{"id":441,"date":"2022-10-02T19:51:08","date_gmt":"2022-10-02T22:51:08","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=441"},"modified":"2023-02-21T23:33:13","modified_gmt":"2023-02-22T02:33:13","slug":"os-melhores-bancos-online-de-2022","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/os-melhores-bancos-online-de-2022\/","title":{"rendered":"Najlep\u0161ie online banky roku 2022"},"content":{"rendered":"<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Ekonomick\u00fd \u017eivot \u010doraz viac Ameri\u010danov sa pres\u00fava do online sveta \u2013 a pre mnoh\u00fdch z n\u00e1s to plat\u00ed tie\u017e. Online banky maj\u00fa ni\u017e\u0161ie re\u017eijn\u00e9 n\u00e1klady ako tradi\u010dn\u00ed konkurenti, \u010do im \u010dasto umo\u017e\u0148uje pon\u00faka\u0165 lep\u0161ie sadzby pre amat\u00e9rov a z\u00e1rove\u0148 \u00fa\u010dtova\u0165 ni\u017e\u0161ie poplatky. Ak v\u00e1m vyhovuje vykon\u00e1va\u0165 z\u00e1kladn\u00e9 finan\u010dn\u00e9 \u00falohy, ako je vkladanie \u0161ekov a prevod finan\u010dn\u00fdch prostriedkov medzi \u00fa\u010dtami prostredn\u00edctvom webovej str\u00e1nky alebo mobilnej aplik\u00e1cie banky, prechod na hardcore online in\u0161tit\u00faciu m\u00f4\u017ee prinies\u0165 nie\u010do ako to najlep\u0161ie z oboch svetov.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Boom online bankovn\u00edctva in\u0161piroval viac in\u0161tit\u00faci\u00ed k vstupu do sveta online bankovn\u00edctva, \u010do je skvel\u00e9, preto\u017ee to zvy\u0161uje konkurenciu, \u010do zvy\u010dajne vedie k atrakt\u00edvnej\u0161\u00edm podmienkam pre z\u00e1kazn\u00edkov. Okrem b\u00e1nk, ktor\u00e9 funguj\u00fa \u00faplne bez fyzickej pobo\u010dky, existuj\u00fa aj \u00faverov\u00e9 dru\u017estv\u00e1, ktor\u00e9 sa riadia egalit\u00e1rskym modelom, ekonomickou sk\u00fasenos\u0165ou \u201cneobank\u201d, ako aj zna\u010dky, ktor\u00e9 m\u00f4\u017eete obdivova\u0165 kv\u00f4li ich kreditn\u00fdm kart\u00e1m alebo finan\u010dn\u00fdm \u00fa\u010dtom.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Nev\u00fdhodou v\u0161etk\u00fdch t\u00fdchto alternat\u00edv je, \u017ee ich m\u00f4\u017ee zatieni\u0165 mnoho r\u00f4znych mo\u017enost\u00ed. Analyzovali sme v\u00fdhody a nev\u00fdhody, aby sme na\u0161li banky, ktor\u00e9 pon\u00fakaj\u00fa kombin\u00e1ciu vysoko kvalitnej transparentnosti, konkurencieschopn\u00fdch \u00farokov\u00fdch sadzieb, pohodln\u00fdch online a mobiln\u00fdch n\u00e1strojov a minim\u00e1lnych poplatkov.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>\u00darokov\u00e9 sadzby s\u00fa aktualizovan\u00e9 k 7. septembru 2022. Viac inform\u00e1ci\u00ed o tom, ako hodnot\u00edme banky, n\u00e1jdete na konci str\u00e1nky.\u00a0<\/span><\/p>\n<p><span>Finan\u010dn\u00e1 in\u0161tit\u00facia Ally, celkovo najvy\u0161\u0161ej kvality.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>K\u013e\u00fa\u010dov\u00e9 \u0161tatistiky:<\/span><\/p>\n<ul>\n<li class=\"css-1fftexy\"><span>Aktivita v prepl\u00e1novan\u00ed: 1,6%<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u00darok zo \u0161eku: 0,25%<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Na otvorenie be\u017en\u00e9ho \u00fa\u010dtu alebo na z\u00edskanie zliav sa nevy\u017eaduje \u017eiadny minim\u00e1lny vklad.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadna minim\u00e1lna po\u017eiadavka na stabilitu ani mesa\u010dn\u00fd poplatok za vedenie be\u017en\u00fdch \u00fa\u010dtov a \u017eiadne zn\u00ed\u017eenie \u00farokovej sadzby.\u00a0<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadne poplatky za pre\u010derpanie<\/span><\/li>\n<li class=\"css-1fftexy\"><span>K dispoz\u00edcii s\u00fa cykly na CD od troch mesiacov do piatich rokov bez minim\u00e1lneho vkladu.