{"id":36588,"date":"2021-03-15T14:14:59","date_gmt":"2021-03-15T13:14:59","guid":{"rendered":"https:\/\/www.krivak.sk\/?p=36588"},"modified":"2021-03-15T15:48:40","modified_gmt":"2021-03-15T14:48:40","slug":"bezdovodne-zablokovany-ucet-v-banke","status":"publish","type":"post","link":"https:\/\/www.krivak.sk\/eng\/bezdovodne-zablokovany-ucet-v-banke\/","title":{"rendered":"<i class='fa fa-comments'><\/i> \u201eBezd\u00f4vodne\u201c zablokovan\u00fd \u00fa\u010det v banke"},"content":{"rendered":"<h3><strong>Moja spolo\u010dnos\u0165 si zalo\u017eila \u00fa\u010det v britskej internetovej banke. So slu\u017ebami som bol spokojn\u00fd do \u010dasu, k\u00fdm boli na \u00fa\u010det prip\u00edsan\u00e9 dve v\u00e4\u010d\u0161ie platby od klientov mojej spolo\u010dnosti. Vtedy banka \u00fa\u010det zablokovala. Ja som sa v\u0161ak o tom dozvedel a\u017e o p\u00e1r t\u00fd\u017ed\u0148ov, ke\u010f sa mi nepodarilo z \u00fa\u010dtu pouk\u00e1za\u0165 platby, na ktor\u00e9 \u010dakali moji obchodn\u00ed partneri. \u00da\u010det bol nedostupn\u00fd. Banku som okam\u017eite kontaktoval, nepodarilo sa mi v\u0161ak zisti\u0165 ni\u010d in\u00e9, len \u017ee banka \u00fa\u010det zablokovala, d\u00f4vod mi nepovedia a mus\u00edm \u010daka\u0165, k\u00fdm preveria, \u010do preveri\u0165 maj\u00fa. Ke\u010f\u017ee je to internetov\u00e1 banka, komunikuj\u00fa so mnou len online, kontaktova\u0165 telefonicky sa mi banku zatia\u013e nepodarilo. Trv\u00e1 to u\u017e desiaty de\u0148. Obchodn\u00ed partneri s\u00fa nerv\u00f3zni a ja e\u0161te viac, preto\u017ee neviem, \u010do m\u00e1m robi\u0165. Ak\u00e9 s\u00fa mo\u017enosti postupu? M\u00f4\u017ee sa takto banka spr\u00e1va\u0165?<\/strong><\/h3>\n<h6><\/h6>\n<p>Nov\u00fd typ finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed zameran\u00fd najm\u00e4 na poskytovanie slu\u017eieb internetov\u00e9ho bankovn\u00edctva m\u00e1 viacero v\u00fdhod. Finan\u010dno-technologick\u00e9 maxim\u00e1lne platformy alebo neobanky pon\u00fakaj\u00fa otvorenie \u00fa\u010dtu na \u201ep\u00e1r klikov\u201c. Nikam nemus\u00edte chodi\u0165, \u00fa\u010det si otvor\u00edte z\u00a0pohodlia domova, absolvujete video call a\u00a0po\u0161lete p\u00e1r skenov r\u00f4znych dokumentov. Fin-tech bankovanie ale m\u00e1 aj svoje nev\u00fdhody. Pod\u013ea\u00a0na\u0161ich sk\u00fasenost\u00ed k\u00a0nim m\u00f4\u017eu patri\u0165 aj tak\u00e9 situ\u00e1cie, ak\u00fa pr\u00e1ve za\u017e\u00edvate Vy.