{"id":1228432,"date":"2025-02-16T00:40:52","date_gmt":"2025-02-15T23:40:52","guid":{"rendered":"https:\/\/robin.jobs\/cz\/?p=1228432"},"modified":"2026-02-08T11:24:51","modified_gmt":"2026-02-08T10:24:51","slug":"nejlepsi-banky-v-nizozemsku","status":"publish","type":"post","link":"https:\/\/robin.jobs\/cz\/pracovat-v-zahranici\/nejlepsi-banky-v-nizozemsku","title":{"rendered":"Nejlep\u0161\u00ed banky pro cizince v Nizozemsku"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Nizozemsko m\u00e1 prosperuj\u00edc\u00ed bankovn\u00ed sektor, kter\u00fd se vyzna\u010duje intenzivn\u00ed konkurenc\u00ed mezi r\u016fzn\u00fdmi institucemi. Jednotlivci i firmy maj\u00ed k dispozici spoustu mo\u017enost\u00ed, jak uspokojit nejr\u016fzn\u011bj\u0161\u00ed finan\u010dn\u00ed pot\u0159eby. P\u0159i takov\u00e9m mno\u017estv\u00ed mo\u017enost\u00ed je v\u0161ak t\u0159eba v\u00fdb\u011br spr\u00e1vn\u00e9 banky pe\u010dliv\u011b zv\u00e1\u017eit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V tomto \u010dl\u00e1nku se budeme zab\u00fdvat kl\u00ed\u010dov\u00fdmi faktory, kter\u00e9 je t\u0159eba m\u00edt na pam\u011bti, v\u010detn\u011b v\u00fdznamu digit\u00e1ln\u00edho bankovnictv\u00ed, mo\u017en\u00fdch poplatk\u016f spojen\u00fdch s r\u016fzn\u00fdmi \u00fa\u010dty a celkov\u00fdch hodnot banky. Prozkoum\u00e1n\u00edm t\u011bchto aspekt\u016f v\u00e1s p\u0159iprav\u00edme na to, abyste mohli u\u010dinit informovan\u00e9 rozhodnut\u00ed a vybrat bankovn\u00edho partnera, kter\u00fd dokonale odpov\u00edd\u00e1 va\u0161im finan\u010dn\u00edm c\u00edl\u016fm.<\/span><\/p>\n<h2>Pro\u010d byste si m\u011bli otev\u0159\u00edt nizozemsk\u00fd bankovn\u00ed \u00fa\u010det<\/h2>\n<p><span style=\"font-weight: 400;\">Hled\u00e1n\u00ed ide\u00e1ln\u00ed banky v Nizozemsku pro expaty je jako hled\u00e1n\u00ed dokonal\u00fdch bot &#8211; mus\u00ed dob\u0159e padnout. Banka, kter\u00e1 neodpov\u00edd\u00e1 va\u0161im finan\u010dn\u00edm pot\u0159eb\u00e1m nebo z\u00e1sad\u00e1m, m\u016f\u017ee v\u00e9st k frustraci a zbyte\u010dn\u011b vyhozen\u00fdm pen\u011bz\u016fm. Zde se dozv\u00edte, pro\u010d na v\u00fdb\u011bru spr\u00e1vn\u00e9 banky z\u00e1le\u017e\u00ed:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>R\u016fzn\u00e9 banky maj\u00ed r\u016fzn\u00e9 struktury poplatk\u016f<\/b><span style=\"font-weight: 400;\">. V\u00fdb\u011brem banky s n\u00edzk\u00fdmi nebo \u017e\u00e1dn\u00fdmi m\u011bs\u00ed\u010dn\u00edmi poplatky za veden\u00ed \u00fa\u010dtu, bezplatn\u00fdmi v\u00fdb\u011bry z bankomat\u016f a konkurenceschopn\u00fdmi \u00farokov\u00fdmi sazbami na spo\u0159ic\u00edch \u00fa\u010dtech m\u016f\u017eete u\u0161et\u0159it nemal\u00e9 pen\u00edze do kapsy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maximalizace v\u00fdhod<\/b><span style=\"font-weight: 400;\"> &#8211; Banky nab\u00edzej\u00ed \u0159adu funkc\u00ed, jako jsou n\u00e1stroje pro sestavov\u00e1n\u00ed rozpo\u010dtu, cestovn\u00ed poji\u0161t\u011bn\u00ed, programy odm\u011bn cashback a slevy. Slad\u011bn\u00ed t\u011bchto v\u00fdhod s va\u0161\u00edm \u017eivotn\u00edm stylem m\u016f\u017ee b\u00fdt velkou v\u00fdhodou.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Slad\u011bn\u00ed s hodnotami <\/b><span style=\"font-weight: 400;\">&#8211; N\u011bkter\u00e9 banky up\u0159ednost\u0148uj\u00ed udr\u017eitelnost nebo etick\u00e9 postupy. Pokud jsou pro v\u00e1s tyto hodnoty d\u016fle\u017eit\u00e9, m\u016f\u017eete se p\u0159i v\u00fdb\u011bru banky, kter\u00e1 je zohled\u0148uje, c\u00edtit dob\u0159e a va\u0161e finance mohou b\u00fdt smyslupln\u011bj\u0161\u00ed.<\/span><\/li>\n<\/ul>\n<h2>Nejlep\u0161\u00ed banky pro cizince v Nizozemsku<\/h2>\n<p><picture><source srcset=\"https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-1024x682.jpg.webp 1024w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-300x200.jpg.webp 300w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-768x512.jpg.webp 768w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-669x446.jpg.webp 669w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky.jpg.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-large wp-image-1228435 webpexpress-processed\" src=\"https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-1024x682.jpg\" alt=\"Nejlep\u0161\u00ed Holandsk\u00e9 Banky\" width=\"1024\" height=\"682\" srcset=\"https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-1024x682.jpg 1024w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-300x200.jpg 300w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-768x512.jpg 768w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky-669x446.jpg 669w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/nejlepsi-holandske-banky.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">Pokud jde o bankovnictv\u00ed v Nizozemsku, je zde pestr\u00e1 sm\u011bsice zaveden\u00fdch instituc\u00ed a inovativn\u00edch nov\u00e1\u010dk\u016f. Zde je seznam 5 nejlep\u0161\u00edch bank v Nizozemsku pro cizince.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">ABN Amro<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Jedna z nejv\u011bt\u0161\u00edch nizozemsk\u00fdch bank, <\/span><span style=\"font-weight: 400;\">ABN Amro<\/span><span style=\"font-weight: 400;\">, je zn\u00e1m\u00e1 svou rozs\u00e1hlou s\u00edt\u00ed pobo\u010dek a tradi\u010dn\u00edmi bankovn\u00edmi slu\u017ebami. Nab\u00edz\u00ed r\u016fzn\u00e9 \u00fa\u010dty, hypot\u00e9ky, p\u016fj\u010dky a investi\u010dn\u00ed produkty.