Kako ravnati, da nas zaradi dopusta banke in prodajalci ne bodo še dodatno olupili?

Pri menjavi 100 evrov v hrvaške kune je razlika med najmanj in najbolj ugodno slovensko banko 25 kun, kar je slabe tri evre in pol. Pri dvigu gotovine prek bankomata pa lahko v tujini po nepotrebnem plačamo tudi več deset evrov.

V Zvezi potrošnikov Slovenije so ugotavljali razlike med menjalnimi tečaji, ki jih banke in hranilnice objavljajo na svojih spletnih mestih (izjema je Primorska hranilnica Vipava). Ugotovili so, da so razlike med tečaji večje kot so pričakovali.

Poleg tega nekatere banke v Sloveniji zaračunavajo visoke provizije:

  • Gorenjska banka in NLB provizijo zaračunavajo le nekomitentom (najmanj 5 evrov),
  • Abanka provizijo zaračunava tudi svojim strankam (najmanj 2 oziroma 4,5 evrov),
  • v Banki Sparkasse in UniCredit banki pa lahko tuje valute kupijo le njihove stranke.

Menjalne tečaje za hrvaške kune na dan 27. 6. 2019 in višino provizij si oglejte v preglednici.

Vir: ZPS

Menjalni tečaji se spreminjajo dnevno

Menjalne tečaje za hrvaške kune in druge tuje valute najdemo na spletnih mestih bank in hranilnic, običajno so povezave na dnu osnovne spletne strani.

Ko kupujemo tujo gotovino, moramo pogledati prodajni tečaj, hkrati pa moramo povsod, tako doma kot v tujini, vprašati tudi za provizijo, saj nam tega bančni uslužbenci ne bodo sami povedali.

Kako je s plačevanjem z bančno kartico zunaj evrskega območja?

Kdor potuje v države, kjer ne uporabljajo evra, med njimi je tudi sosednja Hrvaška, mora biti pri plačevanju in dvigih gotovine ali plačevanju z bančno kartico še bolj pazljiv. Banke si namreč že dlje časa izmišljajo vedno nove načine, kako zaslužiti, ko morajo turisti evre ali katero drugo tujo valuto zamenjati v hrvaške kune. Zadnji primer tega je nudenje t. i. fiksnega tečaja.

Če se osredotočimo na Hrvaško. Banke v sosednji državi so sicer že pred leti na svojih bankomatih uvedle opcijo, po kateri mora turist, ki želi dvigniti denar (kune), izbrati med možnostjo, da dvig izvede s konverzijo in brez nje.

  • Če izbere dvig s konverzijo, to pomeni, da pri dvigu – pretvorbi evrov v kune velja tečaj, kot ga določi banka, lastnica bankomata, in je praviloma slabši.
  • Če pa turist izbere dvig brez konverzije, pretvorbo izvede domača banka imetnika računa po svojem običajnem dnevnem tečaju, ki je praviloma vedno boljši.

Ker ponujanje dviga kun s konverzijo ali brez nje obstaja že več let in so se turisti že podučili, v čem je razlika, so se nekatere banke na Hrvaškem domislile še dodatne ukane, kako čim bolj molsti turiste.

Tako je na primer poslovna mreža Euronet (pri tem ni edina), ki ima svoje bankomate v vseh večjih turističnih središčih, za tiste, ki ob dvigu kun na bankomatu izberejo opcijo “brez konverzije”, uvedla še dodatno obvezno izbiro. Tako morajo takoj potem, ko izberejo možnost “brez konverzije”, izbrati še med možnostma, da se pretvorba izvede po fiksnem tečaju, ki jim ga ponudi bankomat (pri tem se izpiše tudi znesek v evrih), in možnostjo, da se pretvorba izvede pozneje, kar pomeni, da jo po svojem (boljšem) tečaju izvede domača banka imetnika računa.

Predvidevamo lahko, da ni malo turistov, ki v tej poplavi izbir izberejo zanje manj ugodno možnost, to je, da se pretvorba izvede takoj, po trenutnem fiksnem tečaju, ki ga ponudi bankomat.

V praksi to izgleda tako, da je razlika, na primer pri dvigu 1600 kun, tudi do 25 evrov v škodo imetnika računa. Toliko zgolj pri enkratnem dvigu zasluži poslovna mreža Euronet, ki pa se s tem ne zadovolji. Hkrati ob vsakem dvigu zaračunajo še dodatnih 22 kun (dobre tri evre) “običajne” provizije.

Kaj pa v trgovini oziroma pri plačilu storitev ali blaga? Ko prodajalec opravi transakcijo namesto nas, je treba izrecno zahtevati plačilo v lokalni valuti.

Na splošno velja, da se je treba pred odhodom v tujino pripraviti tudi na plačila in si vnaprej zapisati ali pa sproti preveriti menjalni tečaj, torej si odgovoriti na vprašanje: “Koliko lokalne valute dobim za en evro?”, da bomo pri plačevanju lažje opazili morebitne razlike, opozarjajo tudi v ZPS.

C. R.

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