{"id":9846,"date":"2025-02-11T15:24:37","date_gmt":"2025-02-11T14:24:37","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=9846"},"modified":"2025-02-11T15:24:40","modified_gmt":"2025-02-11T14:24:40","slug":"porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/","title":{"rendered":"Porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov pre rok 2025: Ak\u00e9 v\u00fdhody pon\u00fakaj\u00fa slovensk\u00e9 banky?"},"content":{"rendered":"\n<p><strong>Od 1. apr\u00edla 2025 nadob\u00fada \u00fa\u010dinnos\u0165 nov\u00e1 transak\u010dn\u00e1 da\u0148, ktor\u00e1 ovplyvn\u00ed v\u0161etk\u00fdch podnikate\u013eov vr\u00e1tane \u017eivnostn\u00edkov. T\u00e1to da\u0148 sa vz\u0165ahuje na finan\u010dn\u00e9 transakcie s\u00favisiace s podnikate\u013eskou \u010dinnos\u0165ou, a preto je nevyhnutn\u00e9, aby \u017eivnostn\u00edci mali zriaden\u00fd podnikate\u013esk\u00fd \u00fa\u010det.<\/strong><\/p>\n\n\n\n<p>Mnoh\u00ed \u017eivnostn\u00edci, najm\u00e4 t\u00ed, ktor\u00ed si uplat\u0148uj\u00fa pau\u0161\u00e1lne v\u00fddavky, doteraz na podnikanie vyu\u017e\u00edvali svoje s\u00fakromn\u00e9 \u00fa\u010dty. Ke\u010f\u017ee nemusia evidova\u0165 re\u00e1lne n\u00e1klady spojen\u00e9 s podnikan\u00edm, nevideli d\u00f4vod na vedenie samostatn\u00e9ho \u00fa\u010dtu.<\/p>\n\n\n\n<p>To sa v\u0161ak men\u00ed. Ak e\u0161te nem\u00e1te podnikate\u013esk\u00fd \u00fa\u010det, budete si ho musie\u0165 zalo\u017ei\u0165 najnesk\u00f4r do konca marca 2025. Pod\u013ea odhadu ministerstva financi\u00ed sa t\u00e1to povinnos\u0165 dotkne pribli\u017ene 190-tis\u00edc podnikate\u013eov.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ako funguje transak\u010dn\u00e1 da\u0148?<\/strong><\/h2>\n\n\n\n<p>Transak\u010dn\u00e1 da\u0148 predstavuje nov\u00fd druh dane, ktor\u00fd sa bude uplat\u0148ova\u0165 na finan\u010dn\u00e9 prevody ved\u00face k odp\u00edsaniu pe\u0148az\u00ed z podnikate\u013esk\u00e9ho \u00fa\u010dtu. Uplat\u0148ova\u0165 sa bude nasledovne:<\/p>\n\n\n\n<ul>\n<li><strong>Bezhotovostn\u00e9 platby:<\/strong> Sadzba 0,4 % z ka\u017edej odch\u00e1dzaj\u00facej platby, maxim\u00e1lne v\u0161ak 40 eur na jednu transakciu.<\/li>\n\n\n\n<li><strong>V\u00fdbery hotovosti:<\/strong> Sadzba 0,8 % z vyberanej sumy, bez stanoven\u00e9ho maxim\u00e1lneho limitu.<\/li>\n\n\n\n<li><strong>Pou\u017eitie platobnej karty:<\/strong> Pevn\u00e1 suma 2 eur\u00e1 ro\u010dne za ka\u017ed\u00fa pou\u017eit\u00fa kartu.<\/li>\n<\/ul>\n\n\n\n<p>Da\u0148 bud\u00fa banky automaticky strh\u00e1va\u0165 pri realiz\u00e1cii pr\u00edslu\u0161n\u00fdch transakci\u00ed. Nevz\u0165ahuje sa na \u00fahradu dan\u00ed a&nbsp;odvodov ani na prevod medzi vlastn\u00fdmi \u00fa\u010dtami v&nbsp;r\u00e1mci jednej banky.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Kto si mus\u00ed zalo\u017ei\u0165 podnikate\u013esk\u00fd \u00fa\u010det?