Prin\u00e1\u0161ame inform\u00e1cie o novink\u00e1ch t\u00fdkaj\u00facich sa podnikate\u013esk\u00fdch \u00fa\u010dtov, ich ponuku, v\u00fdhody aj preh\u013ead z\u00e1kladn\u00fdch poplatkov vr\u00e1tane t\u00fdch za v\u00fdber z bankomatu.
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Na zalo\u017eenie podnikate\u013esk\u00e9ho \u00fa\u010dtu, ktor\u00fd je obdobou be\u017en\u00e9ho \u00fa\u010dtu, sta\u010d\u00ed doklad toto\u017enosti a v\u00fdpis zo \u017eivnostensk\u00e9ho registra. U niektor\u00fdch b\u00e1nk je mo\u017en\u00e9 si ho zalo\u017ei\u0165 aj online. Pri v\u00fdbere podnikate\u013esk\u00e9ho \u00fa\u010dtu hraj\u00fa \u00falohu poplatky, ale aj jednoduch\u00e1 obsluha a funk\u010dnos\u0165, dostupnos\u0165 pobo\u010diek a bankomatov alebo d\u00f4veryhodnos\u0165 banky v\u0161eobecne.<\/p>\n\n\n\n
UniCredit Bank m\u00e1 od za\u010diatku j\u00fala pre podnikate\u013esk\u00e9 subjekty nov\u00fa ponuku \u00fa\u010dtov. Klienti tak maj\u00fa na v\u00fdber z viacer\u00fdch variantov a m\u00f4\u017eu si tak vybra\u0165 presne t\u00fa, ktor\u00e1 najviac zodpoved\u00e1 ich potreb\u00e1m. Na konte Business tak vystriedali tri \u00fa\u010dty: Business Start pre podnikate\u013eov, kde je vedenie zadarmo, a Business Open a Business Top pre podnikate\u013eov a mal\u00e9 firmy s poplatkom za vedenie as roz\u0161\u00edren\u00fdmi v\u00fdhodami.<\/p>\n\n\n\n
V mBank ani v Banke Creditas nemenili produktov\u00fa ponuku ani cenn\u00edk. \u010co sa v Banke Creditas priebe\u017ene men\u00ed, je prib\u00fadaj\u00faci po\u010det b\u00e1nk (\u010desk\u00fdch aj slovensk\u00fdch), ich \u00fa\u010dty je mo\u017en\u00e9 napoji\u0165 a ovl\u00e1da\u0165 cez digit\u00e1lne bankovn\u00edctvo. Aktu\u00e1lne je ich u\u017e 21. Na jar 2022 tie\u017e Creditas umo\u017enila ma\u0165 k eurov\u00e9mu \u00fa\u010dtu aj eurov\u00fa platobn\u00fa kartu. To d\u00e1va zmysel t\u00fdm podnikate\u013eom, ktor\u00ed maj\u00fa pr\u00edjmy aj v\u00fddavky v eur\u00e1ch. V\u010faka platb\u00e1m eurovou kartou sa vyhn\u00fa konverzii, doplnila Lucie Bruncl\u00edkov\u00e1, riadite\u013eka komunik\u00e1cie a marketingu z Banky Creditas.<\/p>\n\n\n\n
Vo Fio banke zase od za\u010diatku roka za\u010dali pon\u00faka\u0165 zadarmo Visa karty, s ktor\u00fdmi m\u00f4\u017eu podnikatelia vybera\u0165 neobmedzene po celom svete zadarmo. Vydanie aj vedenie karty je zadarmo pre majite\u013ea aj pre jednu \u010fal\u0161iu osobu, pri\u010dom v jednej chv\u00edli je mo\u017en\u00e9 ma\u0165 vydan\u00fa jednu kartu zadarmo, upres\u0148uje tla\u010dov\u00fd hovorca banky Jakub He\u0159m\u00e1nek. Ako uviedol Franti\u0161ek Bouc z tla\u010dov\u00e9ho centra \u010ceskej sporite\u013ene, tak u nich k v\u00e4\u010d\u0161\u00edm zmen\u00e1m v cenn\u00edku nedo\u0161lo a upravovali poplatok za vydanie n\u00e1hradnej karty na pobo\u010dke a menili poplatok za v\u00fdbery cudz\u00edch mien v hotovosti, \u010do sa dotkne jednotiek klientov.<\/p>\n\n\n\n
Ponuka podnikate\u013esk\u00fdch \u00fa\u010dtov a ich v\u00fdhody
