{"id":93409,"date":"2019-09-23T11:17:44","date_gmt":"2019-09-23T08:17:44","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=93409"},"modified":"2025-08-14T19:52:36","modified_gmt":"2025-08-14T16:52:36","slug":"directive-online-banking-psd2","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/directive-online-banking-psd2","title":{"rendered":"Nowa dyrektywa &#8211; Dyrektywa o Us\u0142ugach P\u0142atniczych (PSD2)"},"content":{"rendered":"<p>Hiszpa\u0144skie banki od kilku tygodni wysy\u0142aj\u0105 do swoich klient\u00f3w powiadomienia o rych\u0142ym wej\u015bciu w \u017cycie 2 dyrektywy w sprawie us\u0142ug p\u0142atniczych \u2013 dyrektywy w sprawie us\u0142ug p\u0142atniczych (PSD2). Zgodnie z nowymi zasadami, przy korzystaniu z bankowo\u015bci internetowej i dokonywaniu p\u0142atno\u015bci internetowych zostanie wprowadzona podw\u00f3jna identyfikacja u\u017cytkownika. Chocia\u017c dyrektywa wesz\u0142a w \u017cycie 14 wrze\u015bnia 2019 r., Bank Hiszpanii og\u0142osi\u0142, \u017ce okres, w kt\u00f3rym wszystkie banki w kraju musz\u0105 dostosowa\u0107 swoje systemy do nowych wymog\u00f3w, zostanie przed\u0142u\u017cony z 9 do 18 miesi\u0119cy (do marca 2021 r.). . Co czeka u\u017cytkownik\u00f3w wraz z wprowadzeniem nowych regu\u0142?<\/p>\n<h2> Jak uzyskamy dost\u0119p do bankowo\u015bci internetowej? <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-93411\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-1-1024x682.jpg\" alt=\"Wej\u015bcie w \u017cycie nowej dyrektywy UE o us\u0142ugach p\u0142atniczych: co to oznacza dla u\u017cytkownik\u00f3w?\" width=\"1024\" height=\"682\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-1-1024x682.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-1-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-1-768x512.jpg 768w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-1.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> Procedura identyfikacji podczas korzystania z banku internetowego stanie si\u0119 nieco bardziej skomplikowana, aby zapewni\u0107 wy\u017cszy poziom bezpiecze\u0144stwa. Dodany zostanie jeszcze jeden krok: u\u017cytkownik b\u0119dzie musia\u0142 wpisa\u0107 otrzymany SMS-em kod na zarejestrowany numer telefonu lub potwierdzi\u0107 swoj\u0105 to\u017csamo\u015b\u0107 akceptuj\u0105c powiadomienie, kt\u00f3re b\u0119dzie dost\u0119pne poprzez aplikacj\u0119 mobiln\u0105 banku. Wed\u0142ug informacji dostarczonych przez kompetentne \u017ar\u00f3d\u0142a wi\u0119kszo\u015b\u0107 bank\u00f3w wybierze pierwsz\u0105 metod\u0119 \u2013 SMS. Z kolei banki takie jak Cajamar, ING, N26 czy Targobank zdecyduj\u0105 si\u0119 na drug\u0105 metod\u0119 \u2013 poprzez aplikacj\u0119 mobiln\u0105.<\/p>\n<blockquote><p> Szukasz nieruchomo\u015bci w Hiszpanii? Mo\u017cesz odebra\u0107 przedmioty w naszym <a href=\"https:\/\/alegria-realestate.com\/ru\/sale\">katalogu<\/a> .<\/p><\/blockquote>\n<p> Tym samym od teraz dla wszystkich klient\u00f3w bank\u00f3w, kt\u00f3rzy chc\u0105 mie\u0107 dost\u0119p do bankowo\u015bci internetowej, korzystanie ze smartfona stanie si\u0119 warunkiem koniecznym. Na szcz\u0119\u015bcie nie b\u0119dziesz musia\u0142 przechodzi\u0107 tego procesu za ka\u017cdym razem, gdy sprawdzasz saldo konta. Trzeba to zrobi\u0107 tylko przy pierwszym logowaniu, a tak\u017ce je\u015bli nie logowa\u0142e\u015b si\u0119 na swoje konto online przez ponad 90 dni.<\/p>\n<h2> Jak b\u0119d\u0105 dokonywane p\u0142atno\u015bci online? <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-93412\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-2-1024x682.jpg\" alt=\"Wej\u015bcie w \u017cycie nowej dyrektywy UE o us\u0142ugach p\u0142atniczych: co to oznacza dla u\u017cytkownik\u00f3w?