{"id":572,"date":"2019-06-28T19:02:21","date_gmt":"2019-06-28T18:02:21","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=572"},"modified":"2025-11-06T11:31:50","modified_gmt":"2025-11-06T10:31:50","slug":"kontokorent-versus-odlozena-platba","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/kontokorent-versus-odlozena-platba\/","title":{"rendered":"Je pro v\u00e1s kontokorent to prav\u00e9? V\u00edme, co ho m\u016f\u017ee nahradit"},"content":{"rendered":"\n

Kontokorent neboli povolen\u00fd debet je jedn\u00edm z dopl\u0148k\u016f, o kter\u00e9 m\u016f\u017eete roz\u0161\u00ed\u0159it sv\u016fj b\u011b\u017en\u00fd bankovn\u00ed \u00fa\u010det. Jde o \u00fav\u011brov\u00fd produkt s p\u0159edem stanoven\u00fdm finan\u010dn\u00edm limitem, kter\u00fd v\u00e1m ve chv\u00edli, kdy na \u00fa\u010dtu nem\u00e1te dostatek hotovosti, umo\u017en\u00ed \u201ej\u00edt do minusu\u201c<\/strong>. To v\u00e1m sice m\u016f\u017ee v nouzi vytrhnout trn z paty, ale m\u011bjte na mysli, \u017ee kontokorent je bankovn\u00ed produkt jako ka\u017ed\u00fd jin\u00fd. To v p\u0159ekladu znamen\u00e1, \u017ee na n\u011bm banka pot\u0159ebuje vyd\u011blat.<\/p>\n\n\n\n

V\u00fdhody kontokorentu<\/strong><\/h2>\n\n\n\n

V\u00fdhodou kontokorentu je, \u017ee p\u0159edstavuje st\u00e1lou finan\u010dn\u00ed rezervu pro p\u0159\u00edpady nenad\u00e1l\u00fdch v\u00fddaj\u016f nebo kr\u00e1tkodob\u00e9ho v\u00fdpadku p\u0159\u00edjm\u016f. Pen\u00edze m\u016f\u017eete \u010derpat prakticky okam\u017eit\u011b <\/strong>prost\u0159ednictv\u00edm platby kartou nebo v\u00fdb\u011bru z bankomatu, ale stejn\u011b tak lze povolen\u00fd debet vyu\u017e\u00edt i pro platebn\u00ed p\u0159\u00edkaz v r\u00e1mci internetov\u00e9ho nebo mobiln\u00edho bankovnictv\u00ed. <\/p>\n\n\n\n

Zapomn\u011btliv\u00ed lid\u00e9 tak\u00e9 uv\u00edtaj\u00ed, \u017ee nen\u00ed t\u0159eba hl\u00eddat term\u00edn spl\u00e1tky<\/a> dluhu. Kontokorent se toti\u017e spl\u00e1c\u00ed automaticky \u2013 dluh se \u201estrhne\u201c z va\u0161ich p\u0159\u00edchoz\u00edch plateb. \u00da\u010det lze p\u0159e\u010derpat opakovan\u011b a v z\u00e1porn\u00fdch \u010d\u00edslech se m\u016f\u017eete pohybovat n\u011bkolik m\u011bs\u00edc\u016f.  V\u011bt\u0161ina bank ale po\u017eaduje, abyste se zp\u011bt do plusu dostali v pr\u016fb\u011bhu jednoho roku<\/strong>.<\/p>\n\n\n

\n
\"Kontokorent,
Zasko\u010dily v\u00e1s ne\u010dekan\u00e9 v\u00fddaje<\/a>? Nesmutn\u011bte, ka\u017ed\u00e1 situace m\u00e1 \u0159e\u0161en\u00ed.<\/figcaption><\/figure>\n<\/div>\n\n\n

Nev\u00fdhody kontokorentu<\/strong><\/h2>\n\n\n\n

Povolen\u00fd debet je p\u0159\u00edbuzn\u00fd kreditn\u00ed karty \u2013 s ob\u011bma produkty se m\u016f\u017eete velmi snadno a rychle dostat k pen\u011bz\u016fm, ani\u017e byste museli \u017e\u00e1dat o klasickou p\u016fj\u010dku. A pr\u00e1v\u011b proto kontokorent i kreditka<\/a> vy\u017eaduj\u00ed opatrn\u00e9 a rozv\u00e1\u017en\u00e9 zach\u00e1zen\u00ed<\/strong>.<\/p>\n\n\n\n

