivljavanja gospodarskih aktivnosti i mo\u017ee dovesti do pogre\u0161ne alokacije resursa. \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-57cc8e8 elementor-widget elementor-widget-heading\" data-id=\"57cc8e8\" 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\">Gubitak poreznih prihoda<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc38b0c elementor-widget elementor-widget-text-editor\" data-id=\"dc38b0c\" 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\tOsim toga, poreznim tijelima je te\u0161ko utvrditi stvarne prihode i naplatiti odgovaraju\u0107e poreze. To dovodi do gubitka poreznih prihoda, koji u kona\u010dnici snosi \u0161ira javnost. \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-fe20bf5 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"fe20bf5\" 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-a87a4c0 elementor-widget elementor-widget-heading\" data-id=\"a87a4c0\" 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\">Ja\u010danje organiziranog kriminala<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b71d9ac elementor-widget elementor-widget-text-editor\" data-id=\"b71d9ac\" 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\tJo\u0161 jedan aspekt koji se mora uzeti u obzir kod smurfinga je povezanost s drugim ilegalnim aktivnostima. \u010cesto novac koji se pere putem smurfinga potje\u010de iz ilegalnih izvora kao \u0161to su trgovina drogom, trgovina ljudima ili druge kriminalne aktivnosti. Podr\u017eavanjem ovih ilegalnih aktivnosti, smurfing pridonosi ja\u010danju organiziranog kriminala i mo\u017ee dovesti do pove\u0107anja nasilja i nesigurnosti u dru\u0161tvu.  \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-ffd1738 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"ffd1738\" 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-1fbb060 e-con-full e-flex e-con e-child\" data-id=\"1fbb060\" 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-7f0135f elementor-widget elementor-widget-heading\" data-id=\"7f0135f\" 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-5b49346 elementor-widget elementor-widget-text-editor\" data-id=\"5b49346\" 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-17e2d8b elementor-widget elementor-widget-image\" data-id=\"17e2d8b\" 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-d9bfb48 elementor-widget elementor-widget-button\" data-id=\"d9bfb48\" 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-859b86f elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"859b86f\" 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-a6d6674 elementor-widget elementor-widget-heading\" data-id=\"a6d6674\" 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\">Od kada gotovinske uplate i prijenosi potpadaju pod kategoriju smurfinga?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80f43f2 elementor-widget elementor-widget-text-editor\" data-id=\"80f43f2\" 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>Smurfing se mo\u017ee <b>prepoznati<\/b> obra\u0107anjem pozornosti na ponovljene, neuobi\u010dajeno male gotovinske uplate ili prijenose koji se odvijaju u kratkim vremenskim razmacima. Jo\u0161 jedan pokazatelj mogu biti naizgled nepovezane osobe koje provode sli\u010dne transakcije. <\/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-a0131a9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"a0131a9\" 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-c042375 e-con-full e-flex e-con e-child\" data-id=\"c042375\" 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-0c10382 elementor-widget elementor-widget-heading\" data-id=\"0c10382\" 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 u\u010diniti ako prepoznate smurfing?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9485a2e elementor-widget elementor-widget-text-editor\" data-id=\"9485a2e\" 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>Ako se smurfing \u010dini sumnjivim, slu\u010daj treba odmah prijaviti <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligence Unitu (FIU)<\/a>. Prijenos podataka odvija se digitalno putem online platforme \u201e<a href=\"https:\/\/goaml.fiu.bund.de\/Home\" target=\"_blank\" rel=\"noopener\">goAML<\/a>\u201c. Ne bi trebalo provoditi samostalne istrage jer bi to moglo upozoriti pera\u010de novca i ote\u017eati osiguravanje dokaza.  <\/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<div class=\"elementor-element elementor-element-bba1fa6 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"bba1fa6\" 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-1f89663 elementor-widget elementor-widget-heading\" data-id=\"1f89663\" 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\">Borba protiv 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-2f855aa elementor-widget elementor-widget-text-editor\" data-id=\"2f855aa\" 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\tZa u\u010dinkovitu borbu protiv smurfinga potrebna je uska suradnja izme\u0111u tijela kaznenog progona, financijskih institucija i drugih relevantnih aktera, kao i pobolj\u0161ani nadzor i otkrivanje sumnjivih transakcija. Osim toga, va\u017eno je podi\u0107i svijest o rizicima i u\u010dincima smurfinga te educirati javnost o va\u017enosti borbe protiv pranja 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-ebf9f7a elementor-widget elementor-widget-heading\" data-id=\"ebf9f7a\" 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\">Zakonske mjere protiv pranja novca<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1842da2 elementor-widget elementor-widget-text-editor\" data-id=\"1842da2\" 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>U Njema\u010dkoj je 2017. godine BaFin prilagodio Zakon o pranju novca (GwG). Ovaj zakon osigurava da financijske institucije identificiraju svoje klijente, daju procjenu rizika i prijave sumnjive transakcije \u2013 kao \u0161to je primjerice smurfing. Tijela kaznenog progona tako\u0111er imaju posebne odjele koji se bave borbom protiv pranja 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-24e69a8 elementor-widget elementor-widget-heading\" data-id=\"24e69a8\" 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\">Preventivne mjere za financijske institucije<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84e2787 elementor-widget elementor-widget-text-editor\" data-id=\"84e2787\" 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>Financijske institucije i drugi obveznici GwG-a pozvani su poduzeti preventivne mjere kako bi sprije\u010dili pranje novca. To uklju\u010duje provo\u0111enje <a href=\"https:\/\/nect.com\/hr\/proizvodi\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">provjera klijenata<\/a> (KYC), nadzor transakcija (sumnjivi prijenosi, uplate itd.), obuku zaposlenika za prepoznavanje sumnjivih aktivnosti i suradnju s tijelima kaznenog progona. Financijske institucije tako\u0111er moraju implementirati programe uskla\u0111enosti i provoditi redovite revizije kako bi osigurale da ispunjavaju zakonske zahtjeve.  <\/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-dd74044 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"dd74044\" 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-9bf637a elementor-widget elementor-widget-heading\" data-id=\"9bf637a\" 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\">Money Mule: Druga metoda 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-ac13db9 elementor-widget elementor-widget-text-editor\" data-id=\"ac13db9\" 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\tMoney Mule odnosi se na osobe koje stavljaju svoj bankovni ra\u010dun na raspolaganje za primanje ili prijenos ilegalnog novca. Ove osobe, poznate kao \u201emoney mules\u201c, vrbuju kriminalci, \u010desto pod la\u017enim obe\u0107anjima o lako zara\u0111enom novcu. Money mules igraju klju\u010dnu ulogu u prikrivanju aktivnosti pranja novca kriminalaca.  \n\nMoney mules izla\u017eu se velikim rizicima sudjelovanjem u takvim aktivnostima. Ako se njihove radnje otkriju, mogu biti kazneno gonjeni za \u201epomaganje u pranju novca\u201c i suo\u010diti se s vi\u0161egodi\u0161njom zatvorskom kaznom. Osim toga, njihova financijska budu\u0107nost mo\u017ee biti znatno ugro\u017eena jer su \u010desto upleteni u ilegalne radnje i imaju pote\u0161ko\u0107a s otvaranjem normalnog bankovnog ra\u010duna ili dobivanjem kredita.  \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>Smurfing je metoda pranja novca kod koje se velika koli\u010dina ilegalnog novca dijeli na male, naizgled legalne transakcije.<\/p>\n","protected":false},"author":1,"featured_media":30789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[736,781,735],"class_list":["post-30788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulativa","tag-security","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>Smurfing: \u0160to se krije iza ove metode pranja novca - Nect<\/title>\n<meta name=\"description\" content=\"Smurfing je metoda pranja novca kod koje se velika koli\u010dina ilegalnog novca dijeli na male, naizgled legalne transakcije.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Smurfing: \u0160to se krije iza ove metode pranja novca\" \/>\n<meta property=\"og:description\" content=\"Smurfing je metoda pranja novca kod koje se velika koli\u010dina ilegalnog novca dijeli na male, naizgled legalne transakcije.