{"id":1220593,"date":"2025-01-15T03:14:24","date_gmt":"2025-01-15T00:14:24","guid":{"rendered":"https:\/\/robin.jobs\/sk\/?p=1220593"},"modified":"2025-12-29T05:50:25","modified_gmt":"2025-12-29T02:50:25","slug":"banky-v-holandsku-pre-expatov","status":"publish","type":"post","link":"https:\/\/robin.jobs\/sk\/praca-v-zahranice\/banky-v-holandsku-pre-expatov","title":{"rendered":"Najlep\u0161ie banky v Holandsku pre expatov"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Holandsko m\u00e1 prosperuj\u00faci bankov\u00fd sektor, ktor\u00fd je zn\u00e1my silnou konkurenciou medzi mno\u017estvom in\u0161tit\u00faci\u00ed. Pre jednotlivcov aj firmy existuje \u0161irok\u00e1 \u0161k\u00e1la mo\u017enost\u00ed, ktor\u00e9 vyhovuj\u00fa r\u00f4znym finan\u010dn\u00fdm potreb\u00e1m. Av\u0161ak, s to\u013ek\u00fdmi dostupn\u00fdmi mo\u017enos\u0165ami si v\u00fdber spr\u00e1vnej banky vy\u017eaduje d\u00f4kladn\u00e9 zv\u00e1\u017eenie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V tomto \u010dl\u00e1nku sa ponor\u00edme do k\u013e\u00fa\u010dov\u00fdch faktorov, na ktor\u00e9 by ste mali myslie\u0165, vr\u00e1tane d\u00f4le\u017eitosti digit\u00e1lneho bankovn\u00edctva, mo\u017en\u00fdch poplatkov za r\u00f4zne \u00fa\u010dty a celkov\u00fdch hodn\u00f4t banky. Presk\u00faman\u00edm t\u00fdchto aspektov v\u00e1m pom\u00f4\u017eeme urobi\u0165 informovan\u00e9 rozhodnutie a vybra\u0165 si bankov\u00e9ho partnera, ktor\u00fd dokonale zodpoved\u00e1 va\u0161im finan\u010dn\u00fdm cie\u013eom.<\/span><\/p>\n<h2>Pre\u010do by ste si mali otvori\u0165 holandsk\u00fd bankov\u00fd \u00fa\u010det?<\/h2>\n<p><span style=\"font-weight: 400;\">N\u00e1js\u0165 ide\u00e1lnu banku v Holandsku pre expatov je ako n\u00e1js\u0165 dokonal\u00fd p\u00e1r top\u00e1nok \u2013 mus\u00ed dobre sedie\u0165. Banka, ktor\u00e1 nezodpoved\u00e1 va\u0161im finan\u010dn\u00fdm potreb\u00e1m alebo princ\u00edpom, m\u00f4\u017ee vies\u0165 k frustr\u00e1cii a zbyto\u010dn\u00e9mu plytvaniu peniazmi. Tu je d\u00f4vod, pre\u010do je v\u00fdber spr\u00e1vnej banky d\u00f4le\u017eit\u00fd:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>U\u0161etrite peniaze<\/b><span style=\"font-weight: 400;\"> \u2013 R\u00f4zne banky maj\u00fa r\u00f4zne poplatkov\u00e9 \u0161trukt\u00fary. M\u00f4\u017eete u\u0161etri\u0165 zna\u010dn\u00e9 mno\u017estvo pe\u0148az\u00ed v\u00fdberom banky s n\u00edzkymi alebo \u017eiadnymi mesa\u010dn\u00fdmi poplatkami za spr\u00e1vu \u00fa\u010dtu, bezplatn\u00fdmi v\u00fdbermi z bankomatov a konkuren\u010dn\u00fdmi \u00farokov\u00fdmi sadzbami na sporiacich \u00fa\u010dtoch.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maximalizujte v\u00fdhody<\/b><span style=\"font-weight: 400;\"> \u2013 Banky pon\u00fakaj\u00fa mno\u017estvo funkci\u00ed, ako s\u00fa n\u00e1stroje na rozpo\u010dtovanie, cestovn\u00e9 poistenie, cashback programy a z\u013eavy. Zladenie t\u00fdchto v\u00fdhod s va\u0161\u00edm \u017eivotn\u00fdm \u0161t\u00fdlom m\u00f4\u017ee by\u0165 obrovsk\u00fdm pr\u00ednosom.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Zos\u00fala\u010fte s hodnotami<\/b><span style=\"font-weight: 400;\"> \u2013 Niektor\u00e9 banky uprednost\u0148uj\u00fa udr\u017eate\u013enos\u0165 alebo etick\u00e9 praktiky. Ak s\u00fa tieto hodnoty pre v\u00e1s d\u00f4le\u017eit\u00e9, v\u00fdber banky, ktor\u00e1 ich odr\u00e1\u017ea, m\u00f4\u017ee prinies\u0165 dobr\u00fd pocit a da\u0165 va\u0161im financi\u00e1m zmysel.<\/span><\/li>\n<\/ul>\n<h2>Najlep\u0161ie banky pre expatov v Holandsku<\/h2>\n<p><picture><source srcset=\"https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-1024x682.jpg.webp 1024w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-300x200.jpg.webp 300w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-768x512.jpg.webp 768w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-669x446.jpg.webp 669w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-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-1220596 webpexpress-processed\" src=\"https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-1024x682.jpg\" alt=\"Najlep\u0161ie Holandsk\u00e9 Banky\" width=\"1024\" height=\"682\" srcset=\"https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-1024x682.jpg 1024w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-300x200.jpg 300w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-768x512.jpg 768w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky-669x446.jpg 669w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/najlepsie-holandske-banky.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/picture><\/p>\n<p><b>Ke\u010f ide o bankovn\u00edctvo v Holandsku, pon\u00faka sa pestr\u00e1 zmes zaveden\u00fdch in\u0161tit\u00faci\u00ed a inovat\u00edvnych nov\u00e1\u010dikov.<\/b><span style=\"font-weight: 400;\"> Tu je zoznam 5 najlep\u0161\u00edch b\u00e1nk v Holandsku pre cudzincov.