<\/span><b> Pokud neovl\u00e1d\u00e1te nizozem\u0161tinu, m\u011bjte na pam\u011bti, \u017ee je to jedin\u00e1 \u201etradi\u010dn\u00ed\u201c nizozemsk\u00e1 banka, kde najdete v\u0161echny informace v angli\u010dtin\u011b. Nav\u00edc jsou jedinou tradi\u010dn\u00ed nizozemskou bankou, kter\u00e1 umo\u017e\u0148uje otev\u0159en\u00ed \u00fa\u010dtu p\u0159ed registrac\u00ed obce a z\u00edsk\u00e1n\u00edm BSN. <\/b><span style=\"font-weight: 400;\">P\u0159ed z\u00edsk\u00e1n\u00edm t\u011bchto dokument\u016f m\u016f\u017eete v bance pracovat a\u017e 90 dn\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Online i mobiln\u00ed bankovnictv\u00ed je zdarma. Standardn\u00ed kreditn\u00ed karta, zlat\u00e1 kreditn\u00ed karta a studentsk\u00e1 kreditn\u00ed karta jsou t\u0159i typy, kter\u00e9 ABN AMRO nab\u00edz\u00ed. Pro p\u0159\u00edpad po\u0161kozen\u00ed nebo ztr\u00e1ty z\u00edsk\u00e1te tak\u00e9 poji\u0161t\u011bn\u00ed podle varianty va\u0161\u00ed kreditn\u00ed karty.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>V\u00fdhody<\/b><\/td>\n<td><b>Nev\u00fdhody<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">V\u0161echny informace jsou k dispozici v angli\u010dtin\u011b<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Velmi n\u00edzk\u00e9 \u00farokov\u00e9 sazby<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rozs\u00e1hl\u00e1 s\u00ed\u0165 pobo\u010dek<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Omezen\u00e9 mo\u017enosti aplikac\u00ed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nejlevn\u011bj\u0161\u00ed tradi\u010dn\u00ed banka\u00a0<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pro studenty zdarma<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Skupina ING<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dal\u0161\u00edm \u010dlenem trojice nejv\u011bt\u0161\u00edch nizozemsk\u00fdch bank je <\/span><span style=\"font-weight: 400;\">ING Group<\/span><span style=\"font-weight: 400;\">. <\/span><b>Je zn\u00e1m\u00e1 svou silnou platformou mobiln\u00edho bankovnictv\u00ed a zam\u011b\u0159en\u00edm na inovace.<\/b><span style=\"font-weight: 400;\"> Nab\u00edzej\u00ed r\u016fzn\u00e9 \u00fa\u010dty, hypot\u00e9ky, p\u016fj\u010dky a investi\u010dn\u00ed produkty s u\u017eivatelsky p\u0159\u00edv\u011btiv\u00fdm online prost\u0159ed\u00edm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Krom\u011b toho, \u017ee maj\u00ed mnoho fyzick\u00fdch pobo\u010dek, lze otev\u0159en\u00ed \u00fa\u010dtu u ING na jednom z jejich m\u00edst vy\u0159\u00eddit za 20 minut, zat\u00edmco u jin\u00fdch nizozemsk\u00fdch bank to trv\u00e1 a\u017e t\u00fdden.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zahrani\u010dn\u00ed absolventi a studenti si mohou otev\u0159\u00edt nizozemsk\u00fd \u00fa\u010det tak\u00e9 p\u0159ed z\u00edsk\u00e1n\u00edm titulu BSN a po n\u011bm.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>V\u00fdhody<\/b><\/td>\n<td><b>Nev\u00fdhody<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Aplikace mobiln\u00edho bankovnictv\u00ed je u\u017eivatelsky p\u0159\u00edv\u011btiv\u00e1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzk\u00e9 \u00farokov\u00e9 sazby pro spo\u0159ic\u00ed \u00fa\u010det<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pro studenty a absolventy zdarma<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ne v\u0161echny informace jsou k dispozici v angli\u010dtin\u011b<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rozs\u00e1hl\u00e1 s\u00ed\u0165 pobo\u010dek<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zkr\u00e1cen\u00ed doby \u010dek\u00e1n\u00ed p\u0159i otev\u00edr\u00e1n\u00ed bankovn\u00edho \u00fa\u010dtu<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Rabobank<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">T\u0159et\u00edm \u010dlenem velk\u00e9 trojky nizozemsk\u00fdch bank je <\/span><span style=\"font-weight: 400;\">Rabobank<\/span><span style=\"font-weight: 400;\">. Zam\u011b\u0159uje se na dru\u017estevn\u00ed bankovnictv\u00ed a udr\u017eiteln\u00fd rozvoj.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rabobank v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed t\u0159i typy \u00fa\u010dt\u016f:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Direct Pakket &#8211; co\u017e je standardn\u00ed b\u011b\u017en\u00fd \u00fa\u010det, kter\u00fd stoj\u00ed 1,55 EUR m\u011bs\u00ed\u010dn\u011b.<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Basis Pakket &#8211; kter\u00fd stoj\u00ed 2,90 EUR m\u011bs\u00ed\u010dn\u011b a zahrnuje mo\u017enost kreditn\u00ed karty.<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Totaal Pakket &#8211; stoj\u00ed 4,80 EUR m\u011bs\u00ed\u010dn\u011b a jedn\u00e1 se o luxusn\u00ed \u00fa\u010det s dal\u0161\u00edmi funkcemi.\u00a0\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pro ka\u017ed\u00fd typ \u00fa\u010dtu je nab\u00edzen online a mobiln\u00ed p\u0159\u00edstup k \u00fa\u010dtu. K dispozici jsou bal\u00ed\u010dky speci\u00e1ln\u011b navr\u017een\u00e9 pro podnikatele, mlad\u00e9 jednotlivce, studenty a p\u00e1ry se spole\u010dn\u00fdmi \u00fa\u010dty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pro vytvo\u0159en\u00ed \u00fa\u010dtu je nutn\u00e9 sjednat sch\u016fzku. Bohu\u017eel ne v\u0161echny informace jsou na webov\u00fdch str\u00e1nk\u00e1ch nebo v internetov\u00e9m bankovnictv\u00ed k dispozici v angli\u010dtin\u011b.