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/\" \/>\n<meta property=\"og:site_name\" content=\"Nect\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NiceToNectYou\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-20T12:56:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-27T16:36:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Maurice Vogel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@nicetonectyou\" \/>\n<meta name=\"twitter:site\" content=\"@nicetonectyou\" \/>\n<meta name=\"twitter:label1\" content=\"Napisao\/la\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maurice Vogel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Procijenjeno vrijeme \u010ditanja\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/\"},\"author\":{\"name\":\"Maurice Vogel\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#\\\/schema\\\/person\\\/4a12335203c9d79e727920a23ddf1daf\"},\"headline\":\"Smurfing: \u0160to se krije iza ove metode pranja novca\",\"datePublished\":\"2025-11-20T12:56:58+00:00\",\"dateModified\":\"2026-10-27T16:36:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/\"},\"wordCount\":915,\"publisher\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"keywords\":[\"Regulativa\",\"Security\",\"Uskla\u0111enost\"],\"articleSection\":[\"Blog\"],\"inLanguage\":\"hr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/\",\"url\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/\",\"name\":\"Smurfing: \u0160to se krije iza ove metode pranja novca - Nect\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"datePublished\":\"2025-11-20T12:56:58+00:00\",\"dateModified\":\"2026-10-27T16:36:08+00:00\",\"description\":\"Smurfing je metoda pranja novca kod koje se velika koli\u010dina ilegalnog novca dijeli na male, naizgled legalne transakcije.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/#breadcrumb\"},\"inLanguage\":\"hr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"hr\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/#primaryimage\",\"url\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"contentUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/smurfing-visual.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/nect.com\\\/hr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Smurfing: \u0160to se krije iza ove metode pranja novca\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#website\",\"url\":\"https:\\\/\\\/nect.com\\\/hr\\\/\",\"name\":\"Nect\",\"description\":\"Built for the future of digital identity.\",\"publisher\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/nect.com\\\/hr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"hr\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#organization\",\"name\":\"Dalje\",\"url\":\"https:\\\/\\\/nect.com\\\/hr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"hr\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Nect_favicon_App.svg\",\"contentUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/Nect_favicon_App.svg\",\"width\":512,\"height\":512,\"caption\":\"Dalje\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/NiceToNectYou\\\/\",\"https:\\\/\\\/x.com\\\/nicetonectyou\",\"https:\\\/\\\/www.instagram.com\\\/nect\\\/\",\"https:\\\/\\\/vimeo.com\\\/nect\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/nect.com\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#\\\/schema\\\/person\\\/4a12335203c9d79e727920a23ddf1daf\",\"name\":\"Maurice Vogel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"hr\",\"@id\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/litespeed\\\/avatar\\\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174\",\"url\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/litespeed\\\/avatar\\\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174\",\"contentUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/litespeed\\\/avatar\\\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174\",\"caption\":\"Maurice Vogel\"},\"description\":\"Senior Product Designer\",\"sameAs\":[\"https:\\\/\\\/nect.com\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Smurfing: \u0160to se krije iza ove metode pranja novca - Nect","description":"Smurfing je metoda pranja novca kod koje se velika koli\u010dina ilegalnog novca dijeli na male, naizgled legalne transakcije.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/","og_locale":"hr_HR","og_type":"article","og_title":"Smurfing: \u0160to se krije iza ove metode pranja novca","og_description":"Smurfing je metoda pranja novca kod koje se velika koli\u010dina ilegalnog novca dijeli na male, naizgled legalne transakcije.","og_url":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/","og_site_name":"Nect","article_publisher":"https:\/\/www.facebook.com\/NiceToNectYou\/","article_published_time":"2025-11-20T12:56:58+00:00","article_modified_time":"2026-10-27T16:36:08+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","type":"image\/jpeg"}],"author":"Maurice