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">ABN Amro<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Jedna z najv\u00e4\u010d\u0161\u00edch holandsk\u00fdch b\u00e1nk, <\/span><span style=\"font-weight: 400;\">ABN Amro<\/span><span style=\"font-weight: 400;\">, je zn\u00e1ma svojou rozsiahlym sie\u0165ou pobo\u010diek a tradi\u010dn\u00fdmi bankov\u00fdmi slu\u017ebami. Pon\u00fakaj\u00fa r\u00f4zne \u00fa\u010dty, hypot\u00e9ky, p\u00f4\u017ei\u010dky a investi\u010dn\u00e9 produkty. Ak neovl\u00e1date holand\u010dinu, majte na pam\u00e4ti, \u017ee ide o jedin\u00fa &#8222;tradi\u010dn\u00fa&#8220; holandsk\u00fa banku, kde n\u00e1jdete v\u0161etky inform\u00e1cie v angli\u010dtine.<\/span><\/p>\n<p><b>Navy\u0161e, ABN Amro je jedin\u00e1 konven\u010dn\u00e1 holandsk\u00e1 banka, ktor\u00e1 umo\u017e\u0148uje otvorenie \u00fa\u010dtu e\u0161te pred registr\u00e1ciou na obecnom \u00farade a z\u00edskan\u00edm BSN \u010d\u00edsla<\/b><span style=\"font-weight: 400;\">. Pred z\u00edskan\u00edm t\u00fdchto dokumentov m\u00f4\u017eete bankov\u00e9 slu\u017eby vyu\u017e\u00edva\u0165 a\u017e 90 dn\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Online a mobiln\u00e9 bankovn\u00edctvo s\u00fa bezplatn\u00e9. ABN Amro pon\u00faka tri typy kreditn\u00fdch kariet: \u0161tandardn\u00fa kreditn\u00fa kartu, zlat\u00fa kreditn\u00fa kartu a \u0161tudentsk\u00fa kreditn\u00fa kartu. V pr\u00edpade po\u0161koden\u00ed alebo str\u00e1t z\u00edskate poistn\u00e9 krytie v z\u00e1vislosti od zvolen\u00e9ho typu kreditnej karty.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>PRE<\/b><\/td>\n<td><b>PROTI<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">V\u0161etky inform\u00e1cie s\u00fa k dispoz\u00edcii v angli\u010dtine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ve\u013emi n\u00edzke \u00farokov\u00e9 sadzby<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rozsiahla sie\u0165 pobo\u010diek<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Obmedzen\u00e9 mo\u017enosti aplik\u00e1ci\u00ed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Najlacnej\u0161ia tradi\u010dn\u00e1 banka\u00a0<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zdarma pre \u0161tudentov\u00a0<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">ING Group<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u010eal\u0161\u00ed \u010dlen z trojice najv\u00e4\u010d\u0161\u00edch b\u00e1nk v Holandsku je <\/span><span style=\"font-weight: 400;\">ING Group<\/span><span style=\"font-weight: 400;\">. Je zn\u00e1ma svojou silnou mobilnou bankovou platformou a zameran\u00edm na inov\u00e1cie. Pon\u00faka r\u00f4zne \u00fa\u010dty, hypot\u00e9ky, p\u00f4\u017ei\u010dky a investi\u010dn\u00e9 produkty s pou\u017e\u00edvate\u013esky pr\u00edvetiv\u00fdm online prostred\u00edm.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Okrem mnoh\u00fdch fyzick\u00fdch pobo\u010diek je mo\u017en\u00e9 si \u00fa\u010det v ING otvori\u0165 za 20 min\u00fat na jednej z ich pobo\u010diek, \u010do je ove\u013ea r\u00fdchlej\u0161ie v porovnan\u00ed s t\u00fd\u017ed\u0148om, ktor\u00fd to m\u00f4\u017ee trva\u0165 v in\u00fdch holandsk\u00fdch bank\u00e1ch.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medzin\u00e1rodn\u00ed absolventi a \u0161tudenti maj\u00fa taktie\u017e n\u00e1rok otvori\u0165 si holandsk\u00fd \u00fa\u010det pred z\u00edskan\u00edm BSN \u010d\u00edsla aj po jeho obdr\u017ean\u00ed.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>PRE<\/b><\/td>\n<td><b>PROTI<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Aplik\u00e1cia mobiln\u00e9ho bankovn\u00edctva je pou\u017e\u00edvate\u013esky pr\u00edvetiv\u00e1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzke \u00farokov\u00e9 sadzby pre sporiaci \u00fa\u010det<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bezplatne pre \u0161tudentov a absolventov<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Nie v\u0161etky inform\u00e1cie s\u00fa k dispoz\u00edcii v angli\u010dtine<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rozsiahla sie\u0165 pobo\u010diek<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Skr\u00e1tenie \u010dasu \u010dakania pri otv\u00e1ranie bankov\u00e9ho \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;\">Tret\u00edm \u010dlenom ve\u013ekej trojky b\u00e1nk v Holandsku je <\/span><span style=\"font-weight: 400;\">Rabobank<\/span><span style=\"font-weight: 400;\">. T\u00e1to banka sa silno zameriava na kooperat\u00edvne bankovn\u00edctvo a udr\u017eate\u013enos\u0165.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rabobank aktu\u00e1lne pon\u00faka tri typy \u00fa\u010dtov:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Direct Pakket<\/b><span style=\"font-weight: 400;\"> \u2013 \u0160tandardn\u00fd be\u017en\u00fd \u00fa\u010det za \u20ac1.55 mesa\u010dne.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Basis Pakket<\/b><span style=\"font-weight: 400;\"> \u2013 Stoj\u00ed \u20ac2.90 mesa\u010dne a zah\u0155\u0148a mo\u017enos\u0165 kreditnej karty.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Totaal Pakket<\/b><span style=\"font-weight: 400;\"> \u2013 Deluxe \u00fa\u010det s extra funkciami za \u20ac4.80 mesa\u010dne.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ku ka\u017ed\u00e9mu typu \u00fa\u010dtu je k dispoz\u00edcii pr\u00edstup cez online a mobiln\u00e9 bankovn\u00edctvo. Rabobank pon\u00faka \u0161peci\u00e1lne bal\u00edky pre firmy, mlad\u00fdch \u013eud\u00ed, \u0161tudentov a p\u00e1ry s partnersk\u00fdmi \u00fa\u010dtami.