{"id":5230,"date":"2022-05-23T18:38:45","date_gmt":"2022-05-23T16:38:45","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=5230"},"modified":"2022-06-02T19:10:15","modified_gmt":"2022-06-02T17:10:15","slug":"vymena-penez-na-dovolenou","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/vymena-penez-na-dovolenou\/","title":{"rendered":"V\u00fdm\u011bna pen\u011bz na dovolenou \u2013 banka nebo sm\u011bn\u00e1rna?"},"content":{"rendered":"

Bl\u00ed\u017e\u00ed se letn\u00ed pr\u00e1zdniny a s nimi i cesty na dovolenou. Zahrani\u010dn\u00ed dovolen\u00e9 pat\u0159\u00ed mezi ty nej\u010dast\u011bj\u0161\u00ed. Bez ohledu na to, do jak\u00e9 zem\u011b se vyd\u00e1te, \u010dek\u00e1 v\u00e1s nejsp\u00ed\u0161 v\u00fdm\u011bna pen\u011bz. I kdy\u017e se d\u00e1 v dne\u0161n\u00ed dob\u011b na velk\u00e9m mno\u017estv\u00ed m\u00edst platit platebn\u00ed kartou, je dobr\u00e9 hotovost u sebe m\u00edt. <\/strong><\/p>\n

V\u00fdm\u011bna pen\u011bz v\u0161ak vy\u017eaduje p\u0159ipravenost a zralost<\/strong> nejen kurz\u016f, ale i m\u00edst, kde si pen\u00edze vym\u011bnit co nejv\u00fdhodn\u011bji a bez skryt\u00fdch poplatk\u016f. V dne\u0161n\u00edm \u010dl\u00e1nku v\u00e1s provedeme bezpe\u010dnou v\u00fdm\u011bnou pen\u011bz do zahrani\u010d\u00ed.<\/b><\/p>\n

Aktu\u00e1ln\u00ed kurzy pravideln\u011b aktualizuje, na sv\u00fdch internetov\u00fdch str\u00e1nk\u00e1ch, \u010cesk\u00e1 N\u00e1rodn\u00ed banka. Zn\u00e1t ten spr\u00e1vn\u00fd kurz <\/a>je d\u016fle\u017eit\u00e9 p\u0159i sm\u011bn\u011b pen\u011bz ve sm\u011bn\u00e1rn\u00e1ch a ur\u010den\u00ed, zda jsou v\u00fdhodn\u00e9 \u010di nikoliv. Sm\u011bn\u00e1rny jsou nej\u010dast\u011bj\u0161\u00edm m\u00edstem, kde si lid\u00e9 pen\u00edze na dovolenou m\u011bn\u00ed.<\/p>\n

\n

Od 1. dubna 2019 vstoupila v platnost nov\u00e1 novela o sm\u011bn\u00e1rensk\u00e9 \u010dinnosti, kter\u00e1 zak\u00e1zala, do t\u00e9 doby, mnoho nekal\u00fdch praktik. <\/em><\/p>\n<\/blockquote>\n

Bohu\u017eel se st\u00e1le najdou sm\u011bn\u00e1rny, kter\u00e9 se nach\u00e1z\u00ed obvykle v centrech velk\u00fdch m\u011bst<\/a>, a jejich kurz a nekal\u00e9 praktiky jsou st\u00e1le na hran\u011b. Typick\u00fdm p\u0159\u00edkladem jsou sm\u011bn\u00e1rny, kter\u00e9 nab\u00edz\u00ed 0% poplatek. Takov\u00e9 nemus\u00ed b\u00fdt v\u017edy tou nejlep\u0161\u00ed volbou. D\u016fle\u017eit\u011bj\u0161\u00ed je v\u011bt\u0161inou ji\u017e zmi\u0148ovan\u00fd samotn\u00fd kurz, p\u0159\u00edpadn\u011b dal\u0161\u00ed poplatky spojen\u00e9 se z\u00e1m\u011bnou. Nejbezpe\u010dn\u011bj\u0161\u00ed jsou na v\u00fdm\u011bnu banky, kter\u00e9 se v\u011bt\u0161inou \u0159\u00edd\u00ed kurzem \u010cNB, mohou si v\u0161ak tak\u00e9 \u00fa\u010dtovat poplatky<\/strong>.<\/p>\n