<\/strong><\/h2>\n\n\n\n<p>Podnikate\u013esk\u00fd \u00fa\u010det si mus\u00edte zriadi\u0165, ak ste fyzick\u00e1 osoba zap\u00edsan\u00e1 v Obchodnom alebo \u017divnostenskom registri, pr\u00edpadne podnik\u00e1te na z\u00e1klade in\u00e9ho ne\u017e \u017eivnostensk\u00e9ho opr\u00e1vnenia \u2013 napr\u00edklad ako advok\u00e1t, architekt, lek\u00e1r, geodet alebo podnikate\u013e v oblasti po\u013enohospod\u00e1rskej v\u00fdroby.&nbsp;<\/p>\n\n\n\n<p>T\u00e1to povinnos\u0165 sa na v\u00e1s nevz\u0165ahuje, ak vlastn\u00edte investi\u010dn\u00fd byt a m\u00e1te pr\u00edjem z pren\u00e1jmu, pokia\u013e nejde o podnikate\u013esk\u00fa \u010dinnos\u0165. Rovnako nie ste povinn\u00ed zriadi\u0165 si transak\u010dn\u00fd \u00fa\u010det, ak m\u00e1te pr\u00edjmy z autorsk\u00fdch alebo licen\u010dn\u00fdch zml\u00fav a nepodnik\u00e1te.&nbsp;<\/p>\n\n\n\n<p>Ak si t\u00fato povinnos\u0165 nespln\u00edte, <a href=\"https:\/\/www.financnasprava.sk\/sk\/aktualne-dan-clo\/faq\/dan-financne-transakcie\" target=\"_blank\" rel=\"noreferrer noopener\">da\u0148ov\u00fd \u00farad<\/a> v\u00e1m m\u00f4\u017ee ulo\u017ei\u0165 pokutu v rozp\u00e4t\u00ed od 30 do 3 000 eur.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ako zn\u00ed\u017ei\u0165 n\u00e1klady na transak\u010dn\u00fa da\u0148<\/strong><\/h2>\n\n\n\n<p>Ak si uplat\u0148ujete pau\u0161\u00e1lne v\u00fddavky, n\u00e1klady na transak\u010dn\u00fa da\u0148 m\u00f4\u017eete minimalizova\u0165 spr\u00e1vnym nastaven\u00edm bankov\u00fdch \u00fa\u010dtov. Z\u00e1kon toti\u017e nestanovuje transak\u010dn\u00fa da\u0148 pre platby dan\u00ed a&nbsp;odvodov, ani pre bezhotovostn\u00e9 prevody medzi va\u0161imi \u00fa\u010dtami v r\u00e1mci jednej banky.<\/p>\n\n\n\n<p>Po zaplaten\u00ed dane z pr\u00edjmu a odvodov tak m\u00f4\u017eete bez dodato\u010dn\u00fdch poplatkov previes\u0165 svoj podnikate\u013esk\u00fd pr\u00edjem na osobn\u00fd \u00fa\u010det, ak m\u00e1te oba \u00fa\u010dty \u2013 osobn\u00fd aj podnikate\u013esk\u00fd \u2013 veden\u00e9 v tej istej banke. Osobn\u00fd \u00fa\u010det potom vyu\u017eijete na be\u017en\u00e9 v\u00fddavky, ako s\u00fa platby za b\u00fdvanie, slu\u017eby \u010di n\u00e1kupy.<\/p>\n\n\n\n<p><strong>TIP 1:<\/strong> Ak sa chcete vyhn\u00fa\u0165 aj \u0161t\u00e1tnemu poplatku za platobn\u00fa kartu vo v\u00fd\u0161ke dvoch eur ro\u010dne, overte si, \u010di va\u0161a banka pon\u00faka podnikate\u013esk\u00fd \u00fa\u010det bez karty. V takom pr\u00edpade v\u00e1m zostane ako jedin\u00fd dodato\u010dn\u00fd n\u00e1klad mesa\u010dn\u00fd poplatok za vedenie \u00fa\u010dtu.<\/p>\n\n\n\n<p><strong>TIP 2:<\/strong> Nie ste viazan\u00ed hypot\u00e9kou v domovskej banke? Zv\u00e1\u017ete presun svojich \u00fa\u010dtov ku konkurencii s v\u00fdhodnej\u0161\u00edmi podmienkami. V\u00fdber banky s ni\u017e\u0161\u00edmi poplatkami v\u00e1m pom\u00f4\u017ee zn\u00ed\u017ei\u0165 n\u00e1klady na podnikanie na minimum.