{"id":225076,"date":"2017-03-13T14:37:28","date_gmt":"2017-03-13T13:37:28","guid":{"rendered":"http:\/\/hudo.com\/si\/?p=225076"},"modified":"2017-03-13T14:37:28","modified_gmt":"2017-03-13T13:37:28","slug":"banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto","status":"publish","type":"post","link":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/","title":{"rendered":"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto"},"content":{"rendered":"<div id=\"center\">\n<article class=\"articleui\">\n<div class=\"text\">\n<p>Za obe vrsti komitentov je znova najcenej\u0161a Delavska hranilnica. Najdra\u017eja za tradicionalnega komitenta je Sberbank, za e-komitenta pa Banka Intesa Sanpaolo oz. Nova KBM, ka\u017ee najnovej\u0161a analiza Banke Slovenija o nadomestilih bank in hranilnic za pla\u010dilne storitve in izra\u010dun stro\u0161kov ko\u0161aric teh storitev.<\/p>\n<p>Letni stro\u0161ki ko\u0161arice storitev banke, izmerjen po metodologijah Banke Slovenije (BS) in Zveze potro\u0161nikov Slovenije (ZPS), namre\u010d v Delavski hranilnici za tradicionalnega komitenta zna\u0161a 28,20 evra (BS) oz. 38,04 evra (ZPS), za e-komitenta pa 24,60 evra (BS) oz. 30,84 evra (ZPS).<\/p>\n<p>Medtem je ta stro\u0161ek za tradicionalnega komitenta v Sberbank dosegel 149,91 evra (BS) oz. 262,20 evra (ZPS). Za e-komitenta je letni stro\u0161ek v Banki Intesa Sanpaolo dosegel 53,67 evra (BS), v Novi KBM pa 86,16 evra (ZPS), med drugim izhaja iz analize, objavljene na spletni strani centralne banke.<\/p>\n<p>V segmentu pravnih oseb so razlike zaradi bistveno ve\u010djega \u0161tevila transakcij in vi\u0161jih nadomestil \u0161e ve\u010dje. Tako lahko pravna oseba kot tradicionalni komitent z zamenjavo ponudnika pla\u010dilnih storitev prihrani do 750,05 evra letno, kot e-komitent pa do 309,78 evra letno, kar je nekoliko manj kot predlani.<\/p>\n<p>Pravni osebi kot tradicionalnemu komitentu po metodologiji BS najcenej\u0161e storitve ponovno ponuja Primorska hranilnica Vipava, katere letni stro\u0161ek ko\u0161arice zna\u0161a 343,20 evra, najdra\u017eje Banka Sparkasse s 1093,25 evra. Za e-komitenta pa je najcenej\u0161a Delavska hranilnica (179,30 evra), najdra\u017eja Sberbank (489,08 evra).<\/p>\n<p>V lansko analizo je bilo vklju\u010denih 15 bank in tri hranilnice. Od skupno 21 analiziranih segmentov pla\u010dilnih storitev so se povpre\u010dna nadomestila konec leta 2016 v primerjavi s koncem leta 2015 zvi\u0161ala v \u0161estih segmentih, zni\u017eala v petih in v desetih ostala nespremenjena.<\/p>\n<p>Najve\u010dje pove\u010danje povpre\u010dnega nadomestila, za 28 odstotkov, je bilo pri dvigih gotovine z debetno kartico na bankomatu drugega ponudnika, kar je posledica uvedbe nadomestila s strani dveh ponudnikov pla\u010dilnih storitev, ki sta to prej ponujala brezpla\u010dno, in dviga nadomestila s strani enega ponudnika.<\/p>\n<p>Najve\u010dje zni\u017eanje povpre\u010dnega nadomestila, za 5,88 odstotka, pa je bilo v segmentu pla\u010dil z direktno obremenitvijo pravnih oseb v vlogi pla\u010dnika.<\/p>\n<p>Centralna banka na vi\u0161ino ban\u010dnih nadomestil ne more in ne sme neposredno vplivati, zato vsako leto pripravi tovrstno analizo z namenom, da lahko vsak primerja podatke o zara\u010dunavanju posameznih storitev na bankah ter glede na svoje navade oz. potrebe izlu\u0161\u010di, kateri ponudnik je zanj najcenej\u0161i. S tem in z objavo veljavnih nadomestil na spletni strani pa izvaja tudi dolo\u010den pritisk na ponudnike pla\u010dilnih storitev.<\/p>\n<\/div>\n<\/article>\n<\/div>\n<div id=\"sidebar\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Posameznik, ki prete\u017eno uporablja tradicionalne ban\u010dne storitve, z zamenjavo ponudnika lahko prihrani 122 do 224 evrov na leto. Pri tistemu, ki uporablja e-ban\u010dni\u0161tvo, se letni prihranek ob zamenjavi lahko giblje med 29 in 55 evri, ka\u017ee analiza centralne banke za lani. To je \u0161e nekoliko ve\u010d, kot je pokazala predlanska analiza.