{"id":30687,"date":"2026-01-18T15:36:10","date_gmt":"2026-01-18T14:36:10","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/penzmosas-elleni-toerveny-es-keszpenzfizetes-minden-szabalyozas-egy-pillantasra\/"},"modified":"2026-10-27T17:24:17","modified_gmt":"2026-10-27T16:24:17","slug":"penzmosas-elleni-toerveny-es-keszpenzfizetes-minden-szabalyozas-egy-pillantasra","status":"publish","type":"post","link":"https:\/\/nect.com\/hu\/media\/blog\/penzmosas-elleni-toerveny-es-keszpenzfizetes-minden-szabalyozas-egy-pillantasra\/","title":{"rendered":"P\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9s k\u00e9szp\u00e9nzfizet\u00e9s: Minden szab\u00e1lyoz\u00e1s egy pillant\u00e1sra"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30687\" class=\"elementor elementor-30687 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 <a href=\"https:\/\/nect.com\/media\/blog\/bargeldobergrenze-bald-auch-in-deutschland\/\" target=\"_blank\" rel=\"noopener\">k\u00e9szp\u00e9nzfizet\u00e9s<\/a> \u00e9s a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny k\u00e9t olyan t\u00e9ma, amely szorosan kapcsol\u00f3dik egym\u00e1shoz. Ebben a cikkben k\u00f6zelebbr\u0151l megvizsg\u00e1ljuk a <a href=\"https:\/\/nect.com\/media\/blog\/geldwaesche-das-sollten-sie-unbedingt-beachten\/\" target=\"_blank\" rel=\"noopener\">p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9nyt<\/a>, \u00e9s elemezz\u00fck, milyen hat\u00e1ssal van a k\u00e9szp\u00e9nzfizet\u00e9sre. Emellett vet\u00fcnk egy pillant\u00e1st a j\u00f6v\u0151be is, \u00e9s megvitatjuk az e t\u00e9m\u00e1kkal kapcsolatos lehets\u00e9ges trendeket \u00e9s v\u00e1ltoz\u00e1sokat.  <\/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\">A legfontosabbak r\u00f6viden<\/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><strong>10 000 \u20ac<\/strong> k\u00e9szp\u00e9nz\u00f6sszegt\u0151l kezd\u0151d\u0151en a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9rtelm\u00e9ben ellen\u0151rz\u00e9si k\u00f6telezetts\u00e9g \u00e1ll fenn.<\/li>\n \t<li><strong>Nemesf\u00e9mek v\u00e1s\u00e1rl\u00e1sa<\/strong> eset\u00e9n a k\u00e9szp\u00e9nzhat\u00e1r <strong>2000 \u20ac<\/strong>. Ezen \u00f6sszeg felett a v\u00e1s\u00e1rl\u00f3t a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny el\u0151\u00edr\u00e1sai szerint ellen\u0151rizni kell. <\/li>\n<li>A saj\u00e1t banksz\u00e1ml\u00e1ra t\u00f6rt\u00e9n\u0151, 10 000 \u20ac feletti <strong>k\u00e9szp\u00e9nzbefizet\u00e9seket<\/strong> <strong>p\u00e9nzmos\u00e1si tev\u00e9kenys\u00e9gek<\/strong> szempontj\u00e1b\u00f3l ellen\u0151rzik.