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Peer-to-peer prevody pe\u0148az\u00ed so Zelle<\/span><\/li>\n<\/ul>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Pre\u010do sme si ju vybrali: Ally sa stala na\u0161ou preferovanou online finan\u010dnou in\u0161tit\u00faciou pre ka\u017ed\u00fd be\u017en\u00fd a diskontn\u00fd \u00fa\u010det, \u010do je skvel\u00fd sp\u00f4sob, ako si zaru\u010di\u0165 jej pr\u00e1voplatn\u00e9 miesto. Jej \u0161trukt\u00fary \u00fa\u010dtov s\u00fa transparentn\u00e9, jednoduch\u00e9 a nemaj\u00fa \u017eiadne minim\u00e1lne po\u017eiadavky na otvorenie alebo stabilitu. Na ka\u017edom be\u017enom a sporiacom \u00fa\u010dte m\u00f4\u017eete z\u00edska\u0165 \u00faroky za konkurencieschopn\u00fa sadzbu a Ally m\u00e1 v\u0161etky be\u017en\u00e9 vkladov\u00e9 certifik\u00e1ty bez poplatku za v\u00fdber. Jej investi\u010dn\u00e1 platforma nem\u00e1 \u017eiadny minim\u00e1lny \u00fa\u010det a pon\u00faka bezplatn\u00e9 obchodovanie s akciami a ETF.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Spolo\u010dnos\u0165 Ally m\u00e1 poves\u0165 finan\u010dnej in\u0161tit\u00facie, ktor\u00e1 v\u00e1m ne\u00fa\u010dtuje ve\u013ea zbyto\u010dn\u00fdch alebo bezv\u00fdznamn\u00fdch n\u00e1kladov, pri\u010dom sa v anal\u00fdze spokojnosti s priamym bankovn\u00edctvom JD Vigor 2022 v USA umiestnila na druhom mieste v overen\u00ed a na \u0161tvrtom v z\u013eav\u00e1ch.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Mobiln\u00e1 aplik\u00e1cia Ally je neuverite\u013ene dobre hodnoten\u00e1 pou\u017e\u00edvate\u013emi obchodov s aplik\u00e1ciami pre iOS a obsahuje n\u00e1stroje, ktor\u00e9 v\u00e1m pom\u00f4\u017eu lep\u0161ie spravova\u0165 va\u0161e peniaze. Okrem toho sa m\u00f4\u017ee pochv\u00e1li\u0165 komplexnou kni\u017enicou \u010dl\u00e1nkov a kurzov, ktor\u00e9 v\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 vo v\u0161etk\u00fdch aspektoch osobn\u00fdch financi\u00ed, od budovania n\u00fadzov\u00e9ho fondu a\u017e po pos\u00fadenie dostupnosti osobn\u00fdch p\u00f4\u017ei\u010diek a spr\u00e1vu va\u0161ich invest\u00edci\u00ed po\u010das obdob\u00ed volatility trhu.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Upozornenia: Z\u00e1kazn\u00edci syst\u00e9mu Android: Aplik\u00e1cia Ally m\u00e1 v obchode Play pre syst\u00e9m Android hodnotenie 3,9 z mo\u017en\u00fdch 5, hoci sme zistili ni\u017e\u0161ie hodnotenia pre ed\u00edciu online finan\u010dn\u00fdch aplik\u00e1ci\u00ed pre syst\u00e9m Android alebo dokonca ni\u017e\u0161ie hodnotenia vo v\u0161eobecnosti. .\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Aj ke\u010f ich APY za overenie patr\u00ed medzi najlep\u0161ie pon\u00fakan\u00e9, ich sadzby za z\u013eavnen\u00e9 \u00fa\u010dty a vkladov\u00e9 certifik\u00e1ty nie s\u00fa, tak\u017ee to nemus\u00ed by\u0165 najefekt\u00edvnej\u0161ia vo\u013eba, ak h\u013ead\u00e1te bezpe\u010dn\u00e9 miesto na ulo\u017eenie svojich finan\u010dn\u00fdch prostriedkov a ich \u00faro\u010denie.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>R\u00f4zne banky, ktor\u00e9 sme zva\u017eovali: Online \u00faverov\u00e1 \u00fania Alliant m\u00e1 vynikaj\u00facu mieru aktivity svojich be\u017en\u00fdch \u00fa\u010dtov a zliav a bezprobl\u00e9mov\u00fd pou\u017e\u00edvate\u013esk\u00fd z\u00e1\u017eitok, ale Ally vyhr\u00e1va, pokia\u013e ide o vkladov\u00e9 certifik\u00e1ty: Neexistuje \u017eiadne minimum ani \u017eiadna sankcia \u2013 v\u00fdber vkladov\u00e9ho certifik\u00e1tu; Alliant m\u00e1 minimum $ 1 000 a \u017eiadnu alternat\u00edvu bez sankci\u00ed.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Neobank SoFi pon\u00faka \u0161irok\u00fd v\u00fdber cenn\u00fdch papierov kryt\u00fdch hypot\u00e9kami a priazniv\u00e9 ceny vkladov\u00fdch \u00fa\u010dtov, ale rie\u0161enie, ktor\u00e9 SoFi vytvorila pre hedging FDIC bez vlastnej bankovej \u00fastavy, vystavuje vkladate\u013eov riziku, hoci mal\u00e9mu, straty. Je pravda, \u017ee mo\u017eno chcete ve\u013emi nezdrav\u00fd \u00faspech, ale neodpor\u00fa\u010dame ju ako prim\u00e1rnu finan\u010dn\u00fa in\u0161tit\u00faciu.