{"id":31231,"date":"2026-01-18T15:36:10","date_gmt":"2026-01-18T14:36:10","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/zakon-o-preprecevanju-pranja-denarja-in-gotovinsko-placilo-vsi-predpisi-na-enem-mestu\/"},"modified":"2026-10-27T20:19:53","modified_gmt":"2026-10-27T19:19:53","slug":"zakon-o-preprecevanju-pranja-denarja-in-gotovinsko-placilo-vsi-predpisi-na-enem-mestu","status":"publish","type":"post","link":"https:\/\/nect.com\/sl\/media\/blog\/zakon-o-preprecevanju-pranja-denarja-in-gotovinsko-placilo-vsi-predpisi-na-enem-mestu\/","title":{"rendered":"Zakon o prepre\u010devanju pranja denarja in gotovinsko pla\u010dilo: Vsi predpisi na enem mestu"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31231\" class=\"elementor elementor-31231 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\/sl\/media\/blog\/zgornja-meja-za-gotovino-kmalu-tudi-v-nemciji\/\" target=\"_blank\" rel=\"noopener\">Gotovinsko pla\u010dilo<\/a> in Zakon o prepre\u010devanju pranja denarja sta dve temi, ki sta tesno povezani. V tem \u010dlanku bomo podrobneje preu\u010dili <a href=\"https:\/\/nect.com\/sl\/media\/blog\/pranje-denarja-na-to-morate-nujno-biti-pozorni\/\" target=\"_blank\" rel=\"noopener\">Zakon o prepre\u010devanju pranja denarja<\/a> in raziskali, kak\u0161ne posledice ima za gotovinsko pla\u010dilo. Poleg tega bomo pogledali v prihodnost in razpravljali o mo\u017enih trendih in spremembah v zvezi s temi temami.  <\/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\">Najpomembnej\u0161e na kratko<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1953b58 elementor-widget elementor-widget-text-editor\" data-id=\"1953b58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Za gotovinske zneske nad <strong>10.000 \u20ac<\/strong> obstaja obveznost preverjanja v skladu z Zakonom o prepre\u010devanju pranja denarja.<\/li>\n \t<li>Pri <strong>nakupu \u017elahtnih kovin<\/strong> je prag za gotovino <strong>2.000 \u20ac<\/strong>. Nad tem zneskom je treba kupca preveriti v skladu z dolo\u010dbami Zakona o prepre\u010devanju pranja denarja. <\/li>\n<li><strong>Gotovinska nakazila<\/strong> na lastni ban\u010dni ra\u010dun v vi\u0161ini nad 10.000 \u20ac se preverjajo glede <strong>aktivnosti pranja denarja<\/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\tKazalo vsebine\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\">Razumevanje Zakona o prepre\u010devanju pranja denarja<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-530e5e8 elementor-widget elementor-widget-text-editor\" data-id=\"530e5e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Zakon o prepre\u010devanju pranja denarja je <b>niz zakonov in predpisov<\/b>, ki so namenjeni boju proti nezakonitim denarnim tokovom in za\u0161\u010diti finan\u010dnega sveta pred vklju\u010devanjem nezakonito pridobljenih sredstev.<\/p><p>Razli\u010dni predpisi zagotavljajo, da jih finan\u010dne institucije in druga podjetja upo\u0161tevajo, da se prepre\u010di sprejemanje ali posredovanje sredstev, ki izvirajo iz nezakonitih virov. Glavni cilj Zakona o prepre\u010devanju pranja denarja je pove\u010dati preglednost v finan\u010dnem svetu in prepre\u010diti aktivnosti pranja denarja. <\/p><p>Zakon o prepre\u010devanju pranja denarja ne velja samo za <a href=\"https:\/\/nect.com\/sl\/panoge\/bancnistvo-in-financne-storitve\/\" target=\"_blank\" rel=\"noopener\"><b>banke in finan\u010dne institucije<\/b><\/a>, temve\u010d tudi za druga podjetja, ki poslujejo z velikimi denarnimi zneski, kot so <b>nepremi\u010dninski posredniki, odvetniki, dav\u010dni svetovalci, draguljarji in <a href=\"https:\/\/nect.com\/sl\/panoge\/drzavne-loterije\/\" target=\"_blank\" rel=\"noopener\">igralnice<\/a><\/b>. Ta podjetja morajo prav tako upo\u0161tevati dolo\u010dbe Zakona o prepre\u010devanju pranja denarja in <b>poro\u010dati o sumljivih aktivnostih<\/b>. