{"id":305,"date":"2018-09-23T00:00:18","date_gmt":"2018-09-22T22:00:18","guid":{"rendered":"https:\/\/filozofia.nett.to\/krestanstvo\/2018\/09\/23\/ekonomicke-vyhody-europskej-unie\/"},"modified":"2026-02-01T14:20:56","modified_gmt":"2026-02-01T13:20:56","slug":"ekonomicke-vyhody-europskej-unie","status":"publish","type":"post","link":"https:\/\/filozofia.nett.to\/politika\/sk\/ekonomicke-vyhody-europskej-unie\/","title":{"rendered":"EU zn\u00ed\u017eila poplatky za platbu kartou o 10 kr\u00e1t. Ekonomick\u00e9 v\u00fdhody Eur\u00f3pskej \u00fanie"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/filozofia.nett.to\/politika\/sk\/ekonomicke-vyhody-europskej-unie\/#EU_10_nasobne_znizila_poplatky_za_platbu_kartou\" >EU 10 n\u00e1sobne zn\u00ed\u017eila poplatky za platbu kartou<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/filozofia.nett.to\/politika\/sk\/ekonomicke-vyhody-europskej-unie\/#SEPA_prevody\" >SEPA prevody<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/filozofia.nett.to\/politika\/sk\/ekonomicke-vyhody-europskej-unie\/#Co_je_to_SWIFT\" >\u010co je to SWIFT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/filozofia.nett.to\/politika\/sk\/ekonomicke-vyhody-europskej-unie\/#BIC_kod_vs_SWIFT_kod\" >BIC k\u00f3d vs SWIFT k\u00f3d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/filozofia.nett.to\/politika\/sk\/ekonomicke-vyhody-europskej-unie\/#TTIP_vs_SWIFT\" >TTIP vs SWIFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/filozofia.nett.to\/politika\/sk\/ekonomicke-vyhody-europskej-unie\/#Zdrojove_odkazy\" >Zdrojov\u00e9 odkazy:<\/a><\/li><\/ul><\/nav><\/div>\n<p>\u010cloveku je a\u017e na zvracanie ke\u010f po\u010duje rozvratn\u00fa Kreme\u013esk\u00fa propagandu, ktor\u00e9 \u0161\u00edria takzvan\u00e9. \u201eprorusk\u00e9\u201c weby a internetov\u00e9 r\u00e1dia, \u017ee ak\u00e1 bude pre n\u00e1s ekonomick\u00e1 sp\u00e1sa a ako sa n\u00e1m ekonomicky \u00fa\u017easne za\u010dne dari\u0165 ak vyst\u00fapime s EU.\n<br \/>Je pre m\u0148a tie\u017e ve\u013emi depres\u00edvne, \u017ee ani takzvan\u00e9 mainstreamov\u00e9 m\u00e9dia t\u00fato vec \u013eu\u010fom nevysvetlia ak\u00e9 ve\u013ek\u00e9 ekonomick\u00e9 v\u00fdhody n\u00e1m EU prin\u00e1\u0161a. Za tak\u00fdchto okolnost\u00ed, kedy je dezinform\u00e1cia a propaganda silnej\u0161ia ako fakty by pr\u00edpadn\u00e9 referendum o zotrvan\u00ed EU mohlo dopadn\u00fa\u0165 ve\u013emi kontroverzne.<br \/><br \/><h2><span class=\"ez-toc-section\" id=\"EU_10_nasobne_znizila_poplatky_za_platbu_kartou\"><\/span><strong>EU 10 n\u00e1sobne zn\u00ed\u017eila poplatky za platbu kartou<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>K\u00fdm v USA a celom svete je priemern\u00fd poplatok za platbu kartou 2%, EU vydala smernicu, ktor\u00e1 tento poplatok zn\u00ed\u017eila na 0,2%.