V Banke Creditas je vedenie \u00fa\u010dtu a najbe\u017enej\u0161ie platobn\u00e9 transakcie zadarmo. Okrem vedenia \u00fa\u010dtu v eur\u00e1ch pon\u00faka banka aj vedenie v cudz\u00edch men\u00e1ch. V\u010faka \u0161ikovn\u00fdm aplik\u00e1ci\u00e1m mobiln\u00e9ho a internetov\u00e9ho bankovn\u00edctva s intuit\u00edvnym ovl\u00e1dan\u00edm a v\u010faka mo\u017enosti pripoji\u0165 \u010fal\u0161ie banky \u010di API m\u00f4\u017eu podnikatelia svoje \u00fa\u010dty spravova\u0165 pohodlne a efekt\u00edvne, opisuje Lucie Bruncl\u00edkov\u00e1.<\/p>\n\n\n\n
V \u010ceskej sporite\u013eni si podnikatelia pod\u013ea ich potrieb m\u00f4\u017eu vybra\u0165 z troch variantov \u00fa\u010dtov: Podnikate\u013esk\u00fd \u00fa\u010det \u017divnostn\u00edk, Klasik zah\u0155\u0148aj\u00faci z\u00e1kladn\u00e9 slu\u017eby potrebn\u00e9 na podnikanie alebo Maxi s kompletn\u00fdm bal\u00ed\u010dkom slu\u017eieb. Pre \u017divnostn\u00edkov pon\u00faka vedenie \u00fa\u010dtu \u00faplne zadarmo av bal\u00ed\u010dku je okrem debetnej karty aj 50 transakci\u00ed zadarmo. Men\u0161\u00edm firm\u00e1m odpor\u00fa\u010da banka \u00fa\u010det Klasik, ktor\u00fd je pre novo vzniknut\u00e9 subjekty zadarmo na dva roky, a okrem debetnej karty a 50 platieb v cene pon\u00faka aj vkladov\u00fa kartu zadarmo. Pre v\u00e4\u010d\u0161ie firmy je vhodn\u00fd \u00fa\u010det Maxi, kde je v bal\u00ed\u010dku 400 platieb zadarmo, 2 vkladov\u00e9 a debetn\u00e9 karty, ale aj sporiaci a cudzomenov\u00fd \u00fa\u010det.<\/p>\n\n\n\n
Vedenie \u010cSOB Podnikate\u013esk\u00e9ho konta je zadarmo, a to bez ak\u00fdchko\u013evek podmienok. Zadarmo je tie\u017e neobmedzen\u00fd po\u010det tuzemsk\u00fdch platieb a v\u00fdbery z bankomatov \u010cSOB. K \u00fa\u010dtu navy\u0161e dostanete bezkontaktn\u00fa platobn\u00fa kartu zadarmo.<\/p>\n\n\n\n
Podobne be\u017en\u00fd \u00fa\u010det pre podnikate\u013eov od Equa b\u00e1nk je tie\u017e zadarmo bez podmienok a zadarmo s\u00fa v\u0161etky prich\u00e1dzaj\u00face a odch\u00e1dzaj\u00face tuzemsk\u00e9 platby, bezkontaktn\u00e1 platobn\u00e1 karta, v\u00fdbery zo v\u0161etk\u00fdch bankomatov doma aj vo svete, internetov\u00e9 bankovn\u00edctvo alebo mo\u017enos\u0165 \u013eubovo\u013ene meni\u0165 disponentov k \u00fa\u010dtu.<\/p>\n\n\n\n
Expobank pon\u00faka IQ Profesn\u00e9 konto v podobe bal\u00ed\u010dka komplexn\u00fdch bankov\u00fdch slu\u017eieb spojen\u00fdch s be\u017en\u00fdm \u00fa\u010dtom pre profesie slobodn\u00fdch povolan\u00ed, ako s\u00fa lek\u00e1ri, not\u00e1ri, advok\u00e1ti a \u010fal\u0161\u00ed. Pre podnikate\u013eov je ur\u010den\u00fd be\u017en\u00fd \u00fa\u010det, ktor\u00e9ho vedenie stoj\u00ed 200 kor\u00fan.<\/p>\n\n\n\n