V\u00fdb\u011br hotovosti v zahrani\u010d\u00ed<\/h2>\n

Pro p\u0159\u00edpady, kdy jste si nestihli vym\u011bnit pen\u00edze v \u010cR, nebo pot\u0159ebujete vybrat dal\u0161\u00ed hotovost, je mo\u017en\u00e9 vybrat si pen\u00edze i v zahrani\u010d\u00ed. V p\u0159\u00edpad\u011b, \u017ee se rozhodnete vyrazit k bankomatu, je dobr\u00e9 v\u011bd\u011bt, jestli a jak vysok\u00e9 m\u00e1 va\u0161e banka zpoplatn\u011bn\u00e9 v\u00fdb\u011bry z bankomat\u016f v ciz\u00edch zem\u00edch. Jsou banky, kter\u00e9 umo\u017e\u0148uj\u00ed bezplatn\u00e9 v\u00fdb\u011bry<\/strong>, u jin\u00fdch jsou poplatky ve v\u00fd\u0161i 50 a\u017e 100 K\u010d<\/strong>. Nav\u00edc si dal\u0161\u00ed poplatky m\u016f\u017ee \u00fa\u010dtovat i banka bankomatu v dan\u00e9 zemi.<\/p>\n

Pen\u00edze vyb\u00edrejte z bankomat\u016f na frekventovan\u00fdch m\u00edstech<\/strong> \u2013 obchody, n\u00e1m\u011bst\u00ed, hlavn\u00ed t\u0159\u00eddy, nebo ide\u00e1ln\u011b p\u0159\u00edmo u pobo\u010dky banky. Tato m\u00edsta jsou hl\u00eddan\u00e1, a tud\u00ed\u017e i bezpe\u010dn\u00e1 pro v\u00fdb\u011br pen\u011bz. Bankomat v zahrani\u010d\u00ed v\u00e1m p\u0159ed samotn\u00fdm vyd\u00e1n\u00edm pen\u011bz uk\u00e1\u017ee hl\u00e1\u0161ku ohledn\u011b p\u0159epo\u010dtu pen\u011bz.<\/p>\n

Pozor si dejte na dynamickou konverzi \u2013 DCC<\/strong>, kter\u00e1 v\u00e1m sice uk\u00e1\u017ee okam\u017eit\u00fd p\u0159epo\u010det na \u010desk\u00e9 koruny, ale b\u00fdv\u00e1 m\u00e9n\u011b v\u00fdhodn\u00e1 ne\u017e druh\u00e1 varianta. Se slu\u017ebou DCC, se m\u016f\u017eete setkat nejen u bankomat\u016f, ale i p\u0159i platb\u011b kartou v restauraci. Kurz, kter\u00fd slu\u017eba DCC nab\u00edz\u00ed nen\u00ed ofici\u00e1ln\u00ed, ale ur\u010duje si ho s\u00e1m provozovatel.<\/p>\n

Probl\u00e9my p\u0159i v\u00fdm\u011bn\u011b pen\u011bz na dovolen\u00e9<\/h2>\n

Vzali jste si s sebou na dovolenou<\/a> \u010desk\u00e9 pen\u00edze a chcete je sm\u011bnit v zahrani\u010dn\u00ed sm\u011bn\u00e1rn\u011b? Bu\u010fte obez\u0159etn\u00ed. V zahrani\u010dn\u00edch sm\u011bn\u00e1rn\u00e1ch m\u016f\u017eete narazit hned dvakr\u00e1t. V prvn\u00edm p\u0159\u00edpad\u011b<\/strong>, kdy\u017e p\u0159edlo\u017e\u00edte k v\u00fdm\u011bn\u011b \u010deskou m\u011bnu, tak ji nebudou cht\u00edt ve vzd\u00e1len\u011bj\u0161\u00edch st\u00e1tech sm\u011bnit. Sm\u011bnit lze v\u0161ak ve v\u011bt\u0161in\u011b zem\u00edch na sv\u011bt\u011b eura a dolary.\u00a0Druh\u00fdm probl\u00e9mem<\/strong> mohou b\u00fdt neplatn\u00e9 bankovky.<\/p>\n

P\u0159ed v\u00fdm\u011bnou pen\u011bz je v\u017edy dobr\u00e9 si ov\u011b\u0159it, jak dan\u00e1 m\u011bna vypad\u00e1. Obloukem se pak vyhn\u011bte lidem, kte\u0159\u00ed nab\u00edz\u00ed sm\u011bnu pen\u011bz na ulici.\u00a0V p\u0159\u00edpad\u011b, \u017ee cestujete do exoti\u010dt\u011bj\u0161\u00edch zem\u00ed, je mo\u017en\u00e9, \u017ee v\u00e1m banka ani sm\u011bn\u00e1rna pen\u00edze nesm\u011bn\u00ed, proto\u017ee je zkr\u00e1tka nem\u00e1 v nab\u00eddce. V takov\u00e9m p\u0159\u00edpad\u011b zb\u00fdv\u00e1 zvolit a sm\u011bnit snadno sm\u011bnitelnou sv\u011btovou m\u011bnu \u2013 eura \u010di dolary<\/strong> a tu vym\u011bnit a\u017e na m\u00edst\u011b.<\/p>\n

