{"id":2921,"date":"2022-03-25T17:11:00","date_gmt":"2022-03-25T16:11:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2921"},"modified":"2022-03-28T12:52:41","modified_gmt":"2022-03-28T10:52:41","slug":"ako-usetrit-v-banke","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-usetrit-v-banke\/","title":{"rendered":"10 jednoduch\u00fdch r\u00e1d, ako m\u00f4\u017eete u\u0161etri\u0165 v banke"},"content":{"rendered":"<p><b><strong>Viacer\u00e9 banky od marca zv\u00fd\u0161ili poplatky pre klientov a \u010fal\u0161ie zdra\u017eovanie v sadzobn\u00edkoch ohl\u00e1sili aj od m\u00e1ja a j\u00fana. <\/strong>Zd\u00e1 sa v\u00e1m, \u017ee plat\u00edte za svoj \u00fa\u010det prive\u013ea pe\u0148az\u00ed? Pre\u010d\u00edtajte si<strong> nieko\u013eko praktick\u00fdch r\u00e1d, ako m\u00f4\u017eete bankov\u00e9 poplatky minimalizova\u0165 alebo sa im aj \u00faplne vyhn\u00fa\u0165. Pri efekt\u00edvnom vyu\u017e\u00edvan\u00ed \u00fa\u010dtu takto u\u0161etr\u00edte aj desiatky eur.\u00a0<\/strong><\/b><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>10 r\u00e1d, ako m\u00f4\u017eete u\u0161etri\u0165 na bankov\u00fdch poplatkoch<\/li>\n<li>Ako \u010dasto menia banky svoje sadzobn\u00edky a kde ich n\u00e1jdete<\/li>\n<li>Pre\u010do m\u00f4\u017ee by\u0165 v\u00fdhodn\u00e9, ak m\u00e1 v jednej banke \u00fa\u010det cel\u00e1 rodina<\/li>\n<li>Kedy naj\u010dastej\u0161ie \u013eudia menia svoj \u00fa\u010det a pre\u010do sa oplat\u00ed poradi\u0165<a href=\"https:\/\/www.fingo.sk\/kontakty\"> s odborn\u00edkom<\/a><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>10 r\u00e1d, ako m\u00f4\u017eete u\u0161etri\u0165 v banke<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>1.<\/strong><\/span>\u00a0Vyhnite sa <strong>v\u00fdberom z bankomatov in\u00fdch b\u00e1nk<\/strong>, pokia\u013e m\u00e1 va\u0161a banka vlastn\u00fa sie\u0165 bankomatov.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">2.<\/span><\/strong>\u00a0Minimalizujte <strong>\u00fakony zad\u00e1van\u00e9 cez pobo\u010dku<\/strong> &#8211; napr\u00edklad vklady, v\u00fdbery hotovosti alebo zad\u00e1vanie prevodn\u00fdch pr\u00edkazov.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">3.<\/span><\/strong> Nau\u010dte sa vyu\u017e\u00edva\u0165<strong> internet banking a smart banking<\/strong> &#8211; platby tak rob\u00edte zv\u00e4\u010d\u0161a \u00faplne bez poplatku.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">4.<\/span> <\/strong>Aktivujte si <strong>zasielanie elektronick\u00fdch v\u00fdpisov<\/strong> na e-mail alebo do internet bankingu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">5.<\/span><\/strong> Overte si, \u010di neplat\u00edte za<strong> SMS notifik\u00e1cie<\/strong> o pohyboch na \u00fa\u010dte &#8211; ve\u013ea b\u00e1nk ich spoplatnilo a zadarmo s\u00fa len od ur\u010ditej sumy.<\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Ak m\u00e1te stiahnut\u00fa aplik\u00e1ciu svojej banky v telef\u00f3ne, tieto notifik\u00e1cie s\u00fa bezplatn\u00e9 prostredn\u00edctvom tzv. push spr\u00e1v v telef\u00f3ne.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>6.<\/strong><\/span> <strong>Pla\u0165te \u010do najviac kartou.