<\/span><\/p>\n<p><span>hlavn\u00fd dod\u00e1vate\u013e spotrebite\u013esk\u00fdch slu\u017eieb Charles Schwab<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>K\u013e\u00fa\u010dov\u00e9 \u0161tatistiky:<\/span><\/p>\n<ul>\n<li class=\"css-1fftexy\"><span>z\u00e1bava v \u00faspor\u00e1ch: 0,28%<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Aktivita v overovan\u00ed: 0,25%<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Na otvorenie be\u017en\u00e9ho \u00fa\u010dtu alebo na z\u00edskanie zliav sa nevy\u017eaduje \u017eiadny minim\u00e1lny vklad, mus\u00edte v\u0161ak ma\u0165 \u00fa\u010det u makl\u00e9rskej spolo\u010dnosti Schwab.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadna minim\u00e1lna po\u017eiadavka na stabilitu ani mesa\u010dn\u00fd poplatok za ochranu be\u017en\u00e9ho \u00fa\u010dtu \u010di zliav.\u00a0<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadne poplatky za pre\u010derpanie<\/span><\/li>\n<li class=\"css-1fftexy\"><span>obrovsk\u00e9 n\u00e1stroje a prvky makl\u00e9rstva a spr\u00e1vy d\u00f4chodkov\u00fdch \u00fa\u010dtov.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Prevody finan\u010dn\u00fdch prostriedkov medzi pou\u017e\u00edvate\u013emi so Zelle<\/span><\/li>\n<\/ul>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Pre\u010do sme si ju vybrali: Ur\u010dite pozn\u00e1te rozsiahle mo\u017enosti spolo\u010dnosti Charles Schwab v oblasti d\u00f4chodkov\u00e9ho zabezpe\u010denia a akci\u00ed, ale t\u00e1to zaveden\u00e1 spolo\u010dnos\u0165 je z\u00e1rove\u0148 len spiacim \u00faspechom v oblasti online bankovn\u00edctva. Jej vysokov\u00fdnosn\u00e9 be\u017en\u00e9 \u00fa\u010dty pre investorov a nadmern\u00e9 diskontn\u00e9 sadzby pre investorov s\u00fa d\u00f4kazom transparentnosti a vysoko cenen\u00e9ho z\u00e1kazn\u00edckeho servisu bez jedin\u00e9ho centa.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Okrem toho, \u017ee Schwab nem\u00e1 \u017eiadne minim\u00e1lne po\u017eiadavky na stabilitu a mesa\u010dn\u00e9 poplatky za ochranu, nem\u00f4\u017ee si \u00fa\u010dtova\u0165 poplatky za transakcie v bankomatoch mimo krajiny a prepl\u00e1ca poplatky za bankomaty od r\u00f4znych in\u0161tit\u00faci\u00ed. Ak \u010dasto cestujete, ur\u010dite si uvedom\u00edte, \u017ee transak\u010dn\u00e9 poplatky v zahrani\u010d\u00ed nie s\u00fa mo\u017en\u00e9. A samozrejme, pre investorov Schwab pon\u00faka cel\u00fd rad online v\u00fdskumn\u00fdch a \u010fal\u0161\u00edch materi\u00e1lov, ktor\u00e9 im pom\u00f4\u017eu \u013eahko spravova\u0165 a zhodnocova\u0165 va\u0161e peniaze.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Ak u\u017e m\u00e1te makl\u00e9rsky \u00fa\u010det u Schwab \u2013 alebo sa chyst\u00e1te si ho otvori\u0165 \u2013 tu je pekn\u00e1 alternat\u00edva, ktor\u00fa m\u00f4\u017eete prija\u0165 ako pravdu: Schwab sa tie\u017e umiestnil medzi tromi najlep\u0161\u00edmi spr\u00e1vnymi respondentmi v prieskume JD Vigor a jeho aplik\u00e1cia pre iOS m\u00e1 vynikaj\u00face \u0161t\u00fadie (jeho pr\u00edbehy pou\u017e\u00edvate\u013eov pre Android s\u00fa len priemern\u00e9, zistili sme, \u017ee mlad\u00ed \u013eudia s\u00fa \u0161tandardom triedy).\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Upozornenia: Neexistuje \u017eiadna minim\u00e1lna suma na zalo\u017eenie be\u017en\u00e9ho alebo poplatkov\u00e9ho \u00fa\u010dtu; vstup je v\u0161ak obmedzen\u00fd na v\u00e1\u017een\u00fdch klientov s brokersk\u00fdm \u00fa\u010dtom Schwab. Preto, ak si nechcete alebo nepotrebujete otvori\u0165 brokersk\u00fd \u00fa\u010det, nemus\u00ed sa oplati\u0165 ho otvori\u0165 len preto, aby ste z\u00edskali pekn\u00e9 klientske \u0161eky a z\u013eavy.