Podnikate\u013esk\u00e9 \u00fa\u010dty od Fio banky si m\u00f4\u017ee zalo\u017ei\u0165 fyzick\u00e1 osoba \u2013 podnikate\u013e, pr\u00e1vnick\u00e1 osoba alebo in\u00fd subjekt zadarmo bez ak\u00fdchko\u013evek podmienok. Nevy\u017eaduj\u00fa \u017eiadne minim\u00e1lne obraty, platby kartou alebo invest\u00edcie, aby bolo vedenie \u00fa\u010dtu zadarmo, a nemaj\u00fa ani \u017eiadne bal\u00ed\u010dky alebo delenie klientov. V\u0161etci maj\u00fa rovnak\u00e9 podmienky a podnikate\u013esk\u00fd \u00fa\u010det sa riadi rovnak\u00fdm cenn\u00edkom ako be\u017en\u00fd \u00fa\u010det. Tak\u017ee podnikatelia u n\u00e1s maj\u00fa zadarmo neobmedzen\u00fd po\u010det tuzemsk\u00fdch platieb v CZK, europlatieb v EUR, trval\u00e9 pr\u00edkazy, inkas\u00e1. M\u00f4\u017eu si tie\u017e pri zakladan\u00ed zvoli\u0165 vlastn\u00e9 \u010d\u00edslo \u00fa\u010dtu alebo d\u00e1va\u0165 disponentsk\u00e9 pr\u00e1va k \u00fa\u010dtu \u010fal\u0161\u00edm kolegom, konate\u013eom \u010di \u00fa\u010dtovn\u00edkom, dod\u00e1va Jakub He\u0159m\u00e1nek.<\/p>\n\n\n\n
Komer\u010dn\u00ed banka pon\u00faka Profi \u00fa\u010det, Profi \u00fa\u010det pre za\u010d\u00ednaj\u00facich podnikate\u013eov a Profi \u00fa\u010det Gold.<\/p>\n\n\n\n
mBank m\u00e1 v ponuke podnikate\u013esk\u00fd \u00fa\u010det mKonto Business. Zalo\u017eenie a vedenie tohto typu \u00fa\u010dtu je zadarmo, rovnako ako v\u0161etky \u0161tandardn\u00e9 prich\u00e1dzaj\u00face a odch\u00e1dzaj\u00face platby a v\u00fdbery z bankomatov (v pr\u00edpade v\u00fdberu nad 1500 Sk). Zadarmo s\u00fa pre \u017eivnostn\u00edkov aj okam\u017eit\u00e9 prevody medzi \u00fa\u010dtami v r\u00e1mci mBank, rovnako ako SEPA platby v EUR. Neoddelite\u013enou s\u00fa\u010das\u0165ou tohto \u00fa\u010dtu je aj platobn\u00e1 karta, ktor\u00fa klientom vyd\u00e1vame aj zadarmo, vymenov\u00e1va Krist\u00fdna Dolej\u0161ov\u00e1, tla\u010dov\u00e1 hovorky\u0148a mBank.<\/p>\n\n\n\n
V Oberbank be\u017en\u00fd firemn\u00fd \u00fa\u010det pon\u00faka bankov\u00e9 obchody a oper\u00e1cie spojen\u00e9 s \u00fa\u010dtom v jednoduchej, preh\u013eadnej a najv\u00fdhodnej\u0161ej podobe. Zad\u00e1vanie pr\u00edkazov a inform\u00e1cie o \u00fa\u010dte z\u00edskavate prostredn\u00edctvom slu\u017eby eBanking, MultiCash.<\/p>\n\n\n\n
Trinity Bank umo\u017e\u0148uje dojedna\u0165 si u nich be\u017en\u00fd \u00fa\u010det v CZK, ktor\u00fd pon\u00faka v\u0161etky \u0161tandardn\u00e9 slu\u017eby platobn\u00e9ho styku, ako s\u00fa jednorazov\u00e9 a trval\u00e9 platobn\u00e9 pr\u00edkazy, inkas\u00e1, v\u00fdbery a vklady hotovosti.<\/p>\n\n\n\n
Ako opisuje Tereza Kaiser\u0161otov\u00e1, hovorky\u0148a Raiffeisenbank, pon\u00faka \u00fa\u010det bez mesa\u010dn\u00e9ho poplatku a z\u00e1rove\u0148 za 49 K\u010d \/ mesiac m\u00f4\u017ee klient s AKT\u00cdVNYM \u00fa\u010dtom z\u00edska\u0165 tzv. multimenu, teda a\u017e 19 mien pod jedn\u00fdm \u010d\u00edslom \u00fa\u010dtu, \u010do je ve\u013emi zauj\u00edmav\u00e1 slu\u017eba pre podnikate\u013eov a firmy, ktor\u00e9 obchoduj\u00fa so zahrani\u010d\u00edm. Navy\u0161e dva z troch nimi pon\u00fakan\u00fdch tar\u00edf s\u00fa zhodn\u00e9 s cenov\u00fdmi programami pre s\u00fakromn\u00e9 \u200b\u200bosoby, tak\u017ee klient nemus\u00ed rozli\u0161ova\u0165, \u010di pre podnikanie vyu\u017eije s\u00fakromn\u00fd alebo podnikate\u013esk\u00fd \u00fa\u010det. Jednoducho si zalo\u017eia oba a oddelia si tak svoje s\u00fakromn\u00e9 \u200b\u200bfinancie od t\u00fdch podnikate\u013esk\u00fdch. \u010eal\u0161ou v\u00fdhodou je mo\u017enos\u0165 premeni\u0165 svoj chytr\u00fd telef\u00f3n na platobn\u00fd termin\u00e1l a bez zbyto\u010dn\u00fdch n\u00e1kladov prij\u00edma\u0165 platby kartou, dop\u013a\u0148a.<\/p>\n\n\n\n
