{"id":31228,"date":"2026-01-18T15:36:10","date_gmt":"2026-01-18T14:36:10","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/zakon-o-prani-spinavych-penazi-a-platba-v-hotovosti-vsetky-regulacie-na-prvy-pohlad\/"},"modified":"2026-10-27T20:19:50","modified_gmt":"2026-10-27T19:19:50","slug":"zakon-o-prani-spinavych-penazi-a-platba-v-hotovosti-vsetky-regulacie-na-prvy-pohlad","status":"publish","type":"post","link":"https:\/\/nect.com\/sk\/media\/blog\/zakon-o-prani-spinavych-penazi-a-platba-v-hotovosti-vsetky-regulacie-na-prvy-pohlad\/","title":{"rendered":"Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed a platba v hotovosti: V\u0161etky regul\u00e1cie na prv\u00fd poh\u013ead"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31228\" class=\"elementor elementor-31228 elementor-30081\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f539843 e-flex e-con-boxed e-con e-parent\" data-id=\"f539843\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46db84e elementor-widget elementor-widget-text-editor\" data-id=\"46db84e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/nect.com\/media\/blog\/bargeldobergrenze-bald-auch-in-deutschland\/\" target=\"_blank\" rel=\"noopener\">Platba v hotovosti<\/a> a z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed s\u00fa dve t\u00e9my, ktor\u00e9 s\u00fa \u00fazko prepojen\u00e9. V tomto \u010dl\u00e1nku sa bli\u017e\u0161ie pozrieme na <a href=\"https:\/\/nect.com\/sk\/media\/blog\/pranie-spinavych-penazi-toto-by-ste-mali-urcite-zohladnit\/\" target=\"_blank\" rel=\"noopener\">z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed<\/a> a presk\u00famame, ak\u00e9 d\u00f4sledky m\u00e1 na platby v hotovosti. Okrem toho sa pozrieme do bud\u00facnosti a prediskutujeme mo\u017en\u00e9 trendy a zmeny t\u00fdkaj\u00face sa t\u00fdchto t\u00e9m.  <\/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\">Najd\u00f4le\u017eitej\u0161ie v skratke<\/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>Od hotovostnej sumy <strong>10 000 \u20ac<\/strong> existuje povinnos\u0165 kontroly pod\u013ea z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed.<\/li>\n \t<li>Pri <strong>n\u00e1kupe drah\u00fdch kovov<\/strong> je hotovostn\u00fd limit <strong>2 000 \u20ac<\/strong>. Nad t\u00fato sumu mus\u00ed by\u0165 kupuj\u00faci preveren\u00fd pod\u013ea ustanoven\u00ed z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed. <\/li>\n<li><strong>Hotovostn\u00e9 vklady<\/strong> na vlastn\u00fd bankov\u00fd \u00fa\u010det nad 10 000 \u20ac s\u00fa preverovan\u00e9 na <strong>aktivity prania \u0161pinav\u00fdch pe\u0148az\u00ed<\/strong>.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d48488e elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"d48488e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tObsah\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\">Pochopenie z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed<\/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>Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed je <b>s\u00fabor z\u00e1konov a predpisov<\/b>, ktor\u00fdch cie\u013eom je bojova\u0165 proti neleg\u00e1lnym finan\u010dn\u00fdm tokom a chr\u00e1ni\u0165 finan\u010dn\u00fd svet pred zav\u00e1dzan\u00edm neleg\u00e1lne z\u00edskan\u00fdch pe\u0148az\u00ed.