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Hoci Schwab pon\u00faka konkurencieschopn\u00fa ro\u010dn\u00fa \u00farokov\u00fa sadzbu (APY) za overenie, miera n\u00e1vratnosti jeho sporiacich \u00fa\u010dtov je v porovnan\u00ed s akouko\u013evek inou online bankou n\u00edzka.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>\u010eal\u0161ie banky, ktor\u00e9 sme zva\u017eovali: Vkladali sme ve\u013ek\u00e9 n\u00e1deje do banky Find, ktor\u00e1 bola zalo\u017een\u00e1 na jej ponuk\u00e1ch bankov\u00fdch kariet a p\u00f4\u017ei\u010diek s be\u017en\u00fdm a debetn\u00fdm \u00fa\u010dtom. Be\u017en\u00fd \u00fa\u010det sa zdal by\u0165 \u00fa\u010dinn\u00fdm konkurentom s mo\u017enos\u0165ou vyhra\u0165 z\u00e1bavn\u00e9 a pe\u0148a\u017en\u00e9 odmeny, minim\u00e1lnymi v\u00fddavkami a vysok\u00fdm hodnoten\u00edm pre ka\u017ed\u00fa z\u00e1kazn\u00edcku aplik\u00e1ciu a oper\u00e1tora. Bohu\u017eia\u013e, nov\u00e1 verzia jej debetn\u00e9ho \u00fa\u010dtu je v \u010dase tejto recenzie pre nov\u00fdch z\u00e1kazn\u00edkov nedostupn\u00e1 (peniaze dl\u017en\u00e9 existuj\u00facimi z\u00e1kazn\u00edkmi to neovplyv\u0148uje).<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>USAA m\u00e1 sk\u00f3re spokojnosti z\u00e1kazn\u00edkov, ktor\u00e9 prevy\u0161uje ostatn\u00e9, ale \u010dlenstvo je obmedzen\u00e9 na osoby s vojenskou pr\u00edslu\u0161nos\u0165ou a v porovnan\u00ed s \u010disto online bankami s\u00fa jej v\u00fdnosy z be\u017en\u00fdch \u00fa\u010dtov a z\u013eavy minim\u00e1lne.<\/span><\/p>\n<p><span>Ide\u00e1lne na vykon\u00e1vanie v\u0161etk\u00fdch va\u0161ich bankov\u00fdch oper\u00e1ci\u00ed na jednom, kategorizovanom americkom mieste.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>K\u013e\u00fa\u010dov\u00e9 \u0161tatistiky:<\/span><\/p>\n<ul>\n<li class=\"css-1fftexy\"><span>z\u00e1bava v redukci\u00e1ch: 1. Sedemdesiatp\u00e4\u0165 %<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Aktivita v overovan\u00ed: 0,6%<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadny minim\u00e1lny vklad na otvorenie be\u017en\u00e9ho \u00fa\u010dtu ani z\u013eavnen\u00e9 poplatky.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>mo\u017enos\u0165 z\u00edska\u0165 odmeny cashback za debetn\u00e9 transakcie<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadna minim\u00e1lna po\u017eiadavka na stabilitu ani mesa\u010dn\u00fd poplatok za vedenie be\u017en\u00e9ho \u00fa\u010dtu alebo zn\u00ed\u017eenie.\u00a0<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadne poplatky za pre\u010derpanie<\/span><\/li>\n<li class=\"css-1fftexy\"><span>K dispoz\u00edcii s\u00fa fr\u00e1zy na CD od jedn\u00e9ho do piatich rokov, bez minim\u00e1lneho vkladu.<\/span><\/li>\n<\/ul>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Pre\u010do sme si to vybrali: Zatia\u013e \u010do st\u00e1tis\u00edce Ameri\u010danov maj\u00fa v pe\u0148a\u017eenke kreditn\u00fa alebo debetn\u00fa kartu American Express, aby mohli vyu\u017e\u00edva\u0165 be\u017en\u00e9 \u010dlensk\u00e9 v\u00fdhody spolo\u010dnosti, finan\u010dn\u00e1 in\u0161tit\u00facia nie je nedbal\u00e1 ani v oblasti odmien: V\u00e1\u0161 be\u017en\u00fd \u00fa\u010det je jedn\u00fdm z nieko\u013ek\u00fdch, ktor\u00e9 sme zistili, \u017ee pon\u00fakaj\u00fa cashback za n\u00e1kupy uskuto\u010dnen\u00e9 va\u0161ou debetnou kartou, \u010do v\u00e1m d\u00e1va \u010fal\u0161\u00ed sp\u00f4sob, ako zarobi\u0165 peniaze okrem po sebe nasleduj\u00facich a in\u00fdch odmien nad r\u00e1mec transakci\u00ed s kreditnou kartou. Hotovos\u0165 na svojom be\u017enom \u00fa\u010dte zar\u00e1bate aj prostredn\u00edctvom \u0161tedrej\u0161\u00edch APY, ktor\u00e9 sme v tejto lekcii zva\u017eovali.