<\/p>\n\n\n\n<p><strong><em>Ste \u017eivnostn\u00edk a chcete si vzia\u0165 hypotek\u00e1rny \u00faver? <a href=\"https:\/\/www.fingo.sk\/blog\/hypoteka-pre-zivnostnikov\/\">Pre\u010d\u00edtajte si n\u00e1\u0161 blog<\/a> ako na to. D\u00f4le\u017eit\u00e9 inform\u00e1cie sa dozviete aj v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/ako-podnikatelia-dokladuju-prijem-pri-hypoteke-a-co-ak-je-vas-biznis-docasne-ohrozeny\/\">Ako podnikatelia dokladuj\u00fa pr\u00edjem pri hypot\u00e9ke<\/a><\/em><\/strong>.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ako si vybra\u0165 podnikate\u013esk\u00fd \u00fa\u010det?<\/strong><\/h2>\n\n\n\n<p>Pri v\u00fdbere podnikate\u013esk\u00e9ho \u00fa\u010dtu je d\u00f4le\u017eit\u00e9 zv\u00e1\u017ei\u0165 viacero faktorov:<\/p>\n\n\n\n<ol type=\"1\" start=\"1\">\n<li><strong>Transakcie v&nbsp;r\u00e1mci jednej banky<\/strong> \u2013 Prevod medzi osobn\u00fdm a podnikate\u013esk\u00fdm \u00fa\u010dtom toho ist\u00e9ho da\u0148ovn\u00edka v r\u00e1mci jednej banky nie je predmetom transak\u010dnej dane.<\/li>\n\n\n\n<li><strong>Poplatky za vedenie \u00fa\u010dtu<\/strong> \u2013 Niektor\u00e9 banky pon\u00fakaj\u00fa vedenie \u00fa\u010dtu bez poplatku, in\u00e9 maj\u00fa podmienky na jeho z\u013eavnenie alebo odpustenie.<\/li>\n\n\n\n<li><strong>Dostupnos\u0165 bankomatov<\/strong> \u2013 Ak \u010dasto vyber\u00e1te hotovos\u0165, oplat\u00ed sa zv\u00e1\u017ei\u0165 banku so \u0161irokou sie\u0165ou bankomatov alebo bezpoplatkov\u00e9 v\u00fdbery vo v\u0161etk\u00fdch bankomatoch.<\/li>\n\n\n\n<li><strong>Doplnkov\u00e9 slu\u017eby<\/strong> \u2013 Napr\u00edklad internetbanking, mobiln\u00e1 aplik\u00e1cia, platobn\u00e9 karty, mo\u017enos\u0165 zriadenia \u00faveru alebo kontokorentu.<\/li>\n\n\n\n<li><strong>Akcie a benefity<\/strong> \u2013 Mnoho b\u00e1nk pon\u00faka pre nov\u00fdch klientov \u0161peci\u00e1lne bonusy, ako preplatenie transak\u010dnej dane alebo r\u00f4zne finan\u010dn\u00e9 bonusy.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov jednotliv\u00fdch b\u00e1nk<\/strong><\/h2>\n\n\n\n<p>Banky na Slovensku reaguj\u00fa na zavedenie transak\u010dnej dane r\u00f4znymi ponukami pre \u017eivnostn\u00edkov. Ni\u017e\u0161ie uv\u00e1dzame z\u00e1kladn\u00fd preh\u013ead aktu\u00e1lnych pon\u00fak. <\/p>\n\n\n\n<p><em>(ponuky s\u00fa platn\u00e9 k\u00a011. 2. 2025, presn\u00e9 podmienky a slu\u017eby n\u00e1jdete na str\u00e1nkach jednotliv\u00fdch b\u00e1nk):<\/em><\/p>\n\n\n\n<h3><strong>365.bank<\/strong><\/h3>\n\n\n\n<ul>\n<li>V\u00fdhodn\u00fd bal\u00edk -mesa\u010dn\u00fd poplatok 8 eur<\/li>\n\n\n\n<li>Komfortn\u00fd bal\u00edk &#8211; mesa\u010dn\u00fd poplatok 18 eur<\/li>\n\n\n\n<li>Pr\u00e9miov\u00fd bal\u00edk &#8211; mesa\u010dn\u00fd poplatok 40 eur<\/li>\n<\/ul>\n\n\n\n<p>Klienti, ktor\u00ed si k osobn\u00e9mu \u00fa\u010dtu zriadia aj podnikate\u013esk\u00fd \u00fa\u010det, ho v&nbsp;r\u00e1mci aktu\u00e1lnej akcie dostan\u00fa na tri roky bezplatne.<\/p>\n\n\n\n<h3><strong>\u010cSOB<\/strong><\/h3>\n\n\n\n<ul>\n<li>Pre nov\u00fdch klientov s obratom do 2,5 mili\u00f3na eur \u010cSOB pon\u00faka vedenie \u00fa\u010dtu bez poplatku na 24 mesiacov. Nov\u00fdm klientom je ten, kto doteraz nevyu\u017e\u00edval podnikate\u013esk\u00e9 produkty.