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na vytvorenie \u00fa\u010dtu je potrebn\u00e9 si dohodn\u00fa\u0165 stretnutie. Bohu\u017eia\u013e, nie v\u0161etky inform\u00e1cie na webovej str\u00e1nke alebo v internetovom bankovn\u00edctve s\u00fa dostupn\u00e9 v angli\u010dtine.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>PRE\u00a0<\/b><\/td>\n<td><b>PROTI<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Aplik\u00e1cia je u\u017e\u00edvate\u013esky pr\u00edvetiv\u00e1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Na otvorenie \u00fa\u010dtu si mus\u00edte dohodn\u00fa\u0165 stretnutie<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rozsiahla sie\u0165 pobo\u010diek<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Nie v\u0161etky inform\u00e1cie s\u00fa k dispoz\u00edcii v angli\u010dtine<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u00da\u010det aj kreditn\u00e1 karta s\u00fa bezplatn\u00e9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzke \u00farokov\u00e9 sadzby pre \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;\">\u010eal\u0161ou bankou, ktor\u00fa by ste mali zv\u00e1\u017ei\u0165, ak ste expat v Holandsku, je <\/span><span style=\"font-weight: 400;\">Bunq<\/span><span style=\"font-weight: 400;\">. T\u00e1to banka je plne online a pon\u00faka mobiln\u00e9 bankovn\u00edctvo s r\u00f4znymi mo\u017enos\u0165ami \u00fa\u010dtov, n\u00e1strojmi na rozpo\u010dtovanie a okam\u017eit\u00fdmi platbami.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pon\u00faka mno\u017estvo funkci\u00ed, ktor\u00e9 zjednodu\u0161uj\u00fa spr\u00e1vu financi\u00ed, ako je pr\u00edstup k dvom \u00fa\u010dtom s jednou kartou, automatick\u00e9 zaokr\u00fah\u013eovanie platieb na \u00faspory a triedenie mzdy na u\u013eah\u010denie rozpo\u010dtovania.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Najlep\u0161ou v\u00fdhodou je, \u017ee na registr\u00e1ciu nepotrebujete BSN \u010d\u00edslo! Bankov\u00e9 slu\u017eby m\u00f4\u017eete pou\u017e\u00edva\u0165 a\u017e 90 dn\u00ed, k\u00fdm \u010dak\u00e1te na z\u00edskanie \u010d\u00edsla ob\u010dianskeho servisu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aj ke\u010f je mesa\u010dn\u00fd poplatok o nie\u010do vy\u0161\u0161\u00ed ako v in\u00fdch holandsk\u00fdch bank\u00e1ch, ver\u00edme, \u017ee v\u00fdznamn\u00e9 \u00faspory na poplatkoch a mno\u017estvo funkci\u00ed stoja za to.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>PRE<\/b><\/td>\n<td><b>PROTI<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">M\u00f4\u017eete ho pou\u017e\u00edva\u0165 a\u017e 90 dn\u00ed bez BSN<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vy\u0161\u0161\u00ed mesa\u010dn\u00fd poplatok<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">K dispoz\u00edcii v angli\u010dtine a \u010fal\u0161\u00edch jazykoch<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u017diadne fyzick\u00e9 pobo\u010dky<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Vysok\u00e9 \u00farokov\u00e9 sadzby na \u00faspory<\/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 \u010fal\u0161\u00edm siln\u00fdm kandid\u00e1tom pre expatov, pokia\u013e ide o medzin\u00e1rodn\u00e9 prevody pe\u0148az\u00ed. Ak si vyberiete N26, m\u00f4\u017eete si otvori\u0165 bankov\u00fd \u00fa\u010det behom nieko\u013ek\u00fdch min\u00fat. Majte na pam\u00e4ti, \u017ee \u0161tandardn\u00fd bankov\u00fd \u00fa\u010det je bezplatn\u00fd a zah\u0155\u0148a virtu\u00e1lnu N26 Mastercard, ktor\u00e1 v\u00e1m umo\u017en\u00ed vykon\u00e1va\u0165 platby priamo z mobiln\u00e9ho telef\u00f3nu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank pon\u00faka aj tri r\u00f4zne pr\u00e9miov\u00e9 \u00fa\u010dty: <\/span><b>N26 You<\/b><span style=\"font-weight: 400;\">, <\/span><b>Business You<\/b><span style=\"font-weight: 400;\"> a <\/span><b>N26 Metal<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010eal\u0161ou skvelou v\u00fdhodou N26 je ich z\u00e1kazn\u00edcka podpora, ktor\u00e1 funguje dlh\u00e9 hodiny \u2013 od <\/span><b>07:00 do 23:00<\/b><span style=\"font-weight: 400;\">, a to aj cez v\u00edkendy a sviatky.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>PRE<\/b><\/td>\n<td><b>PROTI<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Dostupn\u00e9 v angli\u010dtine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u017diadne fyzick\u00e9 pobo\u010dky<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u0160tandardn\u00e9 bankov\u00e9 \u00fa\u010dty s\u00fa bezplatn\u00e9 a ich s\u00fa\u010das\u0165ou je virtu\u00e1lna karta N26 Mastercard<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vysok\u00e9 mesa\u010dn\u00e9 poplatky<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Skvel\u00e1 z\u00e1kazn\u00edcka podpora<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">V\u00fdber najlep\u0161ej banky z\u00e1vis\u00ed od va\u0161ich individu\u00e1lnych potrieb. Nasleduj\u00faca tabu\u013eka porovn\u00e1va k\u013e\u00fa\u010dov\u00e9 vlastnosti niektor\u00fdch popredn\u00fdch b\u00e1nk, ktor\u00e9 v\u00e1m pom\u00f4\u017eu za\u010da\u0165:<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Funkcia<\/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>Typy \u00fa\u010dtov<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Kontrola, sporenie, investovanie<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kontrola, sporenie, investovanie<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kontrola, sporenie, investovanie<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Osobn\u00e9, obchodn\u00e9<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Mesa\u010dn\u00e9 poplatky<\/b><\/td>\n<td><span style=\"font-weight: 400;\">sa l\u00ed\u0161i<\/span><\/td>\n<td><span style=\"font-weight: 400;\">sa l\u00ed\u0161i<\/span><\/td>\n<td><span style=\"font-weight: 400;\">sa l\u00ed\u0161i<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zadarmo<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>V\u00fdbery z bankomatov<\/b><\/p>\n<p><b>(NL)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Zadarmo v r\u00e1mci siete<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zadarmo v r\u00e1mci siete<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zadarmo v r\u00e1mci siete<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zadarmo v r\u00e1mci obmedzenej siete<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>V\u00fdbery z bankomatov<\/b><\/p>\n<p><b>\u00a0(Int&#8217;l)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">\u00da\u010dtuj\u00fa sa poplatky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00da\u010dtuj\u00fa sa poplatky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00da\u010dtuj\u00fa sa poplatky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zadarmo (obmedzen\u00e9 mno\u017estvo, poplatky potom)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>\u00darokov\u00e9 sadzby (\u00faspory)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzka<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzka<\/span><\/td>\n<td><span style=\"font-weight: 400;\">N\u00edzka<\/span><\/td>\n<td><span style=\"font-weight: 400;\">L\u00ed\u0161i sa pod\u013ea pl\u00e1nu<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Men\u0161ie banky, ktor\u00e9 stoj\u00ed za zv\u00e1\u017eenie<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>ASN Bank<\/b><span style=\"font-weight: 400;\"> \u2013 Uprednost\u0148uje ekologicky \u0161etrn\u00e9 bankov\u00e9 met\u00f3dy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>SNS Bank<\/b><span style=\"font-weight: 400;\"> \u2013 Pon\u00faka v\u00fdber finan\u010dn\u00fdch produktov za konkurencieschopn\u00e9 ceny.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>RegioBank<\/b><span style=\"font-weight: 400;\"> \u2013 T\u00e1to banka je zn\u00e1ma svojou silnou pr\u00edtomnos\u0165ou v konkr\u00e9tnych regi\u00f3noch Holandska.<\/span><\/li>\n<\/ul>\n<h2>Ako otvori\u0165 holandsk\u00fd bankov\u00fd \u00fa\u010det<\/h2>\n<p><span style=\"font-weight: 400;\">\u0160\u0165ast\u00edm je, \u017ee otvorenie bankov\u00e9ho \u00fa\u010dtu v Holandsku je pomerne jednoduch\u00fd proces.<\/span><b> Pre t\u00fdch, ktor\u00ed potrebuj\u00fa podrobnej\u0161ie vysvetlenie, odpor\u00fa\u010dame nav\u0161t\u00edvi\u0165 n\u00e1\u0161 komplexn\u00fd sprievodca tu.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">V\u00e4\u010d\u0161ina holandsk\u00fdch b\u00e1nk umo\u017e\u0148uje otvori\u0165 \u00fa\u010det online cez ich webov\u00fa str\u00e1nku alebo osobne na jednej z pobo\u010diek. Pred otvoren\u00edm \u00fa\u010dtu na pobo\u010dke sa uistite, \u017ee si napl\u00e1nujete stretnutie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zvy\u010dajne budete musie\u0165 zhroma\u017edi\u0165 nieko\u013eko z\u00e1kladn\u00fdch dokumentov &#8211; <\/span><b>platn\u00fa identifik\u00e1ciu, va\u0161e \u010d\u00edslo ob\u010dianskeho servisu (BSN), doklad o adrese (napr\u00edklad n\u00e1jomn\u00e1 zmluva) a pracovn\u00fa zmluvu alebo <\/b><a href=\"https:\/\/robin.jobs\/sk\/praca-v-holandsku\/holandska-vyplatna-paska\"><b>holandsk\u00fd v\u00fdplatn\u00fd p\u00e1s<\/b><\/a><b>.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dobr\u00e1 spr\u00e1va je, \u017ee ve\u013ea holandsk\u00fdch b\u00e1nk prij\u00edma medzin\u00e1rodn\u00fdch klientov a \u010dasto poskytuje pomoc v angli\u010dtine po\u010das procesu podania \u017eiadosti.<\/span><\/p>\n<h2>Faktory, ktor\u00e9 treba zv\u00e1\u017ei\u0165 pri v\u00fdbere spr\u00e1vnej banky pre v\u00e1s<\/h2>\n<p><span style=\"font-weight: 400;\">V\u00fdber ide\u00e1lneho bankov\u00e9ho \u00fa\u010dtu v Holandsku nie je len o mieste, kde budete prij\u00edma\u0165 a vklada\u0165 peniaze. Ide o n\u00e1jdenie finan\u010dn\u00e9ho partnera, ktor\u00fd zdie\u013ea va\u0161e hodnoty a ciele. Tu je preh\u013ead k\u013e\u00fa\u010dov\u00fdch faktorov, ktor\u00e9 budete musie\u0165 zv\u00e1\u017ei\u0165 pri rozhodovan\u00ed:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Online bankovn\u00edctvo a mobiln\u00e1 aplik\u00e1cia<\/b><span style=\"font-weight: 400;\"> \u2013 U\u017e\u00edvate\u013esky pr\u00edvetiv\u00e1 online platforma je dnes nevyhnutnos\u0165ou. H\u013eadajte funkcie ako n\u00e1stroje na rozpo\u010dtovanie, intuit\u00edvnu mobiln\u00fa aplik\u00e1ciu, r\u00f4zne platby \u00fa\u010dtov online a okam\u017eit\u00e9 aktualiz\u00e1cie \u00fa\u010dtu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Poplatky<\/b><span