\n<br \/>Vyst\u00fapenie z EU by pre n\u00e1s znamenalo to, \u017ee poplatky za platobn\u00e9 karty n\u00e1m st\u00fapnu na priemerne 2 %. Je nere\u00e1lne aby tak mal\u00fd a bezv\u00fdznamn\u00fd a skorumpovan\u00fd \u0161t\u00e1t ako Slovensko bol schopn\u00fd vyjedna\u0165 u tak ve\u013ek\u00fdch americk\u00fdch korpor\u00e1cii ni\u017e\u0161\u00ed poplatok. Ak by aj Slovensk\u00e1 vl\u00e1da vydala z\u00e1kon na zn\u00ed\u017eenie poplatkov, americk\u00e9 spolo\u010dnosti ako VISA, MasterCard, Maestro m\u00f4\u017eu trucova\u0165, Slovensko vydiera\u0165 a \u00faplne sa stiahnu\u0165 so Slovensk\u00e9ho trhu, \u010do by n\u00e1s ekonomicky ve\u013emi v\u00e1\u017ene po\u0161kodilo. EU nie je mo\u017en\u00e9 tak\u00fdmto sp\u00f4sobom vydiera\u0165 preto\u017ee EU je pr\u00edli\u0161 ve\u013ek\u00e1 a stiahnutie z trhu by tieto spolo\u010dnosti ekonomicky po\u0161kodili.\n<br \/>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No nech sa p\u00e1\u010di: nad\u00e1vajme na zl\u00fa Eur\u00f3psku \u00faniu, ktor\u00e1 zredukovala \u00fa\u017eern\u00e9 poplatky ve\u013ek\u00fdch finan\u010dn\u00fdch korpor\u00e1cii a tak aj stimulovala ekonomiku v EU.<br \/><br \/><h2><span class=\"ez-toc-section\" id=\"SEPA_prevody\"><\/span><strong>SEPA prevody<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>M\u00e1lokto v\u00f4bec vie \u010do s\u00fa to vlastne SEPA prevody a ak\u00e9 obrovsk\u00e9 ekonomick\u00e9 v\u00fdhody n\u00e1m prin\u00e1\u0161aj\u00fa. SEPA prevod je bu\u010f zadarmo alebo jeho cena je cca 20 centov a poplatok za\u0148 je v celej EU rovnak\u00fd. Definit\u00edvne dokon\u010denie transakcie je do dvoch pracovn\u00fdch dn\u00ed.\n<br \/>Takmer nikto ale nevie \u010do by nastalo ak by sme vyst\u00fapili z EU a zbavili sa SEPA prevodov. SEPA prevody by boli nahraden\u00e9 prevodmi platobn\u00e9ho syst\u00e9mu monopolnej korpor\u00e1cie SWIFT. Probl\u00e9m SWIFTu s\u00fa hlavne ve\u013emi vysok\u00e9 poplatky ktor\u00e9 sa pohybuj\u00fa cca od 10 do 50 EUR. Pre mnoh\u00fdch podnikate\u013eov by tak\u00e9to poplatky mohli by\u0165 likvida\u010dn\u00e9. Predstavte si, \u017ee by sme neboli s\u00fa\u010das\u0165ou EU a z\u00e1kazn\u00edk z Rak\u00faska si objedn\u00e1 s eshopu tovar za 10 EUR, ale za SEPA prevod zaplat\u00ed \u010fal\u0161\u00edch 10 EUR.<br \/><br \/><h2><span class=\"ez-toc-section\" id=\"Co_je_to_SWIFT\"><\/span><strong>\u010co je to SWIFT?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>SWIFT je s\u00fakromn\u00e1 firma so s\u00eddlom v Belgicku. Pod\u013ea \u00faplne ofici\u00e1lnej defin\u00edcie SWIFT je komunika\u010dn\u00e1 sie\u0165, ktor\u00e1 zabezpe\u010duje transakcie medzi bankami po celom svete. V skuto\u010dnosti je SWIFT presnej\u0161ie povedan\u00e9 celosvetov\u00fd platobn\u00fd syst\u00e9m. Firma SWIFT je monopol a nem\u00e1 vo svete konkurenciu. To je mo\u017eno aj d\u00f4vod pre\u010do s\u00fa slu\u017eby tejto firmy predra\u017een\u00e9 a platby m\u00f4\u017eu trva\u0165 aj 3 a\u017e5 pracovn\u00fdch dn\u00ed. Najdrah\u0161ie poplatky za platbu SWIFTu s\u00fa z a do USA. Platba z EU do USA v\u00e1s v\u00edde minim\u00e1lne 10 EUR od dom\u00e1cej Slovenskej banky + 25 americk\u00fdch dol\u00e1rov poplatky od tzv. kore\u0161ponden\u010dn\u00fdch b\u00e1nk so strany USA. Platba z USA do EU je viacmenej fixn\u00e1 a stoj\u00ed 60 americk\u00fdch dol\u00e1rov.