<\/strong> V<\/span><span style=\"font-weight: 400;\"> niektor\u00fdch bank\u00e1ch m\u00f4\u017eete z\u00edska\u0165 tzv. cashback, \u010di\u017ee v\u00e1m banka z ka\u017edej platby prip\u00ed\u0161e ist\u00e9 % zo zaplatenej sumy sp\u00e4\u0165 na \u00fa\u010det.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>7.<\/strong><\/span> Nepod\u013eahnite ponuk\u00e1m b\u00e1nk a nedojedn\u00e1vajte si <strong>zbyto\u010dne drah\u0161ie bal\u00edky \u00fa\u010dtu<\/strong> ako naozaj potrebujete.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>8.<\/strong> <\/span>Ak v\u00e1m to m\u00f4\u017ee <strong>zn\u00ed\u017ei\u0165 poplatok za \u00fa\u010det<\/strong>, uzatvorte si sporenie v banke aspo\u0148 na minim\u00e1lnu sumu.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak si uzavriete sporenie na 10 \u20ac mesa\u010dne a re\u00e1lne tak u\u0161etr\u00edte na poplatku za \u00fa\u010det napr\u00edklad 35 \u20ac ro\u010dne, tak je to akoby ste dosiahli 29 % v\u00fdnos (za 120 \u20ac odlo\u017een\u00fdch v banke z\u00edskate 35 \u20ac navy\u0161e). Tak\u00e9to <a href=\"https:\/\/www.fingo.sk\/investovanie\">zhodnotenie<\/a> v\u00e1m pravdepodobne nezabezpe\u010d\u00ed ani ten najlep\u0161\u00ed investi\u010dn\u00fd fond \ud83d\ude42\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>9.<\/strong><\/span> Op\u00fdtajte sa banky, ako m\u00f4\u017eete ma\u0165 <strong>svoj \u00fa\u010det zadarmo<\/strong>. \u010casto sta\u010d\u00ed splni\u0165 2 &#8211; 3 podmienky, napr\u00edklad ma\u0165 nastaven\u00fd trval\u00fd pr\u00edkaz, nejak\u00e9 sporenie v banke alebo akt\u00edvne vyu\u017e\u00edva\u0165 mobiln\u00fa aplik\u00e1ciu banky.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>10.<\/strong> <\/span><strong>Pora\u010fte sa bezplatne s finan\u010dn\u00fdm sprostredkovate\u013eom<\/strong>, ktor\u00fd v\u00e1m porovn\u00e1 poplatky a v\u00fdhodnos\u0165 \u00fa\u010dtov, ale aj \u010fal\u0161\u00edch bankov\u00fdch ako aj poistn\u00fdch produktov, ktor\u00e9 by ste mohli ma\u0165 lacnej\u0161ie a e\u0161te aj <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">kvalitnej\u0161ie<\/a>.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">TIP:<\/span>\u00a0<\/strong>Na\u0161i makl\u00e9ri z\u00a0FinGO.sk v\u00e1m radi poradia. Zavolajte n\u00e1m na\u00a0<strong><a href=\"tel:0800601060\">0800 60 10 60<\/a><\/strong> <\/span><span style=\"font-weight: 400;\">alebo n\u00e1m zanechajte va\u0161e \u00fadaje a my sa v\u00e1m ozveme.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2921#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><strong>Poplatky sa zvykn\u00fa meni\u0165 relat\u00edvne \u010dasto<\/strong><\/span><\/h2>\n<p>V\u00e4\u010d\u0161ina \u013eud\u00ed sa v banke zauj\u00edma hlavne o mesa\u010dn\u00fd <strong>poplatok za <a href=\"https:\/\/www.fingo.sk\/blog\/ktora-banka-je-najlepsia-porovnali-sme-pre-vas-ucty\/\">vedenie \u00fa\u010dtu.<\/a><\/strong> No existuje aj mno\u017estvo \u010fal\u0161\u00edch, ktor\u00e9 si be\u017ene neuvedomujeme, ale pritom n\u00e1s stoja nemal\u00e9 peniaze. <span style=\"font-size: revert; color: initial;\"><strong>Najvy\u0161\u0161ie n\u00e1klady<\/strong> spojen\u00e9 s veden\u00edm \u00fa\u010dtu tvoria pr\u00e1ve sekund\u00e1rne poplatky.