style=\"font-weight: 400;\"> \u2013 Mesa\u010dn\u00e9 poplatky, poplatky za transakcie (dom\u00e1ce aj medzin\u00e1rodn\u00e9) a poplatky za v\u00fdbery z bankomatov (najm\u00e4 d\u00f4le\u017eit\u00e9, ak \u010dasto cestujete) s\u00fa d\u00f4le\u017eit\u00e9 faktory. M\u00f4\u017eete u\u0161etri\u0165 ve\u013ea pe\u0148az\u00ed v\u00fdberom spr\u00e1vnej banky. Niektor\u00e9 banky pon\u00fakaj\u00fa bezplatn\u00e9 \u00fa\u010dty s obmedzen\u00fdmi slu\u017ebami, zatia\u013e \u010do in\u00e9 \u00fa\u010dtuj\u00fa pr\u00e9miov\u00e9 poplatky za \u0161ir\u0161iu ponuku funkci\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pobo\u010dkov\u00e1 sie\u0165 a umiestnenie<\/b><span style=\"font-weight: 400;\"> \u2013 Fyzick\u00e9 pobo\u010dky s\u00fa v\u00fdhodou, ktor\u00fa ocen\u00edte, najm\u00e4 ak preferujete osobn\u00fd kontakt. V takom pr\u00edpade je ide\u00e1lna banka s rozsiahlym pobo\u010dkov\u00fdm syst\u00e9mom, ktor\u00fd je bl\u00edzko v\u00e1s. Ak v\u0161ak pou\u017e\u00edvate online bankovn\u00edctvo, men\u0161ia sie\u0165 pobo\u010diek je v poriadku.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00darokov\u00e9 sadzby na sporiacich \u00fa\u010dtoch<\/b><span style=\"font-weight: 400;\"> \u2013 \u00darokov\u00e9 sadzby na sporiacich \u00fa\u010dtoch s\u00fa d\u00f4le\u017eit\u00e9, ak pl\u00e1nujete spori\u0165. Je d\u00f4le\u017eit\u00e9 porovna\u0165 \u00farokov\u00e9 sadzby medzi r\u00f4znymi bankami a zv\u00e1\u017ei\u0165, \u010di vy\u0161\u0161\u00ed \u00farok ospravedl\u0148uje mo\u017en\u00e9 nev\u00fdhody.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Typy \u00fa\u010dtov<\/b><span style=\"font-weight: 400;\"> \u2013 Banky pon\u00fakaj\u00fa r\u00f4zne typy \u00fa\u010dtov. Existuj\u00fa \u00fa\u010dty pre \u0161tudentov, spolo\u010dn\u00e9 \u00fa\u010dty alebo pr\u00e9miov\u00e9 \u00fa\u010dty s pridan\u00fdmi v\u00fdhodami, tak\u017ee si vyberte ten, ktor\u00fd najlep\u0161ie vyhovuje va\u0161ej finan\u010dnej situ\u00e1cii a potreb\u00e1m.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Digit\u00e1lne bankovn\u00edctvo<\/b><span style=\"font-weight: 400;\"> \u2013 Vyberte si banku, ktor\u00e1 podporuje digit\u00e1lne rie\u0161enia. Funkcie ako mobiln\u00e9 vklady \u0161ekov, okam\u017eit\u00e9 prevody medzi \u00fa\u010dtami a bezkontaktn\u00e9 platby zlep\u0161ia va\u0161u bankov\u00fa sk\u00fasenos\u0165.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Medzin\u00e1rodn\u00e9 prevody pe\u0148az\u00ed<\/b><span style=\"font-weight: 400;\"> \u2013 Ak pravidelne posielate alebo prij\u00edmate peniaze zo zahrani\u010dia, je nevyhnutn\u00e9 pozna\u0165 poplatky a v\u00fdmenn\u00e9 kurzy, ktor\u00e9 pon\u00fakaj\u00fa r\u00f4zne banky. Niektor\u00e9 banky maj\u00fa konkuren\u010dn\u00e9 sadzby, preto\u017ee sa \u0161pecializuj\u00fa na medzin\u00e1rodn\u00e9 prevody.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Podpora iDEAL<\/b><span style=\"font-weight: 400;\"> \u2013 iDEAL je popul\u00e1rny online platobn\u00fd syst\u00e9m v Holandsku. Ak chcete ma\u0165 hladk\u00fd z\u00e1\u017eitok z online nakupovania, uistite sa, \u017ee va\u0161a banka podporuje iDEAL.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Karta Maestro alebo V Pay<\/b><span style=\"font-weight: 400;\"> \u2013 Debetn\u00e9 karty s\u00fa akceptovan\u00e9 v celej Holandsku pri be\u017en\u00fdch n\u00e1kupoch. Skontrolujte, \u010di va\u0161a vybran\u00e1 banka pon\u00faka kartu Maestro alebo V Pay ako va\u0161u prim\u00e1rnu debetn\u00fa kartu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pohodln\u00e1 funkcia \u017eiadosti o platbu<\/b><span style=\"font-weight: 400;\"> \u2013 Niektor\u00e9 banky pon\u00fakaj\u00fa pohodln\u00fd sp\u00f4sob, ako po\u017eiada\u0165 o peniaze od priate\u013eov alebo rozdeli\u0165 \u00fa\u010dty. T\u00e1to funkcia zjednodu\u0161uje finan\u010dn\u00e9 interakcie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Holandsk\u00e9 IBAN a okam\u017eit\u00e9 platby<\/b><span style=\"font-weight: 400;\"> \u2013 IBAN (Medzin\u00e1rodn\u00e9 \u010d\u00edslo bankov\u00e9ho \u00fa\u010dtu) je nevyhnutn\u00fd na prij\u00edmanie pe\u0148az\u00ed v Holandsku. Vyberte si banku, ktor\u00e1 poskytuje holandsk\u00fd IBAN a umo\u017e\u0148uje okam\u017eit\u00e9 platby (zn\u00e1me ako SEPA Instant Payments) pre r\u00fdchlej\u0161ie transakcie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Komunik\u00e1cia a UI v angli\u010dtine<\/b><span style=\"font-weight: 400;\"> \u2013 Pre mnoh\u00fdch expatov nie je holand\u010dina ich materinsk\u00fd jazyk, preto sa uistite, \u017ee va\u0161a vybran\u00e1 banka pon\u00faka jasn\u00fa komunik\u00e1ciu a pou\u017e\u00edvate\u013esk\u00e9 rozhranie v angli\u010dtine. To u\u013eah\u010d\u00ed orient\u00e1ciu v \u00fa\u010dte a pr\u00edstup k funkci\u00e1m.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pam\u00e4tajte, \u017ee najlep\u0161ia banka pre v\u00e1s je subjekt\u00edvna a z\u00e1vis\u00ed od va\u0161ich osobn\u00fdch prior\u00edt. D\u00f4kladne si urobte prieskum, porovnajte ponuky, zv\u00e1\u017ete v\u0161etky mo\u017enosti a vyberte si banku, ktor\u00e1 sa stane cenn\u00fdm finan\u010dn\u00fdm partnerom pri dosahovan\u00ed va\u0161ich cie\u013eov.