<\/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\tTartalomjegyz\u00e9k\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\">A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9rtelmez\u00e9se<\/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>A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny olyan <b>t\u00f6rv\u00e9nyek \u00e9s el\u0151\u00edr\u00e1sok \u00f6sszess\u00e9ge<\/b>, amelyek az illeg\u00e1lis p\u00e9nz\u00e1raml\u00e1sok elleni k\u00fczdelmet szolg\u00e1lj\u00e1k, \u00e9s v\u00e9dik a p\u00e9nz\u00fcgyi vil\u00e1got az illeg\u00e1lisan szerzett p\u00e9nzek be\u00e1raml\u00e1s\u00e1t\u00f3l.<\/p><p>A k\u00fcl\u00f6nb\u00f6z\u0151 szab\u00e1lyoz\u00e1sok biztos\u00edtj\u00e1k, hogy a p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyek \u00e9s egy\u00e9b v\u00e1llalatok betarts\u00e1k azokat, garant\u00e1lva, hogy ne fogadjanak el vagy tov\u00e1bb\u00edtsanak illeg\u00e1lis forr\u00e1sb\u00f3l sz\u00e1rmaz\u00f3 \u00f6sszegeket. A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny f\u0151 c\u00e9lja a p\u00e9nz\u00fcgyi vil\u00e1g \u00e1tl\u00e1that\u00f3s\u00e1g\u00e1nak n\u00f6vel\u00e9se \u00e9s a p\u00e9nzmos\u00e1si tev\u00e9kenys\u00e9gek megakad\u00e1lyoz\u00e1sa. <\/p><p>A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny nemcsak a <a href=\"https:\/\/nect.com\/hu\/iparagak\/banki-es-penzugyi-szolgaltatasok\/\" target=\"_blank\" rel=\"noopener\"><b>bankokra \u00e9s p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyekre<\/b><\/a> vonatkozik, hanem m\u00e1s, nagy p\u00e9nz\u00f6sszegekkel dolgoz\u00f3 v\u00e1llalkoz\u00e1sokra is, mint p\u00e9ld\u00e1ul <b>ingatlank\u00f6zvet\u00edt\u0151kre, \u00fcgyv\u00e9dekre, ad\u00f3tan\u00e1csad\u00f3kra, \u00e9kszer\u00e9szekre \u00e9s <a href=\"https:\/\/nect.com\/hu\/iparagak\/allami-lottotarsasagok\/\" target=\"_blank\" rel=\"noopener\">kaszin\u00f3kra<\/a><\/b>. Ezen v\u00e1llalatoknak szint\u00e9n be kell tartaniuk a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny el\u0151\u00edr\u00e1sait, \u00e9s <b>be kell jelenteni\u00fck a gyan\u00fas tev\u00e9kenys\u00e9geket<\/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\">A k\u00e9szp\u00e9nzfizet\u00e9s \u00e9s annak saj\u00e1toss\u00e1gai<\/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>A k\u00e9szp\u00e9nzfizet\u00e9s a p\u00e9nz\u00e1tutal\u00e1s egy olyan form\u00e1ja, amely sor\u00e1n a kifizet\u00e9sek <b>fizikai p\u00e9nzform\u00e1ban<\/b> t\u00f6rt\u00e9nnek. Az elektronikus fizet\u00e9sekkel ellent\u00e9tben, ahol a p\u00e9nz banki \u00e1tutal\u00e1ssal vagy hitelk\u00e1rtya-tranzakci\u00f3val ker\u00fcl tov\u00e1bb\u00edt\u00e1sra, a k\u00e9szp\u00e9nzfizet\u00e9s k\u00f6zvetlen\u00fcl \u00e9s azonnal t\u00f6rt\u00e9nik. <\/p><p>A k\u00e9szp\u00e9nzfizet\u00e9snek megvannak a maga el\u0151nyei \u00e9s h\u00e1tr\u00e1nyai. Az egyik el\u0151nye a p\u00e9nz <b>azonnali rendelkez\u00e9sre \u00e1ll\u00e1sa<\/b>. Az \u00fcgyfelek gyorsan \u00e9s egyszer\u0171en fizethetnek an\u00e9lk\u00fcl, hogy fizet\u00e9si visszaigazol\u00e1sokra vagy j\u00f3v\u00e1hagy\u00e1sokra kellene v\u00e1rniuk. Emellett a k\u00e9szp\u00e9nzfizet\u00e9s lehet\u0151v\u00e9 teszi a <b>mag\u00e1n\u00e9let v\u00e9delm\u00e9t<\/b>, mivel a tranzakci\u00f3kr\u00f3l nem k\u00e9sz\u00fclnek elektronikus feljegyz\u00e9sek.   <\/p><p>Azonban a k\u00e9szp\u00e9nzfizet\u00e9snek h\u00e1tr\u00e1nyai is vannak. A fizikai p\u00e9nzt <b>ellophatj\u00e1k vagy elveszhet<\/b>. Ezenk\u00edv\u00fcl a k\u00e9szp\u00e9nzfizet\u00e9s <b>megnehez\u00edti<\/b> a <b>p\u00e9nzmozg\u00e1sok nyomon k\u00f6vet\u00e9s\u00e9t<\/b> \u00e9s a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny betart\u00e1s\u00e1t.  <\/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\">R\u00f6vid t\u00f6rt\u00e9nelmi \u00e1ttekint\u00e9s a k\u00e9szp\u00e9nzr\u0151l<\/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>A k\u00e9szp\u00e9nzfizet\u00e9s t\u00f6rt\u00e9nete messzire ny\u00falik vissza. M\u00e1r az <b>\u00f3korban<\/b> bevett szok\u00e1s volt az \u00e1ruk\u00e9rt \u00e9s szolg\u00e1ltat\u00e1sok\u00e9rt fizikai p\u00e9nzzel fizetni. Akkoriban a p\u00e9nz f\u0151k\u00e9nt olyan \u00e9rt\u00e9kes f\u00e9mekb\u0151l k\u00e9sz\u00fclt \u00e9rm\u00e9kb\u0151l \u00e1llt, mint az arany \u00e9s az ez\u00fcst. Ezeket az \u00e9rm\u00e9ket fizet\u0151eszk\u00f6zk\u00e9nt fogadt\u00e1k el, \u00e9s sz\u00e1mos k\u00fcl\u00f6nb\u00f6z\u0151 kult\u00far\u00e1ban haszn\u00e1lt\u00e1k.   <\/p><p>Az id\u0151 m\u00fal\u00e1s\u00e1val a p\u00e9nz\u00fcgyi rendszer tov\u00e1bbfejl\u0151d\u00f6tt, \u00e9s k\u00fcl\u00f6nb\u00f6z\u0151 t\u00edpus\u00fa bankjegyeket vezettek be. Ezeket a bankjegyeket <b>korm\u00e1nyok \u00e9s k\u00f6zponti bankok bocs\u00e1tott\u00e1k ki<\/b>, \u00e9s r\u00f6gz\u00edtett \u00e9rt\u00e9kkel b\u00edrtak. Az emberek ezekkel a bankjegyekkel fizethettek, elfogadva azokat fizet\u0151eszk\u00f6zk\u00e9nt.  <\/p><p>Egyes orsz\u00e1gokban a k\u00e9szp\u00e9nzfizet\u00e9s <b>tov\u00e1bbra is az uralkod\u00f3 fizet\u00e9si m\u00f3d<\/b>, m\u00edg m\u00e1s orsz\u00e1gokban az elektronikus fizet\u00e9sek domin\u00e1lnak. Ezek a k\u00fcl\u00f6nbs\u00e9gek a vil\u00e1g k\u00fcl\u00f6nb\u00f6z\u0151 r\u00e9szein l\u00e9tez\u0151 elt\u00e9r\u0151 <b>gazdas\u00e1gi \u00e9s kultur\u00e1lis felt\u00e9teleket<\/b> t\u00fckr\u00f6zik. <\/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\">Mi\u00e9rt fontos a k\u00e9szp\u00e9nz?<\/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>A k\u00e9szp\u00e9nz nem csup\u00e1n fizet\u0151eszk\u00f6z, hanem egyben <b>egy orsz\u00e1g t\u00f6rt\u00e9nelm\u00e9nek \u00e9s identit\u00e1s\u00e1nak szimb\u00f3luma<\/b> is. Sok orsz\u00e1gnak saj\u00e1t, egyedi \u00e9rm\u00e9i \u00e9s bankjegyei vannak, amelyeket nemzeti szimb\u00f3lumok \u00e9s t\u00f6rt\u00e9nelmi szem\u00e9lyis\u00e9gek d\u00edsz\u00edtenek. <\/p><p>A k\u00e9szp\u00e9nzfizet\u00e9s a <b>gazdas\u00e1gra is hat\u00e1ssal van<\/b>. Egyes orsz\u00e1gokban azzal \u00e9rvelnek, hogy a fizikai p\u00e9nz haszn\u00e1lata <b>er\u0151s\u00edti a helyi gazdas\u00e1got<\/b>, mivel a p\u00e9nz k\u00f6zvetlen\u00fcl forgalomba ker\u00fcl, \u00e9s a helyi v\u00e1llalkoz\u00e1sok jav\u00e1t szolg\u00e1lja. M\u00e1sfel\u0151l azzal \u00e9rvelnek, hogy az elektronikus fizet\u00e9sek hat\u00e9konyabbak, \u00e9s a gyorsabb tranzakci\u00f3k, valamint a p\u00e9nz\u00e1raml\u00e1sok jobb nyomon k\u00f6vethet\u0151s\u00e9ge r\u00e9v\u00e9n t\u00e1mogatj\u00e1k a gazdas\u00e1got.  <\/p><p>Vannak bizonyos helyzetek is, amikor a k\u00e9szp\u00e9nzfizet\u00e9s el\u0151ny\u00f6sebb. P\u00e9ld\u00e1ul egyes <b>kis \u00fczletek \u00e9s piacok csak k\u00e9szp\u00e9nzt fogadhatnak el<\/b>, mivel esetleg <b>nem rendelkeznek az elektronikus fizet\u00e9shez sz\u00fcks\u00e9ges infrastrukt\u00far\u00e1val<\/b>. Ezenk\u00edv\u00fcl n\u00e9h\u00e1nyan az\u00e9rt r\u00e9szes\u00edtik el\u0151nyben a k\u00e9szp\u00e9nzfizet\u00e9st, hogy jobban \u00e1tl\u00e1ss\u00e1k kiad\u00e1saikat \u00e9s elker\u00fclj\u00e9k az elad\u00f3sod\u00e1st.  <\/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\">P\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9s k\u00e9szp\u00e9nzfizet\u00e9s: Komplex kapcsolat<\/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>A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9s a k\u00e9szp\u00e9nzfizet\u00e9s k\u00f6z\u00f6tti kapcsolat \u00f6sszetett. Egyfel\u0151l a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny c\u00e9lja az illeg\u00e1lis p\u00e9nz\u00e1raml\u00e1sok elleni k\u00fczdelem \u00e9s a p\u00e9nz\u00fcgyi vil\u00e1g \u00e1tl\u00e1that\u00f3s\u00e1g\u00e1nak n\u00f6vel\u00e9se. A <b>k\u00e9szp\u00e9nzfizet\u00e9s megnehez\u00edti a p\u00e9nzmozg\u00e1sok nyomon k\u00f6vet\u00e9s\u00e9t<\/b>, \u00e9s ez\u00e1ltal a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny v\u00e9grehajt\u00e1s\u00e1t.  <\/p><p>A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny szigor\u00fa szab\u00e1lyokat \u00edr el\u0151 a p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyek \u00e9s v\u00e1llalatok sz\u00e1m\u00e1ra annak biztos\u00edt\u00e1s\u00e1ra, hogy ne fogadjanak el vagy tov\u00e1bb\u00edtsanak illeg\u00e1lis \u00f6sszegeket. Ez mag\u00e1ban foglalja az \u00fcgyf\u00e9l-azonos\u00edt\u00e1si elj\u00e1r\u00e1sok lefolytat\u00e1s\u00e1t \u00e9s a tranzakci\u00f3k dokument\u00e1l\u00e1s\u00e1t. Azonban ezek az <b>int\u00e9zked\u00e9sek k\u00e9szp\u00e9nzfizet\u00e9s eset\u00e9n nehezebben kivitelezhet\u0151k<\/b>, mivel <b>nincsenek elektronikus feljegyz\u00e9sek<\/b>, \u00e9s az \u00fcgyfelek anonimak maradhatnak.  <\/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\">Ezt \u00edrja el\u0151 a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny a k\u00e9szp\u00e9nzfizet\u00e9sekre vonatkoz\u00f3an<\/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\">Mekkora a k\u00e9szp\u00e9nzfizet\u00e9sek fels\u0151 hat\u00e1ra?