\" width=\"1024\" height=\"682\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-2-1024x682.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-2-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-2-768x512.jpg 768w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2019\/09\/directive-online-banking-psd2-2.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> Wraz z wej\u015bciem w \u017cycie nowych przepis\u00f3w, aby dokona\u0107 p\u0142atno\u015bci online za produkt lub us\u0142ug\u0119, konieczne b\u0119dzie przej\u015bcie przez system podw\u00f3jnej identyfikacji. W takim przypadku b\u0119dziesz musia\u0142 wybra\u0107 dwie z trzech mo\u017cliwych opcji: kod PIN lub has\u0142o; telefon kom\u00f3rkowy u\u017cytkownika, na kt\u00f3ry otrzyma kod; identyfikacja odcisk\u00f3w palc\u00f3w lub t\u0119cz\u00f3wki. W przypadku przekroczenia okre\u015blonej kwoty p\u0142atno\u015bci lub liczby transakcji wymagania mog\u0105 ulec zmianie.<\/p>\n<h2> Korzy\u015bci dla klient\u00f3w<\/h2>\n<p> Zwi\u0119kszenie poziomu bezpiecze\u0144stwa; prawo do zwrotu pieni\u0119dzy; eliminuje op\u0142aty za p\u0142atno\u015bci kart\u0105; zmniejszenie liczby po\u015brednik\u00f3w podczas zakup\u00f3w online itp. Wi\u0119cej informacji o Hiszpanii znajdziesz w naszych artyku\u0142ach:<\/p>\n<ul>\n<li> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/open-a-bank-account-in-spain\">Otw\u00f3rz konto w Hiszpanii<\/a> ;<\/li>\n<li> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/procedure-for-buying-property-in-spain\">Procedura zakupu nieruchomo\u015bci w Hiszpanii<\/a> ;<\/li>\n<li> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/10-tips-for-buying-property-in-spain\">10 wskaz\u00f3wek dotycz\u0105cych zakupu nieruchomo\u015bci w Hiszpanii;<\/a><\/li>\n<li> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/how-to-get-a-mortgage-in-spain\">Jak uzyska\u0107 kredyt hipoteczny w Hiszpanii. Dokumenty do kredytu hipotecznego w Hiszpanii;<\/a><\/li>\n<li> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/taxes-in-spain-for-non-residents-property-owners\">Podatki w Hiszpanii dla nierezydent\u00f3w &#8211; w\u0142a\u015bcicieli nieruchomo\u015bci.<\/a><\/li>\n<\/ul>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Hiszpa\u0144skie banki od kilku tygodni wysy\u0142aj\u0105 do swoich klient\u00f3w\u2026<\/p>\n","protected":false},"author":2,"featured_media":93410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,961],"tags":[],"class_list":["post-93409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-taxes-and-laws"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>(RU) \u041d\u043e\u0432\u0430\u044f \u0434\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u0430 \u0415\u0421 \u043f\u043e \u043e\u043a\u0430\u0437\u0430\u043d\u0438\u044e \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0443\u0441\u043b\u0443\u0433 \u2013 Payment Services Directive (PSD2): \u0447\u0442\u043e \u044d\u0442\u043e \u043e\u0437\u043d\u0430\u0447\u0430\u0435\u0442 \u0434\u043b\u044f \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439?<\/title>\n<meta name=\"description\" content=\"(RU) \u041d\u043e\u0432\u0430\u044f \u0434\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u0430 \u0415\u0421 \u2013 Payment Services Directive (PSD2): \u043c\u0435\u0440\u044b \u043f\u043e \u0443\u0441\u0438\u043b\u0435\u043d\u0438\u044e \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u043e\u043d\u043b\u0430\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439. \u041a\u0430\u043a \u0431\u0443\u0434\u0435\u0442 \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u044f\u0442\u044c\u0441\u044f \u0434\u043e\u0441\u0442\u0443\u043f \u043a \u043e\u043d\u043b\u0430\u0439\u043d-\u0431\u0430\u043d\u043a\u0443? 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