[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.leep.cz\/pojisteni-vkladu-u-bank\/#Article","mainEntityOfPage":"https:\/\/www.leep.cz\/pojisteni-vkladu-u-bank\/","headline":"Poji\u0161t\u011bn\u00ed vklad\u016f u bank","name":"Poji\u0161t\u011bn\u00ed vklad\u016f u bank","description":"V \u010cesk\u00e9 republice m\u016f\u017eeme vyu\u017e\u00edt slu\u017eeb t\u0159iadvaceti pobo\u010dek zahrani\u010dn\u00edch bank, jejich\u017e mate\u0159sk\u00e9 banky se nach\u00e1zej\u00ed","datePublished":"2020-01-12","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.leep.cz\/author\/#Person","name":"","url":"https:\/\/www.leep.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"leep.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.leep.cz\/wp-content\/uploads\/img_a366787_w4257_t1579375094.jpg","url":"https:\/\/www.leep.cz\/wp-content\/uploads\/img_a366787_w4257_t1579375094.jpg","height":0,"width":0},"url":"https:\/\/www.leep.cz\/pojisteni-vkladu-u-bank\/","about":["Pen\u00edze"],"wordCount":429,"articleBody":"V \u010cesk\u00e9 republice m\u016f\u017eeme vyu\u017e\u00edt slu\u017eeb t\u0159iadvaceti pobo\u010dek zahrani\u010dn\u00edch bank, jejich\u017e mate\u0159sk\u00e9 banky se nach\u00e1zej\u00ed v dev\u00edti zem\u00edch Evropsk\u00e9 unie. Ot\u00e1zkou, co by p\u0159esn\u011b n\u00e1sledovalo po krachu t\u011bchto bank, se zab\u00fdv\u00e1 m\u00e1lokdo, velk\u00fdm bank\u00e1m prost\u011b d\u016fv\u011b\u0159ujeme. Jde o to, zda pro vklady veden\u00e9 u pobo\u010dek zahrani\u010dn\u00edch bank, p\u016fsob\u00edc\u00edch na na\u0161em trhu, plat\u00ed stejn\u00e9 limity jako u \u00faspor, ulo\u017een\u00fdch u bank \u010desk\u00fdch.\tUklid\u0148uj\u00edc\u00ed je, \u017ee o vklady se v p\u0159\u00edpad\u011b krachu banky s \u010deskou pobo\u010dkou nemus\u00edme b\u00e1t. V r\u00e1mci Evropsk\u00e9 unie plat\u00ed stejn\u00fd limit poji\u0161t\u011bn\u00ed vklad\u016f ve v\u00fd\u0161i 100 tis\u00edc eur. Rozd\u00edl je ve lh\u016ft\u011b pro vypl\u00e1cen\u00ed n\u00e1hrad, pokud by do\u0161lo ke krachu banky. Zat\u00edmco v \u010cesk\u00e9 republice se n\u00e1hrady za\u010d\u00ednaj\u00ed vypl\u00e1cet do 7 pracovn\u00edch dn\u00ed, jinde m\u016f\u017ee b\u00fdt tato doba del\u0161\u00ed. V n\u011bkter\u00fdch zem\u00edch se jedn\u00e1 a\u017e o dvacet pracovn\u00edch dn\u016f, \u0159ada bank se sna\u017e\u00ed tyto lh\u016fty postupn\u011b zkracovat, v\u0161e sm\u011b\u0159uje postupn\u011b k tomu, aby byla od roku 2024 dodr\u017eena Evropskou uni\u00ed stanoven\u00e1 podm\u00ednka 7 dn\u016f.\tVypl\u00e1cen\u00ed n\u00e1hrad klient\u016fm prov\u00e1d\u00ed syst\u00e9m poji\u0161t\u011bn\u00ed vklad\u016f na \u00fazem\u00ed, kde se nach\u00e1z\u00ed pobo\u010dka banky. Z toho vypl\u00fdv\u00e1, \u017ee i kdy\u017e je vklad klienta poji\u0161t\u011bn v jin\u00e9 zemi, kde s\u00eddl\u00ed centr\u00e1la zahrani\u010dn\u00ed banky, bude v p\u0159\u00edpad\u011b krachu organizovat v\u00fdplatu n\u00e1hrad Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu u n\u00e1s, v \u010cesk\u00e9 republice. D\u011bje se tak na z\u00e1klad\u011b dohod, kter\u00e9 zohled\u0148uj\u00ed pot\u0159eby jednotliv\u00fdch zem\u00ed. V t\u011bchto dohod\u00e1ch je \u0159e\u0161en p\u0159edev\u0161\u00edm zp\u016fsob ozn\u00e1men\u00ed krachu banky klientovi, zp\u016fsob v\u00fdplaty n\u00e1hrad, d\u00e1le lh\u016fty pro jednotliv\u00e9 kroky p\u0159i poskytov\u00e1n\u00ed n\u00e1hrad a dal\u0161\u00ed provozn\u00ed po\u017eadavky.\t\tVa\u0161e finan\u010dn\u00ed instituce je povinna informovat v\u00e1s jedenkr\u00e1t ro\u010dn\u011b o tom, kde jsou va\u0161e vklady poji\u0161t\u011bny. D\u011bje se tak prost\u0159ednictv\u00edm informa\u010dn\u00edho p\u0159ehledu s uveden\u00edm limitu poji\u0161t\u011bn\u00ed a lh\u016ftou pro v\u00fdplatu n\u00e1hrad vklad\u016f. B\u00fdv\u00e1 p\u0159ipojen odkaz, na webov\u00fdch str\u00e1nk\u00e1ch je mo\u017en\u00e9 zjistit dal\u0161\u00ed podrobnosti.\t                                                                                                                                                                                                                                                                                                                                                                                         4.1\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed vklad\u016f u bank","item":"https:\/\/www.leep.cz\/pojisteni-vkladu-u-bank\/#breadcrumbitem"}]}]