Banka v\u00e1m sice ochotn\u011b p\u016fj\u010d\u00ed, ale dlu\u017enou \u010d\u00e1stku nezapomene zat\u00ed\u017eit \u00farokovou sazbou, kter\u00e1 je v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e u tradi\u010dn\u00edch \u00fav\u011br\u016f (b\u011b\u017en\u011b i kolem 20 %). Finan\u010dn\u00ed injekce se tak m\u016f\u017ee dost prodra\u017eit<\/strong> a krom\u011b toho se na ni mohou v\u00e1zat dal\u0161\u00ed poplatky, kter\u00e9 sice banka p\u0159ed klienty nesm\u00ed tajit, ale z\u00e1rove\u0148 se jimi p\u0159\u00edli\u0161 nechlub\u00ed, nap\u0159. poplatek za z\u0159\u00edzen\u00ed a veden\u00ed kontokorentu.<\/p>\n\n\n\n

Existuje i bezplatn\u00e1 cesta<\/strong><\/h2>\n\n\n\n

Pokud se nechcete pou\u0161t\u011bt do bankovn\u00edho dobrodru\u017estv\u00ed, m\u016f\u017eete na to j\u00edt jinak a p\u0159i n\u00e1kupech ve vybran\u00fdch e-shopech<\/a> vyu\u017e\u00edt takzvanou odlo\u017eenou platbu<\/a>. I kdy\u017e jde v \u010desk\u00e9m prost\u0159ed\u00ed o relativn\u00ed novinku, jej\u00ed popularita pomalu, ale jist\u011b roste<\/strong>. \u0160et\u0159\u00ed toti\u017e lidem \u010das, nervy i pen\u00edze.<\/p>\n\n\n

\n
\"Nakupte
Vyluxovan\u00fd \u00fa\u010det? Vyzkou\u0161ejte odlo\u017eenou platbu.<\/figcaption><\/figure>\n<\/div>\n\n\n

O co jde? Odlo\u017een\u00e1 platba v\u00e1m umo\u017en\u00ed posunout si platbu a\u017e o 30 dn\u00ed<\/strong>. N\u00e1kup si tak m\u016f\u017eete doma v klidu prohl\u00e9dnout, osahat, vyzkou\u0161et a otestovat \u2013 zkr\u00e1tka zjistit, jak v\u00e1m objednan\u00e9 zbo\u017e\u00ed sedne. Ve dvout\u00fddenn\u00ed lh\u016ft\u011b pak zaplat\u00edte pouze za zbo\u017e\u00ed, se kter\u00fdm budete spokojeni a rozhodnete si ho ponechat. Kdy\u017e se s n\u011b\u010d\u00edm netref\u00edte, jednodu\u0161e to po\u0161lete zp\u011bt.<\/p>\n\n\n

TIP!<\/div>
Pod\u00edvejte se na seznam obchod\u016f<\/a><\/b>, v nich\u017e aktu\u00e1ln\u011b m\u016f\u017eete odlo\u017eenou platbu vyu\u017e\u00edt.<\/div><\/div>\n\n\n\n

Krom\u011b toho, \u017ee syst\u00e9m \u201enakup te\u010f, zapla\u0165 a\u017e po vyzkou\u0161en\u00ed\u201c zp\u0159\u00edjemn\u00ed \u017eivot t\u011bm, kte\u0159\u00ed neradi obch\u00e1zej\u00ed kamenn\u00e9 obchody a necht\u011bj\u00ed se t\u00edsnit ve zku\u0161ebn\u00edch kabink\u00e1ch, m\u016f\u017ee se hodit tak\u00e9 ve chv\u00edl\u00edch, kdy n\u011bco pot\u0159ebujete nutn\u011b koupit, ale do v\u00fdplaty je je\u0161t\u011b daleko<\/strong>. Sta\u010d\u00ed n\u00e1kup na\u010dasovat tak, aby datum platby p\u0159ipadl na den, kdy u\u017e m\u00edv\u00e1te pen\u00edze na \u00fa\u010dtu. Pokud se s placen\u00edm nezpozd\u00edte, je slu\u017eba narozd\u00edl od kontokorentu zcela zdarma<\/a>.<\/p>\n\n\n\n