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>V\u00fdhody\u00a0<\/b><\/td>\n<td><b>Nev\u00fdhody<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Aplikace je u\u017eivatelsky p\u0159\u00edv\u011btiv\u00e1\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pro otev\u0159en\u00ed \u00fa\u010dtu je t\u0159eba si domluvit sch\u016fzku.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rozs\u00e1hl\u00e1 s\u00ed\u0165 pobo\u010dek<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ne v\u0161echny informace jsou k dispozici v angli\u010dtin\u011b<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u00da\u010det i kreditn\u00ed karta jsou zdarma.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzk\u00e9 \u00farokov\u00e9 sazby pro \u00faspory<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Bunq<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dal\u0161\u00ed bankou, na kterou byste se m\u011bli zam\u011b\u0159it, pokud jste expat v Nizozemsku, je <\/span><span style=\"font-weight: 400;\">Bunq<\/span><span style=\"font-weight: 400;\">. Tato banka je pln\u011b online a nab\u00edz\u00ed mobiln\u00ed bankovnictv\u00ed s r\u016fzn\u00fdmi mo\u017enostmi \u00fa\u010dt\u016f, n\u00e1stroje pro tvorbu rozpo\u010dtu a okam\u017eit\u00e9 platby.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nab\u00edz\u00ed mno\u017estv\u00ed funkc\u00ed, kter\u00e9 v\u00e1m usnadn\u00ed spr\u00e1vu financ\u00ed, nap\u0159\u00edklad mo\u017enost p\u0159\u00edstupu ke dv\u011bma \u00fa\u010dt\u016fm pomoc\u00ed jedn\u00e9 karty, automatick\u00e9 zaokrouhlov\u00e1n\u00ed pro \u00fasporu n\u00e1klad\u016f a t\u0159\u00edd\u011bn\u00ed plat\u016f pro zjednodu\u0161en\u00ed sestavov\u00e1n\u00ed rozpo\u010dtu.\u00a0<\/span><\/p>\n<p><b>Nejlep\u0161\u00ed funkc\u00ed je, \u017ee nemus\u00edte \u010dekat, a\u017e obdr\u017e\u00edte BSN, abyste se mohli zaregistrovat! Banku m\u016f\u017eete pou\u017e\u00edvat a\u017e 90 dn\u00ed, zat\u00edmco \u010dek\u00e1te na \u010d\u00edslo slu\u017eby pro ob\u010dany.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">M\u011bs\u00ed\u010dn\u00ed poplatek je sice o n\u011bco vy\u0161\u0161\u00ed ne\u017e u jin\u00fdch nizozemsk\u00fdch bank, ale v\u011b\u0159\u00edme, \u017ee d\u00edky v\u00fdrazn\u00e9 \u00faspo\u0159e n\u00e1klad\u016f se vyplat\u00ed.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>V\u00fdhody\u00a0<\/b><\/td>\n<td><b>Nev\u00fdhody<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">M\u016f\u017eete jej pou\u017e\u00edvat a\u017e 90 dn\u00ed bez BSN<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vy\u0161\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed poplatek<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">K dispozici v angli\u010dtin\u011b a dal\u0161\u00edch jazyc\u00edch<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u017d\u00e1dn\u00e9 fyzick\u00e9 pobo\u010dky<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Vysok\u00e9 \u00farokov\u00e9 sazby z \u00faspor<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">N26<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">N26<\/span><span style=\"font-weight: 400;\"> je dal\u0161\u00edm siln\u00fdm kandid\u00e1tem pro cizince, pokud jde o mezin\u00e1rodn\u00ed p\u0159evody pen\u011bz. Pokud se rozhodnete pro N26, budete si moci otev\u0159\u00edt bankovn\u00ed \u00fa\u010det b\u011bhem n\u011bkolika minut. M\u011bjte tak\u00e9 na pam\u011bti, \u017ee bankovn\u00ed \u00fa\u010det Standrad je zdarma a je k n\u011bmu p\u0159ilo\u017eena virtu\u00e1ln\u00ed karta N26 Mastercard, tak\u017ee m\u016f\u017eete prov\u00e1d\u011bt platby p\u0159\u00edmo z mobiln\u00edho telefonu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">K dispozici jsou tak\u00e9 t\u0159i r\u016fzn\u00e9 pr\u00e9miov\u00e9 \u00fa\u010dty &#8211; <\/span><b>N26 You, Business You a N26 Metal<\/b><span style=\"font-weight: 400;\">. Dal\u0161\u00ed skv\u011blou v\u011bc\u00ed na N26 je, \u017ee tamn\u00ed z\u00e1kaznick\u00e1 podpora pracuje dlouho, od 7:00 do 23:00, a to i o v\u00edkendech a sv\u00e1tc\u00edch.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>V\u00fdhody\u00a0<\/b><\/td>\n<td><b>Nev\u00fdhody<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">K dispozici v angli\u010dtin\u011b<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u017d\u00e1dn\u00e9 fyzick\u00e9 pobo\u010dky<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Standardn\u00ed bankovn\u00ed \u00fa\u010dty jsou zdarma a jejich sou\u010d\u00e1st\u00ed je virtu\u00e1ln\u00ed karta N26 Mastercard.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vysok\u00e9 m\u011bs\u00ed\u010dn\u00ed poplatky<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Skv\u011bl\u00e1 z\u00e1kaznick\u00e1 podpora<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">V\u00fdb\u011br nejlep\u0161\u00ed banky z\u00e1vis\u00ed na va\u0161ich individu\u00e1ln\u00edch pot\u0159eb\u00e1ch. <\/span><b>N\u00e1sleduj\u00edc\u00ed tabulka porovn\u00e1v\u00e1 kl\u00ed\u010dov\u00e9 vlastnosti n\u011bkter\u00fdch nejlep\u0161\u00edch uchaze\u010d\u016f, abyste mohli za\u010d\u00edt:<\/b><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Vlastnosti<\/b><\/th>\n<th><b>ABN Amro<\/b><\/th>\n<th><b>ING<\/b><\/th>\n<th><b>Rabobank<\/b><\/th>\n<th><b>Bunq<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><b>Typ \u00fa\u010dtu<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Pen\u011b\u017en\u00ed \u00fa\u010dty, spo\u0159en\u00ed, investice<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pen\u011b\u017en\u00ed \u00fa\u010dty, spo\u0159en\u00ed, investice<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pen\u011b\u017en\u00ed \u00fa\u010dty, spo\u0159en\u00ed, investice<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Osobn\u00ed, Firemn\u00ed<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>M\u011bs\u00ed\u010dn\u00ed poplatky<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Li\u0161\u00ed se<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Li\u0161\u00ed se<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Li\u0161\u00ed se<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zdarma<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>V\u00fdb\u011bry z bankomat\u016f (NL)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Zdarma v r\u00e1mci s\u00edt\u011b<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zdarma v r\u00e1mci s\u00edt\u011b<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zdarma v r\u00e1mci s\u00edt\u011b<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zdarma v r\u00e1mci omezen\u00e9 s\u00edt\u011b<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>V\u00fdb\u011bry z bankomat\u016f (mezin\u00e1rodn\u00ed)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Plat\u00ed se poplatky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plat\u00ed se poplatky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plat\u00ed se poplatky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zdarma (omezen\u00e9 mno\u017estv\u00ed, pot\u00e9 poplatky)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>\u00darokov\u00e9 sazby (spo\u0159en\u00ed)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzk\u00e9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzk\u00e9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzk\u00e9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Li\u0161\u00ed se podle pl\u00e1nu<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Men\u0161\u00ed banky, kter\u00e9 je t\u0159eba zv\u00e1\u017eit<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ASN Bank &#8211; up\u0159ednost\u0148uje metody bankovnictv\u00ed \u0161etrn\u00e9 k \u017eivotn\u00edmu prost\u0159ed\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SNS Bank &#8211; Poskytuje v\u00fdb\u011br finan\u010dn\u00edch produkt\u016f za konkurenceschopn\u00e9 sazby.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RegioBank &#8211; Tato banka je zn\u00e1m\u00e1 sv\u00fdm siln\u00fdm zastoupen\u00edm v ur\u010dit\u00fdch regionech Nizozemska.<\/span><\/li>\n<\/ul>\n<h2>Jak si otev\u0159\u00edt nizozemsk\u00fd bankovn\u00ed \u00fa\u010det<\/h2>\n<p><span style=\"font-weight: 400;\">Otev\u0159en\u00ed bankovn\u00edho \u00fa\u010dtu v Nizozemsku je na\u0161t\u011bst\u00ed pom\u011brn\u011b jednoduch\u00fd proces.<\/span><b> V\u0161em, kte\u0159\u00ed pot\u0159ebuj\u00ed podrobn\u011bj\u0161\u00ed vysv\u011btlen\u00ed, doporu\u010dujeme nav\u0161t\u00edvit na\u0161eho komplexn\u00edho pr\u016fvodce zde.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">V\u011bt\u0161ina nizozemsk\u00fdch bank umo\u017e\u0148uje otev\u0159\u00edt \u00fa\u010det online prost\u0159ednictv\u00edm sv\u00fdch internetov\u00fdch str\u00e1nek nebo osobn\u011b na n\u011bkter\u00e9 ze sv\u00fdch pobo\u010dek. P\u0159ed otev\u0159en\u00edm \u00fa\u010dtu na pobo\u010dce si nezapome\u0148te domluvit sch\u016fzku.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Obecn\u011b plat\u00ed, \u017ee budete pot\u0159ebovat n\u011bkolik z\u00e1kladn\u00edch dokument\u016f &#8211; <\/span><b>platn\u00fd pr\u016fkaz toto\u017enosti, <\/b><a href=\"https:\/\/robin.jobs\/cz\/work-in-the-netherlands\/holandska-vyplatni-paska\"><span style=\"font-weight: 400;\">\u010d\u00edslo ob\u010dansk\u00e9ho pr\u016fkazu (BSN)<\/span><\/a><b>, doklad o adrese (nap\u0159\u00edklad n\u00e1jemn\u00ed smlouvu) a pracovn\u00ed smlouvu nebo nizozemskou v\u00fdplatn\u00ed p\u00e1sku.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dobrou zpr\u00e1vou je, \u017ee velk\u00e9 mno\u017estv\u00ed nizozemsk\u00fdch bank p\u0159ij\u00edm\u00e1 zahrani\u010dn\u00ed klienty a \u010dasto poskytuj\u00ed asistenci v angli\u010dtin\u011b b\u011bhem procesu vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti.<\/span><\/p>\n<h2>Faktory, kter\u00e9 je t\u0159eba zv\u00e1\u017eit p\u0159i v\u00fdb\u011bru vhodn\u00e9 banky<\/h2>\n<p><span style=\"font-weight: 400;\">V\u00fdb\u011br dokonal\u00e9ho bankovn\u00edho \u00fa\u010dtu v Nizozemsku nen\u00ed jen o tom, kam p\u0159ij\u00edmat a ukl\u00e1dat pen\u00edze. <\/span><b>Jde o nalezen\u00ed finan\u010dn\u00edho partnera, kter\u00fd sd\u00edl\u00ed va\u0161e hodnoty a c\u00edle.<\/b><span style=\"font-weight: 400;\"> Zde jsou kl\u00ed\u010dov\u00e9 faktory, kter\u00e9 je t\u0159eba p\u0159i rozhodov\u00e1n\u00ed zv\u00e1\u017eit:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Online bankovnictv\u00ed a mobiln\u00ed aplikace &#8211; <\/b><span style=\"font-weight: 400;\">U\u017eivatelsky p\u0159\u00edv\u011btiv\u00e1 online platforma je v dne\u0161n\u00edm digit\u00e1ln\u00edm sv\u011bt\u011b kl\u00ed\u010dov\u00e1. Hledejte funkce, jako jsou n\u00e1stroje na pl\u00e1nov\u00e1n\u00ed rozpo\u010dtu, p\u0159\u00edv\u011btiv\u00e1 mobiln\u00ed aplikace, r\u016fzn\u00e9 mo\u017enosti online plateb \u00fa\u010dt\u016f a aktu\u00e1ln\u00ed p\u0159ehled o stavu \u00fa\u010dtu v re\u00e1ln\u00e9m \u010dase.