Nebojte sa zmeniť banku

Napísal Silvia Čakajdová 05. marec 2025

Rozčúlil vás absurdný poplatok, nefunkčná aplikácia mobilného bankovníctva, neochotný personál alebo skutočnosť, že riešenie každej maličkosti vyžaduje vopred dohodnutú osobnú schôdzku v pobočke? Ak nie ste spokojní so svojou súčasnou bankou, nebojte sa ju zmeniť.

freepik_banking_25

Je to jednoduchšie, ako si myslíte.

Výber banky

Skôr ako začnete hľadať novú banku, zamyslite sa nad tým, čo od nej očakávate. V súčasnosti sa ponuka služieb jednotlivých bánk ohľadom základných služieb príliš nelíši. Úlohu tak môžu zohrávať vaše špecifické požiadavky. Pozrieť sa treba napríklad na výšku účtovaných poplatkov, kde banky rady uplatňujú svoju kreativitu. Ak dávate prednosť platbe v hotovosti, budete sa pravdepodobne zaujímať o hustotu siete bankomatov a pobočiek, poprípade o podmienky výberu u konkurencie. Stále väčší dôraz sa tiež kladie na používateľskú prívetivosť, či už ide o intuitívnu aplikáciu mobilného bankovníctva alebo nasadenie nových služieb, ako je možnosť platby na telefónne číslo. „Pri splnení zvláštnych podmienok, napríklad výšky príjmu, ktorý je pravidelne pripisovaný na predmetný účet, vám banky rady ponúknu aj osobnejší prístup. To môže zahŕňať služby osobného bankára, vedenie účtov v zahraničnej mene či poskytnutie kreditnej karty s nadväzujúcimi službami, ako poistenie alebo vstup do letiskových salónikov,“ uvádza Eduarda Hekšová, riaditeľka spotrebiteľskej organizácie dTest. Ak chcete mať všetky bankové služby „pod jednou strechou“, potom vás môže eventuálne zaujímať aj výška úrokov na sporiacom účte alebo možnosť dojednania výhodnej hypotéky.

Ako prejsť do inej banky

Predtým ste kvôli založeniu bankového účtu museli ísť priamo do banky. Nevyhnutnou podmienkou je totiž náležitá identifikácia klienta. V súčasnosti stačí vyplniť potrebné údaje priamo v aplikácii banky a dokonca aj nutné overenie identity je možné zvládnuť bez toho, aby ste museli opustiť pohodlie domova. Ak máte účet založený, prevediete si zostatok, nastavíte trvalé príkazy a informujete zamestnávateľa o nových bankových údajoch. Potom stačí zažiadať o zrušenie účtu vo vašej existujúcej banke.

Zdá sa vám aj tento spôsob príliš zložitý? Potom nechajte všetko zariaďovanie na vašej novej banke. Funguje to tak, že pôjdete do pobočky vami vybranej banky a požiadate o zmenu platobného účtu. „Svoju novú banku môžete zmocniť na to, aby za vás a vo vašom mene vyriešila všetky potrebné formality. Banka vám následne zabezpečí nový účet a zároveň, ak si to budete želať, od určitého dátumu prevedie trvalé príkazy a súhlas s inkasom, osloví vášho zamestnávateľa o presmerovanie príjmu, alebo dokonca vypovie zmluvu o platobnom účte v existujúcej banke,“ vysvetľuje Hekšová.

Čo by ste mali vedieť o prevedení účtu

Počítajte s tým, že zmena platobného účtu nefunguje ako prenesenie telefónneho čísla k inému operátorovi. Pri prenose účtu do inej banky sa zmení existujúce číslo bankového účtu, pretože každá banka má svoj špecifický kód, ktorý nie je možné preniesť do druhej banky.

„Zmenu platobného účtu vám nová banka nemusí zabezpečiť, ak máte v doterajšej banke ďalšie záväzky spojené s bežným účtom, napríklad hypotéku, alebo ak je účet v nepovolenom debete,“ uzatvára riaditeľka dTestu Hekšová.

V niektorých prípadoch pre vás môže byť jednoduchšie založiť si účet v novej banke samostatne a určitý čas prevádzkovať oba účty zároveň. Uistíte sa tak, že všetko je v poriadku a funkčné tak, ako si prajete.

Zdroj foto: Freepik

18 komentárov

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