V UniCredit Bank pri v\u0161etk\u00fdch troch podnikate\u013esk\u00fdch \u00fa\u010dtoch plat\u00ed, \u017ee v\u00fdbery z bankomatov UniCredit s\u00fa doma aj v zahrani\u010d\u00ed zadarmo. Ku ka\u017ed\u00e9mu \u00fa\u010dtu patr\u00ed platobn\u00e1 karta VISA, be\u017en\u00fd \u00fa\u010det v korun\u00e1ch, internetov\u00e9 bankovn\u00edctvo Business Net Profesion\u00e1l a mobiln\u00e9 bankovn\u00edctvo Smart Banking. \u00da\u010dty OPEN aj TOP s\u00fa vhodn\u00e9 aj pre mal\u00fdch podnikate\u013eov. A okrem be\u017en\u00e9ho \u00fa\u010dtu v korun\u00e1ch tie\u017e pon\u00faka be\u017en\u00fd \u00fa\u010det v eur\u00e1ch a pr\u00edp. v \u010fal\u0161ej mene (pri \u00fa\u010dte TOP) a jednu platobn\u00fa kartu VISA navy\u0161e, dod\u00e1va Petr Plocek, tla\u010dov\u00fd hovorca z UniCredit Bank.<\/p>\n\n\n\n
Je mo\u017en\u00e9 podnikate\u013esk\u00fd \u00fa\u010det zalo\u017ei\u0165 online?
mBank poskytuje slu\u017eby iba fyzick\u00fdm osob\u00e1m a podnikaj\u00facim fyzick\u00fdm osob\u00e1m (\u017eivnostn\u00edk). \u017divnostn\u00edci m\u00f4\u017eu o \u00fa\u010det po\u017eiada\u0165 online a pre samotn\u00fd podpis zmluvy si m\u00f4\u017eu vybra\u0165 bu\u010f kuri\u00e9ra, alebo pobo\u010dku. V pr\u00edpade, \u017ee u\u017e t\u00e1to fyzick\u00e1 osoba podnikate\u013e m\u00e1 v mBank otvoren\u00fd be\u017en\u00fd \u00fa\u010det mKonto, m\u00f4\u017ee o podnikate\u013esk\u00fd \u00fa\u010det po\u017eiada\u0165 vo svojom internetovom bankovn\u00edctve, ktor\u00e9 m\u00e1 k mKontu. Podpis zmluvy m\u00f4\u017ee urobi\u0165 pomocou SMS k\u00f3du, ktor\u00fd potom dostane, opisuje Krist\u00edna Dolej\u0161ov\u00e1.<\/p>\n\n\n\n
Podobne v s\u00fa\u010dasnej dobe pon\u00faka \u010cesk\u00e1 sporite\u013e\u0148a online dojednanie \u00fa\u010dtu pre \u017eivnostn\u00edkov a z\u00e1ujmom o t\u00fato mo\u017enos\u0165 s\u00fa pr\u00edjemne prekvapen\u00ed. \u010casto je vyu\u017e\u00edvan\u00e1 existuj\u00facimi, retailov\u00fdmi klientmi \u010cS, ktor\u00ed sa rozhodli novo pusti\u0165 do podnikania, alebo si chc\u00fa oddeli\u0165 svoje s\u00fakromn\u00e9 \u200b\u200ba podnikate\u013esk\u00e9 financie pri s\u00fa\u010dasnom podnikan\u00ed. Z\u00e1ujem je ale aj nov\u00fdch klientov. V pr\u00edprav\u00e1ch m\u00e1me proces aj pre pr\u00e1vnick\u00e9 osoby, popisuje Franti\u0161ek Bouc s t\u00fdm, \u017ee na otvorenie \u00fa\u010dtu vyu\u017e\u00edvaj\u00fa na overenie identity BankID a preto je proces oproti in\u00fdm bank\u00e1m naozaj r\u00fdchly, bez potreby foti\u0165 osobn\u00e9 doklady a t\u00fdm p\u00e1dom pre nov\u00e9ho klienta aj ve\u013emi komfortn\u00fd.<\/p>\n\n\n\n