<\/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>2020. janu\u00e1r 1-je \u00f3ta N\u00e9metorsz\u00e1gban t\u00f6rv\u00e9nyi fels\u0151 hat\u00e1r \u00e9rv\u00e9nyes a <b>v\u00e1llalkoz\u00f3k k\u00f6z\u00f6tti \u00fcgyletek<\/b> (B2B-\u00fcgyletek) keret\u00e9ben t\u00f6rt\u00e9n\u0151 k\u00e9szp\u00e9nzfizet\u00e9sekre. Ez a <b>fels\u0151 hat\u00e1r 10 000 \u20ac<\/b>. Ez azt jelenti, hogy ebben a kontextusban a k\u00e9szp\u00e9nzfizet\u00e9sek nem haladhatj\u00e1k meg a 10 000 \u20ac-t.  <\/p><p>A <b>fogyaszt\u00f3k \u00e9s v\u00e1llalkoz\u00f3k k\u00f6z\u00f6tti \u00fcgyletek<\/b> (B2C-\u00fcgyletek) eset\u00e9ben <b>nincs kifejezett t\u00f6rv\u00e9nyi fels\u0151 hat\u00e1r<\/b> a k\u00e9szp\u00e9nzfizet\u00e9sekre. Fontos megjegyezni, hogy a 10 000 \u20ac feletti k\u00e9szp\u00e9nzfizet\u00e9sek N\u00e9metorsz\u00e1gban bizonyos k\u00f6r\u00fclm\u00e9nyek k\u00f6z\u00f6tt gyan\u00fasnak min\u0151s\u00fclhetnek, \u00e9s a <b>p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny szerinti bejelent\u00e9si k\u00f6telezetts\u00e9g al\u00e1 tartoznak<\/b>. Ilyen esetekben a fizet\u00e9si szolg\u00e1ltat\u00f3nak vagy a hitelint\u00e9zetnek jelentenie kell a tranzakci\u00f3t a <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligence Unit (FIU)<\/a> fel\u00e9.  <\/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\">L\u00e9tezik bejelent\u00e9si \u00e9s igazol\u00e1si k\u00f6telezetts\u00e9g a k\u00e9szp\u00e9nzfizet\u00e9sekre vonatkoz\u00f3an?<\/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\tIgen, N\u00e9metorsz\u00e1gban mind bejelent\u00e9si, mind igazol\u00e1si k\u00f6telezetts\u00e9g l\u00e9tezik a k\u00e9szp\u00e9nzfizet\u00e9sekre vonatkoz\u00f3an, k\u00fcl\u00f6n\u00f6sen a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny (GwG) keret\u00e9ben.\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>Bejelent\u00e9si k\u00f6telezetts\u00e9g:<\/strong> A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9rtelm\u00e9ben a hitelint\u00e9zetek, p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3k \u00e9s bizonyos egy\u00e9b szakmai csoportok k\u00f6telesek a <strong>10 000 \u20ac-t el\u00e9r\u0151 vagy azt meghalad\u00f3 tranzakci\u00f3kat<\/strong> az illet\u00e9kes hat\u00f3s\u00e1goknak <strong>bejelenteni<\/strong>. Ez vonatkozik a k\u00e9szp\u00e9nzfizet\u00e9sekre, az elektronikus \u00e1tutal\u00e1sokra \u00e9s egy\u00e9b p\u00e9nz\u00fcgyi tranzakci\u00f3kra is. <\/li>\n <li><strong>Igazol\u00e1si k\u00f6telezetts\u00e9g:<\/strong> 10 000 \u20ac feletti k\u00e9szp\u00e9nzfizet\u00e9s eset\u00e9n fenn\u00e1ll a szerz\u0151d\u0151 felek szem\u00e9lyazonoss\u00e1g\u00e1nak <strong>meg\u00e1llap\u00edt\u00e1s\u00e1ra \u00e9s r\u00f6gz\u00edt\u00e9s\u00e9re<\/strong> vonatkoz\u00f3 k\u00f6telezetts\u00e9g. Ez azt jelenti, hogy a <strong>v\u00e1llalkoz\u00f3k k\u00f6telesek<\/strong> ellen\u0151rizni \u00fczleti partnereik <strong>szem\u00e9lyes adatait<\/strong>, \u00e9s <strong>dokument\u00e1lni a tranzakci\u00f3t<\/strong>. Ennek az \u00fczleti kapcsolat lez\u00e1r\u00e1s\u00e1t k\u00f6vet\u0151 <strong>n\u00e9gy h\u00e9ten<\/strong> bel\u00fcl meg kell t\u00f6rt\u00e9nnie.  <\/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>Fontos megjegyezni, hogy a bejelent\u00e9si k\u00f6telezetts\u00e9g nemcsak a bankokra vonatkozik, hanem m\u00e1s \u00e1gazatokra is, bele\u00e9rtve az <b>ingatlank\u00f6zvet\u00edt\u0151ket, \u00e9kszer\u00e9szeket, k\u00f6zjegyz\u0151ket \u00e9s egy\u00e9b, a <\/b><a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\"><b>GwG 2. \u00a7-\u00e1ban<\/b><\/a> felsorolt szerepl\u0151ket.<\/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\">Hogyan seg\u00edt a Nect?<\/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\tGyors\u00edtsa fel megfelel\u0151s\u00e9gi folyamatait k\u00f6nnyed\u00e9n \u00e9s jogbiztos m\u00f3don: Fedezze fel a Nect-et, az <b>\u00fcgyv\u00e9dek, ad\u00f3tan\u00e1csad\u00f3k, k\u00f6zjegyz\u0151k, k\u00f6nyvvizsg\u00e1l\u00f3k \u00e9s ingatlank\u00f6zvet\u00edt\u0151k<\/b> sz\u00e1m\u00e1ra kifejlesztett, bev\u00e1lt platformot. K\u00fcldj\u00f6n nek\u00fcnk aj\u00e1nlatk\u00e9r\u00e9st, \u00e9s biztos\u00edtson hozz\u00e1f\u00e9r\u00e9st \u00fcgyfelei sz\u00e1m\u00e1ra hat\u00e9kony, biztons\u00e1gos \u00e9s k\u00e9nyelmes megold\u00e1sokhoz \u2013 v\u00e1lassza \u00d6n is sz\u00e1mos neves iroda elismert megold\u00e1s\u00e1t. \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-30380\" alt=\"B\u00f6ng\u00e9sz\u0151 KYB kock\u00e1zat\u00e9rt\u00e9kel\u00e9ssel 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\">Dem\u00f3 egyeztet\u00e9se<\/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\">Mi t\u00f6rt\u00e9nik 10 000 \u20ac feletti k\u00e9szp\u00e9nzfizet\u00e9s eset\u00e9n?<\/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>N\u00e9metorsz\u00e1gban a 10 000 \u20ac feletti k\u00e9szp\u00e9nzfizet\u00e9sek eset\u00e9n bejelent\u00e9si k\u00f6telezetts\u00e9g terheli a hitelint\u00e9zeteket \u00e9s bizonyos szakmai csoportokat. Emellett a v\u00e1llalkoz\u00f3knak ellen\u0151rizni\u00fck \u00e9s dokument\u00e1lniuk kell szerz\u0151d\u0151 partnereik szem\u00e9lyazonoss\u00e1g\u00e1t. Ezen el\u0151\u00edr\u00e1sok <b>be nem tart\u00e1sa<\/b> <b>p\u00e9nzb\u00edrs\u00e1got<\/b> \u00e9s <b>b\u00fcntet\u0151jogi k\u00f6vetkezm\u00e9nyeket<\/b> vonhat maga ut\u00e1n. A pontos b\u00edrs\u00e1g\u00f6sszegek a <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\">b\u00edrs\u00e1gkatal\u00f3gusban<\/a> tal\u00e1lhat\u00f3k.   <\/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\">Milyen k\u00fcl\u00f6nleges szab\u00e1lyok vonatkoznak az \u00e9kszer\u00e9szekre?