<\/p>\n<p>&nbsp;<\/p>\n<p>Probl\u00e9m spo\u010d\u00edva v\u00a0tom, \u017ee novodob\u00e9 <strong>internetov\u00e9 banky v snahe \u0161etri\u0165 \u013eudsk\u00e9 zdroje, \u010dasto vyu\u017e\u00edvaj\u00fa viac automatizovan\u00fdch syst\u00e9mov<\/strong>. Patria sem napr\u00edklad aj <strong>technologick\u00e9 postupy pracuj\u00face s vopred definovan\u00fdmi algoritmami na zachyt\u00e1vanie podozriv\u00fdch transakci\u00ed<\/strong>. Banka definuje ur\u010dit\u00e9 parametre, pri ktor\u00fdch syst\u00e9m vyhodnot\u00ed transakciu ako podozriv\u00fa a\u00a0\u00fa\u010det zablokuje. K\u00fdm v\u00a0be\u017enej banke by pred blok\u00e1ciou \u00fa\u010dtu pravdepodobne transakciu vyhodnotil \u010dlovek, ktor\u00fd by zv\u00e1\u017eil mo\u017eno viac aspektov ako automat, pr\u00edpadne by klientovi zatelefonoval a\u00a0overil by d\u00f4vod podozrivej transakcie, v\u00a0neobanke sa to tak nedeje.<\/p>\n<p>&nbsp;<\/p>\n<p>Pravidl\u00e1 ochrany pred pran\u00edm \u0161pinav\u00fdch pe\u0148az\u00ed a financovan\u00edm terorizmu, ktor\u00e9 musia banky dodr\u017eiava\u0165, s\u00fa pr\u00edsne. Preto <strong>je pre banky \u010dasto akceptovate\u013enej\u0161ie pr\u00eds\u0165 o klienta pre bezd\u00f4vodn\u00e9 zablokovanie \u00fa\u010dtu, ako \u010deli\u0165 vysokej pokute<\/strong> za nedostato\u010dn\u00e9 odchyt\u00e1vanie podozriv\u00fdch transakci\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<p>\u010co teda m\u00f4\u017eete robi\u0165? Bohu\u017eia\u013e, ni\u010d z\u00e1sadn\u00e9. Banka m\u00e1 na zmrazenie \u00fa\u010dtu v\u00a0drvivej v\u00e4\u010d\u0161ine pr\u00edpadov pr\u00e1vo. <strong>Pr\u00e1vo blokova\u0165 \u00fa\u010det v\u00a0pr\u00edpade, ak vyhodnot\u00ed transakciu za podozriv\u00fa, m\u00e1 finan\u010dn\u00e1 in\u0161tit\u00facia zakotven\u00e9 v\u00a0obchodn\u00fdch podmienkach a\u00a0toto pr\u00e1vo vypl\u00fdva aj z\u00a0eur\u00f3pskej legislat\u00edvy<\/strong>. Fakt je, \u017ee banka by V\u00e1s mala o\u00a0d\u00f4vode blok\u00e1cie v\u00a0primeranej dobe informova\u0165 a\u00a0v\u00a0primeranej dobe by sa mala aj rozhodn\u00fa\u0165, \u010di V\u00e1m \u00fa\u010det odblokuje a\u00a0umo\u017en\u00ed V\u00e1m ho \u010falej pou\u017e\u00edva\u0165, alebo \u010di V\u00e1m zmluvu vypovie. Aj na vypovedanie zmluvy o\u00a0be\u017enom \u00fa\u010dte m\u00e1 banka obvykle v\u00a0zmysle obchodn\u00fdch podmienok pr\u00e1vo v\u017edy a\u00a0bez udania d\u00f4vodu. <strong>Lehoty na informovanie o\u00a0d\u00f4vode blok\u00e1cie alebo lehoty na doru\u010denie v\u00fdpovede zmluvy s\u00fa uveden\u00e9 v obchodn\u00fdch podmienkach alebo vypl\u00fdvaj\u00fa z\u00a0n\u00e1rodnej legislat\u00edvy<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Odpor\u00fa\u010dame V\u00e1m v\u0161ak \u010do najsk\u00f4r nap\u00edsa\u0165 banke s\u0165a\u017enos\u0165 a\u00a0doru\u010di\u0165 ju cestou obvyklou pre pod\u00e1vanie s\u0165a\u017enost\u00ed.