Podnikate\u013esk\u00fd \u00fa\u010det od \u010cSOB je mo\u017en\u00e9 dojedna\u0165 online s t\u00fdm, \u017ee si podnikate\u013e m\u00f4\u017ee vybra\u0165, \u010di zmluvu podp\u00ed\u0161e s kuri\u00e9rom alebo kompletne online. V druhom pr\u00edpade s\u00fa potrebn\u00e9 dva doklady toto\u017enosti, \u00fa\u010det v akejko\u013evek banke a chytr\u00fd telef\u00f3n.<\/p>\n\n\n\n
V Equa bank\u00e1ch je na otvorenie podnikate\u013esk\u00e9ho \u00fa\u010dtu online potrebn\u00fdch pribli\u017ene 10 min\u00fat \u010dasu, platn\u00fd ob\u010diansky preukaz, doklad opr\u00e1v\u0148uj\u00faci na podnikanie, mobiln\u00fd telef\u00f3n a e-mailov\u00e1 adresa.<\/p>\n\n\n\n
Podnikatelia z radov SZ\u010cO si m\u00f4\u017eu zalo\u017ei\u0165 podnikate\u013esk\u00fd \u00fa\u010det v Fio banke odkia\u013eko\u013evek, kde maj\u00fa pripojenie k internetu, a ako prezradil Jakub Harman\u010dek, pre pr\u00e1vnick\u00e9 osoby typu s.r.o. t\u00fato mo\u017enos\u0165 chystaj\u00fa na bud\u00faci rok. Vo ve\u013ekej miere prevl\u00e1da zalo\u017eenie \u00fa\u010dtu v pobo\u010dke banky, ale sledujeme vzrastaj\u00faci trend v zalo\u017een\u00ed online. Ver\u00edme, \u017ee digit\u00e1lne rie\u0161enia u\u013eah\u010duj\u00face \u017eivot na\u0161im klientom predstavuj\u00fa bud\u00facnos\u0165, a preto do nich priebe\u017ene investujeme, spom\u00edna \u010falej.<\/p>\n\n\n\n
Komer\u010dn\u00ed banka na svojom webe uv\u00e1dza zalo\u017eenie \u00fa\u010dtu prostredn\u00edctvom telefonick\u00e9ho hovoru alebo n\u00e1v\u0161tevy pobo\u010dky.<\/p>\n\n\n\n
V UniCredit Bank v s\u00fa\u010dasnej dobe vyu\u017e\u00edvaj\u00fa na zakladanie podnikate\u013esk\u00fdch \u00fa\u010dtov ich pobo\u010dkov\u00fa sie\u0165 a tie\u017e v Banke Creditas je potrebn\u00e9 zalo\u017ei\u0165 \u00fa\u010det na pobo\u010dke.<\/p>\n","protected":false},"excerpt":{"rendered":"
Prin\u00e1\u0161ame inform\u00e1cie o novink\u00e1ch t\u00fdkaj\u00facich sa podnikate\u013esk\u00fdch \u00fa\u010dtov, ich ponuku, v\u00fdhody aj preh\u013ead z\u00e1kladn\u00fdch poplatkov vr\u00e1tane t\u00fdch za v\u00fdber z bankomatu.Advertisement Na zalo\u017eenie podnikate\u013esk\u00e9ho \u00fa\u010dtu, ktor\u00fd je obdobou be\u017en\u00e9ho \u00fa\u010dtu, sta\u010d\u00ed doklad toto\u017enosti a v\u00fdpis zo \u017eivnostensk\u00e9ho registra. U niektor\u00fdch b\u00e1nk je mo\u017en\u00e9 si ho zalo\u017ei\u0165 aj online. Pri v\u00fdbere podnikate\u013esk\u00e9ho \u00fa\u010dtu hraj\u00fa \u00falohu poplatky, […]<\/p>\n","protected":false},"author":2,"featured_media":994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-996","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=\/wp\/v2\/posts\/996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=996"}],"version-history":[{"count":0,"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=\/wp\/v2\/posts\/996\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=\/wp\/v2\/media\/994"}],"wp:attachment":[{"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomickespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}