<\/p><p>R\u00f4zne nariadenia zabezpe\u010duj\u00fa, aby ich finan\u010dn\u00e9 in\u0161tit\u00facie a in\u00e9 spolo\u010dnosti dodr\u017eiavali, \u010d\u00edm sa zais\u0165uje, \u017ee nebud\u00fa prij\u00edman\u00e9 ani odovzd\u00e1van\u00e9 \u017eiadne prostriedky poch\u00e1dzaj\u00face z neleg\u00e1lnych zdrojov. Hlavn\u00fdm cie\u013eom z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed je zv\u00fd\u0161i\u0165 transparentnos\u0165 vo finan\u010dnom svete a zabr\u00e1ni\u0165 aktivit\u00e1m prania \u0161pinav\u00fdch pe\u0148az\u00ed. <\/p><p>Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed sa nevz\u0165ahuje len na <a href=\"https:\/\/nect.com\/sk\/odvetvia\/bankovnictvo-a-financne-sluzby\/\" target=\"_blank\" rel=\"noopener\"><b>banky a finan\u010dn\u00e9 in\u0161tit\u00facie<\/b><\/a>, ale aj na in\u00e9 spolo\u010dnosti, ktor\u00e9 nakladaj\u00fa s ve\u013ek\u00fdmi sumami pe\u0148az\u00ed, ako s\u00fa napr\u00edklad <b>realitn\u00ed makl\u00e9ri, pr\u00e1vnici, da\u0148ov\u00ed poradcovia, klenotn\u00edci a <a href=\"https:\/\/nect.com\/sk\/odvetvia\/statne-loterie\/\" target=\"_blank\" rel=\"noopener\">kas\u00edna<\/a><\/b>. Tieto spolo\u010dnosti musia tie\u017e dodr\u017eiava\u0165 ustanovenia z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed a <b>nahlasova\u0165 podozriv\u00e9 aktivity<\/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\">Platba v hotovosti a jej \u0161pecifik\u00e1<\/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>Platba v hotovosti je forma prevodu pe\u0148az\u00ed, pri ktorej sa platby uskuto\u010d\u0148uj\u00fa vo <b>fyzickej forme pe\u0148az\u00ed<\/b>. Na rozdiel od elektronick\u00fdch platieb, pri ktor\u00fdch sa peniaze prev\u00e1dzaj\u00fa bankov\u00fdmi prevodmi alebo transakciami kreditn\u00fdmi kartami, platba v hotovosti prebieha priamo a okam\u017eite. <\/p><p>Platba v hotovosti m\u00e1 svoje v\u00fdhody a nev\u00fdhody. Jednou z v\u00fdhod je <b>okam\u017eit\u00e1 dostupnos\u0165<\/b> pe\u0148az\u00ed. Z\u00e1kazn\u00edci m\u00f4\u017eu plati\u0165 r\u00fdchlo a jednoducho, bez toho, aby museli \u010daka\u0165 na potvrdenia o platbe. Okrem toho platba v hotovosti umo\u017e\u0148uje <b>ochranu s\u00fakromia<\/b>, ke\u010f\u017ee neexistuj\u00fa \u017eiadne elektronick\u00e9 z\u00e1znamy o transakci\u00e1ch.   <\/p><p>Av\u0161ak, platba v hotovosti m\u00e1 aj nev\u00fdhody. Fyzick\u00e9 peniaze m\u00f4\u017eu by\u0165 <b>ukradnut\u00e9 alebo straten\u00e9<\/b>. Okrem toho <b>s\u0165a\u017euje<\/b> platba v hotovosti <b>monitorovanie finan\u010dn\u00fdch tokov<\/b> a dodr\u017eiavanie z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed.  <\/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\">Stru\u010dn\u00fd historick\u00fd preh\u013ead hotovosti<\/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>Hist\u00f3ria platby v hotovosti siaha \u010faleko do minulosti. U\u017e v <b>staroveku<\/b> bolo be\u017en\u00e9 plati\u0165 za tovar a slu\u017eby fyzick\u00fdmi peniazmi. Vtedy sa peniaze skladali hlavne z minc\u00ed, ktor\u00e9 boli vyroben\u00e9 z cenn\u00fdch kovov ako zlato a striebro. Tieto mince boli akceptovan\u00e9 ako platobn\u00fd prostriedok a pou\u017e\u00edvan\u00e9 v mnoh\u00fdch r\u00f4znych kult\u00farach.   <\/p><p>Postupom \u010dasu sa pe\u0148a\u017en\u00fd syst\u00e9m vyv\u00edjal a boli zaveden\u00e9 r\u00f4zne typy bankoviek. Tieto bankovky boli <b>vyd\u00e1van\u00e9 vl\u00e1dami a centr\u00e1lnymi bankami<\/b> a mali pevn\u00fa hodnotu. \u013dudia mohli t\u00fdmito bankovkami plati\u0165 t\u00fdm, \u017ee ich akceptovali ako platobn\u00fd prostriedok.  <\/p><p>V niektor\u00fdch krajin\u00e1ch je platba v hotovosti <b>st\u00e1le prevl\u00e1daj\u00facou platobnou met\u00f3dou<\/b>, zatia\u013e \u010do v in\u00fdch krajin\u00e1ch dominuj\u00fa elektronick\u00e9 platby. Tieto rozdiely odr\u00e1\u017eaj\u00fa odli\u0161n\u00e9 <b>ekonomick\u00e9 a kult\u00farne podmienky<\/b>, ktor\u00e9 existuj\u00fa v r\u00f4znych \u010dastiach sveta. <\/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\">Pre\u010do je hotovos\u0165 d\u00f4le\u017eit\u00e1?