<\/li>\n\n\n\n<li>Ak sa nezmenia podmienky banky, tak po 24 mesiacoch bud\u00fa ma\u0165 nulov\u00fd&nbsp; poplatok t\u00ed klienti, ktor\u00ed maj\u00fa mesa\u010dn\u00fd kreditn\u00fd obrat aspo\u0148 500 eur.<\/li>\n<\/ul>\n\n\n\n<h3><strong>Fio banka<\/strong><\/h3>\n\n\n\n<ul>\n<li>Bez poplatku za vedenie \u00fa\u010dtu.<\/li>\n\n\n\n<li>Platobn\u00fd styk s bankami v \u010cR \u00faplne zadarmo.<\/li>\n<\/ul>\n\n\n\n<h3><strong>mBank<\/strong><\/h3>\n\n\n\n<ul>\n<li>Bez poplatku za vedenie \u00fa\u010dtu.<\/li>\n\n\n\n<li>Mesa\u010dn\u00fd poplatok za vedenie karty je 0 eur, av\u0161ak len v&nbsp;pr\u00edpade, ak je objem za\u00fa\u010dtovan\u00fdch platieb danou kartou aspo\u0148 70 eur mesa\u010dne, inak je poplatok 1,50 eur.<\/li>\n\n\n\n<li>A\u017e do konca roka 2025 \u010das\u0165 z&nbsp;transak\u010dnej dane uhrad\u00ed banka.<\/li>\n\n\n\n<li>Za ka\u017ed\u00fd mesiac, v ktorom spln\u00ed klient podmienky, dostanete bonus 20 eur (spolu maxim\u00e1lne 100 eur).<\/li>\n<\/ul>\n\n\n\n<h3><strong>Prima banka<\/strong><\/h3>\n\n\n\n<ul>\n<li>Podnikate\u013esk\u00fd \u00fa\u010det bez poplatku, podmienkou je vyu\u017e\u00edvanie osobn\u00e9ho \u00fa\u010dtu.<\/li>\n\n\n\n<li>Zalo\u017eenie podnikate\u013esk\u00e9ho \u00fa\u010dtu na po\u010dkanie, sta\u010d\u00ed len predlo\u017ei\u0165 doklad toto\u017enosti.<\/li>\n<\/ul>\n\n\n\n<h3><strong>Slovensk\u00e1 sporite\u013e\u0148a<\/strong><\/h3>\n\n\n\n<ul>\n<li>Podnikate\u013esk\u00fd \u00fa\u010det nav\u017edy zadarmo.<\/li>\n\n\n\n<li>K podnikate\u013esk\u00e9mu \u00fa\u010dtu osobn\u00fd \u00fa\u010det na tri roky zadarmo.<\/li>\n\n\n\n<li>Odmena 1 % z platieb kartou.<\/li>\n<\/ul>\n\n\n\n<h3><strong>Tatra banka<\/strong><\/h3>\n\n\n\n<ul>\n<li>Prv\u00fdch 36 mesiacov bez poplatku za vedenie \u00fa\u010dtu.<\/li>\n\n\n\n<li>Po uplynut\u00ed tohto obdobia je mo\u017en\u00e9 z\u00edska\u0165 \u00fa\u010det bez poplatku pri mesa\u010dnom obrate minim\u00e1lne 500 eur, inak je poplatok 7 eur mesa\u010dne.<\/li>\n\n\n\n<li>Preplatenie transak\u010dnej dane za rok 2025.<\/li>\n\n\n\n<li>V pr\u00edpade mlad\u00e9ho \u017eivnostn\u00edka je vedenie jeho \u00fa\u010dtu zadarmo do 26. roku \u017eivota.<\/li>\n<\/ul>\n\n\n\n<h3><strong>UniCredit Bank<\/strong><\/h3>\n\n\n\n<ul>\n<li>Vedenie \u00fa\u010dtu je prv\u00fdch 12 mesiacov zadarmo. Po uplynut\u00ed tejto doby je potrebn\u00e9 v pr\u00edpade z\u00e1kladn\u00e9ho \u00fa\u010dtu Business START splni\u0165 podmienku kreditn\u00e9ho obratu v danom mesiaci aspo\u0148 vo v\u00fd\u0161ke 400 eur mesa\u010dne.<\/li>\n\n\n\n<li>Odmena vo v\u00fd\u0161ke 168 eur po splnen\u00ed stanoven\u00fdch podmienok.<\/li>\n<\/ul>\n\n\n\n<h3><strong>V\u00daB banka<\/strong><\/h3>\n\n\n\n<ul>\n<li>Pre za\u010d\u00ednaj\u00facich podnikate\u013eov 100 % z\u013eava z poplatku za vedenie \u00fa\u010dtu na prv\u00fdch 18 mesiacov a&nbsp;k&nbsp;nemu osobn\u00fd \u00fa\u010det na 24 mesiacov zadarmo.