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-050feb6 elementor-widget elementor-widget-spacer\" data-id=\"050feb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfae492 elementor-widget elementor-widget-heading\" data-id=\"cfae492\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Gotovinsko pla\u010dilo in njegove posebnosti<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff907f elementor-widget elementor-widget-text-editor\" data-id=\"1ff907f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gotovinsko pla\u010dilo je oblika denarnega prenosa, pri kateri se pla\u010dila izvajajo v <b>fizi\u010dni obliki denarja<\/b>. Za razliko od elektronskih pla\u010dil, kjer se denar prena\u0161a prek ban\u010dnih nakazil ali transakcij s kreditnimi karticami, se gotovinsko pla\u010dilo izvede neposredno in takoj. <\/p><p>Gotovinsko pla\u010dilo ima svoje prednosti in slabosti. Ena od prednosti je <b>takoj\u0161nja razpolo\u017eljivost<\/b> denarja. Stranke lahko hitro in enostavno pla\u010dajo, ne da bi morale \u010dakati na potrdila o pla\u010dilu. Poleg tega gotovinsko pla\u010dilo omogo\u010da <b>za\u0161\u010dito zasebnosti<\/b>, saj ni elektronskih zapisov transakcij.   <\/p><p>Vendar pa ima gotovinsko pla\u010dilo tudi slabosti. Fizi\u010dni denar se lahko <b>ukrade ali izgubi<\/b>. Poleg tega gotovinsko pla\u010dilo <b>ote\u017euje<\/b> <b>nadzor nad denarnimi tokovi<\/b> in spo\u0161tovanje Zakona o prepre\u010devanju pranja denarja.  <\/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\">Kratek zgodovinski pregled gotovine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97fe02e elementor-widget elementor-widget-text-editor\" data-id=\"97fe02e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Zgodovina gotovinskega pla\u010devanja sega dale\u010d nazaj. \u017de v <b>antiki<\/b> je bilo obi\u010dajno pla\u010devati blago in storitve s fizi\u010dnim denarjem. Takrat je denar ve\u010dinoma sestavljal iz kovancev, izdelanih iz dragocenih kovin, kot sta zlato in srebro. Ti kovanci so bili sprejeti kot pla\u010dilno sredstvo in so se uporabljali v \u0161tevilnih razli\u010dnih kulturah.   <\/p><p>S\u010dasoma se je denarni sistem razvijal in uvedene so bile razli\u010dne vrste bankovcev. Te bankovce so <b>izdale vlade in centralne banke<\/b> in so imeli dolo\u010deno vrednost. Ljudje so lahko pla\u010devali s temi bankovci, tako da so jih sprejeli kot pla\u010dilno sredstvo.  <\/p><p>V nekaterih dr\u017eavah je gotovinsko pla\u010dilo <b>\u0161e vedno prevladujo\u010da pla\u010dilna metoda<\/b>, medtem ko v drugih dr\u017eavah prevladujejo elektronska pla\u010dila. Te razlike odra\u017eajo razli\u010dne <b>ekonomske in kulturne razmere<\/b>, ki obstajajo v razli\u010dnih delih 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\">Zakaj je gotovina pomembna?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7810b8d elementor-widget elementor-widget-text-editor\" data-id=\"7810b8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gotovina ni le pla\u010dilno sredstvo, temve\u010d tudi <b>simbol zgodovine in identitete dr\u017eave<\/b>. Mnoge dr\u017eave imajo svoje edinstvene kovance in bankovce, ki so okra\u0161eni z nacionalnimi simboli in zgodovinskimi osebnostmi. <\/p><p>Gotovinsko pla\u010dilo ima tudi <b>posledice za gospodarstvo<\/b>. V nekaterih dr\u017eavah se trdi, da uporaba fizi\u010dnega denarja <b>krepi lokalno gospodarstvo<\/b>, saj se denar neposredno sprosti v obtok in koristi lokalnim podjetjem. Po drugi strani se trdi, da so elektronska pla\u010dila u\u010dinkovitej\u0161a in podpirajo gospodarstvo s hitrej\u0161imi transakcijami in bolj\u0161im sledenjem denarnih tokov.  <\/p><p>Obstajajo tudi dolo\u010dene situacije, v katerih je gotovinsko pla\u010dilo prednostno. Na primer, nekatere <b>majhne trgovine in tr\u017enice lahko sprejemajo samo gotovinska pla\u010dila<\/b>, saj morda <b>nimajo infrastrukture za elektronska pla\u010dila<\/b>. Poleg tega nekateri ljudje raje pla\u010dujejo z gotovino, da bolje spremljajo svoje stro\u0161ke in se ne zadol\u017eijo.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5510e22 elementor-widget elementor-widget-spacer\" data-id=\"5510e22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7379d27 elementor-widget elementor-widget-heading\" data-id=\"7379d27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zakon o prepre\u010devanju pranja denarja in gotovinsko pla\u010dilo: Kompleksen odnos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a207af3 elementor-widget elementor-widget-text-editor\" data-id=\"a207af3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Odnos med Zakonom o prepre\u010devanju pranja denarja in gotovinskim pla\u010dilom je kompleksen. Po eni strani je cilj Zakona o prepre\u010devanju pranja denarja boj proti nezakonitim denarnim tokovom in pove\u010danje preglednosti v finan\u010dnem svetu. <b>Gotovinsko pla\u010dilo ote\u017euje nadzor nad denarnimi tokovi<\/b> in s tem izvajanje Zakona o prepre\u010devanju pranja denarja.  <\/p><p>Zakon o prepre\u010devanju pranja denarja nalaga finan\u010dnim institucijam in podjetjem stroga pravila, da zagotovijo, da ne sprejemajo ali posredujejo nezakonitih sredstev. To vklju\u010duje izvajanje postopkov identifikacije strank in dokumentiranje transakcij. Vendar pa so ti <b>ukrepi pri gotovinskem pla\u010dilu te\u017eje izvedljivi<\/b>, saj <b>ni elektronskih zapisov<\/b> in stranke lahko ostanejo anonimne.  <\/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\">Kaj dolo\u010da Zakon o prepre\u010devanju pranja denarja glede gotovinskih pla\u010dil<\/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\">Kolik\u0161na je zgornja meja gotovinskih pla\u010dil?<\/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. januarja 2020 v Nem\u010diji velja zakonska zgornja meja za gotovinska pla\u010dila v okviru <b>poslov med podjetji<\/b> (B2B posli). Ta <b>zgornja meja zna\u0161a 10.000 \u20ac<\/b>. To pomeni, da gotovinska pla\u010dila v tem kontekstu ne smejo presegati 10.000 \u20ac.  <\/p><p>Za <b>posle med potro\u0161niki in podjetji<\/b> (B2C posli) <b>ni izrecne zakonske zgornje meje<\/b> za gotovinska pla\u010dila. Pomembno je opozoriti, da se gotovinska pla\u010dila nad 10.000 \u20ac v Nem\u010diji v dolo\u010denih okoli\u0161\u010dinah \u0161tejejo za sumljiva in so <b>predmet obveznosti poro\u010danja v skladu z Zakonom o prepre\u010devanju pranja denarja<\/b>. V takih primerih mora ponudnik pla\u010dilnih storitev ali kreditna institucija transakcijo prijaviti <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Finan\u010dni obve\u0161\u010devalni enoti (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\">Ali obstaja obveznost poro\u010danja in dokazovanja za gotovinska pla\u010dila?