<\/span><\/p>\n<blockquote><p>Ide o hotovostn\u00e9 transakcie na pobo\u010dke, v\u00fdbery z cudz\u00edch bankomatov alebo vystavenia r\u00f4znych potvrden\u00ed. Okrem toho existuje aj mno\u017estvo \u010fal\u0161\u00edch, napr\u00edklad poplatok za zasielanie v\u00fdpisu z \u00fa\u010dtu po\u0161tou, poplatky za prevydanie platobnej karty, urgentn\u00e9 platby, platby v inej mene ako EUR a podobne.<\/p><\/blockquote>\n<p>Banky svoje sadzobn\u00edky poplatkov zvykn\u00fa meni\u0165 relat\u00edvne \u010dasto. V priemere je to <strong>jeden a\u017e \u0161tyrikr\u00e1t do roka<\/strong>. V\u0161etky poplatky n\u00e1jdete podrobne rozp\u00edsan\u00e9 v sadzobn\u00edkoch poplatkov na ka\u017edej pobo\u010dke alebo webovej str\u00e1nke banky.<\/p>\n<h2><span style=\"color: #ec8124;\"><b>Cel\u00e1 rodina v jednej banke &#8211; \u00e1no, \u010di nie?\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u010casto m\u00e1 \u00fa\u010det v banke cel\u00e1 rodina, po\u010d\u00ednaj\u00fac de\u0165mi a\u017e po star\u00fdch rodi\u010dov. Ak maj\u00fa v\u0161etci \u010dlenovia rodiny otvoren\u00fd \u00fa\u010det v jednej banke, m\u00f4\u017ee to ma\u0165 nieko\u013eko praktick\u00fdch v\u00fdhod:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">pr\u00edpadn\u00e9 <strong>prevody <\/strong>pe\u0148az\u00ed v r\u00e1mci jednej banky<strong> prebehn\u00fa okam\u017eite<\/strong>\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u010dlenovia rodiny si vedia <strong>navz\u00e1jom poradi\u0165<\/strong> \u010do ako v banke funguje, ako sa pracuje s internet bankingom, pr\u00edpadne smart bankingom a podobne<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">o to d\u00f4le\u017eitej\u0161ie je zvoli\u0165 si spr\u00e1vnu banku, preto\u017ee ak m\u00e1 rodina v danej banke 3 &#8211; 4 \u00fa\u010dty, tak sa v\u00fdhodnos\u0165 alebo nev\u00fdhodnos\u0165 danej banky e\u0161te n\u00e1sob\u00ed<\/span><\/li>\n<\/ul>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Niektor\u00e9 banky poskytuj\u00fa pre man\u017eelov alebo in\u00fdch rodinn\u00fdch pr\u00edslu\u0161n\u00edkov extra z\u013eavy &#8211; napr\u00edklad vedenie \u00fa\u010dtu pre man\u017eela\/man\u017eelku bez poplatku alebo s 50 % z\u013eavou.<\/span><\/p>\n<h2><\/h2>\n<h2><span style=\"color: #ec8124;\"><b>\u013dudia \u010dasto menia banku kv\u00f4li hypot\u00e9ke<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">M\u00e1lokedy sa st\u00e1va, \u017ee by \u013eudia menili svoju banku len tak. Je to najm\u00e4 kv\u00f4li zvyku a pohodlnosti. Nechce sa im pr\u00e1cne <a href=\"https:\/\/www.fingo.sk\/blog\/ktora-banka-je-najlepsia-porovnali-sme-pre-vas-ucty\/\">porovn\u00e1va\u0165 poplatky<\/a> a podmienky \u00fa\u010dtov, hoci by im rozdiel v spr\u00e1vnom v\u00fdbere banky mohol prinies\u0165 aj \u00fasporu 150 \u20ac ro\u010dne.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Naj\u010dastej\u0161ie k zmene \u00fa\u010dtu doch\u00e1dza pri rie\u0161en\u00ed \u00faverov\u00fdch produktov, <\/span>najm\u00e4 ak si<b> \u010dlovek berie <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">hypot\u00e9ku<\/a><\/b><span style=\"font-weight: 400;\">. Ak si popri nej v banke \u201cdobrovo\u013ene\u201d zalo\u017e\u00ed aj \u00fa\u010det, ve\u013eakr\u00e1t tak z\u00edska v\u00fdhodnej\u0161ie podmienky \u00faveru, z\u013eavu z \u00farokovej sadzby alebo mu banka odpust\u00ed poplatok za vybavenie \u00faveru.