<\/p>\n","protected":false},"author":7,"featured_media":225077,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1179],"tags":[5912,2391,1595],"source":[4511],"supertag":[7541],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto - Hudo Slovenija<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto - Hudo Slovenija\" \/>\n<meta property=\"og:description\" content=\"Posameznik, ki prete\u017eno uporablja tradicionalne ban\u010dne storitve, z zamenjavo ponudnika lahko prihrani 122 do 224 evrov na leto. Pri tistemu, ki uporablja e-ban\u010dni\u0161tvo, se letni prihranek ob zamenjavi lahko giblje med 29 in 55 evri, ka\u017ee analiza centralne banke za lani. To je \u0161e nekoliko ve\u010d, kot je pokazala predlanska analiza.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/\" \/>\n<meta property=\"og:site_name\" content=\"Hudo Slovenija\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hudo.si\" \/>\n<meta property=\"article:published_time\" content=\"2017-03-13T13:37:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2017\/03\/profimedia-0309412667.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1250\" \/>\n\t<meta property=\"og:image:height\" content=\"827\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"A. P., STA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@hudo_si\" \/>\n<meta name=\"twitter:site\" content=\"@hudo_si\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"A. P., STA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/\"},\"author\":{\"name\":\"A. P., STA\",\"@id\":\"https:\/\/hudo.com\/si\/#\/schema\/person\/18f09c02475ba9e606e941a565b80cff\"},\"headline\":\"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto\",\"datePublished\":\"2017-03-13T13:37:28+00:00\",\"dateModified\":\"2017-03-13T13:37:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/\"},\"wordCount\":427,\"publisher\":{\"@id\":\"https:\/\/hudo.com\/si\/#organization\"},\"keywords\":[\"banka slovenije\",\"gospodarstvo\",\"Slovenija\"],\"articleSection\":[\"Aktualno\"],\"inLanguage\":\"sl-SI\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/\",\"url\":\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/\",\"name\":\"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto - Hudo Slovenija\",\"isPartOf\":{\"@id\":\"https:\/\/hudo.com\/si\/#website\"},\"datePublished\":\"2017-03-13T13:37:28+00:00\",\"dateModified\":\"2017-03-13T13:37:28+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/#breadcrumb\"},\"inLanguage\":\"sl-SI\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/hudo.com\/si\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/hudo.com\/si\/#website\",\"url\":\"https:\/\/hudo.com\/si\/\",\"name\":\"Hudo Slovenija\",\"description\":\"Vse novice iz Slovenije in sveta\",\"publisher\":{\"@id\":\"https:\/\/hudo.com\/si\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/hudo.com\/si\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sl-SI\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/hudo.com\/si\/#organization\",\"name\":\"VSN Media\",\"url\":\"https:\/\/hudo.com\/si\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sl-SI\",\"@id\":\"https:\/\/hudo.com\/si\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2021\/03\/hudo-app-2.png\",\"contentUrl\":\"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2021\/03\/hudo-app-2.png\",\"width\":2185,\"height\":2167,\"caption\":\"VSN Media\"},\"image\":{\"@id\":\"https:\/\/hudo.com\/si\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/hudo.si\",\"https:\/\/twitter.com\/hudo_si\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/hudo.com\/si\/#\/schema\/person\/18f09c02475ba9e606e941a565b80cff\",\"name\":\"A. P., STA\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sl-SI\",\"@id\":\"https:\/\/hudo.com\/si\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03eac8e609f5f04383125d80eaeaaf3e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03eac8e609f5f04383125d80eaeaaf3e?s=96&d=mm&r=g\",\"caption\":\"A. P., STA\"},\"url\":\"https:\/\/hudo.com\/si\/author\/lubu\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto - Hudo Slovenija","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/","og_locale":"sl_SI","og_type":"article","og_title":"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto - Hudo Slovenija","og_description":"Posameznik, ki prete\u017eno uporablja tradicionalne ban\u010dne storitve, z zamenjavo ponudnika lahko prihrani 122 do 224 evrov na leto. Pri tistemu, ki uporablja e-ban\u010dni\u0161tvo, se letni prihranek ob zamenjavi lahko giblje med 29 in 55 evri, ka\u017ee analiza centralne banke za lani. To je \u0161e nekoliko ve\u010d, kot je pokazala predlanska analiza.","og_url":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/","og_site_name":"Hudo