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b39f5a7 elementor-widget elementor-widget-text-editor\" data-id=\"b39f5a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDa, v Nem\u010diji obstaja tako obveznost poro\u010danja kot obveznost dokazovanja za gotovinska pla\u010dila, zlasti v okviru Zakona o prepre\u010devanju pranja denarja (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>Obveznost poro\u010danja:<\/strong> V skladu z Zakonom o prepre\u010devanju pranja denarja so kreditne institucije, finan\u010dne storitve in dolo\u010dene druge poklicne skupine dol\u017ene <strong>poro\u010dati<\/strong> pristojnim organom o <strong>transakcijah, ki zna\u0161ajo 10.000 \u20ac ali ve\u010d<\/strong>. To velja za gotovinska pla\u010dila, elektronska nakazila in druge finan\u010dne transakcije. <\/li>\n <li><strong>Obveznost dokazovanja:<\/strong> Pri gotovinskih pla\u010dilih nad 10.000 \u20ac obstaja obveznost <strong>ugotavljanja in bele\u017eenja<\/strong> identitete pogodbenih strank. To pomeni, da so <strong>podjetniki dol\u017eni<\/strong> preveriti <strong>osebne podatke<\/strong> svojih poslovnih partnerjev in <strong>dokumentirati transakcijo<\/strong>. To mora biti storjeno v roku <strong>\u0161tirih tednov<\/strong> po zaklju\u010dku poslovnega razmerja.  <\/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>Pomembno je opozoriti, da obveznost poro\u010danja ne velja samo za banke, temve\u010d tudi za druge panoge, vklju\u010dno z <b>nepremi\u010dninskimi posredniki, draguljarji, notarji in drugimi, ki so navedeni 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\">Kako pomaga 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\tPospe\u0161ite svoje procese skladnosti brez napora in pravno varno: Odkrijte Nect, preizku\u0161eno platformo za <b>odvetnike, dav\u010dne svetovalce, notarje, revizorje in nepremi\u010dninske posrednike<\/b>. Po\u0161ljite nam povpra\u0161evanje in si zagotovite dostop do u\u010dinkovitih, varnih in udobnih re\u0161itev za va\u0161e stranke \u2013 izkoristite preizku\u0161eno izbiro \u0161tevilnih uglednih odvetni\u0161kih pisarn. \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-31128\" alt=\"Brskalnik z oceno tveganja KYB KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2788fed elementor-widget elementor-widget-button\" data-id=\"2788fed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Dogovorite se za predstavitev<\/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\">Kaj se zgodi pri gotovinskih pla\u010dilih 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 gotovinskih pla\u010dilih nad 10.000 \u20ac v Nem\u010diji obstaja obveznost poro\u010danja za kreditne institucije in dolo\u010dene poklicne skupine. Poleg tega morajo podjetniki preveriti in dokumentirati identiteto svojih pogodbenih strank. <b>Neupo\u0161tevanje<\/b> teh predpisov lahko povzro\u010di <b>globe<\/b> in <b>kazenskopravne posledice<\/b>. Natan\u010dne globe so navedene 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\">katalogu glob<\/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\">Kak\u0161ni posebni predpisi veljajo za draguljarje?<\/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\tTudi draguljarji in drugi trgovci z luksuznim blagom so dol\u017eni, da od gotovinskega praga 10.000 \u20ac preverijo identiteto stranke in s tem izvedejo analizo tveganja. Cilj je dokazati vir denarja in tako prepre\u010diti pranje denarja.  \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\">Kaj morajo notarji upo\u0161tevati pri nakupu nepremi\u010dnin?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b09d1 elementor-widget elementor-widget-text-editor\" data-id=\"a2b09d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.buzer.de\/gesetz\/15667\/index.htm\" target=\"_blank\" rel=\"noopener\">Drugi zakon o izvr\u0161evanju sankcij<\/a> (SDG II) je za\u010del veljati konec leta 2022, z njim povezane spremembe v Zakonu o prepre\u010devanju pranja denarja (GwG) pa postopoma postajajo relevantne. Od 1. aprila <b>ni ve\u010d dovoljeno pla\u010devati nepremi\u010dnin z gotovino<\/b>. SDG II je \u010dlenitveni zakon, ki spreminja razli\u010dne zakone, vklju\u010dno z Zakonom o prepre\u010devanju pranja denarja.  <\/p><p>Prepoved gotovinskega pla\u010dila velja za pravne posle, sklenjene <b>po 1. aprilu 2023<\/b> (\u00a7 59, odst. 11 GwG). Da bi to zagotovili, morajo pogodbene stranke notarju <b>dokazati<\/b>, da pla\u010dilo nepremi\u010dnine ni bilo izvedeno z gotovino. <b>Notar je dol\u017ean preveriti to dokazilo<\/b>. V primeru kr\u0161itev prepovedi gotovinskega pla\u010dila in obveznosti dokazovanja mora notar to prijaviti Finan\u010dni obve\u0161\u010devalni enoti (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\">Prihodnost gotovinskega pla\u010dila v lu\u010di Zakona o prepre\u010devanju pranja denarja<\/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>Prihodnost gotovinskega pla\u010dila v povezavi z Zakonom o prepre\u010devanju pranja denarja je negotova. Mo\u017eno je, da se bo pomen gotovinskega pla\u010dila zmanj\u0161al in da bodo prevladovale elektronske pla\u010dilne metode. Po drugi strani pa bi lahko pri\u0161lo tudi do poostrene regulacije gotovinskega pla\u010dila, da bi se olaj\u0161alo uveljavljanje Zakona o prepre\u010devanju pranja denarja.  <\/p><p><b>Ostaja za videti<\/b>, kako se bodo razvijali zakonodaja in tehnolo\u0161ki razvoj v zvezi s to temo. Jasno pa je, da je odnos med Zakonom o prepre\u010devanju pranja denarja in gotovinskim pla\u010dilom kompleksen in se nenehno spreminja. <\/p><p>Pomembno je, da finan\u010dne institucije, podjetja in vlade \u0161e naprej delajo na izbolj\u0161anju boja proti pranju denarja in hkrati upo\u0161tevajo potrebe in zahteve potro\u0161nikov.<\/p><p>Mo\u010dnej\u0161a regulacija bi lahko na primer povzro\u010dila, da <b>gotovinska pla\u010dila nad dolo\u010denimi zneski ne bi bila ve\u010d dovoljena<\/b> ali da bi veljale <b>dodatne obveznosti identifikacije in poro\u010danja za gotovinska pla\u010dila<\/b>.<\/p><p>To bi lahko povzro\u010dilo, da bi gotovinsko pla\u010dilo za nekatere potro\u0161nike postalo <b>neprivla\u010dno<\/b> in da bi bile prednostne elektronske pla\u010dilne metode. Lahko bi tudi pri\u0161lo do <b>zmanj\u0161anja anonimnosti<\/b> pri gotovinskih pla\u010dilih, saj bi bilo treba zbirati ve\u010d podatkov o strankah in transakcijah. <\/p><p>Pomembno je, da vsi vpleteni pozorno spremljajo te dogodke in najdejo re\u0161itve, ki upo\u0161tevajo tako za\u0161\u010dito pred nezakonitimi denarnimi tokovi kot tudi potrebe potro\u0161nikov.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Zakon o prepre\u010devanju pranja denarja ureja gotovinsko pla\u010dilo in uvaja obveznost dokazovanja in poro\u010danja za pla\u010dila nad 10.000 \u20ac, pri trgovcih z \u017elahtnimi kovinami pa nad 2.000 \u20ac.<\/p>\n","protected":false},"author":1,"featured_media":31232,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[821],"tags":[835,823,822],"class_list":["post-31231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-preprecevanje-goljufij","tag-regulativa","tag-skladnost"],"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>Zakon o prepre\u010devanju pranja denarja in gotovinsko pla\u010dilo: Vsi predpisi na enem mestu - Nect<\/title>\n<meta name=\"description\" content=\"Zakon o prepre\u010devanju pranja denarja ureja gotovinsko pla\u010dilo in uvaja obveznost dokazovanja in poro\u010danja za pla\u010dila nad 10.000 \u20ac, pri trgovcih z \u017elahtnimi kovinami pa nad 2.000 \u20ac.\" \/>\n<meta name=\"robots\" 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