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Ak chcete vedie\u0165, ako m\u00f4\u017eete plati\u0165 menej nielen za \u00fa\u010det, ale aj <a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\">za hypot\u00e9ku \u010di spotrebn\u00fd \u00faver<\/a>, na\u0161i sk\u00fasen\u00ed sprostredkovatelia <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a> v\u00e1m s t\u00fdm radi pom\u00f4\u017eu.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/refinancovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=refi_gif\"><img decoding=\"async\" class=\"aligncenter wp-image-5451 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/fingo-kalkulacka-refinancovanie-hypoteky.gif\" alt=\"Fingo.sk refinancovanie hypot\u00e9ky kalkula\u010dka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Na\u0161ich makl\u00e9rov n\u00e1jdete na celom Slovensku, ale m\u00f4\u017eete sa s nami spoji\u0165 aj telefonicky alebo online. Ak\u00a0n\u00e1m zanech\u00e1te svoje <span style=\"color: #ec8124;\">kontaktn\u00e9 \u00fadaje,<\/span>\u00a0na\u0161e call centrum sa v\u00e1m \u010doskoro ozve.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o2\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2921#wpcf7-f2236-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o2\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Viacer\u00e9 banky od marca zv\u00fd\u0161ili poplatky pre klientov a \u010fal\u0161ie zdra\u017eovanie v sadzobn\u00edkoch ohl\u00e1sili aj od m\u00e1ja a j\u00fana. Zd\u00e1 sa v\u00e1m, \u017ee plat\u00edte za svoj \u00fa\u010det prive\u013ea pe\u0148az\u00ed? Pre\u010d\u00edtajte si nieko\u013eko praktick\u00fdch r\u00e1d, ako m\u00f4\u017eete bankov\u00e9 poplatky minimalizova\u0165 alebo sa im aj \u00faplne vyhn\u00fa\u0165. Pri efekt\u00edvnom vyu\u017e\u00edvan\u00ed \u00fa\u010dtu takto u\u0161etr\u00edte aj desiatky eur.\u00a0 V \u010dl\u00e1nku sa do\u010d\u00edtate: 10 r\u00e1d, ako m\u00f4\u017eete u\u0161etri\u0165 na bankov\u00fdch poplatkoch Ako \u010dasto menia banky svoje sadzobn\u00edky a kde ich n\u00e1jdete Pre\u010do m\u00f4\u017ee by\u0165 v\u00fdhodn\u00e9, ak m\u00e1 v jednej banke \u00fa\u010det cel\u00e1 rodina Kedy naj\u010dastej\u0161ie \u013eudia menia svoj \u00fa\u010det a pre\u010do sa oplat\u00ed poradi\u0165 s odborn\u00edkom 10 r\u00e1d, ako m\u00f4\u017eete u\u0161etri\u0165 v banke 1.\u00a0Vyhnite sa v\u00fdberom z bankomatov in\u00fdch b\u00e1nk, pokia\u013e m\u00e1 va\u0161a banka vlastn\u00fa sie\u0165 bankomatov. 2.\u00a0Minimalizujte \u00fakony zad\u00e1van\u00e9 cez pobo\u010dku &#8211; napr\u00edklad vklady, v\u00fdbery hotovosti alebo zad\u00e1vanie prevodn\u00fdch pr\u00edkazov. 3. Nau\u010dte sa vyu\u017e\u00edva\u0165 internet banking a smart banking &#8211; platby tak rob\u00edte zv\u00e4\u010d\u0161a \u00faplne bez poplatku. 4. Aktivujte si zasielanie elektronick\u00fdch v\u00fdpisov na e-mail alebo do internet bankingu. 5. Overte si, \u010di neplat\u00edte za SMS notifik\u00e1cie o pohyboch na \u00fa\u010dte &#8211; ve\u013ea b\u00e1nk ich spoplatnilo a zadarmo s\u00fa len od ur\u010ditej sumy. 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