Jste zapomn\u011btliv\u00ed? Abyste se vyhnuli p\u0159\u00edpadn\u00fdm nep\u0159\u00edjemnostem, na bl\u00ed\u017e\u00edc\u00ed se splatnost v\u00e1s opakovan\u011b a s dostate\u010dn\u00fdm p\u0159edstihem upozorn\u00ed n\u011bkolik e-mail\u016f a SMS zpr\u00e1v,<\/strong> tak\u017ee je skoro nemo\u017en\u00e9 zapomenout. Co kdy\u017e se s platbou i v takov\u00e9m p\u0159\u00edpad\u011b opozd\u00edte? Pak v\u00e1s \u010dek\u00e1 \u00fahrada administrativn\u00edch poplatk\u016f, jejich\u017e v\u00fd\u0161e je sp\u00ed\u0161e v\u00fdchovn\u00e1 ne\u017e likvida\u010dn\u00ed. Cel\u00fd syst\u00e9m je zkr\u00e1tka vytvo\u0159en tak, aby lidem skute\u010dn\u011b pom\u00e1hal, ne \u0161kodil. <\/p>\n","protected":false},"excerpt":{"rendered":"

Mo\u017en\u00e1 jste se i vy n\u011bkdy ocitli v situaci, kdy v\u00e1m ne\u010dekan\u00e9 v\u00fddaje nebo nep\u0159edv\u00eddateln\u00e9 \u017eivotn\u00ed kotrmelce doslova ud\u011blaly \u010d\u00e1ru p\u0159es rozpo\u010det, a tak v\u00e1s z pot\u00ed\u017e\u00ed vyt\u00e1hla mo\u017enost p\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu. I kdy\u017e se m\u016f\u017ee zd\u00e1t, \u017ee jste prost\u0159ednictv\u00edm kontokorentu vlastn\u011b p\u016fj\u010dili pen\u00edze sami sob\u011b, pravda je takov\u00e1, \u017ee z n\u011bj nejv\u00edc profituje banka. Jak to vlastn\u011b cel\u00e9 funguje? A \u010d\u00edm m\u016f\u017eete kontokorent nahradit?<\/p>\n","protected":false},"author":6,"featured_media":570,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,21],"class_list":["post-572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-platebni-metody","entry"],"acf":[],"yoast_head":"\nJe pro v\u00e1s kontokorent to prav\u00e9? V\u00edme, \u010d\u00edm ho nahradit | Skip Pay<\/title>\n<meta name=\"description\" content=\"Kontokorent v\u00e1m pom\u016f\u017ee s ne\u010dekan\u00fdmi v\u00fddaje. Ale pokud si nechcete p\u016fj\u010dovat od banky, m\u016f\u017eete vyu\u017e\u00edt odlo\u017eenou platbu, kter\u00e1 je zdarma.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/kontokorent-versus-odlozena-platba\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Je pro v\u00e1s kontokorent to prav\u00e9? V\u00edme, \u010d\u00edm ho nahradit | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Kontokorent v\u00e1m pom\u016f\u017ee s ne\u010dekan\u00fdmi v\u00fddaje. Ale pokud si nechcete p\u016fj\u010dovat od banky, m\u016f\u017eete vyu\u017e\u00edt odlo\u017eenou platbu, kter\u00e1 je zdarma.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/kontokorent-versus-odlozena-platba\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-28T18:02:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-06T10:31:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/06\/rsz_allef-vinicius-6ypomtnk2fa-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2592\" \/>\n\t<meta property=\"og:image:height\" content=\"1728\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kontokorent-versus-odlozena-platba\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/kontokorent-versus-odlozena-platba\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Je pro v\u00e1s kontokorent to prav\u00e9? 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