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Va\u0161e dlhy s\u00fa \u010dist\u00e9 a prekvapivo bez mesa\u010dn\u00fdch poplatkov alebo \u0161okov\u00fdch poplatkov. M\u00f4\u017eete si tie\u017e otvori\u0165 vkladov\u00e9 certifik\u00e1ty s dobou splatnosti od jedn\u00e9ho do piatich rokov, bez minim\u00e1lneho vkladu a s konkurencieschopn\u00fdmi \u00farokov\u00fdmi sadzbami (hoci neexistuj\u00fa \u017eiadne alternat\u00edvne mo\u017enosti v\u00fdberu bez sankci\u00ed).\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Kategorick\u00e9 bankov\u00e9 produkty spolo\u010dnosti American Banking s\u00fa neuverite\u013ene dobre hodnoten\u00e9 respondentmi prieskumu JD Vigor a maj\u00fa tie\u017e takmer vynikaj\u00face spotrebite\u013esk\u00e9 hodnotenie 4,9 (z 5) v obchode iOS App Store a siln\u00e9 4,2 v obchode Android Play Store.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Upozornenia: Na otvorenie z\u013eavov\u00e9ho \u00fa\u010dtu alebo spr\u00e1vu sporiaceho \u00fa\u010dtu prostredn\u00edctvom mobilnej aplik\u00e1cie mus\u00edte by\u0165 dr\u017eite\u013eom kreditnej karty AmEx \u2013 ak ste v\u0161ak u\u017e s\u00fa\u010das\u0165ou ekosyst\u00e9mu AmEx, tu je jednoduch\u00fd a r\u00fdchly sp\u00f4sob, ako spravova\u0165 svoje \u010dasom overen\u00e9 peniaze.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>V\u00fdber IRA od AmEx je v porovnan\u00ed s mnoh\u00fdmi in\u00fdmi online bankami obmedzen\u00fd a nepon\u00faka peer-to-peer prevody so Zelle.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>\u010eal\u0161ie banky, ktor\u00e9 sme zva\u017eovali: LendingClub m\u00e1 niektor\u00e9 v\u00fdhody \u0161pi\u010dkov\u00fdch \u00fa\u010dtov a zliav: \u017eiadne mesa\u010dn\u00e9 poplatky, \u017eiadne poplatky za pre\u010derpanie a z\u013eavy v bankomatoch mimo komunity, ako aj vynikaj\u00facu ro\u010dn\u00fa \u00farokov\u00fa sadzbu za diskontn\u00e9 sadzby, ale vzh\u013eadom na to, \u017ee (preto\u017ee to nazna\u010duje identifik\u00e1cia) pon\u00faka ve\u013ea \u00faverov\u00fdch produktov, nem\u00e1 ve\u013ea r\u00f4znych bankov\u00fdch alternat\u00edv, ako s\u00fa vkladov\u00e9 certifik\u00e1ty alebo IRA a in\u00e9 finan\u010dn\u00e9 \u00fa\u010dty.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Capital One sa umiestnila ako na\u0161a najlep\u0161ia vo\u013eba v oblasti be\u017en\u00fdch \u0161ekov a zliav na \u00fa\u010dty v\u010faka svojej transparentnosti a odhodlaniu zakazova\u0165 ved\u013eaj\u0161ie a repres\u00edvne ceny. Capital One m\u00e1 tie\u017e rozsiahle pokrytie bankov\u00fdch kariet; ich z\u00e1loha v\u0161ak nepon\u00faka \u017eiadnu mo\u017enos\u0165 zhroma\u017e\u010fovania odmien ani ich kombinovania s odmenami z bankov\u00fdch kariet.\u00a0<\/span><\/p>\n<p><span>Najvhodnej\u0161ie pre pomoc s aplik\u00e1ciou a rozpo\u010dtom finan\u010dnej in\u0161tit\u00facie Varo<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>K\u013e\u00fa\u010dov\u00e9 \u0161tatistiky:<\/span><\/p>\n<ul>\n<li class=\"css-1fftexy\"><span>Aktivita so z\u013eavami: a\u017e do 5% s odstup\u0148ovan\u00fdmi cenami.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u00darok z overenia: 0<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Mo\u017enos\u0165 2D bankovn\u00edctva (nepou\u017e\u00edva ChexSystems)<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadne mesa\u010dn\u00e9 poplatky<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadne poplatky za pre\u010derpanie<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadne vkladov\u00e9 certifik\u00e1ty, osobn\u00e9 p\u00f4\u017ei\u010dky, investi\u010dn\u00e9 polo\u017eky ani kolater\u00e1l.