<\/strong> Pri internetovej banke to bude v\u00e4\u010d\u0161inou na str\u00e1nke uveden\u00e1 e-mailov\u00e1 adresa ur\u010den\u00e1 na tento \u00fa\u010del. <strong>V\u00a0s\u0165a\u017enosti v\u00a0prvom rade op\u00ed\u0161te Va\u0161u situ\u00e1ciu<\/strong>. Teda, kedy ste sa dozvedeli o\u00a0blok\u00e1cii \u00fa\u010dtu a ak\u00fdm sp\u00f4sobom a ako dlho sa sna\u017e\u00edte dozvedie\u0165 od banky o\u00a0d\u00f4vode blok\u00e1cie a\u00a0o\u00a0\u010fal\u0161\u00edch krokoch banky. <strong>D\u00f4le\u017eit\u00e9 je uvies\u0165, ak\u00e9 komplik\u00e1cie V\u00e1m t\u00e1to situ\u00e1cia sp\u00f4sobuje<\/strong>. Teda, \u017ee nem\u00f4\u017eete pouk\u00e1za\u0165 peniaze obchodn\u00fdm partnerom a\u00a0pr\u00edpadne, \u017ee V\u00e1m hrozia z\u00a0ich strany sankcie za poru\u0161enie zmluvy. M\u00f4\u017eete spomen\u00fa\u0165 aj Va\u0161e pr\u00e1vo obr\u00e1ti\u0165 sa na finan\u010dn\u00e9ho ombudsmana. <strong>\u010casto pom\u00f4\u017ee aj to, \u017ee s\u0165a\u017enos\u0165 nap\u00ed\u0161e vo Va\u0161om mene advok\u00e1t. <\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Po nap\u00edsan\u00ed s\u0165a\u017enosti m\u00f4\u017ee pr\u00eds\u0165 v\u00fdsledok relat\u00edvne r\u00fdchlo. Nemajte v\u0161ak pr\u00edli\u0161 ve\u013ek\u00e9 o\u010dak\u00e1vania. <strong>Ani potom sa nemus\u00edte o d\u00f4vode blok\u00e1cie \u00fa\u010dtu dozvedie\u0165. V\u00fdsledok m\u00f4\u017ee by\u0165 len to, \u017ee V\u00e1m banka umo\u017en\u00ed peniaze si previes\u0165 na in\u00fd \u00fa\u010det a\u00a0\u00fa\u010det V\u00e1m zatvor\u00ed<\/strong>. Je to jednoducho da\u0148 za r\u00fdchlu dobu, r\u00fdchle bankovanie a\u00a0automatizovan\u00e9 procesy.<\/p>","protected":false},"excerpt":{"rendered":"<h3>Moja spolo\u010dnos\u0165 si zalo\u017eila \u00fa\u010det v britskej internetovej banke. So slu\u017ebami som bol spokojn\u00fd do \u010dasu, k\u00fdm boli na \u00fa\u010det prip\u00edsan\u00e9 dve v\u00e4\u010d\u0161ie platby od klientov mojej spolo\u010dnosti. Vtedy banka \u00fa\u010det zablokovala. Ja som sa v\u0161ak o tom dozvedel a\u017e o p\u00e1r t\u00fd\u017ed\u0148ov, ke\u010f sa mi nepodarilo z \u00fa\u010dtu pouk\u00e1za\u0165 platby, na ktor\u00e9 \u010dakali moji obchodn\u00ed partneri. \u00da\u010det bol nedostupn\u00fd. Banku som okam\u017eite kontaktoval, nepodarilo sa mi v\u0161ak&#8230;<\/h3>","protected":false},"author":32,"featured_media":36590,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[50,51],"tags":[],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts\/36588"}],"collection":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/comments?post=36588"}],"version-history":[{"count":0,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts\/36588\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/media\/36590"}],"wp:attachment":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/media?parent=36588"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/categories?post=36588"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/tags?post=36588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}