{"id":24135,"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-kaj-pomenijo-kode-banka-stevilka-iban-bic-sepa-in-sha\/"},"modified":"2024-12-29T16:25:00","modified_gmt":"2024-12-29T15:25:00","slug":"6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean","status":"publish","type":"faq","link":"https:\/\/info.openlane.eu\/sl\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/","title":{"rendered":"6.7 Kaj pomenijo ban\u010dne kode IBAN, BIC, SEPA in SHA?"},"content":{"rendered":"
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\u010ce \u017eelite izvajati pla\u010dila, morate razumeti razli\u010dne banke kode, povezane s tem. V nadaljevanju je pojasnjeno, kaj te oznake pomenijo in za katere vrste transakcij se uporabljajo.<\/p>\n

\u0160tevilka IBAN (Mednarodna \u0161tevilka ban\u010dnega ra\u010duna)<\/strong>
\n\u0160tevilka IBAN je mednarodno priznana, standardizirana \u0161tevilka, ki se uporablja za identifikacijo ban\u010dnega ra\u010duna. Vsebuje do 34 alfanumeri\u010dnih znakov, za\u010dne se z dvomestno dr\u017eavno kodo, ki ji sledita dve kontrolni \u0161tevilki, ki potrjujeta veljavnost \u0161tevilke IBAN, kon\u010da pa se z BBAN (Basic Bank Account Number), ki vsebuje posebne podatke o banki in ra\u010dunu. Oblika BBAN se razlikuje od dr\u017eave do dr\u017eave, na splo\u0161no pa vklju\u010duje kodo banke in kodo podru\u017enice.<\/p>\n

BIC (Bank Identifier Code) oziroma koda SWIFT<\/strong>
\nBIC in koda SWIFT ozna\u010dujeta isto stvar: kodo, ki vsebuje od 8 do 11 znakov, in se uporablja za identifikacijo dolo\u010dene banke v mednarodni transakciji. Vsaka banka ima edinstveno kodo BIC\/SWIFT, ki zagotavlja, da denarni prenosi prispejo na pravo mesto.<\/p>\n

SEPA (Single Euro Payments Area)<\/strong>
\nSEPA je vseevropsko omre\u017eje, ki omogo\u010da po\u0161iljanje in prejemanje pla\u010dil v evrih (\u20ac) med dvema ban\u010dnima ra\u010dunoma znotraj evroobmo\u010dja. S SEPA je prenos denarja znotraj evroobmo\u010dja enostaven, kot doma\u010di prenos z ban\u010dnega ra\u010duna. Nizozemska SEPA vklju\u010duje 36 dr\u017eav \u010dlanic: Andora, Avstrija, Belgija, Bolgarija, Hrva\u0161ka, Ciper, \u010ce\u0161ka, Danska, Estonija, Finska, Francija, Nem\u010dija, Gr\u010dija, Mad\u017earska, Islandija, Irska, Italija, Latvija, Lihten\u0161tajn, Litva, Luksemburg, Malta, Monako, Norve\u0161ka, Poljska, Portugalska, Romunija, San Marino, Slova\u0161ka, Slovenija, \u0160panija, \u0160vedska, \u0160vica in Zdru\u017eeno Kraljestvo, ki kljub brexitu ostaja \u010dlanica SEPA.<\/p>\n

SHA (v skupni rabi)<\/strong>
\nSHA pomeni, da pla\u010date samo stro\u0161ke odhodnega prenosa z va\u0161ega ban\u010dnega ra\u010duna. Va\u0161e pla\u010dilo bomo prejeli, zmanj\u0161ano za pristojbino za koresponden\u010dne storitve banke, tj. stro\u0161ke posrednika banke.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u010ce \u017eelite izvajati pla\u010dila, morate razumeti razli\u010dne banke kode, povezane s tem. V nadaljevanju je pojasnjeno, kaj te oznake pomenijo in za katere vrste transakcij se uporabljajo. \u0160tevilka IBAN (Mednarodna \u0161tevilka ban\u010dnega ra\u010duna) \u0160tevilka IBAN je mednarodno priznana, standardizirana \u0161tevilka, ki se uporablja za identifikacijo ban\u010dnega ra\u010duna. Vsebuje do 34 alfanumeri\u010dnih znakov, za\u010dne se z…<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"faq_category":[587],"class_list":["post-24135","faq","type-faq","status-publish","hentry","faq_category-cost-payments"],"acf":[],"yoast_head":"\n6.7 Kaj pomenijo ban\u010dne kode IBAN, BIC, SEPA in 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\/sl\/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=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6.7 Kaj pomenijo ban\u010dne kode IBAN, BIC, SEPA in SHA?\" \/>\n<meta property=\"og:description\" content=\"\u010ce \u017eelite izvajati pla\u010dila, morate razumeti razli\u010dne banke kode, povezane s tem. 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