{"id":31470,"date":"2024-02-07T10:26:06","date_gmt":"2024-02-07T09:26:06","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/gornja-granica-za-gotovinu-uskoro-i-u-njemackoj\/"},"modified":"2026-10-28T10:15:19","modified_gmt":"2026-10-28T09:15:19","slug":"gornja-granica-za-gotovinu-uskoro-i-u-njemackoj","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/gornja-granica-za-gotovinu-uskoro-i-u-njemackoj\/","title":{"rendered":"Gornja granica za gotovinu uskoro i u Njema\u010dkoj"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31470\" class=\"elementor elementor-31470 elementor-30133\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecbc23c e-flex e-con-boxed e-con e-parent\" data-id=\"ecbc23c\" 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-4b52d06 elementor-widget elementor-widget-text-editor\" data-id=\"4b52d06\" 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 Europskoj uniji uvodi se <strong>gornja granica za gotovinu<\/strong> od 10.000 eura. Ovaj dogovor postigli su pregovara\u010dki timovi Europskog vije\u0107a i Europskog parlamenta. <\/p><p>Utvr\u0111ivanje nove gornje granice dio je \u0161ireg paketa mjera (<a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/DE\/TXT\/PDF\/?uri=CELEX:32018L0843\" target=\"_blank\" rel=\"noopener\">6. direktiva EU-a o sprje\u010davanju pranja novca<\/a>) Europske komisije za borbu protiv pranja novca. Ovom reformom po prvi put se \u017eele uvesti jedinstveni propisi o sprje\u010davanju pranja novca diljem Europe te zatvoriti nacionalne rupe u zakonu. <\/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-3d277d3 e-con-full e-flex e-con e-child\" data-id=\"3d277d3\" 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-be46393 elementor-widget elementor-widget-heading\" data-id=\"be46393\" 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-65d7894 elementor-widget elementor-widget-text-editor\" data-id=\"65d7894\" 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>EU \u017eeli sprije\u010diti pranje novca te uvodi <strong>gornju granicu za gotovinu od 10.000 eura<\/strong> na razini cijele Unije.<\/li><li>Pri gotovinskom pla\u0107anju iznad 3.000 eura prodavatelj mora prikupiti podatke o kupcu.<\/li><li><strong>Trgovci luksuznom robom<\/strong> morat \u0107e stro\u017ee provjeravati svoje kupce i podlijegat \u0107e stro\u017eim obvezama prijavljivanja.<\/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-5ffe9a3 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"5ffe9a3\" 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__5ffe9a3\" 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__5ffe9a3\" 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__5ffe9a3\" 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-be02818 e-con-full e-flex e-con e-child\" data-id=\"be02818\" 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-fbc0bb6 elementor-widget elementor-widget-spacer\" data-id=\"fbc0bb6\" 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-821a981 elementor-widget elementor-widget-heading\" data-id=\"821a981\" 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 zna\u010di \u201egornja granica za gotovinu\u201d? Definicija: <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f003cf elementor-widget elementor-widget-text-editor\" data-id=\"5f003cf\" 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>\u201eGornja granica za gotovinu\u201d odnosi se na <strong>maksimalni iznos gotovine<\/strong> koji osoba ili poduze\u0107e mogu koristiti ili prihvatiti u odre\u0111enoj transakciji. Vlade ili financijske institucije \u010desto uvode takve granice kako bi sprije\u010dile ili ote\u017eale <strong>pranje novca, nezakonite financijske transakcije i utaju poreza<\/strong>. <\/p><p>Postojanje gornje granice za gotovinu zna\u010di da se transakcije koje prelaze taj iznos vi\u0161e ne mogu provoditi u gotovini ili da je potrebno poduzeti odre\u0111ene mjere kako bi se provjerila zakonitost transakcije.<\/p><p>Ove granice razlikuju se od zemlje do zemlje i mogu se mijenjati tijekom vremena, ovisno o politi\u010dkim i gospodarskim okolnostima. Jedan od ciljeva ovakvih mjera je pove\u0107ati transparentnost financijskog sustava i ote\u017eati ne\u017eeljene 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-da02d1e elementor-widget elementor-widget-spacer\" data-id=\"da02d1e\" 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-95b5cbc elementor-widget elementor-widget-heading\" data-id=\"95b5cbc\" 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\">Gornja granica za gotovinu u Njema\u010dkoj: trenuta\u010dni propisi<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad49884 elementor-widget elementor-widget-text-editor\" data-id=\"ad49884\" 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>Gornja granica za gotovinu vru\u0107a je tema rasprave u Njema\u010dkoj. Politi\u010dari se godinama raspravljaju o njezinu uvo\u0111enju. Dok se SPD zala\u017ee za uvo\u0111enje gornje granice, FDP smatra da bi to predstavljalo \u201eograni\u010denje slobode\u201d. U sredi\u0161tu rasprave nalazi se pitanje u\u010dinkovitosti takve mjere u borbi protiv <strong>pranja novca i financijskog kriminala<\/strong> u Njema\u010dkoj.   <\/p><p>Trenuta\u010dno u Njema\u010dkoj ne postoji gornja granica za gotovinu. To zna\u010di da je u na\u010delu dopu\u0161teno koristiti ili prihva\u0107ati ve\u0107e iznose u gotovini, sve dok su transakcije u skladu s postoje\u0107im zakonima i propisima. <\/p><p>Ipak, va\u017eno je napomenuti da postoje odre\u0111ene obveze prijavljivanja gotovinskih transakcija. Banke, financijske institucije, trgovci robom i druga poduze\u0107a moraju prijaviti transakcije iznad 10.000 eura jedinici Financial Intelligence Unit (FIU) kako bi se sprije\u010dilo pranje novca i nezakonite financijske aktivnosti. Ova je obveza utvr\u0111ena Zakonom o sprje\u010davanju 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-ffe04e7 elementor-widget elementor-widget-spacer\" data-id=\"ffe04e7\" 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-0fef89d elementor-widget elementor-widget-heading\" data-id=\"0fef89d\" 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 mijenja uvo\u0111enjem nove gornje granice za gotovinu?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f2ba82 elementor-widget elementor-widget-text-editor\" data-id=\"3f2ba82\" 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><li><strong>Gornja granica za gotovinu:<\/strong> Gornja granica za gotovinu trebala bi se pro\u0161iriti na cijelu Europu. Za sve dr\u017eave trebalo bi vrijediti pravilo da se u gotovini smije platiti najvi\u0161e 10.000 eura. Ova se regulacija odnosi tek djelomi\u010dno na velik broj dr\u017eava \u010dlanica EU-a, budu\u0107i da u ve\u0107ini zemalja takva gornja granica ve\u0107 postoji. Njema\u010dka \u0107e, s druge strane, do\u017eivjeti ve\u0107e promjene. Do sada je bilo mogu\u0107e u gotovini platiti i iznose znatno ve\u0107e od 10.000 eura. Ta je granica sada sni\u017eena na 3.000 eura. Prodavatelj mora identificirati kupca i prikupiti njegove podatke. Privatna prodaja izuzeta je iz ove regulacije.       <\/li><li><strong>Trgovci luksuznom robom:<\/strong> Trgovci luksuznom robom bit \u0107e stro\u017ee regulirani. Bilo da se radi o prodava\u010dima automobila, draguljarima ili trgovcima umjetninama, svi \u0107e ubudu\u0107e morati strogo provjeravati svoje kupce i podlijegat \u0107e stro\u017eim obvezama prijavljivanja. <\/li><li><strong>Kripto sektor:<\/strong> Pru\u017eatelji usluga kriptovaluta i trgovinskih platformi morat \u0107e ubudu\u0107e provjeravati svoje kupce pri transakcijama iznad 1.000 eura.<\/li><\/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-634cc53 elementor-widget elementor-widget-spacer\" data-id=\"634cc53\" 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-744ee48 e-con-full e-flex e-con e-child\" data-id=\"744ee48\" 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-e9fc393 elementor-widget elementor-widget-heading\" data-id=\"e9fc393\" 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-2043411 elementor-widget elementor-widget-text-editor\" data-id=\"2043411\" 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-dca7aa0 elementor-widget elementor-widget-image\" data-id=\"dca7aa0\" 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-44d0455 elementor-widget elementor-widget-button\" data-id=\"44d0455\" 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-f44b08e elementor-widget elementor-widget-spacer\" data-id=\"f44b08e\" 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-499c1c4 elementor-widget elementor-widget-heading\" data-id=\"499c1c4\" 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\">Gornja granica za gotovinu u drugim dr\u017eavama EU-a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0e53cd elementor-widget elementor-widget-text-editor\" data-id=\"e0e53cd\" 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\tU drugim dr\u017eavama \u010dlanicama EU-a gornja granica za gotovinu uvedena je ve\u0107 odavno. Italija je, primjerice, jo\u0161 prije nekoliko godina objavila rat mafiji. Tamo vrijedi gornja granica za gotovinu od 5.000 eura. Francuska i \u0160panjolska oti\u0161le su i korak dalje te uspjele uvesti granicu od 1.000 eura. O\u010dekuje se da \u0107e i druge zemlje slijediti novi propis.    \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>U Europskoj uniji uvodi se gornja granica za gotovinu od 10.000 eura. Ovaj dogovor postigli su pregovara\u010dki timovi Europskog vije\u0107a i Europskog parlamenta. <\/p>\n","protected":false},"author":3,"featured_media":31471,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[736,735],"class_list":["post-31470","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>Gornja granica za gotovinu uskoro i u Njema\u010dkoj - Nect<\/title>\n<meta name=\"description\" content=\"U EU-u se uvodi gornja granica za gotovinu od 10.000 eura. 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