<\/li>\n\n\n\n<li>Akcia plat\u00ed len v&nbsp;pr\u00edpade splnenia podmienok stanoven\u00fdch bankou.<\/li>\n<\/ul>\n\n\n\n<p><strong><div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Pom\u00f4\u017eeme v\u00e1m s&nbsp;v\u00fdberom najv\u00fdhodnej\u0161ieho rie\u0161enia<\/strong><\/h2>\n\n\n\n<p>Nezabudnite, \u017ee podnikate\u013esk\u00fd \u00fa\u010det je povinn\u00fd od 1. 4. 2025. Mnoh\u00e9 banky k&nbsp;tomuto d\u00e1tumu ukon\u010dia aj aktu\u00e1lne akcie, preto je v\u00fdhodn\u00e9 zalo\u017ei\u0165 si ho vopred.<\/p>\n\n\n\n<p>Ako \u017eivnostn\u00edk mo\u017eno budete rie\u0161i\u0165 aj hypot\u00e9ku, poistenie \u010di investovanie vo\u013en\u00fdch prostriedkov. Zavolajte n\u00e1m na 0800 60 10 60 alebo n\u00e1m zanechajte va\u0161e kontaktn\u00e9 \u00fadaje vo formul\u00e1ri ni\u017e\u0161ie a my v\u00e1m s t\u00fdm radi pom\u00f4\u017eeme. Kontakty na n\u00e1s n\u00e1jdete aj na <a href=\"https:\/\/www.fingo.sk\/kontakty\">na\u0161om webe<\/a>.<\/p>\n\n\n\n\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\/9846#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\n","protected":false},"excerpt":{"rendered":"<p>Od 1. apr\u00edla 2025 nadob\u00fada \u00fa\u010dinnos\u0165 nov\u00e1 transak\u010dn\u00e1 da\u0148, ktor\u00e1 ovplyvn\u00ed v\u0161etk\u00fdch podnikate\u013eov vr\u00e1tane \u017eivnostn\u00edkov. T\u00e1to da\u0148 sa vz\u0165ahuje na finan\u010dn\u00e9 transakcie s\u00favisiace s podnikate\u013eskou \u010dinnos\u0165ou, a preto je nevyhnutn\u00e9, aby \u017eivnostn\u00edci mali zriaden\u00fd podnikate\u013esk\u00fd \u00fa\u010det. Mnoh\u00ed \u017eivnostn\u00edci, najm\u00e4 t\u00ed, ktor\u00ed si uplat\u0148uj\u00fa pau\u0161\u00e1lne v\u00fddavky, doteraz na podnikanie vyu\u017e\u00edvali svoje s\u00fakromn\u00e9 \u00fa\u010dty. Ke\u010f\u017ee nemusia evidova\u0165 re\u00e1lne n\u00e1klady spojen\u00e9 s podnikan\u00edm, nevideli d\u00f4vod na vedenie samostatn\u00e9ho \u00fa\u010dtu. To sa v\u0161ak men\u00ed. Ak e\u0161te nem\u00e1te podnikate\u013esk\u00fd \u00fa\u010det, budete si ho musie\u0165 zalo\u017ei\u0165 najnesk\u00f4r do konca marca 2025. Pod\u013ea odhadu ministerstva financi\u00ed sa t\u00e1to povinnos\u0165 dotkne pribli\u017ene 190-tis\u00edc podnikate\u013eov. Ako funguje transak\u010dn\u00e1 da\u0148? Transak\u010dn\u00e1 da\u0148 predstavuje nov\u00fd druh dane, ktor\u00fd sa bude uplat\u0148ova\u0165 na finan\u010dn\u00e9 prevody ved\u00face k odp\u00edsaniu pe\u0148az\u00ed z podnikate\u013esk\u00e9ho \u00fa\u010dtu. Uplat\u0148ova\u0165 sa bude nasledovne: Da\u0148 bud\u00fa banky automaticky strh\u00e1va\u0165 pri realiz\u00e1cii pr\u00edslu\u0161n\u00fdch transakci\u00ed. Nevz\u0165ahuje sa na \u00fahradu dan\u00ed a&nbsp;odvodov ani na prevod medzi vlastn\u00fdmi \u00fa\u010dtami v&nbsp;r\u00e1mci jednej banky. Kto si mus\u00ed zalo\u017ei\u0165 podnikate\u013esk\u00fd \u00fa\u010det? Podnikate\u013esk\u00fd \u00fa\u010det si mus\u00edte zriadi\u0165, ak ste fyzick\u00e1 osoba zap\u00edsan\u00e1 v Obchodnom alebo \u017divnostenskom registri, pr\u00edpadne podnik\u00e1te na z\u00e1klade in\u00e9ho ne\u017e \u017eivnostensk\u00e9ho opr\u00e1vnenia \u2013 napr\u00edklad ako advok\u00e1t, architekt, lek\u00e1r, geodet alebo podnikate\u013e v oblasti po\u013enohospod\u00e1rskej v\u00fdroby.