\n<br \/>A e\u0161te jedna zauj\u00edmavos\u0165: Donald Trump chcel Ir\u00e1n ekonomicky zni\u010di\u0165 odpojen\u00edm od SWIFTu, av\u0161ak nepodarilo sa mu to, nako\u013eko SWIFT je belgick\u00e1 Eur\u00f3pska spolo\u010dnos\u0165. Trump tie\u017e zva\u017eoval, \u017ee udel\u00ed spolo\u010dnosti SWIFT obrovsk\u00fa pokutu, av\u0161ak tento krok sa uk\u00e1zal ako nere\u00e1lny, nako\u013eko SWIFT je monopol a SWIFT \u0165ah\u00e1 v tomto konflikte za dlh\u0161\u00ed koniec a m\u00f4\u017ee vydiera\u0165 Spojen\u00e9 \u0161t\u00e1ty. Firma SWIFT by mohla ekonomicky Spojen\u00e9 \u0161t\u00e1ty \u00faplne zruinova\u0165, ak by ich odpojila od medzin\u00e1rodn\u00fdch transakci\u00ed.<br \/><br \/><h2><span class=\"ez-toc-section\" id=\"BIC_kod_vs_SWIFT_kod\"><\/span><strong>BIC k\u00f3d vs SWIFT k\u00f3d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>SWIFT je a\u017e tak vplyvn\u00fd monopol, \u017ee tzv. SWIFT k\u00f3d, SWIFTov\u00e9 ozna\u010denie pre jednotliv\u00e9 banky sa stalo aj medzin\u00e1rodn\u00fdm \u0161tandardom prijat\u00fdm organiz\u00e1ciou ISO, International Organization for Standardization.\n<br \/>SWIFT k\u00f3d sa tie\u017e vyp\u013a\u0148a aj pri transakci\u00e1ch medzi SEPA krajinami, \u010do sa m\u00f4\u017eu \u013eudia mylne domnieva\u0165, \u017ee to m\u00e1 nie\u010do spolo\u010dn\u00e9 s firmou SWIFT. V pr\u00edpade SEPA prevodu je presnej\u0161ie pomenovanie pre SWIFT k\u00f3d BIC k\u00f3d, Bank Identifier Code.<br \/><br \/><h2><span class=\"ez-toc-section\" id=\"TTIP_vs_SWIFT\"><\/span><strong>TTIP vs SWIFT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>Dohoda o spolo\u010dnom trhu EU a USA je opraden\u00e1 mnoh\u00fdmi kon\u0161pir\u00e1ciami, mnoh\u00ed \u013eudia za t\u00fdm vidia spol\u010denie temn\u00fdch s\u00edl, Slobodomur\u00e1rov \u010di \u017didov. Faktom ale je, \u017ee pre oboje strany by to bolo ekonomicky v\u00fdhodn\u00e9 u\u017e len z d\u00f4vodu poklesu poplatkov za transakcie a skr\u00e1tenie d\u013a\u017eky transakci\u00ed medzi EU a USA. Oboje strany by z toho profitovali.<br \/><br \/>Americk\u00e1 alternat\u00edva k SEPA prevodom je ACH prevod\n<br \/><a href=\"https:\/\/en.wikipedia.org\/wiki\/Automated_Clearing_House\" target=\"_blank\" rel=\"noopener\">https:\/\/en.wikipedia.org\/wiki\/Automated_Clearing_House<\/a><br \/><br \/><h2><span class=\"ez-toc-section\" id=\"Zdrojove_odkazy\"><\/span><strong>Zdrojov\u00e9 odkazy:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>Poplatky za platby kartou <a href=\"https:\/\/en.wikipedia.org\/wiki\/Interchange_fee\" target=\"_blank\" rel=\"noopener\">https:\/\/en.wikipedia.org\/wiki\/Interchange_fee<\/a>\n<br \/>SEPA <a