<\/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>Hotovos\u0165 nie je len platobn\u00fd prostriedok, ale aj <b>symbol hist\u00f3rie a identity krajiny<\/b>. Mnoh\u00e9 krajiny maj\u00fa svoje vlastn\u00e9 jedine\u010dn\u00e9 mince a bankovky, ktor\u00e9 s\u00fa zdoben\u00e9 n\u00e1rodn\u00fdmi symbolmi a historick\u00fdmi osobnos\u0165ami. <\/p><p>Platba v hotovosti m\u00e1 tie\u017e <b>d\u00f4sledky na ekonomiku<\/b>. V niektor\u00fdch krajin\u00e1ch sa argumentuje, \u017ee pou\u017e\u00edvanie fyzick\u00fdch pe\u0148az\u00ed <b>posil\u0148uje miestnu ekonomiku<\/b>, preto\u017ee peniaze s\u00fa priamo uveden\u00e9 do obehu a prospievaj\u00fa miestnym podnikom. Na druhej strane sa argumentuje, \u017ee elektronick\u00e9 platby s\u00fa efekt\u00edvnej\u0161ie a podporuj\u00fa ekonomiku r\u00fdchlej\u0161\u00edmi transakciami a lep\u0161\u00edm sledovan\u00edm finan\u010dn\u00fdch tokov.  <\/p><p>Existuj\u00fa aj ur\u010dit\u00e9 situ\u00e1cie, v ktor\u00fdch sa uprednost\u0148uje platba v hotovosti. Napr\u00edklad niektor\u00e9 <b>mal\u00e9 obchody a trhy m\u00f4\u017eu akceptova\u0165 iba platby v hotovosti<\/b>, preto\u017ee nemusia <b>disponova\u0165 infra\u0161trukt\u00farou pre elektronick\u00e9 platby<\/b>. Okrem toho niektor\u00ed \u013eudia uprednost\u0148uj\u00fa platbu v hotovosti, aby mali lep\u0161\u00ed preh\u013ead o svojich v\u00fddavkoch a nezadl\u017eili sa.  <\/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\">Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed a platba v hotovosti: Komplexn\u00fd vz\u0165ah<\/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>Vz\u0165ah medzi z\u00e1konom o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed a platbou v hotovosti je komplexn\u00fd. Na jednej strane m\u00e1 z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed za cie\u013e bojova\u0165 proti neleg\u00e1lnym finan\u010dn\u00fdm tokom a zv\u00fd\u0161i\u0165 transparentnos\u0165 vo finan\u010dnom svete. <b>Platba v hotovosti s\u0165a\u017euje monitorovanie finan\u010dn\u00fdch tokov<\/b> a t\u00fdm aj implement\u00e1ciu z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed.  <\/p><p>Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed uklad\u00e1 finan\u010dn\u00fdm in\u0161tit\u00faci\u00e1m a spolo\u010dnostiam pr\u00edsne pravidl\u00e1, aby sa zabezpe\u010dilo, \u017ee nebud\u00fa prij\u00edma\u0165 ani odovzd\u00e1va\u0165 neleg\u00e1lne peniaze. To zah\u0155\u0148a vykon\u00e1vanie postupov identifik\u00e1cie klientov a dokument\u00e1ciu transakci\u00ed. Av\u0161ak tieto <b>opatrenia s\u00fa pri platbe v hotovosti \u0165a\u017e\u0161ie realizovate\u013en\u00e9<\/b>, preto\u017ee <b>neexistuj\u00fa \u017eiadne elektronick\u00e9 z\u00e1znamy<\/b> a klienti m\u00f4\u017eu zosta\u0165 anonymn\u00ed.  <\/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\">\u010co predpisuje z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed oh\u013eadom platieb v hotovosti<\/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\">Ak\u00fd je horn\u00fd limit pre platby v hotovosti?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97b00bc elementor-widget elementor-widget-text-editor\" data-id=\"97b00bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Od 1. janu\u00e1ra 2020 plat\u00ed v Nemecku z\u00e1konn\u00fd horn\u00fd limit pre platby v hotovosti v r\u00e1mci <b>obchodov medzi podnikate\u013emi<\/b> (B2B obchody). Tento <b>horn\u00fd limit je 10 000 \u20ac<\/b>. To znamen\u00e1, \u017ee platby v hotovosti v tomto kontexte nesm\u00fa by\u0165 vy\u0161\u0161ie ako 10 000 \u20ac.  <\/p><p>Pre <b>obchody medzi spotrebite\u013emi a podnikate\u013emi<\/b> (B2C obchody) neexistuje <b>\u017eiadny explicitn\u00fd z\u00e1konn\u00fd horn\u00fd limit<\/b> pre platby v hotovosti. Je d\u00f4le\u017eit\u00e9 poznamena\u0165, \u017ee platby v hotovosti nad 10 000 \u20ac v Nemecku m\u00f4\u017eu by\u0165 za ur\u010dit\u00fdch okolnost\u00ed pova\u017eovan\u00e9 za podozriv\u00e9 a <b>podliehaj\u00fa oznamovacej povinnosti pod\u013ea z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed<\/b>. V tak\u00fdchto pr\u00edpadoch mus\u00ed poskytovate\u013e platobn\u00fdch slu\u017eieb alebo \u00faverov\u00e1 in\u0161tit\u00facia nahl\u00e1si\u0165 transakciu <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Finan\u010dnej spravodajskej jednotke (FIU)<\/a>.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-491831b elementor-widget elementor-widget-heading\" data-id=\"491831b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Existuje oznamovacia a preukazovacia povinnos\u0165 pre platby v hotovosti?<\/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\t\u00c1no, v Nemecku existuje oznamovacia aj preukazovacia povinnos\u0165 pre platby v hotovosti, najm\u00e4 v r\u00e1mci z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed (GwG).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1032e28 elementor-widget elementor-widget-text-editor\" data-id=\"1032e28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol>\n \t<li style=\"padding-bottom: 12px;\"><strong>Oznamovacia povinnos\u0165:<\/strong> Pod\u013ea z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed s\u00fa \u00faverov\u00e9 in\u0161tit\u00facie, finan\u010dn\u00e9 slu\u017eby a ur\u010dit\u00e9 in\u00e9 profesijn\u00e9 skupiny povinn\u00e9 <strong>nahlasova\u0165<\/strong> pr\u00edslu\u0161n\u00fdm org\u00e1nom <strong>transakcie, ktor\u00e9 dosahuj\u00fa 10 000 \u20ac alebo viac<\/strong>. To plat\u00ed pre platby v hotovosti, elektronick\u00e9 prevody a in\u00e9 finan\u010dn\u00e9 transakcie. <\/li>\n <li><strong>Preukazovacia povinnos\u0165:<\/strong> Pri platb\u00e1ch v hotovosti nad 10 000 \u20ac existuje povinnos\u0165 <strong>zisti\u0165 a zaznamena\u0165<\/strong> identitu zmluvn\u00fdch partnerov. To znamen\u00e1, \u017ee <strong>podnikatelia s\u00fa povinn\u00ed<\/strong> overi\u0165 <strong>osobn\u00e9 \u00fadaje<\/strong> svojich obchodn\u00fdch partnerov a <strong>zdokumentova\u0165 transakciu<\/strong>. Toto sa mus\u00ed uskuto\u010dni\u0165 do <strong>\u0161tyroch t\u00fd\u017ed\u0148ov<\/strong> po ukon\u010den\u00ed obchodn\u00e9ho vz\u0165ahu.  <\/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>Je d\u00f4le\u017eit\u00e9 poznamena\u0165, \u017ee oznamovacia povinnos\u0165 sa nevz\u0165ahuje len na banky, ale aj na in\u00e9 odvetvia, vr\u00e1tane <b>realitn\u00fdch makl\u00e9rov, klenotn\u00edkov, not\u00e1rov a \u010fal\u0161\u00edch, ktor\u00ed s\u00fa uveden\u00ed v <\/b><a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\"><b>\u00a7 2 GwG<\/b><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c0272a elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"0c0272a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-102b257 e-con-full e-flex e-con e-child\" data-id=\"102b257\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6268f6 elementor-widget elementor-widget-heading\" data-id=\"a6268f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ako pom\u00e1ha 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\tUr\u00fdchli svoje compliance procesy bez n\u00e1mahy a v s\u00falade so z\u00e1konom: Objav Nect, osved\u010den\u00fa platformu pre <b>pr\u00e1vnikov, da\u0148ov\u00fdch poradcov, not\u00e1rov, aud\u00edtorov a realitn\u00fdch makl\u00e9rov<\/b>. Po\u0161li n\u00e1m dopyt a zaisti si pr\u00edstup k efekt\u00edvnym, bezpe\u010dn\u00fdm a komfortn\u00fdm rie\u0161eniam pre svojich klientov \u2013 vyu\u017ei