<\/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\tAz \u00e9kszer\u00e9szek, valamint a luxuscikkek egy\u00e9b keresked\u0151i is k\u00f6telesek 10 000 \u20ac k\u00e9szp\u00e9nzhat\u00e1r felett ellen\u0151rizni az \u00fcgyf\u00e9l szem\u00e9lyazonoss\u00e1g\u00e1t, \u00e9s ezzel \u00f6sszef\u00fcgg\u00e9sben kock\u00e1zatelemz\u00e9st v\u00e9gezni. Ennek c\u00e9lja a p\u00e9nz forr\u00e1s\u00e1nak igazol\u00e1sa \u00e9s ez\u00e1ltal a p\u00e9nzmos\u00e1s megakad\u00e1lyoz\u00e1sa.  \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\">Mit kell figyelembe venni\u00fck a k\u00f6zjegyz\u0151knek ingatlanv\u00e1s\u00e1rl\u00e1skor?<\/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 <a href=\"https:\/\/www.buzer.de\/gesetz\/15667\/index.htm\" target=\"_blank\" rel=\"noopener\">m\u00e1sodik szankci\u00f3-v\u00e9grehajt\u00e1si t\u00f6rv\u00e9ny<\/a> (SDG II) 2022 v\u00e9g\u00e9n l\u00e9pett hat\u00e1lyba, \u00e9s a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny (GwG) ehhez kapcsol\u00f3d\u00f3 m\u00f3dos\u00edt\u00e1sai fokozatosan v\u00e1lnak relev\u00e1nss\u00e1. \u00c1prilis 1-j\u00e9t\u0151l <b>m\u00e1r nem megengedett az ingatlanok k\u00e9szp\u00e9nzben t\u00f6rt\u00e9n\u0151 kifizet\u00e9se<\/b>. Az SDG II egy gy\u0171jt\u0151t\u00f6rv\u00e9ny, amely k\u00fcl\u00f6nb\u00f6z\u0151 jogszab\u00e1lyokat m\u00f3dos\u00edt, k\u00f6zt\u00fck a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9nyt is.  <\/p><p>A k\u00e9szp\u00e9nzfizet\u00e9si tilalom a <b>2023. \u00e1prilis 1. ut\u00e1n<\/b> k\u00f6t\u00f6tt jog\u00fcgyletekre vonatkozik (GwG 59. \u00a7 (11) bek.). Ennek biztos\u00edt\u00e1sa \u00e9rdek\u00e9ben a szerz\u0151d\u0151 feleknek <b>igazolniuk<\/b> kell a k\u00f6zjegyz\u0151 el\u0151tt, hogy az ingatlan kifizet\u00e9se nem k\u00e9szp\u00e9nzben t\u00f6rt\u00e9nt. A <b>k\u00f6zjegyz\u0151 k\u00f6teles ezt az igazol\u00e1st ellen\u0151rizni<\/b>. A k\u00e9szp\u00e9nzfizet\u00e9si tilalom \u00e9s az igazol\u00e1si k\u00f6telezetts\u00e9g megs\u00e9rt\u00e9se eset\u00e9n a k\u00f6zjegyz\u0151nek jelentenie kell azt a Financial Intelligence Unit (FIU) fel\u00e9.   <\/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\">A k\u00e9szp\u00e9nzfizet\u00e9s j\u00f6v\u0151je a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny t\u00fckr\u00e9ben<\/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>A k\u00e9szp\u00e9nzfizet\u00e9s j\u00f6v\u0151je a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9nnyel \u00f6sszef\u00fcgg\u00e9sben bizonytalan. Lehets\u00e9ges, hogy a k\u00e9szp\u00e9nzfizet\u00e9s jelent\u0151s\u00e9ge cs\u00f6kken, \u00e9s az elektronikus fizet\u00e9si m\u00f3dok v\u00e1lnak domin\u00e1nss\u00e1. M\u00e1sfel\u0151l a k\u00e9szp\u00e9nzfizet\u00e9s fokozott szab\u00e1lyoz\u00e1s\u00e1ra is sor ker\u00fclhet a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9rv\u00e9nyes\u00edt\u00e9s\u00e9nek megk\u00f6nny\u00edt\u00e9se \u00e9rdek\u00e9ben.  <\/p><p><b>M\u00e9g v\u00e1rni kell<\/b> annak megismer\u00e9s\u00e9re, hogyan alakul a jogalkot\u00e1s \u00e9s a technol\u00f3giai fejl\u0151d\u00e9s ebben a t\u00e9m\u00e1ban. Az azonban egy\u00e9rtelm\u0171, hogy a p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9s a k\u00e9szp\u00e9nzfizet\u00e9s k\u00f6z\u00f6tti kapcsolat \u00f6sszetett \u00e9s folyamatosan v\u00e1ltozik. <\/p><p>Fontos, hogy a p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyek, a v\u00e1llalatok \u00e9s a korm\u00e1nyok tov\u00e1bbra is dolgozzanak a p\u00e9nzmos\u00e1s elleni k\u00fczdelem jav\u00edt\u00e1s\u00e1n, mik\u00f6zben figyelembe veszik a fogyaszt\u00f3k ig\u00e9nyeit \u00e9s elv\u00e1r\u00e1sait is.<\/p><p>A szigor\u00fabb szab\u00e1lyoz\u00e1s p\u00e9ld\u00e1ul oda vezethetne, hogy <b>bizonyos \u00f6sszegek felett a k\u00e9szp\u00e9nzfizet\u00e9s m\u00e1r nem lenne megengedett<\/b>, vagy <b>tov\u00e1bbi azonos\u00edt\u00e1si \u00e9s bejelent\u00e9si k\u00f6telezetts\u00e9gek<\/b> vonatkozn\u00e1nak a k\u00e9szp\u00e9nzfizet\u00e9sekre.<\/p><p>Ez azt eredm\u00e9nyezhetn\u00e9, hogy a k\u00e9szp\u00e9nzfizet\u00e9s egyes fogyaszt\u00f3k sz\u00e1m\u00e1ra <b>vonzerej\u00e9t veszti<\/b>, \u00e9s az elektronikus fizet\u00e9si m\u00f3dokat r\u00e9szes\u00edtik el\u0151nyben. Ez a k\u00e9szp\u00e9nzfizet\u00e9sek <b>anonimit\u00e1s\u00e1nak cs\u00f6kken\u00e9s\u00e9hez<\/b> is vezethetne, mivel t\u00f6bb adatot kellene r\u00f6gz\u00edteni az \u00fcgyfelekr\u0151l \u00e9s a tranzakci\u00f3kr\u00f3l. <\/p><p>Fontos, hogy minden \u00e9rintett figyelemmel k\u00eds\u00e9rje ezeket a fejlem\u00e9nyeket, \u00e9s olyan megold\u00e1sokat tal\u00e1ljon, amelyek mind az illeg\u00e1lis p\u00e9nz\u00e1raml\u00e1sok elleni v\u00e9delmet, mind a fogyaszt\u00f3k ig\u00e9nyeit szem el\u0151tt tartj\u00e1k.<\/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>A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny szab\u00e1lyozza a k\u00e9szp\u00e9nzfizet\u00e9st, \u00e9s a 10 000 \u20ac feletti, nemesf\u00e9m-keresked\u0151k eset\u00e9ben pedig a 2000 \u20ac feletti kifizet\u00e9sekre igazol\u00e1si \u00e9s bejelent\u00e9si k\u00f6telezetts\u00e9get \u00edr el\u0151.<\/p>\n","protected":false},"author":1,"featured_media":30688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[731],"tags":[746,776,747],"class_list":["post-30687","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-compliance","tag-fraud-prevention","tag-regulatory"],"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>P\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny \u00e9s k\u00e9szp\u00e9nzfizet\u00e9s: Minden szab\u00e1lyoz\u00e1s egy pillant\u00e1sra - Nect<\/title>\n<meta name=\"description\" content=\"A p\u00e9nzmos\u00e1s elleni t\u00f6rv\u00e9ny szab\u00e1lyozza a k\u00e9szp\u00e9nzfizet\u00e9st, \u00e9s a 10 000 \u20ac feletti, nemesf\u00e9m-keresked\u0151k eset\u00e9ben pedig a 2000 \u20ac feletti 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