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Zoznam pojmov, ktor\u00e9 by ste mali pozna\u0165 v holandskom bankovom syst\u00e9me<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Aby bol v\u00e1\u0161 bankov\u00fd z\u00e1\u017eitok ove\u013ea jednoduch\u0161\u00ed a pr\u00edjemnej\u0161\u00ed, niektor\u00e9 banky pon\u00fakaj\u00fa zauj\u00edmav\u00e9 aplik\u00e1cie, funkcie a finan\u010dn\u00e9 slu\u017eby, ktor\u00e9 m\u00f4\u017eu pritiahnu\u0165 potenci\u00e1lnych klientov. V tomto zozname sa dozviete viac:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tikkie<\/b><span style=\"font-weight: 400;\"> \u2013 Ve\u013emi popul\u00e1rna aplik\u00e1cia na mobiln\u00e9 platby a \u017eiadosti o peniaze v Holandsku. Umo\u017e\u0148uje pou\u017e\u00edvate\u013eom jednoducho rozdeli\u0165 \u00fa\u010dty alebo po\u017eiada\u0165 o peniaze od priate\u013eov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>iDEAL<\/b><span style=\"font-weight: 400;\"> \u2013 Bezpe\u010dn\u00fd online platobn\u00fd syst\u00e9m pou\u017e\u00edvan\u00fd v Holandsku na online n\u00e1kupy priamo z v\u00e1\u0161ho bankov\u00e9ho \u00fa\u010dtu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>iDIN<\/b><span style=\"font-weight: 400;\"> \u2013 Bezpe\u010dn\u00e1 online autentifika\u010dn\u00e1 met\u00f3da pou\u017e\u00edvan\u00e1 v Holandsku na pr\u00edstup k online \u0161t\u00e1tnym slu\u017eb\u00e1m alebo overenie va\u0161ej identity pre online bankovn\u00edctvo.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>IBAN<\/b><span style=\"font-weight: 400;\"> \u2013 Medzin\u00e1rodn\u00e9 \u010d\u00edslo bankov\u00e9ho \u00fa\u010dtu. Jedine\u010dn\u00fd identifik\u00e1tor pre v\u00e1\u0161 bankov\u00fd \u00fa\u010det, ktor\u00fd sa pou\u017e\u00edva na medzin\u00e1rodn\u00e9 prevody pe\u0148az\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Spolo\u010dn\u00fd \u00fa\u010det<\/b><span style=\"font-weight: 400;\"> \u2013 Typ bankov\u00e9ho \u00fa\u010dtu, ktor\u00fd zdie\u013eaj\u00fa dve alebo viac os\u00f4b. V\u0161etci m\u00f4\u017eete spolo\u010dne vklada\u0165, vybera\u0165 a spravova\u0165 finan\u010dn\u00e9 prostriedky.<\/span><\/li>\n<\/ul>\n<h2>Alternat\u00edvne mo\u017enosti prevodov pe\u0148az\u00ed pre expatov<\/h2>\n<p><picture><source srcset=\"https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-1024x682.jpg.webp 1024w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-300x200.jpg.webp 300w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-768x512.jpg.webp 768w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-669x446.jpg.webp 669w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody.jpg.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img decoding=\"async\" class=\"alignnone size-large wp-image-1220594 webpexpress-processed\" src=\"https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-1024x682.jpg\" alt=\"Alternat\u00edvne Mo\u017enosti pre Pe\u0148a\u017en\u00e9 Prevody\" width=\"1024\" height=\"682\" srcset=\"https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-1024x682.jpg 1024w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-300x200.jpg 300w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-768x512.jpg 768w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody-669x446.jpg 669w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/01\/alternativne-moznosti-pre-penazne-prevody.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/picture><\/p>\n<p><b>Tradi\u010dn\u00e9 banky \u010dasto \u00fa\u010dtuj\u00fa vysok\u00e9 poplatky za medzin\u00e1rodn\u00e9 prevody pe\u0148az\u00ed.<\/b><span style=\"font-weight: 400;\"> Aby ste sa vyhli plateniu poplatkov, nemus\u00edte sa rozhodova\u0165 pre tradi\u010dn\u00fa banku. Vyberte si niektor\u00fa z alternat\u00edvnych mo\u017enost\u00ed prevodu pe\u0148az\u00ed, ktor\u00e1 najlep\u0161ie vyhovuje va\u0161im potreb\u00e1m. Tu s\u00fa niektor\u00e9 alternat\u00edvne mo\u017enosti, ktor\u00e9 by mali expati zv\u00e1\u017ei\u0165:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wise (predt\u00fdm TransferWise)<\/b><span style=\"font-weight: 400;\"> \u2013 Zn\u00e1m\u00fd pre konkuren\u010dn\u00e9 v\u00fdmenn\u00e9 kurzy a n\u00edzke poplatky, \u010dasto ni\u017e\u0161ie ako 1 % z prev\u00e1dzan\u00e9ho mno\u017estva. Pon\u00faka aj bezhrani\u010dn\u00fd multi-menov\u00fd \u00fa\u010det na spr\u00e1vu financi\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Revolut<\/b><span style=\"font-weight: 400;\"> \u2013 Revolut m\u00f4\u017ee by\u0165 siln\u00fdm kandid\u00e1tom pre expatov, ktor\u00ed h\u013eadaj\u00fa alternat\u00edvne mo\u017enosti prevodu pe\u0148az\u00ed. Tento e-pe\u0148a\u017eenka pon\u00faka medzi-bankov\u00e9 kurzy bez skryt\u00fdch poplatkov po\u010das pracovn\u00fdch dn\u00ed v r\u00e1mci bezplatn\u00e9ho v\u00fdmenn\u00e9ho limitu pod\u013ea v\u00e1\u0161ho pl\u00e1nu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PayPal a Payoneer<\/b><span style=\"font-weight: 400;\"> \u2013 Slu\u017eby ako PayPal m\u00f4\u017eu by\u0165 pohodln\u00e9 na men\u0161ie prevody, najm\u00e4 ak obidve strany u\u017e maj\u00fa \u00fa\u010dty. Av\u0161ak poplatky m\u00f4\u017eu by\u0165 vy\u0161\u0161ie pri medzin\u00e1rodn\u00fdch transakci\u00e1ch.