{"id":14474,"date":"2019-10-15T08:00:44","date_gmt":"2019-10-15T08:00:44","guid":{"rendered":"http:\/\/www.racunovodstvo-kosljar.com\/?p=14474"},"modified":"2026-04-10T11:45:35","modified_gmt":"2026-04-10T11:45:35","slug":"zavrnitev-odprtja-racuna","status":"publish","type":"post","link":"https:\/\/www.racunovodstvo-kosljar.com\/en\/zavrnitev-odprtja-racuna\/","title":{"rendered":"Zavrnitev odprtja ra\u010duna ?"},"content":{"rendered":"<p>Na Zdru\u017eenje bank Slovenije se je obrnila fizi\u010dna oseba, ker so mu tri banke zavrnile odprtje osebnega ra\u010duna. Ali je to dopustno?<\/p>\n<p>Podro\u010dje ureja <u><a href=\"http:\/\/www.pisrs.si\/Pis.web\/pregledPredpisa?id=ZAKO7574\">Zakon o pla\u010dilnih storitvah, storitvah izdajanja elektronskega denarja in pla\u010dilnih sistemih<\/a> (v nadaljevanju Zakon)<\/u>, ki ne pozna omejitev v zvezi z odpiranjem transakcijskega ra\u010duna pri banki ali hranilnici. Pri odpiranju transakcijskega ra\u010duna gre za poslovno odlo\u010ditev banke, ali bo z dolo\u010deno stranko poslovno sodelovala, ali ne. Posamezna banka lahko torej zaradi poslovne politike zavrne sodelovanje s posameznikom, ki ima npr. blokiran transakcijski ra\u010dun pri kateri od drugih bank ali ima neizpolnjene obveznosti do banke na podlagi morebitnega predhodnega poslovnega razmerja med njima oziroma ima banka na splo\u0161no slabe poslovne izku\u0161nje z dolo\u010denim posameznikom.<\/p>\n<p>Ne glede na zgoraj navedeno splo\u0161no ureditev ima potro\u0161nik pod dolo\u010denimi pogoji mo\u017enost dostopa do osnovnega pla\u010dilnega ra\u010duna, ki je oblika transakcijskega oziroma pla\u010dilnega ra\u010duna. Do osnovnega pla\u010dilnega ra\u010duna je v skladu z Zakonom upravi\u010den vsak potro\u0161nik, ki zakonito prebiva v Evropski uniji, vklju\u010dno s potro\u0161nikom brez stalnega naslova in prosilcem za azil ter potro\u0161nikom, ki mu dovoljenje za bivanje ni bilo odobreno, vendar njegov izgon iz pravnih ali dejanskih razlogov ni mogo\u010d.<\/p>\n<p>Pro\u0161njo za odprtje osnovnega pla\u010dilnega ra\u010duna mora banka (oziroma hranilnica) zavrniti, kadar bi odprtje tak\u0161nega ra\u010duna povzro\u010dilo kr\u0161itev dolo\u010db zakona, ki ureja prepre\u010devanje pranja denarja in financiranja terorizma. Poleg tega pa ima banka mo\u017enost, da zavrne pro\u0161njo potro\u0161nika za odprtje osnovnega pla\u010dilnega ra\u010duna tudi v primerih, ki so izrecno dolo\u010deni z zakonom, in sicer:<\/p>\n<ul>\n<li>\u010de potro\u0161nik \u017ee ima pla\u010dilni ra\u010dun pri banki v Republiki Sloveniji, ki mu omogo\u010da uporabo pla\u010dilnih storitev, ki so na voljo v okviru osnovnega pla\u010dilnega ra\u010duna (razen kadar potro\u0161nik navede, da je bil obve\u0161\u010den o tem, da bo ta pla\u010dilni ra\u010dun zaprt), torej \u010de ima \u017ee pla\u010dilni ra\u010dun, ki mu omogo\u010da enak nabor storitev kot osnovni pla\u010dilni ra\u010dun;<\/li>\n<li>\u010de potro\u0161nik kr\u0161i ali je v zadnjih treh letih kr\u0161il pogodbeno obveznost do banke;<\/li>\n<li>\u010de ima banka informacije, da je na pla\u010dilnem ra\u010dunu potro\u0161nika, vklju\u010dno z osnovnim pla\u010dilnim ra\u010dunom, zaradi pomanjkanja denarnih sredstev na tem ra\u010dunu, vzpostavljena evidenca o neizvr\u0161enih sklepih za izvr\u0161bo ali prisilno izterjavo.<\/li>\n<\/ul>\n<p>Osnovni pla\u010dilni ra\u010dun mora v skladu z Zakonom vklju\u010devati vsaj storitve, potrebne za odprtje, vodenje in zaprtje pla\u010dilnega ra\u010duna; storitve, ki omogo\u010dajo polog sredstev na pla\u010dilni ra\u010dun in dvig gotovine s pla\u010dilnega ra\u010duna v Evropski uniji na ban\u010dnem okencu ali na bankomatih med obratovalnim \u010dasom banke ali izven njega; izvr\u0161evanje doma\u010dih in \u010dezmejnih direktnih obremenitev, pla\u010dilnih transakcij s pla\u010dilno kartico, vklju\u010dno s spletnimi pla\u010dili, in izvr\u0161evanje doma\u010dih in \u010dezmejnih kreditnih pla\u010dil, vklju\u010dno s trajnimi nalogi, na terminalih, okencih in prek spletnih storitev banke.<\/p>\n<p>Kaj pa pri pravnih osebah? Kot smo \u017ee omenili ima potro\u0161nik pravico do osnovnega pla\u010dilnega ra\u010duna, \u010de so izpolnjeni pogoji iz 180. \u2013 183. \u010dlena Zakona o pla\u010dilnih storitvah, storitvah izdajanja elektronskega denarja in pla\u010dilnih sistemih (ZPlaSSIED), medtem, ko za pravne osebe\u00a0 te mo\u017enosti ni. Razlogi za ne odprtje ra\u010duna so na strani bank lahko zelo razli\u010dni in jih Zdru\u017eenje bank Slovenije ne more komentirati. Ob tem pojasnjujejo, da gre pri odpiranju transakcijskega ra\u010duna za poslovno odlo\u010ditev banke, ali bo z dolo\u010deno stranko poslovno sodelovala ali ne.<\/p>\n<p>Vir: ZBS<\/p>","protected":false},"excerpt":{"rendered":"<p>Na Zdru\u017eenje bank Slovenije se je obrnila fizi\u010dna oseba, ker so mu tri banke zavrnile odprtje osebnega ra\u010duna. Ali je to dopustno? Podro\u010dje ureja Zakon o pla\u010dilnih storitvah, storitvah izdajanja elektronskega denarja in pla\u010dilnih sistemih (v nadaljevanju Zakon), ki ne pozna omejitev v zvezi z  [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":12957,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-14474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-novice"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zavrnitev odprtja ra\u010duna ? - Ra\u010dunovodski servis Ko\u0161ljar<\/title>\n<meta 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