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Peer-to-peer prevody pe\u0148az\u00ed so Zelle<\/span><\/li>\n<\/ul>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Pre\u010do sme si ho vybrali: Varo sa zameriava na \u013eud\u00ed, ktor\u00ed najviac potrebuj\u00fa da\u0148ov\u00fa pomoc: v\u00e1\u0161 hlavn\u00fd \u00fa\u010det nie je za\u0165a\u017een\u00fd vysok\u00fdmi minim\u00e1lnymi poplatkami ani pokutami, ale \u010do je d\u00f4le\u017eitej\u0161ie, nepou\u017e\u00edva ChexSystems.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>ChexSystems je agent\u00fara na hl\u00e1senie klientov podobn\u00e1 \u00faverov\u00e9mu registru, ktor\u00e1 ozna\u010duje Ameri\u010danov, ktor\u00ed poru\u0161uj\u00fa bankov\u00e9 pravidl\u00e1, ako je opakovan\u00e9 pre\u010derpanie alebo nedobrovo\u013en\u00e9 zatv\u00e1ranie \u00fa\u010dtu. Jednotlivci, ktor\u00ed maj\u00fa zl\u00fa hist\u00f3riu v registri ChexSystems, maj\u00fa \u010dasto probl\u00e9m s otvoren\u00edm nov\u00e9ho be\u017en\u00e9ho \u00fa\u010dtu. Je to podobn\u00e9 \u2013 a zhruba analogick\u00e9 \u2013 probl\u00e9mu, ktor\u00fd m\u00f4\u017eu ma\u0165 Ameri\u010dania s v\u00e1\u017enou udalos\u0165ou, ako je bankrot, v ich \u00faverovej hist\u00f3rii, ak sa sna\u017eia z\u00edska\u0165 nov\u00fa bankov\u00fa kartu.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Existuj\u00fa produkty \u201cdruhej \u0161ance\u201d v podobe be\u017en\u00fdch \u00fa\u010dtov a kreditn\u00fdch kariet, ale mnoh\u00e9 z nich s\u00fa za\u0165a\u017een\u00e9 poplatkami a obmedzeniami. Varo m\u00e1 m\u00e1lo poplatkov a tie, ktor\u00e9 \u00fa\u010dtuje, s\u00fa prirodzene vysvetlen\u00e9. Pon\u00faka tie\u017e vybavenie a zdroje ur\u010den\u00e9 na pomoc Ameri\u010danom v \u0165a\u017ekostiach so spr\u00e1vou ich financi\u00ed. Hoci Varo nepon\u00faka ve\u013ea vymo\u017eenost\u00ed, ako je d\u00f4chodok alebo splatn\u00e9 peniaze z makl\u00e9rstva, pon\u00faka bezpe\u010dn\u00fa bankov\u00fa kartu, ktor\u00e1 v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 vybudova\u0165 si alebo obnovi\u0165 v\u00e1\u0161 kreditn\u00fd profil.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Aplik\u00e1cia Varo z\u00edskava presn\u00e9 hodnotenia z\u00e1kazn\u00edkov od ka\u017ed\u00e9ho pou\u017e\u00edvate\u013ea syst\u00e9mu iOS (4.9) a Android (4.7). Okrem toho m\u00f4\u017eete vykon\u00e1va\u0165 \u010dinnosti ako v\u00fdber hotovosti, kontrolu zostatkov a prevody finan\u010dn\u00fdch prostriedkov medzi svojimi \u00fa\u010dtami na viac ako p\u00e4\u0165desiatich piatich tis\u00edc bankomatoch Allpoint bez poplatkov.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Upozornenia: Rozsah pre z\u00edskanie pr\u00edslu\u0161nej RPSN na \u00farovni \u00fa\u010dtu je \u00fazky, a to aj pri pou\u017eit\u00ed stup\u0148ovit\u00fdch \u0161tandardov dlhu, ale uvedomujeme si, \u017ee jednotlivci, ktor\u00ed by mali najv\u00e4\u010d\u0161\u00ed \u00fa\u017eitok z funkci\u00ed Varo, moment\u00e1lne nemusia by\u0165 schopn\u00ed nahromadi\u0165 cel\u00fa sadu zliav. Tie\u017e len pre inform\u00e1ciu pre Ameri\u010danov, ktor\u00ed nedost\u00e1vaj\u00fa pravideln\u00fd plat alebo in\u00fd zdroj pr\u00edjmu: v\u00e4\u010d\u0161ina v\u00fdhod Varo sa \u201codomkne\u201d po nastaven\u00ed priameho vkladu, tak\u017ee ak nem\u00e1te priamy vklad, tento \u00fa\u010det nemus\u00ed by\u0165 moment\u00e1lne tak\u00fd kon\u0161trukt\u00edvny.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>R\u00f4zne banky, ktor\u00e9 sme zva\u017eovali: Bezpe\u010dn\u00e1 bankov\u00e1 karta Capital One m\u00e1 ve\u013emi dobr\u00fa poves\u0165, ale nepon\u00faka vkladov\u00fd \u00fa\u010det s \u201c2-d\u0148ovou pravdepodobnos\u0165ou\u201d.