[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kcms.cz\/prechod-k-jine-bance\/#Article","mainEntityOfPage":"https:\/\/www.kcms.cz\/prechod-k-jine-bance\/","headline":"P\u0159echod k jin\u00e9 bance","name":"P\u0159echod k jin\u00e9 bance","description":"Jestli jste n\u011bkdy p\u0159em\u00fd\u0161leli o zm\u011bn\u011b banky, jsou pro v\u00e1s n\u00e1sleduj\u00edc\u00ed informace d\u016fle\u017eit\u00e9 a d\u00edky jednoduchosti va\u0161e rozhodnut\u00ed jen urychl\u00ed. […]","datePublished":"2019-12-03","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kcms.cz\/author\/#Person","name":"","url":"https:\/\/www.kcms.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kcms.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kcms.cz\/wp-content\/uploads\/img_a364598_w4183_t1577290629.jpg","url":"https:\/\/www.kcms.cz\/wp-content\/uploads\/img_a364598_w4183_t1577290629.jpg","height":0,"width":0},"url":"https:\/\/www.kcms.cz\/prechod-k-jine-bance\/","about":["Finance"],"wordCount":411,"articleBody":"Jestli jste n\u011bkdy p\u0159em\u00fd\u0161leli o zm\u011bn\u011b banky, jsou pro v\u00e1s n\u00e1sleduj\u00edc\u00ed informace d\u016fle\u017eit\u00e9 a d\u00edky jednoduchosti va\u0161e rozhodnut\u00ed jen urychl\u00ed. Pro n\u011bkoho je d\u016fle\u017eit\u00e9 veden\u00ed \u00fa\u010dtu zdarma, pro jin\u00e9ho s\u00ed\u0165 pobo\u010dek, po\u010det a dostupnost bankomat\u016f nebo t\u0159eba internetov\u00e9 bankovnictv\u00ed. V\u00fdznamn\u00e9 rozd\u00edly b\u00fdvaj\u00ed i v\u00a0nab\u00eddce a cen\u00e1ch dal\u0161\u00edch produkt\u016f, nap\u0159. \u00fav\u011br\u016f nebo plateb do zahrani\u010d\u00ed. Naprost\u00e1 v\u011bt\u0161ina bank nab\u00edz\u00ed p\u0159i zm\u011bn\u011b bankovn\u00edho \u00fa\u010dtu velmi jednoduch\u00e9 a rychl\u00e9 vy\u0159\u00edzen\u00ed formalit, zvl\u00e1\u0161t\u011b d\u00edky vyu\u017eit\u00ed Kodexu mobility.\tKodex mobility\tJedn\u00e1 se v\u00a0podstat\u011b o formul\u00e1\u0159, pomoc\u00ed kter\u00e9ho m\u016f\u017ee klient zm\u011bnit banku v\u00a0pr\u016fb\u011bhu n\u011bkolika pracovn\u00edch dn\u016f, v\u010detn\u011b z\u016fstatku na \u00fa\u010dtu, v\u0161ech trval\u00fdch p\u0159\u00edkaz\u016f k \u00fahrad\u011b a p\u0159\u00edkaz\u016f k\u00a0inkasu. T\u00edmto formul\u00e1\u0159em klient zmocn\u00ed novou banku, aby za n\u011bj v\u00a0p\u016fvodn\u00ed bance vy\u0159\u00eddila v\u0161echny n\u00e1le\u017eitosti a formality.\tP\u016fvodn\u00ed banka nesm\u00ed klientovi odchod nijak komplikovat, nesm\u00ed za odchod \u00fa\u010dtovat \u017e\u00e1dn\u00e9 poplatky ani stanovovat n\u011bjak\u00e9 dal\u0161\u00ed podm\u00ednky. Podle z\u00e1kona o platebn\u00edm styku je mo\u017en\u00e9 stanovit poplatek za zru\u0161en\u00ed \u00fa\u010dtu pouze v\u00a0p\u0159\u00edpad\u011b, \u017ee \u00fa\u010det byl veden dobu krat\u0161\u00ed ne\u017e jeden rok.\tOdstoupit od smlouvy a vypov\u011bd\u011bt \u00fa\u010det m\u016f\u017ee klient bezplatn\u011b do dvou m\u011bs\u00edc\u016f po bankou ozn\u00e1men\u00e9m zv\u00fd\u0161en\u00ed cen. Tady neplat\u00ed ani mo\u017enost \u00fa\u010dtovat poplatek za dobu trv\u00e1n\u00ed \u00fa\u010dtu krat\u0161\u00ed ne\u017e 1 rok, zru\u0161en\u00ed je tedy v\u017edy bezplatn\u00e9.\t\tJak postupovat\tD\u00edky kodexu mobility sta\u010d\u00ed p\u0159ij\u00edt do nov\u00e9 banky a podepsat formul\u00e1\u0159. Zjednodu\u0161en\u011b \u0159e\u010deno, sta\u010d\u00ed p\u00e1r minut jedn\u00e1n\u00ed v\u00a0nov\u00e9 bance s\u00a0ob\u010dansk\u00fdm pr\u016fkazem. Probl\u00e9mem m\u016f\u017ee b\u00fdt hypot\u00e9ka, veden\u00e1 u p\u016fvodn\u00ed banky. N\u011bkter\u00e9 banky toti\u017e maj\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00farok u hypot\u00e9ky podm\u00edn\u011bn veden\u00edm b\u011b\u017en\u00e9ho \u00fa\u010dtu. Hypot\u00e9ku lze samoz\u0159ejm\u011b tak\u00e9 p\u0159ev\u00e9st k\u00a0jin\u00e9 bance, ov\u0161em je-li to jindy ne\u017e na konci fixa\u010dn\u00edho obdob\u00ed, b\u00fdv\u00e1 poplatek vysok\u00fd.\t\u010c\u00edslo \u00fa\u010dtu m\u016f\u017ee z\u016fstat zachov\u00e1no, to co se ur\u010dit\u011b zm\u011bn\u00ed, je minim\u00e1ln\u011b jeho \u010d\u00e1st za lom\u00edtkem, co\u017e je k\u00f3d banky. Ten m\u00e1 ka\u017ed\u00e1 banka pochopiteln\u011b sv\u016fj. \u00a0                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159echod k jin\u00e9 bance","item":"https:\/\/www.kcms.cz\/prechod-k-jine-bance\/#breadcrumbitem"}]}]