teraz osved\u010den\u00fa vo\u013ebu mnoh\u00fdch renomovan\u00fdch kancel\u00e1ri\u00ed. \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-31103\" alt=\"Prehliada\u010d s KYB pos\u00faden\u00edm rizika KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2788fed elementor-widget elementor-widget-button\" data-id=\"2788fed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Dohodn\u00fa\u0165 demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4c0c2b elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"f4c0c2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f08709 elementor-widget elementor-widget-heading\" data-id=\"2f08709\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u010co sa stane pri platb\u00e1ch v hotovosti nad 10 000 \u20ac?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f055e7c elementor-widget elementor-widget-text-editor\" data-id=\"f055e7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pri platb\u00e1ch v hotovosti nad 10 000 \u20ac v Nemecku existuje oznamovacia povinnos\u0165 pre \u00faverov\u00e9 in\u0161tit\u00facie a ur\u010dit\u00e9 profesijn\u00e9 skupiny. Okrem toho musia podnikatelia overi\u0165 a zdokumentova\u0165 identitu svojich zmluvn\u00fdch partnerov. <b>Nedodr\u017eanie<\/b> t\u00fdchto predpisov m\u00f4\u017ee vies\u0165 k <b>pokut\u00e1m<\/b> a <b>trestnopr\u00e1vnym d\u00f4sledkom<\/b>. Presn\u00e9 pokuty n\u00e1jdete v <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\">katal\u00f3gu pok\u00fat<\/a>.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7525354 elementor-widget elementor-widget-heading\" data-id=\"7525354\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ak\u00e9 \u0161peci\u00e1lne regul\u00e1cie platia pre klenotn\u00edkov?<\/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\tAj klenotn\u00edci a in\u00ed obchodn\u00edci s luxusn\u00fdm tovarom s\u00fa povinn\u00ed od hotovostn\u00e9ho limitu 10 000 \u20ac preveri\u0165 identitu z\u00e1kazn\u00edka a s t\u00fdm spojen\u00fa anal\u00fdzu riz\u00edk. Cie\u013eom je preuk\u00e1za\u0165 p\u00f4vod pe\u0148az\u00ed a t\u00fdm zabr\u00e1ni\u0165 praniu \u0161pinav\u00fdch pe\u0148az\u00ed.  \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\">\u010co musia v tejto s\u00favislosti not\u00e1ri zoh\u013eadni\u0165 pri k\u00fape nehnute\u013enost\u00ed?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b09d1 elementor-widget elementor-widget-text-editor\" data-id=\"a2b09d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.buzer.de\/gesetz\/15667\/index.htm\" target=\"_blank\" rel=\"noopener\">Druh\u00fd z\u00e1kon o presadzovan\u00ed sankci\u00ed<\/a> (SDG II) nadobudol \u00fa\u010dinnos\u0165 koncom roka 2022 a s n\u00edm spojen\u00e9 zmeny v z\u00e1kone o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed (GwG) sa postupne st\u00e1vaj\u00fa relevantn\u00fdmi. Od 1. apr\u00edla <b>u\u017e nie je povolen\u00e9 plati\u0165 za nehnute\u013enosti v hotovosti<\/b>. SDG II je \u010dl\u00e1nkov\u00fd z\u00e1kon, ktor\u00fd men\u00ed r\u00f4zne z\u00e1kony, vr\u00e1tane z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed.  <\/p><p>Z\u00e1kaz platby v hotovosti plat\u00ed pre pr\u00e1vne \u00fakony, ktor\u00e9 s\u00fa uzavret\u00e9 <b>po 1. apr\u00edli 2023<\/b> (\u00a7 59 ods. 11 GwG). Na zabezpe\u010denie tohto musia zmluvn\u00e9 strany <b>preuk\u00e1za\u0165<\/b> not\u00e1rovi, \u017ee platba za nehnute\u013enos\u0165 nebola vykonan\u00e1 v hotovosti. <b>Not\u00e1r je povinn\u00fd tento d\u00f4kaz preveri\u0165<\/b>. V pr\u00edpade poru\u0161enia z\u00e1kazu platby v hotovosti a preukazovacej povinnosti mus\u00ed not\u00e1r t\u00fato skuto\u010dnos\u0165 nahl\u00e1si\u0165 Finan\u010dnej spravodajskej jednotke (FIU).   