\"v\u00fdm\u011bna<\/p>\n

V\u00fdm\u011bna pen\u011bz: Banka nebo sm\u011bn\u00e1rna?<\/h2>\n

Banky a bankomaty v\u00e1m v n\u011bkter\u00fdch p\u0159\u00edpadech mohou na\u00fa\u010dtovat poplatek, ale v n\u011bkter\u00fdch p\u0159\u00edpadech jsou oproti sm\u011bn\u00e1rn\u00e1m nejen v\u00fdhodn\u011bj\u0161\u00ed ale hlavn\u011b bezpe\u010dn\u011bj\u0161\u00ed. U n\u00e1s i v ciz\u00edch zem\u00edch se nach\u00e1z\u00ed sm\u011bn\u00e1rny, kter\u00e9 nab\u00edz\u00ed nev\u00fdhodn\u00e9 kurzy.<\/strong> Mnohdy si v zahrani\u010d\u00ed nem\u016f\u017eete b\u00fdt jisti ani samotn\u00fdm kurzovn\u00edm l\u00edstkem. Ten m\u016f\u017ee obsahovat dodatek o tom, \u017ee se jedn\u00e1 o kurzovn\u00ed l\u00edstek, kter\u00fd sm\u011bn\u00e1rna nepou\u017e\u00edv\u00e1 \u010di jin\u00e9 dal\u0161\u00ed dodatky, kter\u00fdch si \u010dlov\u011bk zkr\u00e1tka nev\u0161imne.<\/p>\n

V\u0161eobecn\u011b se rad\u00ed, pokud m\u00e1te cestu dlouhodob\u011b napl\u00e1novanou, abyste sledovali kurzy \u010cNB<\/strong>, nebo sm\u011bn\u00e1ren a sna\u017eili se koupit m\u011bnu co nejv\u00fdhodn\u011bji. V letn\u00edch m\u011bs\u00edc\u00edch, \u010dervenci a srpnu, je popt\u00e1vka po hlavn\u00edch m\u011bn\u00e1ch jako euro a americk\u00fd dolar znateln\u011b vy\u0161\u0161\u00ed, a to m\u00e1 za n\u00e1sledek i zv\u00fd\u0161en\u00ed cen t\u011bchto m\u011bn.<\/p>\n

A jak to m\u00e1te vy? Sledujete ten nejv\u00fdhodn\u011bj\u0161\u00ed kurz nebo nech\u00e1v\u00e1te sm\u011bnu na posledn\u00ed chv\u00edli?<\/p>\n","protected":false},"excerpt":{"rendered":"

Bl\u00ed\u017e\u00ed se letn\u00ed pr\u00e1zdniny a s nimi i cesty na dovolenou. Zahrani\u010dn\u00ed dovolen\u00e9 pat\u0159\u00ed mezi ty nej\u010dast\u011bj\u0161\u00ed. Bez ohledu na to, do jak\u00e9 zem\u011b se vyd\u00e1te, \u010dek\u00e1 v\u00e1s nejsp\u00ed\u0161 v\u00fdm\u011bna pen\u011bz. I kdy\u017e se d\u00e1 v dne\u0161n\u00ed dob\u011b na velk\u00e9m mno\u017estv\u00ed m\u00edst platit platebn\u00ed kartou, je dobr\u00e9 hotovost u sebe m\u00edt. V\u00fdm\u011bna pen\u011bz v\u0161ak vy\u017eaduje […]<\/p>\n","protected":false},"author":14,"featured_media":5231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1,14],"tags":[148,310,147],"class_list":["post-5230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","category-ucetnictvi-a-dane","tag-kam-zajit","tag-penize","tag-tipy"],"yoast_head":"\nV\u00fdm\u011bna pen\u011bz na dovolenou \u2013 banka nebo sm\u011bn\u00e1rna?<\/title>\n<meta name=\"description\" content=\"Zahrani\u010dn\u00ed dovolen\u00e9 pat\u0159\u00ed mezi ty nej\u010dast\u011bj\u0161\u00ed. 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