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Poplatky &#8211; <\/b><span style=\"font-weight: 400;\">M\u011bs\u00ed\u010dn\u00ed poplatky za veden\u00ed \u00fa\u010dtu, poplatky za transakce (dom\u00e1c\u00ed i zahrani\u010dn\u00ed) a poplatky za v\u00fdb\u011bry z bankomat\u016f (zvl\u00e1\u0161t\u011b d\u016fle\u017eit\u00e9, pokud \u010dasto cestujete) jsou d\u016fle\u017eit\u00fdmi faktory. Spr\u00e1vn\u00fd v\u00fdb\u011br banky v\u00e1m m\u016f\u017ee u\u0161et\u0159it spoustu pen\u011bz. N\u011bkter\u00e9 banky nab\u00edzej\u00ed bezplatn\u00e9 \u00fa\u010dty s omezen\u00fdmi slu\u017ebami, zat\u00edmco jin\u00e9 \u00fa\u010dtuj\u00ed pr\u00e9miov\u00e9 poplatky za \u0161ir\u0161\u00ed \u0161k\u00e1lu funkc\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>S\u00ed\u0165 pobo\u010dek a jejich poloha &#8211; <\/b><span style=\"font-weight: 400;\">Fyzick\u00e9 pobo\u010dky jsou v\u00fdhodou, zvl\u00e1\u0161t\u011b pokud up\u0159ednost\u0148ujete osobn\u00ed kontakt. V takov\u00e9m p\u0159\u00edpad\u011b je ide\u00e1ln\u00ed banka s \u0161irokou s\u00edt\u00ed pobo\u010dek v bl\u00edzkosti va\u0161eho bydli\u0161t\u011b. Pokud v\u0161ak spol\u00e9h\u00e1te na online bankovnictv\u00ed, men\u0161\u00ed s\u00ed\u0165 pobo\u010dek nevad\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00darokov\u00e9 sazby u spo\u0159ic\u00edch \u00fa\u010dt\u016f &#8211; <\/b><span style=\"font-weight: 400;\">\u00darokov\u00e9 sazby nab\u00edzen\u00e9 u spo\u0159ic\u00edch \u00fa\u010dt\u016f jsou d\u016fle\u017eit\u00e9, pokud pl\u00e1nujete spo\u0159it. Porovnejte sazby u r\u016fzn\u00fdch bank a zva\u017ete, zda vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba ospravedl\u0148uje p\u0159\u00edpadn\u00e9 nev\u00fdhody.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Nab\u00edzen\u00e9 typy \u00fa\u010dt\u016f &#8211; <\/b><span style=\"font-weight: 400;\">Banky nab\u00edzej\u00ed r\u016fzn\u00e9 typy \u00fa\u010dt\u016f. Existuj\u00ed studentsk\u00e9 \u00fa\u010dty, spole\u010dn\u00e9 \u00fa\u010dty nebo pr\u00e9miov\u00e9 \u00fa\u010dty s p\u0159idan\u00fdmi v\u00fdhodami, tak\u017ee si vyberte ten, kter\u00fd nejl\u00e9pe odpov\u00edd\u00e1 va\u0161\u00ed finan\u010dn\u00ed situaci a pot\u0159eb\u00e1m.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Digit\u00e1ln\u00ed bankovnictv\u00ed &#8211; <\/b><span style=\"font-weight: 400;\">Vyberte si banku, kter\u00e1 p\u0159ij\u00edm\u00e1 digit\u00e1ln\u00ed \u0159e\u0161en\u00ed. Funkce jako mobiln\u00ed vklady \u0161ek\u016f, okam\u017eit\u00e9 p\u0159evody mezi \u00fa\u010dty a bezkontaktn\u00ed platby v\u00e1m zlep\u0161\u00ed z\u00e1\u017eitek z bankovnictv\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mo\u017enosti mezin\u00e1rodn\u00edch p\u0159evod\u016f pen\u011bz &#8211; <\/b><span style=\"font-weight: 400;\">Pokud pravideln\u011b pos\u00edl\u00e1te nebo p\u0159ij\u00edm\u00e1te pen\u00edze ze zahrani\u010d\u00ed, zjist\u011bte si poplatky a sm\u011bnn\u00e9 kurzy nab\u00edzen\u00e9 r\u016fzn\u00fdmi bankami. N\u011bkter\u00e9 banky maj\u00ed v\u00fdhodn\u011bj\u0161\u00ed sazby, proto\u017ee se specializuj\u00ed na mezin\u00e1rodn\u00ed p\u0159evody.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Podpora iDEAL &#8211; <\/b><span style=\"font-weight: 400;\">iDEAL je obl\u00edben\u00fd online platebn\u00ed syst\u00e9m v Nizozemsku. Pro hladk\u00e9 online n\u00e1kupy se ujist\u011bte, \u017ee v\u00e1mi zvolen\u00e1 banka podporuje iDEAL.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bankovn\u00ed karta Maestro nebo V Pay &#8211; <\/b><span style=\"font-weight: 400;\">Debetn\u00ed karty jsou v Nizozemsku b\u011b\u017en\u011b p\u0159ij\u00edm\u00e1ny pro ka\u017edodenn\u00ed n\u00e1kupy. Zkontrolujte, zda va\u0161e vybran\u00e1 banka nab\u00edz\u00ed kartu Maestro nebo V Pay jako prim\u00e1rn\u00ed debetn\u00ed kartu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pohodln\u00e1 funkce \u017e\u00e1dosti o platbu &#8211; <\/b><span style=\"font-weight: 400;\">N\u011bkter\u00e9 banky nab\u00edzej\u00ed pohodln\u00fd zp\u016fsob, jak po\u017e\u00e1dat p\u0159\u00e1tele o pen\u00edze nebo rozd\u011blit \u00fa\u010dty. Tato funkce usnad\u0148uje finan\u010dn\u00ed interakce.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Holandsk\u00fd IBAN a okam\u017eit\u00e9 platby &#8211; <\/b><span style=\"font-weight: 400;\">IBAN (mezin\u00e1rodn\u00ed \u010d\u00edslo bankovn\u00edho \u00fa\u010dtu) je nezbytn\u00e9 pro p\u0159ij\u00edm\u00e1n\u00ed pen\u011bz v Nizozemsku. Vyberte si banku, kter\u00e1 poskytuje nizozemsk\u00fd IBAN a umo\u017e\u0148uje okam\u017eit\u00e9 platby (tzv. SEPA Instant Payments) pro rychlej\u0161\u00ed transakce.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Komunikace a u\u017eivatelsk\u00e9 rozhran\u00ed v angli\u010dtin\u011b &#8211; <\/b><span style=\"font-weight: 400;\">Pro mnoho cizinc\u016f nen\u00ed holand\u0161tina jejich jazykem, proto se ujist\u011bte, \u017ee v\u00e1mi zvolen\u00e1 banka nab\u00edz\u00ed jasnou komunikaci a u\u017eivatelsk\u00e9 rozhran\u00ed v angli\u010dtin\u011b. To v\u00e1m usnadn\u00ed orientaci ve va\u0161em \u00fa\u010dtu a p\u0159\u00edstup k funkc\u00edm.<\/span><\/li>\n<\/ul>\n<p><b>Pamatujte, \u017ee nejlep\u0161\u00ed banka pro v\u00e1s je subjektivn\u00ed a z\u00e1vis\u00ed na va\u0161ich individu\u00e1ln\u00edch priorit\u00e1ch.<\/b><span style=\"font-weight: 400;\"> D\u016fkladn\u011b si prove\u010fte pr\u016fzkum, porovnejte nab\u00eddky, v\u0161e si promyslete a vyberte banku, kter\u00e1 se stane cenn\u00fdm finan\u010dn\u00edm partnerem p\u0159i dosahov\u00e1n\u00ed va\u0161ich c\u00edl\u016f.