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Pre \u013eud\u00ed, ktor\u00ed sa sna\u017eia da\u0165 si do poriadku svoje financie, m\u00e1 neobank ONE (nezamie\u0148a\u0165 s Capital One, \u010do je tradi\u010dn\u00e1 finan\u010dn\u00e1 in\u0161tit\u00facia a spr\u00e1vca bankov\u00fdch kariet) hybridn\u00fd sporiaci \u00fa\u010det s funkciami navrhnut\u00fdmi tak, aby \u013eu\u010fom pomohli lep\u0161ie spravova\u0165 svoje financie. Zistili sme v\u0161ak, \u017ee fr\u00e1zy \u00fa\u010dtu, \u00farovne a \u0161trukt\u00fara pr\u00edjmu z hobby v ONE s\u00fa zlo\u017eitej\u0161ie a menej u\u017e\u00edvate\u013esky pr\u00edvetiv\u00e9 ako v aplik\u00e1cii Varo. Jej aplik\u00e1cia tie\u017e nie je zvl\u00e1\u0161\u0165 hodnoten\u00e1 pre iOS alebo Android.<\/span><\/p>\n<p><span>najv\u00fdhodnej\u0161ie pre n\u00edzke sadzby Axos banka<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>K\u013e\u00fa\u010dov\u00e9 \u0161tatistiky:<\/span><\/p>\n<ul>\n<li class=\"css-1fftexy\"><span>Vyu\u017eite z\u013eavnen\u00e9 sadzby: a\u017e do 0,61%<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Overenie hobby: do 1 251 TP3T, limit 1 TP4T 50 000<\/span><\/li>\n<li class=\"css-1fftexy\"><span>Minim\u00e1lny vklad $ 50 na otvorenie be\u017en\u00e9ho \u00fa\u010dtu, minim\u00e1lny vklad $ 250 na otvorenie reduk\u010dn\u00e9ho \u00fa\u010dtu.<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadna minim\u00e1lna po\u017eiadavka na stabilitu ani mesa\u010dn\u00fd poplatok za obnovenie be\u017en\u00e9ho \u00fa\u010dtu alebo zn\u00ed\u017eenie \u00farokovej sadzby.\u00a0<\/span><\/li>\n<li class=\"css-1fftexy\"><span>\u017diadne poplatky za pre\u010derpanie<\/span><\/li>\n<li class=\"css-1fftexy\"><span>K dispoz\u00edcii s\u00fa term\u00edny vkladu od troch mesiacov do piatich rokov, minim\u00e1lny vklad 1 000 TP4T<\/span><\/li>\n<\/ul>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Pre\u010do sme si ho vybrali: Axos v\u00e1m u\u0161etr\u00ed n\u00e1klady na be\u017en\u00e9 \u00fa\u010dty a zn\u00ed\u017ei dlh, bez mesa\u010dn\u00fdch poplatkov za vedenie \u00fa\u010dtu, bez poplatkov za pre\u010derpanie a s neobmedzen\u00fdm vr\u00e1ten\u00edm poplatkov za dom\u00e1ce bankomaty od r\u00f4znych zdru\u017een\u00ed. V\u00e1\u0161 be\u017en\u00fd \u00fa\u010det Rewards Checking m\u00e1 neuverite\u013ene konkurencieschopn\u00fa ro\u010dn\u00fa \u00farokov\u00fa sadzbu (hoci s limitom 50 000 \u00a3), ale na z\u00edskanie spr\u00e1vnej ceny mus\u00edte splni\u0165 ur\u010dit\u00e9 podmienky, okrem toho, \u017ee si mus\u00edte zriadi\u0165 mesa\u010dn\u00fd priamy vklad s minim\u00e1lnou sumou 1 500 \u00a3, vykona\u0165 10 transakci\u00ed debetnou kartou mesa\u010dne, otvori\u0165 si samostatne spravovan\u00fd \u00fa\u010det na n\u00e1kup a predaj s minim\u00e1lnou sumou 2 500 \u00a3 a pou\u017ei\u0165 svoj be\u017en\u00fd \u00fa\u010det na spl\u00e1canie vlastnej osobnej p\u00f4\u017ei\u010dky, auto\u00faveru alebo osobnej p\u00f4\u017ei\u010dky od Axos.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Ak by v\u00e1m to znielo pr\u00edli\u0161 neprakticky, Axos pon\u00faka aj dva r\u00f4zne be\u017en\u00e9 \u00fa\u010dty \u2013 rovnako bezplatn\u00e9 \u2013 jednoduch\u00fd \u0161ek a \u0161ek s vr\u00e1ten\u00edm pe\u0148az\u00ed, pri\u010dom druh\u00fd uveden\u00fd umo\u017e\u0148uje z\u00edska\u0165 a\u017e 11 TP3T cashback za n\u00e1kupy uskuto\u010dnen\u00e9 s debetnou kartou s predplatn\u00fdm. A ich z\u013eavov\u00fd \u00fa\u010det m\u00e1 tie\u017e \u00farovne s r\u00f4znymi cenami pre r\u00f4zne zostatky, ale bez obmedzenia \u2013 \u010do m\u00f4\u017ee by\u0165 u\u017eito\u010dn\u00e9, ak v\u00e1s motivuje u\u0161etri\u0165 peniaze navy\u0161e na z\u013eav\u00e1ch ako alternat\u00edvu k be\u017en\u00e9mu \u00fa\u010dtu.