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>WorldRemit<\/b><span style=\"font-weight: 400;\"> \u2013 Cenovo dostupn\u00e1 mo\u017enos\u0165 na posielanie pe\u0148az\u00ed do zahrani\u010dia, najm\u00e4 na vyzdvihnutie hotovosti. Pon\u00faka prevody do viac ako 130 kraj\u00edn.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Remitly<\/b><span style=\"font-weight: 400;\"> \u2013 \u010eal\u0161ia popul\u00e1rna slu\u017eba s u\u017e\u00edvate\u013esky pr\u00edvetivou aplik\u00e1ciou, ide\u00e1lna na posielanie pe\u0148az\u00ed priate\u013eom a rodine. Poplatky a kurzy sa m\u00f4\u017eu l\u00ed\u0161i\u0165 v z\u00e1vislosti od cie\u013eovej krajiny.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>XE<\/b><span style=\"font-weight: 400;\"> \u2013 Pon\u00faka medzin\u00e1rodn\u00e9 prevody do viac ako 200 kraj\u00edn s transparentn\u00fdmi poplatkami a konkuren\u010dn\u00fdmi v\u00fdmenn\u00fdmi kurzami. Umo\u017e\u0148uje aj forwardov\u00e9 kontrakty na zafixovanie v\u00fdmenn\u00fdch kurzov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Western Union a MoneyGram<\/b><span style=\"font-weight: 400;\"> \u2013 T\u00edto oper\u00e1tori prevodov pe\u0148az\u00ed nie s\u00fa najlep\u0161ou vo\u013ebou pre expatov kv\u00f4li vysok\u00fdm poplatkom, ale s\u00fa skvelou mo\u017enos\u0165ou, ak potrebujete ve\u013emi r\u00fdchly prevod pe\u0148az\u00ed.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">V\u00fdber spr\u00e1vnej slu\u017eby<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Najlep\u0161ia vo\u013eba pre v\u00e1s z\u00e1vis\u00ed od va\u0161ich konkr\u00e9tnych potrieb. Tu je nieko\u013eko faktorov, ktor\u00e9 by ste mali zv\u00e1\u017ei\u0165:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00fd\u0161ka prevodu<\/b><span style=\"font-weight: 400;\"> \u2013 Poplatky m\u00f4\u017eu by\u0165 v\u00e4\u010d\u0161\u00edm faktorom pri men\u0161\u00edch prevodoch.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cie\u013eov\u00e1 krajina<\/b><span style=\"font-weight: 400;\"> \u2013 Niektor\u00e9 slu\u017eby maj\u00fa lep\u0161ie pokrytie alebo v\u00fdhodnej\u0161ie kurzy pre ur\u010dit\u00e9 regi\u00f3ny.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>R\u00fdchlos\u0165 prevodu<\/b><span style=\"font-weight: 400;\"> \u2013 Potrebujete, aby peniaze dorazili urgentne?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sp\u00f4soby platby<\/b><span style=\"font-weight: 400;\"> \u2013 Ako chcete plati\u0165 za prevod (bankov\u00fd \u00fa\u010det, kreditn\u00e1 karta, at\u010f.)?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pam\u00e4tajte, \u017ee je v\u017edy dobr\u00e9 si pred v\u00fdberom slu\u017eby pre medzin\u00e1rodn\u00e9 prevody pe\u0148az\u00ed urobi\u0165 prieskum a porovna\u0165 r\u00f4zne mo\u017enosti.<\/span><\/p>\n<h2>Z\u00e1vere\u010dn\u00e9 my\u0161lienky<\/h2>\n<p><b>Od online funkci\u00ed a mobiln\u00fdch aplik\u00e1ci\u00ed a\u017e po poplatky, pobo\u010dkov\u00e9 siete a medzin\u00e1rodn\u00e9 funkcie, pochopenie va\u0161ich prior\u00edt v\u00e1m pom\u00f4\u017ee \u013eahko vybra\u0165 spr\u00e1vnu banku.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Najd\u00f4le\u017eitej\u0161ie je n\u00e1js\u0165 banku, ktor\u00e1 sa zhoduje s va\u0161imi finan\u010dn\u00fdmi n\u00e1vykmi a cie\u013emi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vyhra\u010fte si \u010das na v\u00fdskum pon\u00fak r\u00f4znych b\u00e1nk na z\u00e1klade inform\u00e1ci\u00ed, ktor\u00e9 sme poskytli. S jasn\u00fdm pochopen\u00edm va\u0161ich finan\u010dn\u00fdch potrieb budete pripraven\u00ed vybra\u0165 ide\u00e1lneho bankov\u00e9ho partnera v Holandsku.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A ak sa rozhodnutie otvori\u0165 si holandsk\u00fd bankov\u00fd \u00fa\u010det zhoduje s va\u0161imi vzru\u0161uj\u00facimi kari\u00e9rnymi amb\u00edciami, nav\u0161t\u00edvte Robin a objavte vzru\u0161uj\u00face <\/span><a href=\"https:\/\/robin.jobs\/sk\/ponuka-prace-v-zahranici\/ponuka-prace-holandsko\"><span style=\"font-weight: 400;\">pracovn\u00e9 pr\u00edle\u017eitostiv Holandsku<\/span><\/a><span style=\"font-weight: 400;\">! Nech v\u00e1m Robin pom\u00f4\u017ee n\u00e1js\u0165 v\u00e1\u0161 vysn\u00edvan\u00fd job a navigova\u0165 vzru\u0161uj\u00faci svet pr\u00e1ce na holandskom trhu.<\/span><\/p>\n<h2>\u010casto kladen\u00e9 ot\u00e1zky o holandsk\u00fdch bank\u00e1ch pre expatov<\/h2>\n<h3><span style=\"font-weight: 400;\">Ak\u00e1 je najlep\u0161ia banka pre expatov?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Najlep\u0161ia banka z\u00e1vis\u00ed od va\u0161ich individu\u00e1lnych potrieb a prior\u00edt. Na z\u00e1klade inform\u00e1ci\u00ed, ktor\u00e9 sme prediskutovali, tu je preh\u013ead niektor\u00fdch popredn\u00fdch kandid\u00e1tov pre expatov:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ABN Amro<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bunq<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rabobank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ING Group<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Ak\u00e9 s\u00fa najbe\u017enej\u0161ie karty pou\u017e\u00edvan\u00e9 v Holandsku?