&nbsp; T\u00e1to povinnos\u0165 sa na v\u00e1s nevz\u0165ahuje, ak vlastn\u00edte investi\u010dn\u00fd byt [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":9849,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[252,7],"tags":[298,300,299,297],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov pre rok 2025- FinGO.sk<\/title>\n<meta name=\"description\" content=\"Od 1. apr\u00edla 2025 nadob\u00fada \u00fa\u010dinnos\u0165 nov\u00e1 transak\u010dn\u00e1 da\u0148. Pozrite si porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov, ktor\u00e9 pon\u00fakaj\u00fa banky \u017eivnostn\u00edkom.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov pre rok 2025- FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Od 1. apr\u00edla 2025 nadob\u00fada \u00fa\u010dinnos\u0165 nov\u00e1 transak\u010dn\u00e1 da\u0148. Pozrite si porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov, ktor\u00e9 pon\u00fakaj\u00fa banky \u017eivnostn\u00edkom.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-11T14:24:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-11T14:24:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/Porovnanie-podnikatelskych-uctov-pre-zivnostnikov.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"823\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Matej Vanoch\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Matej Vanoch\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/\"},\"author\":{\"name\":\"Matej Vanoch\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/2f845d9b85a16c2156b897f2dc18ac35\"},\"headline\":\"Porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov pre rok 2025: Ak\u00e9 v\u00fdhody pon\u00fakaj\u00fa slovensk\u00e9 banky?\",\"datePublished\":\"2025-02-11T14:24:37+00:00\",\"dateModified\":\"2025-02-11T14:24:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/\"},\"wordCount\":1344,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"banky\",\"be\u017en\u00e9 \u00fa\u010dty\",\"podnikanie\",\"\u017eivnostn\u00edci\"],\"articleSection\":[\"Banky na Slovensku\",\"Fingo rad\u00ed\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/porovnanie-podnikatelskych-uctov-pre-rok-2025-ake-vyhody-ponukaju-slovenske-banky\/\",\"name\":\"Porovnanie podnikate\u013esk\u00fdch \u00fa\u010dtov pre rok 2025- FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2025-02-11T14:24:37+00:00\",\"dateModified\":\"2025-02-11T14:24:40+00:00\",\"description\":\"Od 1. apr\u00edla 2025 nadob\u00fada \u00fa\u010dinnos\u0165 nov\u00e1 transak\u010dn\u00e1 da\u0148. 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