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Upozornenia: Hoci s\u00fa priemern\u00e9 ro\u010dn\u00e9 pr\u00edjmy (APY), ktor\u00e9 Axos pon\u00faka, konkurencieschopn\u00e9, niektor\u00ed Ameri\u010dania m\u00f4\u017eu pova\u017eova\u0165 za problematick\u00e9 udr\u017ea\u0165 si hudbu tohto kalibru a podnikn\u00fa\u0165 kroky potrebn\u00e9 na udr\u017eanie tejto reput\u00e1cie. A ak h\u013ead\u00e1te CD, h\u013eadajte inde: mlad\u0161\u00ed Axos pon\u00faka CD v intervaloch od troch mesiacov do piatich rokov, m\u00e1 celkovo stabiln\u00fd (a nev\u00fdznamn\u00fd) priemern\u00fd ro\u010dn\u00fd pr\u00edjmy (APY) 0,21 TP3T a relat\u00edvne vysok\u00fa minim\u00e1lnu hodnotu 1 TP4T 1 000.<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>R\u00f4zne banky, ktor\u00e9 sme zva\u017eovali: Marcus, prostredn\u00edctvom Goldman Sachs, pon\u00faka fantastick\u00fa kombin\u00e1ciu n\u00edzkych poplatkov a vysokej ro\u010dnej \u00farokovej sadzby na svojom \u00fa\u010dte so zn\u00ed\u017een\u00fdmi poplatkami, ale nepon\u00faka \u017eiadne be\u017en\u00e9 \u00fa\u010dty \u2013 nehovoriac o r\u00f4znych alternat\u00edvach be\u017en\u00fdch \u00fa\u010dtov.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>\u00daverov\u00e1 \u00fania Lake Michigan (ku ktorej sa m\u00f4\u017ee pripoji\u0165 ktoko\u013evek) pon\u00faka aj be\u017en\u00fd \u00fa\u010det s odmenami za aktivity s odstup\u0148ovan\u00fdm oce\u0148ovan\u00edm, ale hoci je APY st\u00e1le lep\u0161ia ako to, \u010do pon\u00faka Axos, v\u00fdznamnou nev\u00fdhodou je hrani\u010dn\u00fd bod, po ktorom zostatky prest\u00e1vaj\u00fa zar\u00e1ba\u0165 \u00faroky.\u00a0<\/span><\/p>\n<p><span>Ako si vyber\u00e1me?<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>Aby sme pod\u013ea WSJ vybrali najlep\u0161iu aplik\u00e1ciu pre online bankovn\u00edctvo, h\u013eadali sme in\u0161tit\u00facie, ktor\u00e9 pon\u00fakaj\u00fa vynikaj\u00facu kombin\u00e1ciu vysok\u00fdch poplatkov, n\u00edzkych sadzieb a v\u0161estrann\u00fdch mo\u017enost\u00ed \u00fa\u010dtov so z\u013eavnen\u00fdmi sadzbami, \u0161ekami a vkladov\u00fdmi certifik\u00e1tmi. Zoh\u013eadnili sme aj recenzie z\u00e1kazn\u00edkov a pou\u017e\u00edvate\u013esk\u00e9 pr\u00edbehy ich digit\u00e1lnych a mobiln\u00fdch \u0161trukt\u00far, ako aj dostupnos\u0165 doplnkov\u00fdch finan\u010dn\u00fdch polo\u017eiek, ako s\u00fa d\u00f4chodkov\u00e9 \u00fa\u010dty, kreditn\u00e9 karty a investi\u010dn\u00e9 n\u00e1stroje.\u00a0<\/span><\/p>\n<p class=\"css-y3ey51\" data-type=\"paragraph\"><span>V\u0161etky na\u0161e najlep\u0161ie tipy na finan\u010dn\u00e9 in\u0161tit\u00facie s\u00fa \u00fa\u010dastn\u00edkmi FDIC, \u010do chr\u00e1ni finan\u010dn\u00e9 prostriedky vkladate\u013eov. N\u00e1klady uveden\u00e9 v tomto \u010dl\u00e1nku s\u00fa zo 7. septembra 2022. \u00darokov\u00e9 n\u00e1klady na vklady sa menia pomerne \u010dasto, preto h\u013ead\u00e1me banky, ktor\u00e9 pon\u00fakaj\u00fa konkurencieschopn\u00e9 ceny spolu s \u010fal\u0161\u00edmi atrib\u00fatmi priazniv\u00fdmi pre spotrebite\u013ea.\u00a0<\/span><\/p>\n<p><span>Rady, n\u00e1pady alebo hodnotenia uveden\u00e9 v tomto \u010dl\u00e1nku poch\u00e1dzaj\u00fa od redak\u010dn\u00e9ho t\u00edmu WSJ a neboli skontrolovan\u00e9 ani odpor\u00fa\u010dan\u00e9 s pomocou na\u0161ich kolegov z odvetvia.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>mais e mais vidas econ\u00f4micas dos americanos est\u00e3o se mudando para a internet &#8211; e para muitos de n\u00f3s isso \u00e9 verdade para n\u00f3s tamb\u00e9m.\u00a0Os bancos on-line reduziram as despesas gerais do que os rivais tradicionais, o que geralmente permite que eles ofere\u00e7am melhores cota\u00e7\u00f5es de hobby, ao mesmo tempo em que cobram custos mais [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-441","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/441","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=441"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/441\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=441"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=441"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}