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Seznam pojm\u016f, kter\u00e9 je t\u0159eba zn\u00e1t v nizozemsk\u00e9m bankovn\u00edm syst\u00e9mu<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">N\u011bkter\u00e9 banky nab\u00edzej\u00ed zaj\u00edmav\u00e9 aplikace, funkce a finan\u010dn\u00ed slu\u017eby, kter\u00e9 mohou potenci\u00e1ln\u00ed klienty zaujmout, aby v\u00e1m bankovn\u00ed slu\u017eby v\u00fdrazn\u011b usnadnily a zp\u0159\u00edjemnily. V tomto seznamu se dozv\u00edte v\u00edce:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tikkie <\/b><span style=\"font-weight: 400;\">&#8211; Jedn\u00e1 se o velmi obl\u00edbenou aplikaci pro zad\u00e1v\u00e1n\u00ed \u017e\u00e1dost\u00ed o mobiln\u00ed platby v Nizozemsku. Umo\u017e\u0148uje u\u017eivatel\u016fm snadno rozd\u011blit \u00fa\u010dty nebo po\u017e\u00e1dat o pen\u00edze p\u0159\u00e1tele.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>iDEAL<\/b><span style=\"font-weight: 400;\"> &#8211; Jedn\u00e1 se o bezpe\u010dn\u00fd online platebn\u00ed syst\u00e9m, kter\u00fd se v Nizozemsku pou\u017e\u00edv\u00e1 k prov\u00e1d\u011bn\u00ed online n\u00e1kup\u016f p\u0159\u00edmo z bankovn\u00edho \u00fa\u010dtu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>iDIN <\/b><span style=\"font-weight: 400;\">&#8211; Jedn\u00e1 se o bezpe\u010dnou online autentiza\u010dn\u00ed metodu, kter\u00e1 se v Nizozemsku pou\u017e\u00edv\u00e1 k p\u0159\u00edstupu k online slu\u017eb\u00e1m ve\u0159ejn\u00e9 spr\u00e1vy nebo k ov\u011b\u0159en\u00ed toto\u017enosti pro online bankovnictv\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>IBAN <\/b><span style=\"font-weight: 400;\">&#8211; mezin\u00e1rodn\u00ed \u010d\u00edslo bankovn\u00edho \u00fa\u010dtu. Jedine\u010dn\u00fd identifik\u00e1tor va\u0161eho bankovn\u00edho \u00fa\u010dtu, kter\u00fd se pou\u017e\u00edv\u00e1 pro mezin\u00e1rodn\u00ed p\u0159evody pen\u011bz.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Spole\u010dn\u00fd \u00fa\u010det <\/b><span style=\"font-weight: 400;\">&#8211; Jedn\u00e1 se o typ bankovn\u00edho \u00fa\u010dtu sd\u00edlen\u00e9ho dv\u011bma nebo v\u00edce osobami. V\u0161ichni m\u016f\u017eete vkl\u00e1dat, vyb\u00edrat a spravovat finan\u010dn\u00ed prost\u0159edky spole\u010dn\u011b<\/span><\/li>\n<\/ul>\n<h2>Alternativn\u00ed zp\u016fsoby p\u0159evodu pen\u011bz pro cizince<\/h2>\n<p><picture><source srcset=\"https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-1024x682.jpg.webp 1024w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-300x200.jpg.webp 300w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-768x512.jpg.webp 768w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-669x446.jpg.webp 669w, https:\/\/robin.jobs\/cz\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody.jpg.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img decoding=\"async\" class=\"alignnone size-large wp-image-1228433 webpexpress-processed\" src=\"https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-1024x682.jpg\" alt=\"Alternativn\u00ed Mo\u017enosti Pro Pen\u011b\u017en\u00ed P\u0159evody\" width=\"1024\" height=\"682\" srcset=\"https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-1024x682.jpg 1024w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-300x200.jpg 300w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-768x512.jpg 768w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody-669x446.jpg 669w, https:\/\/robin.jobs\/cz\/wp-content\/uploads\/sites\/23\/2025\/02\/alternativni-moznosti-pro-penezni-prevody.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/picture><\/p>\n<p><span style=\"font-weight: 400;\">Tradi\u010dn\u00ed banky \u010dasto \u00fa\u010dtuj\u00ed vysok\u00e9 poplatky za mezin\u00e1rodn\u00ed p\u0159evody pen\u011bz. Abyste se t\u011bmto poplatk\u016fm vyhnuli, vyberte si n\u011bkterou z alternativn\u00edch mo\u017enost\u00ed p\u0159evod\u016f, kter\u00e1 nejl\u00e9pe vyhovuje va\u0161im pot\u0159eb\u00e1m. Zde jsou n\u011bkter\u00e9 alternativy, kter\u00e9 by m\u011bli cizinci zv\u00e1\u017eit:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Wise (d\u0159\u00edve TransferWise)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Zn\u00e1m\u00fd d\u00edky v\u00fdhodn\u00fdm sm\u011bnn\u00fdm kurz\u016fm a n\u00edzk\u00fdm poplatk\u016fm, \u010dasto ni\u017e\u0161\u00edm ne\u017e 1 % z p\u0159ev\u00e1d\u011bn\u00e9 \u010d\u00e1stky. Nab\u00edz\u00ed tak\u00e9 bezhrani\u010dn\u00ed multi-m\u011bnov\u00fd \u00fa\u010det pro spr\u00e1vu financ\u00ed.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Revolut<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Revolut m\u016f\u017ee b\u00fdt tak\u00e9 silnou volbou pro cizince, kte\u0159\u00ed hledaj\u00ed alternativn\u00ed mo\u017enosti p\u0159evod\u016f pen\u011bz. Tato elektronick\u00e1 pen\u011b\u017eenka nab\u00edz\u00ed mezibankovn\u00ed kurzy bez skryt\u00fdch poplatk\u016f ve v\u0161edn\u00ed dny, v r\u00e1mci bezplatn\u00e9ho limitu na v\u00fdm\u011bnu m\u011bn podle pl\u00e1nu.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>PayPal a Payoneer<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Slu\u017eby jako PayPal mohou b\u00fdt pohodln\u00e9 pro men\u0161\u00ed p\u0159evody, zvl\u00e1\u0161t\u011b pokud maj\u00ed oba \u00fa\u010dastn\u00edci ji\u017e zalo\u017een\u00e9 \u00fa\u010dty. Poplatky v\u0161ak mohou b\u00fdt vy\u0161\u0161\u00ed u mezin\u00e1rodn\u00edch transakc\u00ed.