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V Holandsku s\u00fa debetn\u00e9 karty nevyhnutnos\u0165ou pri ka\u017edodenn\u00fdch transakci\u00e1ch. Tu je preh\u013ead najbe\u017enej\u0161\u00edch kariet:<\/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 Tieto debetn\u00e9 karty v\u00e1m umo\u017e\u0148uj\u00fa nakupova\u0165 v obchodoch a vybera\u0165 hotovos\u0165 z bankomatov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V Pay<\/b><span style=\"font-weight: 400;\"> \u2013 \u010eal\u0161ia popul\u00e1rna debetn\u00e1 karta, ktor\u00e1 funguje podobne ako Maestro, ale je \u0161pecifick\u00e1 pre Holandsko a niektor\u00e9 in\u00e9 eur\u00f3pske krajiny.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">\u010co je to syst\u00e9m ochrany vkladov (DGS)?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Syst\u00e9m ochrany vkladov (DGS) je finan\u010dn\u00e1 bezpe\u010dnostn\u00e1 sie\u0165, ktor\u00e1 chr\u00e1ni va\u0161e peniaze v pr\u00edpade, \u017ee banka zbankrotuje. Tu je, ako to funguje:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pokrytie<\/b><span style=\"font-weight: 400;\"> \u2013 Va\u0161e bankov\u00e9 vklady s\u00fa poisten\u00e9 syst\u00e9mom DGS v pr\u00edpade zlyhania banky.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limity<\/b><span style=\"font-weight: 400;\"> \u2013 \u0160pecifick\u00e1 v\u00fd\u0161ka pokrytia sa l\u00ed\u0161i v z\u00e1vislosti od krajiny, v ktorej \u017eijete. Napr\u00edklad v Holandsku banky garantuj\u00fa vklady a\u017e do v\u00fd\u0161ky \u20ac100,000 na vkladate\u013ea.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Ak\u00e1 je najlep\u0161ia e-pe\u0148a\u017eenka pre cudzincov?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Rovnako ako pri v\u00fdbere banky, aj v\u00fdber e-pe\u0148a\u017eenky z\u00e1vis\u00ed od va\u0161ich individu\u00e1lnych potrieb a prior\u00edt. V Holandsku v\u00e4\u010d\u0161ina \u013eud\u00ed preferuje pou\u017e\u00edvanie Revolut, okrem Google a Apple Pay.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">M\u00f4\u017eem posiela\u0165 peniaze do zahrani\u010dia?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00c1no, ur\u010dite m\u00f4\u017eete posiela\u0165 peniaze do zahrani\u010dia! Existuje nieko\u013eko sp\u00f4sobov, ako to urobi\u0165, pri\u010dom ka\u017ed\u00fd m\u00e1 svoje v\u00fdhody a nev\u00fdhody. Tu s\u00fa niektor\u00e9 be\u017en\u00e9 mo\u017enosti:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Va\u0161a banka<\/b><span style=\"font-weight: 400;\"> \u2013 V\u00e4\u010d\u0161ina b\u00e1nk pon\u00faka slu\u017eby medzin\u00e1rodn\u00fdch prevodov pe\u0148az\u00ed. Majte v\u0161ak na pam\u00e4ti, \u017ee poplatky m\u00f4\u017eu by\u0165 vysok\u00e9, najm\u00e4 pri men\u0161\u00edch prevodoch.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Poskytovatelia slu\u017eieb prevodu pe\u0148az\u00ed<\/b><span style=\"font-weight: 400;\"> \u2013 Spolo\u010dnosti ako Wise, WorldRemit alebo XE pon\u00fakaj\u00fa konkuren\u010dn\u00e9 v\u00fdmenn\u00e9 kurzy a ni\u017e\u0161ie poplatky v porovnan\u00ed s tradi\u010dn\u00fdmi bankami.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aplik\u00e1cie na platby medzi osobami (P2P)<\/b><span style=\"font-weight: 400;\"> \u2013 Slu\u017eby ako PayPal alebo Revolut v\u00e1m umo\u017e\u0148uj\u00fa posiela\u0165 a prij\u00edma\u0165 peniaze do zahrani\u010dia s mo\u017enos\u0165ou okam\u017eit\u00fdch prevodov. Poplatky sa l\u00ed\u0161ia v z\u00e1vislosti od sumy a cie\u013eovej krajiny.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Holandsko m\u00e1 prosperuj\u00faci bankov\u00fd sektor, ktor\u00fd je zn\u00e1my silnou konkurenciou medzi mno\u017estvom in\u0161tit\u00faci\u00ed. Pre jednotlivcov aj firmy existuje \u0161irok\u00e1 \u0161k\u00e1la mo\u017enost\u00ed, ktor\u00e9 vyhovuj\u00fa r\u00f4znym finan\u010dn\u00fdm potreb\u00e1m. Av\u0161ak, s to\u013ek\u00fdmi dostupn\u00fdmi mo\u017enos\u0165ami si v\u00fdber spr\u00e1vnej banky vy\u017eaduje d\u00f4kladn\u00e9 zv\u00e1\u017eenie. V tomto \u010dl\u00e1nku sa ponor\u00edme do k\u013e\u00fa\u010dov\u00fdch faktorov, na ktor\u00e9 by ste mali myslie\u0165, vr\u00e1tane d\u00f4le\u017eitosti digit\u00e1lneho&#8230;<\/p>\n","protected":false},"author":30,"featured_media":1220595,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1228,1229],"tags":[],"class_list":["post-1220593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-praca","category-zivot","work-category-praca-v-zahranice"],"acf":[],"_links":{"self":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts\/1220593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/comments?post=1220593"}],"version-history":[{"count":3,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts\/1220593\/revisions"}],"predecessor-version":[{"id":1247721,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts\/1220593\/revisions\/1247721"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/media\/1220595"}],"wp:attachment":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/media?parent=1220593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/categories?post=1220593"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/tags?post=1220593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}