{"id":444001,"date":"2021-09-28T18:24:50","date_gmt":"2021-09-28T15:24:50","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=444001"},"modified":"2025-08-14T21:29:51","modified_gmt":"2025-08-14T18:29:51","slug":"how-to-avoid-fees-for-using-a-bank-account-in-spain","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/news\/how-to-avoid-fees-for-using-a-bank-account-in-spain","title":{"rendered":"Jak se vyhnout poplatk\u016fm za bankovn\u00ed \u00fa\u010det ve \u0160pan\u011blsku"},"content":{"rendered":"<p>T\u00e9m\u011b\u0159 v\u0161echny \u0161pan\u011blsk\u00e9 banky od konce roku 2019 zp\u0159\u00edsnily podm\u00ednky, za kter\u00fdch se za pou\u017e\u00edv\u00e1n\u00ed \u00fa\u010dtu ne\u00fa\u010dtuj\u00ed poplatky, a pro ty klienty, kte\u0159\u00ed nespl\u0148uj\u00ed nov\u00e9 po\u017eadavky, byla v\u00fd\u0161e t\u011bchto poplatk\u016f nav\u00fd\u0161ena. Tento probl\u00e9m z\u016fst\u00e1v\u00e1 aktu\u00e1ln\u00ed dodnes, i kdy\u017e st\u00e1le existuj\u00ed zp\u016fsoby, jak jej vy\u0159e\u0161it. Banky po sv\u00fdch klientech zpravidla po\u017eaduj\u00ed, aby na sv\u016fj \u00fa\u010det ka\u017ed\u00fd m\u011bs\u00edc vkl\u00e1dali ur\u010ditou minim\u00e1ln\u00ed \u010d\u00e1stku (zpravidla mzdu nebo jej\u00ed \u010d\u00e1st), pravideln\u011b \u010dtvrtletn\u011b platili n\u011bkolik \u00fa\u010dt\u016f (faktur) (za energie apod.) a pravideln\u011b platili za n\u00e1kupy kartou. A to zdaleka nejsou v\u0161echny \u201epovinnosti\u201c, kter\u00e9 b\u011bhem pandemie Covid-19, kdy mnoho obyvatel \u0160pan\u011blska z\u016fstalo bez zdroj\u016f p\u0159\u00edjmu, padly jako citeln\u00e1 z\u00e1t\u011b\u017e na bedra b\u011b\u017en\u00fdch ob\u010dan\u016f.<\/p>\n<h2> Bankinter<\/h2>\n<p> M\u011bs\u00ed\u010dn\u00ed vklad na \u00fa\u010det Bankinter mus\u00ed \u010dinit 800 eur (do z\u00e1\u0159\u00ed 2020 tato \u010d\u00e1stka \u010dinila 1 000 eur), \u010dtvrtletn\u011b mus\u00ed b\u00fdt uhrazeny t\u0159i faktury jak\u00e9hokoli druhu a b\u011bhem stejn\u00e9ho obdob\u00ed mus\u00ed b\u00fdt provedeny t\u0159i n\u00e1kupy pomoc\u00ed kreditn\u00ed karty Tarjeta Combo vydan\u00e9 stejnou bankou. Up\u0159\u00edmn\u011b \u0159e\u010deno, pokud nebude spln\u011bna alespo\u0148 jedna podm\u00ednka, bude poplatek za slu\u017ebu pouze 45 eur ro\u010dn\u011b, co\u017e je mo\u017en\u00e1 nejni\u017e\u0161\u00ed ze v\u0161ech bank.<\/p>\n<h2> Bankia a CaixaBank<\/h2>\n<p> Po slou\u010den\u00ed Bankia a CaixaBank plat\u00ed klienti prvn\u00ed 168 eur ro\u010dn\u011b a druh\u00e9 240 eur, pokud si na sv\u016fj \u00fa\u010det nemohou zajistit m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem 600 eur (nebo nemaj\u00ed na spo\u0159ic\u00edch \u00fa\u010dtech 20 tis\u00edc eur); nepla\u0165te t\u0159i faktury a neprov\u00e1d\u011bjte t\u0159i n\u00e1kupy kartou za \u010dtvrtlet\u00ed. Na druhou stranu se CaixaBank rozhodla od placen\u00ed t\u00e9to \u201edan\u011b\u201c po dobu prvn\u00edch \u0161esti m\u011bs\u00edc\u016f osvobodit nov\u00e9 klienty a tak\u00e9 mlad\u00e9 lidi do 26 let.<\/p>\n<h2> Liberbank<\/h2>\n<p> Liberbank tak\u00e9 stanovila minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed vklad ve v\u00fd\u0161i 600 EUR, ale vy\u017eaduje dva m\u011bs\u00ed\u010dn\u00ed n\u00e1kupy kartou a bu\u010f bankovn\u00ed poji\u0161t\u011bn\u00ed, nebo alespo\u0148 6 000 EUR na spo\u0159ic\u00edm \u00fa\u010dtu. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b bude provize \u010dinit 120 eur ro\u010dn\u011b plus 0,6 eura za ka\u017edou transakci provedenou kartou. Pro majitele \u00fa\u010dt\u016f v Unicaja, kter\u00e1 se m\u00e1 p\u0159\u00ed\u0161t\u00ed rok slou\u010dit s Liberbank, je debetn\u00ed karta zdarma pouze prvn\u00ed rok, pot\u00e9 je \u00fa\u010dtov\u00e1n ro\u010dn\u00ed poplatek 32 eur.<\/p>\n<h2> Sabadell<\/h2>\n<p> Sabadell Bank z\u016fst\u00e1v\u00e1 jedinou bankou v zemi, kter\u00e1 si \u00fa\u010dtuje provizi ve v\u00fd\u0161i 60 eur ro\u010dn\u011b, i kdy\u017e je spln\u011bna hlavn\u00ed podm\u00ednka: na \u00fa\u010det Cuenta Expansi\u00f3n je ka\u017ed\u00fd m\u011bs\u00edc vlo\u017eeno 700 eur. P\u0159i nedodr\u017een\u00ed tohoto pravidla je klient p\u0159eveden na jin\u00fd \u00fa\u010det, jeho\u017e veden\u00ed ka\u017ed\u00e9 \u010dtvrtlet\u00ed stoj\u00ed 40 eur, nemluv\u011b o odepisu 0,6 eura za ka\u017edou transakci provedenou kartou. Abyste se vyhnuli provizi, mus\u00edte si u banky zakoupit poji\u0161t\u011bn\u00ed.<\/p>\n<h2> Banco Santander<\/h2>\n<p> Banco Santander v lo\u0148sk\u00e9m roce tak\u00e9 v\u00fdrazn\u011b zp\u0159\u00edsnila podm\u00ednky: na \u00fa\u010det mus\u00ed b\u00fdt p\u0159ips\u00e1na mzda nebo penze, \u0161est n\u00e1kup\u016f za \u010dtvrtlet\u00ed pomoc\u00ed debetn\u00ed nebo kreditn\u00ed karty (p\u0159\u00edpadn\u011b t\u0159i faktury) a p\u0159edplacen\u00fd n\u011bkter\u00fd z bankovn\u00edch produkt\u016f (poji\u0161t\u011bn\u00ed, investi\u010dn\u00ed fond, p\u016fj\u010dka, hypot\u00e9ka). P\u0159i spln\u011bn\u00ed dvou ze t\u0159\u00ed po\u017eadavk\u016f bude ro\u010dn\u00ed poplatek \u010dinit 120 eur, p\u0159i spln\u011bn\u00ed pouze jednoho bude ro\u010dn\u00ed poplatek 240 eur. Na konci \u010dervence Banco Santander ozn\u00e1mila, \u017ee ru\u0161\u00ed t\u0159et\u00ed po\u017eadavek pro sv\u00e9 klienty, v\u010detn\u011b t\u011bch, kte\u0159\u00ed dr\u017e\u00ed alespo\u0148 tis\u00edc jej\u00edch akci\u00ed nebo 25 000 eur na spo\u0159ic\u00edm\/penzijn\u00edm \u00fa\u010dtu.<\/p>\n<h2> Abanca a BBVA<\/h2>\n<p> Nejliber\u00e1ln\u011bj\u0161\u00ed ze v\u0161ech \u0161pan\u011blsk\u00fdch bank z hlediska po\u017eadavk\u016f na slu\u017ebu bez provize jsou Abanca a BBVA. Prvn\u00ed zavazuje dr\u017eitele \u00fa\u010dtu Cuenta Clara prov\u00e1d\u011bt transakce online, zat\u00edmco druh\u00fd je zavazuje vkl\u00e1dat\/p\u0159ev\u00e1d\u011bt 800 eur m\u011bs\u00ed\u010dn\u011b na \u00fa\u010det Cuenta Va Contigo.<\/p>\n<h2> ING, Openbank, Imagin, N26<\/h2>\n<p> Nejrealisti\u010dt\u011bj\u0161\u00ed alternativou, jak se vyhnout bankovn\u00edm poplatk\u016fm, jsou tzv. online banky: ING, Openbank, Imagin nebo N26 a tak\u00e9 p\u0159edplacen\u00e1 karta Correos s virtu\u00e1ln\u00edm IBANem za 2 eura m\u011bs\u00ed\u010dn\u011b.<\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00e9m\u011b\u0159 v\u0161echny \u0161pan\u011blsk\u00e9 banky od konce roku 2019 zp\u0159\u00edsnily\u2026<\/p>\n","protected":false},"author":18,"featured_media":444003,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,960],"tags":[],"class_list":["post-444001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-useful-information"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0421\u043f\u043e\u0441\u043e\u0431\u044b \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u0443\u043f\u043b\u0430\u0442\u044b \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0437\u0430 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u043e\u043c \u0432 \u0433\u043b\u0430\u0432\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u0430\u0445 \u0418\u0441\u043f\u0430\u043d\u0438\u0438<\/title>\n<meta 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