{"id":38156,"date":"2023-05-16T12:48:00","date_gmt":"2023-05-16T09:48:00","guid":{"rendered":"https:\/\/economic.karpat.in.ua\/?p=38156"},"modified":"2023-05-16T01:53:43","modified_gmt":"2023-05-15T22:53:43","slug":"milliardos-vesztesegeket-okoznak-a-hataron-tuli-atutalasok","status":"publish","type":"post","link":"https:\/\/economic.karpat.in.ua\/?p=38156&lang=hu","title":{"rendered":"Milli\u00e1rdos vesztes\u00e9geket okoznak a hat\u00e1ron t\u00fali \u00e1tutal\u00e1sok"},"content":{"rendered":"\n

Az eur\u00f3pai bankok 92 sz\u00e1zal\u00e9ka kihaszn\u00e1lja a jogszab\u00e1ly kiskapuit, \u00e9s tov\u00e1bbra is \u00e1tl\u00e1thatatlanul kezeli a hat\u00e1rokon \u00e1tny\u00fal\u00f3 utal\u00e1sok \u00e1tv\u00e1lt\u00e1si d\u00edjait \u2013 \u00e1llap\u00edtotta meg a Wise online p\u00e9nzk\u00fcld\u00e9ssel foglalkoz\u00f3 c\u00e9g a leg\u00fajabb kutat\u00e1s\u00e1t \u00f6sszegz\u0151 k\u00f6zlem\u00e9nyben.<\/strong><\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

Megjegyezt\u00e9k, hogy a k\u00e9t\u00e9rtelm\u0171s\u00e9g az eur\u00f3pai fogyaszt\u00f3knak egy \u00e9v alatt 12,5 milli\u00e1rd eur\u00f3 vesztes\u00e9get okoz. Kifejtett\u00e9k: a bankok 20 sz\u00e1zal\u00e9ka nem ad t\u00e1j\u00e9koztat\u00e1st a hat\u00e1ron \u00e1tny\u00fal\u00f3 fizet\u00e9skor alkalmazott \u00e1rfolyamr\u00f3l, a p\u00e9nzint\u00e9zetek 72 sz\u00e1zal\u00e9ka pedig rejtetten nem a piaci k\u00f6z\u00e9p\u00e1rfolyamot, hanem a saj\u00e1t, felf\u00fajt \u00e1rfolyam\u00e1t alkalmazza.<\/p>\n\n\n\n

A kutat\u00e1s szerint az elemzett bankok 40 sz\u00e1zal\u00e9ka csak az \u00e1tutal\u00e1s \u00f6sszeg\u00e9t vagy az el\u0151re felt\u00fcntetett d\u00edjat jelen\u00edti meg. Csak az ING fi\u00f3kjai \u00e9s a brit Starling Bank teljesen \u00e1tl\u00e1that\u00f3, \u00e9s tesz k\u00f6zz\u00e9 minden d\u00edjat \u2013 \u00edrt\u00e1k.<\/p>\n\n\n\n

Arra is kit\u00e9rtek: az ipar\u00e1gban bevett gyakorlat, hogy alacsony d\u00edjat vagy \u00e9ppen d\u00edjmentes utal\u00e1st hirdetnek, mik\u00f6zben a val\u00f3s\u00e1gban a felf\u00fajt \u00e1rfolyamban tov\u00e1bbi d\u00edjat rejtegetnek. Ez a fel\u00e1r a vizsg\u00e1lt h\u00e9t orsz\u00e1g k\u00f6z\u00fcl Magyarorsz\u00e1gon a legalacsonyabb, \u00e1tlagosan 1,06 sz\u00e1zal\u00e9k, \u00c9sztorsz\u00e1gban pedig a legmagasabb, 2,58 sz\u00e1zal\u00e9k f\u0171zt\u00e9k hozz\u00e1.<\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

Az EU-ban 2020-ban hat\u00e1lyba l\u00e9pett \u00faj k\u00f6vetelm\u00e9nyek szerint minden \u00e1tv\u00e1lt\u00e1si d\u00edjat \u00e9rthet\u0151 m\u00f3don fel kell t\u00fcntetni egy m\u00e1sik p\u00e9nznembe t\u00f6rt\u00e9n\u0151 \u00e1tutal\u00e1s el\u0151tt.<\/p>\n\n\n\n

A tranzakci\u00f3 k\u00f6lts\u00e9ge \u00e1ltal\u00e1ban k\u00e9t \u00f6sszetev\u0151b\u0151l \u00e1ll: egy el\u0151re felt\u00fcntetett d\u00edjb\u00f3l \u00e9s egy \u00e1tv\u00e1lt\u00e1si d\u00edjb\u00f3l.<\/p>\n\n\n\n

A c\u00e9g h\u00e9t eur\u00f3pai orsz\u00e1g \u2013 Magyarorsz\u00e1g \u00e9s \u00c9sztorsz\u00e1g mellett az Egyes\u00fclt Kir\u00e1lys\u00e1g, Spanyolorsz\u00e1g, Litv\u00e1nia, Belgium \u00e9s N\u00e9metorsz\u00e1g \u2013 25 bankj\u00e1t vizsg\u00e1lta; a bankok \u00f6sszesen a lakoss\u00e1g mintegy 80 sz\u00e1zal\u00e9k\u00e1t szolg\u00e1lj\u00e1k ki a piacokon.<\/p>\n\n\n\n

(vg.hu)<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Az eur\u00f3pai bankok 92 sz\u00e1zal\u00e9ka kihaszn\u00e1lja a jogszab\u00e1ly kiskapuit, \u00e9s tov\u00e1bbra is \u00e1tl\u00e1thatatlanul kezeli a hat\u00e1rokon \u00e1tny\u00fal\u00f3 utal\u00e1sok \u00e1tv\u00e1lt\u00e1si d\u00edjait \u2013 \u00e1llap\u00edtotta meg a Wise online p\u00e9nzk\u00fcld\u00e9ssel foglalkoz\u00f3 c\u00e9g a leg\u00fajabb kutat\u00e1s\u00e1t \u00f6sszegz\u0151 k\u00f6zlem\u00e9nyben. <\/p>\n","protected":false},"author":12,"featured_media":38158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,23,49,39],"tags":[185,37341,3580,164079],"class_list":["post-38156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cikkek","category-fotok","category-hirek","category-vilag","tag-arfolyam","tag-europai-bankok","tag-utalas","tag-valtas"],"_links":{"self":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/38156","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38156"}],"version-history":[{"count":1,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/38156\/revisions"}],"predecessor-version":[{"id":38159,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/38156\/revisions\/38159"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/media\/38158"}],"wp:attachment":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38156"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38156"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}