Slovenija","article_publisher":"https:\/\/www.facebook.com\/hudo.si","article_published_time":"2017-03-13T13:37:28+00:00","og_image":[{"width":1250,"height":827,"url":"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2017\/03\/profimedia-0309412667.jpg","type":"image\/jpeg"}],"author":"A. P., STA","twitter_card":"summary_large_image","twitter_creator":"@hudo_si","twitter_site":"@hudo_si","twitter_misc":{"Written by":"A. P., STA","Est. reading time":"2 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/#article","isPartOf":{"@id":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/"},"author":{"name":"A. P., STA","@id":"https:\/\/hudo.com\/si\/#\/schema\/person\/18f09c02475ba9e606e941a565b80cff"},"headline":"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto","datePublished":"2017-03-13T13:37:28+00:00","dateModified":"2017-03-13T13:37:28+00:00","mainEntityOfPage":{"@id":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/"},"wordCount":427,"publisher":{"@id":"https:\/\/hudo.com\/si\/#organization"},"keywords":["banka slovenije","gospodarstvo","Slovenija"],"articleSection":["Aktualno"],"inLanguage":"sl-SI"},{"@type":"WebPage","@id":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/","url":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/","name":"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto - Hudo Slovenija","isPartOf":{"@id":"https:\/\/hudo.com\/si\/#website"},"datePublished":"2017-03-13T13:37:28+00:00","dateModified":"2017-03-13T13:37:28+00:00","breadcrumb":{"@id":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/#breadcrumb"},"inLanguage":"sl-SI","potentialAction":[{"@type":"ReadAction","target":["https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-z-zamenjavo-banke-224-evrov-prihranka-na-leto\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/hudo.com\/si\/"},{"@type":"ListItem","position":2,"name":"Banka Slovenije: Z zamenjavo banke do 224 evrov prihranka na leto"}]},{"@type":"WebSite","@id":"https:\/\/hudo.com\/si\/#website","url":"https:\/\/hudo.com\/si\/","name":"Hudo Slovenija","description":"Vse novice iz Slovenije in sveta","publisher":{"@id":"https:\/\/hudo.com\/si\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/hudo.com\/si\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sl-SI"},{"@type":"Organization","@id":"https:\/\/hudo.com\/si\/#organization","name":"VSN Media","url":"https:\/\/hudo.com\/si\/","logo":{"@type":"ImageObject","inLanguage":"sl-SI","@id":"https:\/\/hudo.com\/si\/#\/schema\/logo\/image\/","url":"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2021\/03\/hudo-app-2.png","contentUrl":"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2021\/03\/hudo-app-2.png","width":2185,"height":2167,"caption":"VSN Media"},"image":{"@id":"https:\/\/hudo.com\/si\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/hudo.si","https:\/\/twitter.com\/hudo_si"]},{"@type":"Person","@id":"https:\/\/hudo.com\/si\/#\/schema\/person\/18f09c02475ba9e606e941a565b80cff","name":"A. P., STA","image":{"@type":"ImageObject","inLanguage":"sl-SI","@id":"https:\/\/hudo.com\/si\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03eac8e609f5f04383125d80eaeaaf3e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03eac8e609f5f04383125d80eaeaaf3e?s=96&d=mm&r=g","caption":"A. P., STA"},"url":"https:\/\/hudo.com\/si\/author\/lubu\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/posts\/225076"}],"collection":[{"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/comments?post=225076"}],"version-history":[{"count":1,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/posts\/225076\/revisions"}],"predecessor-version":[{"id":225079,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/posts\/225076\/revisions\/225079"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/media\/225077"}],"wp:attachment":[{"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/media?parent=225076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/categories?post=225076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/tags?post=225076"},{"taxonomy":"source","embeddable":true,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/source?post=225076"},{"taxonomy":"supertag","embeddable":true,"href":"https:\/\/hudo.com\/si\/wp-json\/wp\/v2\/supertag?post=225076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}