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dc1c74 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"8dc1c74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7914427 elementor-widget elementor-widget-heading\" data-id=\"7914427\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bud\u00facnos\u0165 platby v hotovosti vo svetle z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed<\/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>Bud\u00facnos\u0165 platby v hotovosti v s\u00favislosti so z\u00e1konom o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed je neist\u00e1. Je mo\u017en\u00e9, \u017ee v\u00fdznam platby v hotovosti klesne a dominantn\u00fdmi sa stan\u00fa elektronick\u00e9 platobn\u00e9 met\u00f3dy. Na druhej strane by mohlo d\u00f4js\u0165 aj k posilneniu regul\u00e1cie platby v hotovosti s cie\u013eom u\u013eah\u010di\u0165 presadzovanie z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed.  <\/p><p>Zost\u00e1va <b>len \u010daka\u0165<\/b>, ako sa bud\u00fa vyv\u00edja\u0165 legislat\u00edvne a technologick\u00e9 zmeny v s\u00favislosti s touto t\u00e9mou. Je v\u0161ak jasn\u00e9, \u017ee vz\u0165ah medzi z\u00e1konom o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed a platbou v hotovosti je komplexn\u00fd a neust\u00e1le sa meniaci. <\/p><p>Je d\u00f4le\u017eit\u00e9, aby finan\u010dn\u00e9 in\u0161tit\u00facie, spolo\u010dnosti a vl\u00e1dy na\u010falej pracovali na zlep\u0161en\u00ed boja proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed a z\u00e1rove\u0148 zoh\u013ead\u0148ovali potreby a po\u017eiadavky spotrebite\u013eov.<\/p><p>Silnej\u0161ia regul\u00e1cia by napr\u00edklad mohla vies\u0165 k tomu, \u017ee <b>platby v hotovosti nad ur\u010dit\u00e9 sumy u\u017e nebud\u00fa povolen\u00e9<\/b> alebo \u017ee <b>pre platby v hotovosti bud\u00fa plati\u0165 dodato\u010dn\u00e9 identifika\u010dn\u00e9 a oznamovacie povinnosti<\/b>.<\/p><p>To by mohlo vies\u0165 k tomu, \u017ee platba v hotovosti sa pre niektor\u00fdch spotrebite\u013eov stane <b>neatrakt\u00edvnou<\/b> a \u017ee sa bud\u00fa uprednost\u0148ova\u0165 elektronick\u00e9 platobn\u00e9 met\u00f3dy. Mohlo by to tie\u017e vies\u0165 k <b>poklesu anonymity<\/b> pri platb\u00e1ch v hotovosti, ke\u010f\u017ee bude potrebn\u00e9 zaznamen\u00e1va\u0165 viac \u00fadajov o klientoch a transakci\u00e1ch. <\/p><p>Je d\u00f4le\u017eit\u00e9, aby v\u0161etky z\u00fa\u010dastnen\u00e9 strany pozorne sledovali tento v\u00fdvoj a nach\u00e1dzali rie\u0161enia, ktor\u00e9 zoh\u013ead\u0148uj\u00fa ochranu pred neleg\u00e1lnymi finan\u010dn\u00fdmi tokmi aj potreby spotrebite\u013eov.<\/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>Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed reguluje platby v hotovosti a zav\u00e1dza povinnos\u0165 preukazovania a oznamovania pre platby nad 10 000 \u20ac, u obchodn\u00edkov s drah\u00fdmi kovmi od 2 000 \u20ac.<\/p>\n","protected":false},"author":1,"featured_media":31229,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[812],"tags":[834,830,813],"class_list":["post-31228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-prevencia-podvodov","tag-regulacne","tag-sulad"],"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>Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed a platba v hotovosti: V\u0161etky regul\u00e1cie na prv\u00fd poh\u013ead - Nect<\/title>\n<meta name=\"description\" content=\"Z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pe\u0148az\u00ed reguluje platby v hotovosti a zav\u00e1dza povinnos\u0165 preukazovania a oznamovania pre platby nad 10 000 \u20ac, u obchodn\u00edkov s drah\u00fdmi kovmi od 2 000 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