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>WorldRemit<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Cenov\u011b v\u00fdhodn\u00e1 mo\u017enost pro pos\u00edl\u00e1n\u00ed pen\u011bz do zahrani\u010d\u00ed, zvl\u00e1\u0161t\u011b pokud jde o hotovostn\u00ed vyzvednut\u00ed. Nab\u00edz\u00ed p\u0159evody do v\u00edce ne\u017e 130 zem\u00ed.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Remitly<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Dal\u0161\u00ed obl\u00edben\u00e1 slu\u017eba s u\u017eivatelsky p\u0159\u00edv\u011btivou aplikac\u00ed, vhodn\u00e1 pro pos\u00edl\u00e1n\u00ed pen\u011bz p\u0159\u00e1tel\u016fm a rodin\u011b. Poplatky a kurzy se mohou li\u0161it v z\u00e1vislosti na c\u00edlov\u00e9 destinaci.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>XE<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Nab\u00edz\u00ed mezin\u00e1rodn\u00ed p\u0159evody do v\u00edce ne\u017e 200 zem\u00ed s transparentn\u00edmi poplatky a v\u00fdhodn\u00fdmi sm\u011bnn\u00fdmi kurzy. Tak\u00e9 umo\u017e\u0148uje uzav\u00edr\u00e1n\u00ed forwardov\u00fdch kontrakt\u016f pro zafixov\u00e1n\u00ed sm\u011bnn\u00fdch kurz\u016f.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Western Union a MoneyGram<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Tyto oper\u00e1tory p\u0159evod\u016f pen\u011bz nelze pova\u017eovat za nejlep\u0161\u00ed volbu pro cizince kv\u016fli vysok\u00fdm poplatk\u016fm, ale jsou skv\u011blou mo\u017enost\u00ed, pokud pot\u0159ebujete extr\u00e9mn\u011b rychl\u00fd p\u0159evod pen\u011bz.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">V\u00fdb\u011br spr\u00e1vn\u00e9 slu\u017eby<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Nejlep\u0161\u00ed volba pro v\u00e1s bude z\u00e1viset na va\u0161ich konkr\u00e9tn\u00edch pot\u0159eb\u00e1ch. Zde je n\u011bkolik faktor\u016f, kter\u00e9 je t\u0159eba zv\u00e1\u017eit:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">V\u00fd\u0161e p\u0159evodu &#8211; u men\u0161\u00edch p\u0159evod\u016f mohou b\u00fdt poplatky v\u011bt\u0161\u00edm faktorem.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00edlov\u00e1 zem\u011b &#8211; N\u011bkter\u00e9 slu\u017eby maj\u00ed lep\u0161\u00ed pokryt\u00ed nebo sazby pro ur\u010dit\u00e9 regiony.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rychlost p\u0159evodu &#8211; Pot\u0159ebujete, aby pen\u00edze dorazily urychlen\u011b?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zp\u016fsoby platby &#8211; Jak chcete za p\u0159evod zaplatit (bankovn\u00ed \u00fa\u010det, kreditn\u00ed karta atd.)?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nezapome\u0148te, \u017ee je v\u017edy dobr\u00e9 prozkoumat a porovnat r\u016fzn\u00e9 slu\u017eby, ne\u017e si n\u011bjakou pro mezin\u00e1rodn\u00ed p\u0159evody pen\u011bz vyberete.<\/span><\/p>\n<h2>Z\u00e1v\u011bre\u010dn\u00e9 my\u0161lenky<\/h2>\n<p><span style=\"font-weight: 400;\">Znalost va\u0161ich priorit v\u00e1m pom\u016f\u017ee snadno vybrat tu spr\u00e1vnou banku &#8211; od online funkc\u00ed a mobiln\u00edch aplikac\u00ed a\u017e po poplatky, pobo\u010dkov\u00e9 s\u00edt\u011b a mezin\u00e1rodn\u00ed funkce. Nejd\u016fle\u017eit\u011bj\u0161\u00ed je naj\u00edt banku, kter\u00e1 odpov\u00edd\u00e1 va\u0161im finan\u010dn\u00edm zvyklostem a c\u00edl\u016fm.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u011bnujte proto trochu \u010dasu pr\u016fzkumu nab\u00eddky r\u016fzn\u00fdch bank na z\u00e1klad\u011b n\u00e1mi uveden\u00fdch \u00fadaj\u016f. S jasnou p\u0159edstavou o sv\u00fdch finan\u010dn\u00edch pot\u0159eb\u00e1ch budete na dobr\u00e9 cest\u011b k v\u00fdb\u011bru ide\u00e1ln\u00edho bankovn\u00edho partnera v Nizozemsku.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A pokud se va\u0161e rozhodnut\u00ed otev\u0159\u00edt si nizozemsk\u00fd bankovn\u00ed \u00fa\u010det shoduje se vzru\u0161uj\u00edc\u00edmi kari\u00e9rn\u00edmi aspiracemi, <\/span><a href=\"https:\/\/robin.jobs\/cz\/nabidky-prace\"><span style=\"font-weight: 400;\">p\u0159ejd\u011bte na Robin a prozkoumejte zaj\u00edmav\u00e9 pracovn\u00ed p\u0159\u00edle\u017eitosti v Nizozemsku!<\/span><\/a><span style=\"font-weight: 400;\"> Robin v\u00e1m pom\u016f\u017ee naj\u00edt pr\u00e1ci sn\u016f a zorientovat se ve vzru\u0161uj\u00edc\u00edm sv\u011bt\u011b pr\u00e1ce na nizozemsk\u00e9m trhu.<\/span><\/p>\n<h2>\u010casto kladen\u00e9 ot\u00e1zky o nizozemsk\u00fdch bank\u00e1ch pro cizince<\/h2>\n<h3><span style=\"font-weight: 400;\">Kter\u00e1 banka je nejlep\u0161\u00ed pro cizince?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Nejlep\u0161\u00ed banka z\u00e1vis\u00ed na va\u0161ich individu\u00e1ln\u00edch pot\u0159eb\u00e1ch a priorit\u00e1ch. Na z\u00e1klad\u011b zm\u00edn\u011bn\u00fdch informac\u00ed v\u0161ak pat\u0159\u00ed mezi nejlep\u0161\u00ed mo\u017enosti pro cizince tyto banky:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>ABN Amro<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bunq<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Radobank<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>ING Group<\/b><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Jak\u00e9 platebn\u00ed karty jsou v Nizozemsku nejb\u011b\u017en\u011bj\u0161\u00ed?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V Nizozemsku jsou debetn\u00ed karty nezbytnost\u00ed pro ka\u017edodenn\u00ed transakce. Zde jsou nej\u010dast\u011bj\u0161\u00ed karty:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maestro, Visa a Mastercard<\/b><span style=\"font-weight: 400;\"> \u2013 Tyto debetn\u00ed karty umo\u017e\u0148uj\u00ed n\u00e1kupy v obchodech a v\u00fdb\u011bry hotovosti z bankomat\u016f.