{"id":24027,"date":"2024-07-09T08:35:58","date_gmt":"2024-07-09T06:35:58","guid":{"rendered":"https:\/\/info.openlane.eu\/help\/faq\/%faq_category%\/6-7-co-znamenaju-kody-banka-iban-bic-sepa-a-sha\/"},"modified":"2024-12-15T18:19:35","modified_gmt":"2024-12-15T17:19:35","slug":"6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean","status":"publish","type":"faq","link":"https:\/\/info.openlane.eu\/sk\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/","title":{"rendered":"6.7 \u010co znamenaj\u00fa bankov\u00e9 k\u00f3dy IBAN, BIC, SEPA a SHA?"},"content":{"rendered":"<p>Aby ste mohli uskuto\u010d\u0148ova\u0165 platby, mus\u00edte pozna\u0165 r\u00f4zne bankov\u00e9 k\u00f3dy, ktor\u00e9 s\u00fa s t\u00fdm spojen\u00e9. V nasleduj\u00facom texte n\u00e1jdete vysvetlenie, \u010do tieto k\u00f3dy znamenaj\u00fa a na ktor\u00e9 typy transakci\u00ed sa vz\u0165ahuj\u00fa.<\/p>\n<p><strong>IBAN (medzin\u00e1rodn\u00e9 \u010d\u00edslo bankov\u00e9ho \u00fa\u010dtu)<br \/>\n<\/strong>IBAN je medzin\u00e1rodne uzn\u00e1van\u00e9, \u0161tandardizovan\u00e9 \u010d\u00edslo, ktor\u00e9 sa pou\u017e\u00edva na identifik\u00e1ciu bankov\u00e9ho \u00fa\u010dtu. Obsahuje a\u017e 34 alfanumerick\u00fdch znakov, za\u010d\u00edna dvojmiestnym k\u00f3dom krajiny, po ktorom nasleduj\u00fa dve kontroln\u00e9 \u010d\u00edslice potvrdzuj\u00face platnos\u0165 IBAN, a kon\u010d\u00ed BBAN (z\u00e1kladn\u00fdm \u010d\u00edslom bankov\u00e9ho \u00fa\u010dtu), ktor\u00e9 obsahuje konkr\u00e9tne \u00fadaje o banke a \u00fa\u010dte. Form\u00e1t BBAN sa v jednotliv\u00fdch krajin\u00e1ch l\u00ed\u0161i, vo v\u0161eobecnosti v\u0161ak obsahuje k\u00f3d banky a k\u00f3d pobo\u010dky.<\/p>\n<p><strong>BIC (bankov\u00fd identifika\u010dn\u00fd k\u00f3d), alias SWIFT k\u00f3d<br \/>\n<\/strong>BIC a SWIFT k\u00f3d ozna\u010duj\u00fa to ist\u00e9: k\u00f3d pozost\u00e1vaj\u00faci z 8 a\u017e 11 znakov, ktor\u00fd sa pou\u017e\u00edva na identifik\u00e1ciu konkr\u00e9tnej banky pri medzin\u00e1rodnej transakcii. Ka\u017ed\u00e1 banka m\u00e1 jedine\u010dn\u00fd BIC k\u00f3d\/SWIFT k\u00f3d, ktor\u00fd zabezpe\u010duje, \u017ee prevody pe\u0148az\u00ed skon\u010dia na spr\u00e1vnom mieste.<\/p>\n<p><strong>SEPA (jednotn\u00e1 oblas\u0165 platieb v eur\u00e1ch)<br \/>\n<\/strong>SEPA je celoeur\u00f3pska sie\u0165, ktor\u00e1 umo\u017e\u0148uje posiela\u0165 a prij\u00edma\u0165 platby v eur\u00e1ch (\u20ac) medzi dvoma bankov\u00fdmi \u00fa\u010dtami v r\u00e1mci euroz\u00f3ny. V\u010faka SEPA je prevod pe\u0148az\u00ed v r\u00e1mci euroz\u00f3ny rovnako jednoduch\u00fd ako dom\u00e1ci bankov\u00fd prevod. SEPA m\u00e1 36 \u010dlensk\u00fdch \u0161t\u00e1tov: Andorra, Belgicko, Bulharsko, Cyprus, \u010cesk\u00e1 republika, D\u00e1nsko, Est\u00f3nsko, F\u00ednsko, Franc\u00fazsko, Gr\u00e9cko, Holandsko, Chorv\u00e1tsko, \u00cdrsko, Island, Lichten\u0161tajnsko, Litva, Loty\u0161sko, Luxembursko, Ma\u010farsko, Malta, Monako, Nemecko, N\u00f3rsko, Po\u013esko, Portugalsko, Rak\u00fasko, Rumunsko, San Mar\u00edno, Slovensko, Slovinsko, \u0160panielsko, \u0160vaj\u010diarsko, \u0160v\u00e9dsko, Taliansko a Vatik\u00e1n. Spojen\u00e9 kr\u00e1\u013eovstvo napriek brexitu zost\u00e1va krajinou SEPA.<\/p>\n<p><strong>SHA (zdie\u013ean\u00e9)<br \/>\n<\/strong>SHA znamen\u00e1, \u017ee plat\u00edte len poplatok za odch\u00e1dzaj\u00faci prevod va\u0161ej banky. My dostaneme va\u0161u platbu zn\u00ed\u017een\u00fa o poplatok kore\u0161ponden\u010dnej banky, t. j. o poplatky sprostredkuj\u00facej banky.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aby ste mohli uskuto\u010d\u0148ova\u0165 platby, mus\u00edte pozna\u0165 r\u00f4zne bankov\u00e9 k\u00f3dy, ktor\u00e9 s\u00fa s t\u00fdm spojen\u00e9. V nasleduj\u00facom texte n\u00e1jdete vysvetlenie, \u010do tieto k\u00f3dy znamenaj\u00fa a na ktor\u00e9 typy transakci\u00ed sa vz\u0165ahuj\u00fa. IBAN (medzin\u00e1rodn\u00e9 \u010d\u00edslo bankov\u00e9ho \u00fa\u010dtu) IBAN je medzin\u00e1rodne uzn\u00e1van\u00e9, \u0161tandardizovan\u00e9 \u010d\u00edslo, ktor\u00e9 sa pou\u017e\u00edva na identifik\u00e1ciu bankov\u00e9ho \u00fa\u010dtu. Obsahuje a\u017e 34 alfanumerick\u00fdch znakov, za\u010d\u00edna&#8230;<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"faq_category":[567,573],"class_list":["post-24027","faq","type-faq","status-publish","hentry","faq_category-for-buyers","faq_category-cost-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>6.7 \u010co znamenaj\u00fa bankov\u00e9 k\u00f3dy IBAN, BIC, SEPA a SHA? \u2013 OPENLANE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/info.openlane.eu\/sk\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6.7 \u010co znamenaj\u00fa bankov\u00e9 k\u00f3dy IBAN, BIC, SEPA a SHA?\" \/>\n<meta property=\"og:description\" content=\"Aby ste mohli uskuto\u010d\u0148ova\u0165 platby, mus\u00edte pozna\u0165 r\u00f4zne bankov\u00e9 k\u00f3dy, ktor\u00e9 s\u00fa s t\u00fdm spojen\u00e9. 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