href=\"https:\/\/en.wikipedia.org\/wiki\/Single_Euro_Payments_Area\" target=\"_blank\" rel=\"noopener\">https:\/\/en.wikipedia.org\/wiki\/Single_Euro_Payments_Area<\/a>\n<br \/>TTIP <a href=\"https:\/\/en.wikipedia.org\/wiki\/Transatlantic_Trade_and_Investment_Partnership\" target=\"_blank\" rel=\"noopener\">https:\/\/en.wikipedia.org\/wiki\/Transatlantic_Trade_and_Investment_Partnership<\/a>\n<br \/>SWIFT <a href=\"https:\/\/en.wikipedia.org\/wiki\/Society_for_Worldwide_Interbank_Financial_Telecommunication\" target=\"_blank\" rel=\"noopener\">https:\/\/en.wikipedia.org\/wiki\/Society_for_Worldwide_Interbank_Financial_Telecommunication<\/a>\n<br \/><a href=\"https:\/\/en.wikipedia.org\/wiki\/BIC_code\" target=\"_blank\" rel=\"noopener\">https:\/\/en.wikipedia.org\/wiki\/BIC_code<\/a>\n<br \/>Rozdiel medzi ACH prevodom a Wire Transfer v USA. Pri Wire Transfer ide o transakciu cez platobn\u00fd syst\u00e9m spolo\u010dnosti SWIFT <a href=\"https:\/\/www.thebalance.com\/ach-vs-wire-transfer-3886077\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/ach-vs-wire-transfer-3886077<\/a>\n<br \/><a href=\"https:\/\/www.nacha.org\/news\/what-ach-quick-facts-about-automated-clearing-house-ach-network\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nacha.org\/news\/what-ach-quick-facts-about-automated-clearing-house-ach-network<\/a><br \/><br \/><\/p>","protected":false},"excerpt":{"rendered":"\u010cloveku je a\u017e na zvracanie ke\u010f po\u010duje rozvratn\u00fa Kreme\u013esk\u00fa propagandu, ktor\u00e9 \u0161\u00edria takzvan\u00e9. \u201eprorusk\u00e9\u201c weby a internetov\u00e9 r\u00e1dia, \u017ee ak\u00e1 bude pre n\u00e1s ekonomick\u00e1 sp\u00e1sa a ako sa n\u00e1m ekonomicky \u00fa\u017easne za\u010dne dari\u0165 ak vyst\u00fapime s EU.\nJe pre m\u0148a tie\u017e ve\u013emi depres\u00edvne, \u017ee ani takzvan\u00e9 mainstreamov\u00e9 m\u00e9dia t\u00fato vec \u013eu\u010fom nevysvetlia ak\u00e9 ve\u013ek\u00e9 ekonomick\u00e9 v\u00fdhody n\u00e1m EU prin\u00e1\u0161a. Za tak\u00fdchto okolnost\u00ed, kedy je dezinform\u00e1cia a propaganda silnej\u0161ia ako fakty by pr\u00edpadn\u00e9 referendum o zotrvan\u00ed EU mohlo dopadn\u00fa\u0165 ve\u013emi kontroverzne.","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-305","post","type-post","status-publish","format-standard","hentry","category-politika"],"_links":{"self":[{"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/posts\/305","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/comments?post=305"}],"version-history":[{"count":0,"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/posts\/305\/revisions"}],"wp:attachment":[{"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/media?parent=305"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/categories?post=305"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/filozofia.nett.to\/politika\/wp-json\/wp\/v2\/tags?post=305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}