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V Pay<\/b><span style=\"font-weight: 400;\"> \u2013 Dal\u0161\u00ed obl\u00edben\u00e1 debetn\u00ed karta, kter\u00e1 funguje podobn\u011b jako Maestro, ale je specifick\u00e1 pro Nizozemsko a n\u011bkter\u00e9 dal\u0161\u00ed evropsk\u00e9 zem\u011b.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Co je Syst\u00e9m ochrany vklad\u016f (Deposit Guarantee Scheme \u2013 DGS)?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Syst\u00e9m ochrany vklad\u016f (DGS) je finan\u010dn\u00ed ochrann\u00e1 s\u00ed\u0165, kter\u00e1 chr\u00e1n\u00ed va\u0161e pen\u00edze v p\u0159\u00edpad\u011b krachu banky. Jak to funguje:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kryt\u00ed<\/b><span style=\"font-weight: 400;\"> \u2013 Va\u0161e bankovn\u00ed vklady jsou chr\u00e1n\u011bny DGS v p\u0159\u00edpad\u011b platebn\u00ed neschopnosti banky.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limity<\/b><span style=\"font-weight: 400;\"> \u2013 V\u00fd\u0161e kryt\u00ed se li\u0161\u00ed v z\u00e1vislosti na zemi, kde \u017eijete. Nap\u0159\u00edklad v Nizozemsku banky garantuj\u00ed vklady a\u017e do v\u00fd\u0161e 100 000 \u20ac na vkladatele.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Jak\u00e1 je nejlep\u0161\u00ed elektronick\u00e1 pen\u011b\u017eenka pro cizince?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Stejn\u011b jako u v\u00fdb\u011bru banky z\u00e1vis\u00ed i volba elektronick\u00e9 pen\u011b\u017eenky na va\u0161ich individu\u00e1ln\u00edch pot\u0159eb\u00e1ch a priorit\u00e1ch. V Nizozemsku v\u011bt\u0161ina lid\u00ed preferuje <\/span><b>Revolut<\/b><span style=\"font-weight: 400;\">, vedle <\/span><b>Google Pay<\/b><span style=\"font-weight: 400;\"> a <\/span><b>Apple Pay<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Mohu pos\u00edlat pen\u00edze do zahrani\u010d\u00ed?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ano, pen\u00edze do zahrani\u010d\u00ed rozhodn\u011b pos\u00edlat m\u016f\u017eete! Existuje n\u011bkolik zp\u016fsob\u016f, z nich\u017e ka\u017ed\u00fd m\u00e1 sv\u00e9 v\u00fdhody a nev\u00fdhody. Zde jsou n\u011bkter\u00e9 b\u011b\u017en\u00e9 mo\u017enosti:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Va\u0161e banka<\/b><span style=\"font-weight: 400;\"> \u2013 V\u011bt\u0161ina bank nab\u00edz\u00ed slu\u017eby mezin\u00e1rodn\u00edho p\u0159evodu pen\u011bz. Poplatky v\u0161ak mohou b\u00fdt vysok\u00e9, zejm\u00e9na u men\u0161\u00edch \u010d\u00e1stek.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Poskytovatel\u00e9 slu\u017eeb p\u0159evodu pen\u011bz<\/b><span style=\"font-weight: 400;\"> \u2013 Spole\u010dnosti jako <\/span><b>Wise<\/b><span style=\"font-weight: 400;\">, <\/span><b>WorldRemit<\/b><span style=\"font-weight: 400;\"> nebo <\/span><b>XE<\/b><span style=\"font-weight: 400;\"> nab\u00edzej\u00ed v\u00fdhodn\u011bj\u0161\u00ed sm\u011bnn\u00e9 kurzy a ni\u017e\u0161\u00ed poplatky ve srovn\u00e1n\u00ed s tradi\u010dn\u00edmi bankami.<\/span><\/li>\n<\/ul>\n<p><b>Peer-to-Peer (P2P) platebn\u00ed aplikace<\/b><span style=\"font-weight: 400;\"> \u2013 Slu\u017eby jako <\/span><b>PayPal<\/b><span style=\"font-weight: 400;\"> nebo <\/span><b>Revolut<\/b><span style=\"font-weight: 400;\"> umo\u017e\u0148uj\u00ed pos\u00edlat a p\u0159ij\u00edmat pen\u00edze do zahrani\u010d\u00ed, v\u010detn\u011b mo\u017enosti okam\u017eit\u00fdch p\u0159evod\u016f. Poplatky z\u00e1vis\u00ed na \u010d\u00e1stce a zemi ur\u010den\u00ed.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nizozemsko m\u00e1 prosperuj\u00edc\u00ed bankovn\u00ed sektor, kter\u00fd se vyzna\u010duje intenzivn\u00ed konkurenc\u00ed mezi r\u016fzn\u00fdmi institucemi. Jednotlivci i firmy maj\u00ed k dispozici spoustu mo\u017enost\u00ed, jak uspokojit nejr\u016fzn\u011bj\u0161\u00ed finan\u010dn\u00ed pot\u0159eby. P\u0159i takov\u00e9m mno\u017estv\u00ed mo\u017enost\u00ed je v\u0161ak t\u0159eba v\u00fdb\u011br spr\u00e1vn\u00e9 banky pe\u010dliv\u011b zv\u00e1\u017eit.\u00a0 V tomto \u010dl\u00e1nku se budeme zab\u00fdvat kl\u00ed\u010dov\u00fdmi faktory, kter\u00e9 je t\u0159eba m\u00edt na pam\u011bti, v\u010detn\u011b v\u00fdznamu digit\u00e1ln\u00edho&#8230;<\/p>\n","protected":false},"author":38,"featured_media":1228434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1117,1116],"tags":[],"class_list":["post-1228432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life","category-work","work-category-pracovat-v-zahranici"],"acf":[],"_links":{"self":[{"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/posts\/1228432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/comments?post=1228432"}],"version-history":[{"count":3,"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/posts\/1228432\/revisions"}],"predecessor-version":[{"id":1257125,"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/posts\/1228432\/revisions\/1257125"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/media\/1228434"}],"wp:attachment":[{"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/media?parent=1228432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/categories?post=1228432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/robin.jobs\/cz\/wp-json\/wp\/v2\/tags?post=1228432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}