Vogel","twitter_card":"summary_large_image","twitter_creator":"@nicetonectyou","twitter_site":"@nicetonectyou","twitter_misc":{"Napisao\/la":"Maurice Vogel","Procijenjeno vrijeme \u010ditanja":"6 minuta"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/#article","isPartOf":{"@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/"},"author":{"name":"Maurice Vogel","@id":"https:\/\/nect.com\/hr\/#\/schema\/person\/4a12335203c9d79e727920a23ddf1daf"},"headline":"Smurfing: \u0160to se krije iza ove metode pranja novca","datePublished":"2025-11-20T12:56:58+00:00","dateModified":"2026-10-27T16:36:08+00:00","mainEntityOfPage":{"@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/"},"wordCount":915,"publisher":{"@id":"https:\/\/nect.com\/hr\/#organization"},"image":{"@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/#primaryimage"},"thumbnailUrl":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","keywords":["Regulativa","Security","Uskla\u0111enost"],"articleSection":["Blog"],"inLanguage":"hr"},{"@type":"WebPage","@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/","url":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/","name":"Smurfing: \u0160to se krije iza ove metode pranja novca - Nect","isPartOf":{"@id":"https:\/\/nect.com\/hr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/#primaryimage"},"image":{"@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/#primaryimage"},"thumbnailUrl":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","datePublished":"2025-11-20T12:56:58+00:00","dateModified":"2026-10-27T16:36:08+00:00","description":"Smurfing je metoda pranja novca kod koje se velika koli\u010dina ilegalnog novca dijeli na male, naizgled legalne transakcije.","breadcrumb":{"@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/#breadcrumb"},"inLanguage":"hr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/"]}]},{"@type":"ImageObject","inLanguage":"hr","@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/#primaryimage","url":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","contentUrl":"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/smurfing-visual.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/nect.com\/hr\/media\/blog\/smurfing-sto-se-krije-iza-ove-metode-pranja-novca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/nect.com\/hr\/"},{"@type":"ListItem","position":2,"name":"Smurfing: \u0160to se krije iza ove metode pranja novca"}]},{"@type":"WebSite","@id":"https:\/\/nect.com\/hr\/#website","url":"https:\/\/nect.com\/hr\/","name":"Nect","description":"Built for the future of digital identity.","publisher":{"@id":"https:\/\/nect.com\/hr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/nect.com\/hr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"hr"},{"@type":"Organization","@id":"https:\/\/nect.com\/hr\/#organization","name":"Dalje","url":"https:\/\/nect.com\/hr\/","logo":{"@type":"ImageObject","inLanguage":"hr","@id":"https:\/\/nect.com\/hr\/#\/schema\/logo\/image\/","url":"https:\/\/nect.com\/wp-content\/uploads\/2025\/05\/Nect_favicon_App.svg","contentUrl":"https:\/\/nect.com\/wp-content\/uploads\/2025\/05\/Nect_favicon_App.svg","width":512,"height":512,"caption":"Dalje"},"image":{"@id":"https:\/\/nect.com\/hr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/NiceToNectYou\/","https:\/\/x.com\/nicetonectyou","https:\/\/www.instagram.com\/nect\/","https:\/\/vimeo.com\/nect\/","https:\/\/www.linkedin.com\/company\/nect.com"]},{"@type":"Person","@id":"https:\/\/nect.com\/hr\/#\/schema\/person\/4a12335203c9d79e727920a23ddf1daf","name":"Maurice Vogel","image":{"@type":"ImageObject","inLanguage":"hr","@id":"https:\/\/nect.com\/wp-content\/litespeed\/avatar\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174","url":"https:\/\/nect.com\/wp-content\/litespeed\/avatar\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174","contentUrl":"https:\/\/nect.com\/wp-content\/litespeed\/avatar\/2076d8d23cfe053c1e00bda764ca25c6.jpg?ver=1793204174","caption":"Maurice Vogel"},"description":"Senior Product Designer","sameAs":["https:\/\/nect.com"]}]}},"_links":{"self":[{"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/posts\/30788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/comments?post=30788"}],"version-history":[{"count":1,"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/posts\/30788\/revisions"}],"predecessor-version":[{"id":30791,"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/posts\/30788\/revisions\/30791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/media\/30789"}],"wp:attachment":[{"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/media?parent=30788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/categories?post=30788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nect.com\/hr\/wp-json\/wp\/v2\/tags?post=30788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}