T\u00e1llai Andr\u00e1s, a P\u00e9nz\u00fcgyminiszt\u00e9rium parlamenti \u00e1llamtitk\u00e1ra szerint egyre n\u00e9pszer\u0171bb a banksz\u00e1mlav\u00e1lt\u00e1s, Magyarorsz\u00e1gon jelenleg k\u00e9t tucat lakoss\u00e1gi bank ny\u00fajt sz\u00e1mlavezet\u00e9st, \u00e9s \u00e9vente \u00e1tlagosan 420 ezer sz\u00e1mlanyit\u00e1s-z\u00e1r\u00e1s t\u00f6rt\u00e9nik. A v\u00e1lt\u00e1snak komoly d\u00edjcs\u00f6kkent\u0151 hat\u00e1sa is lehet, hiszen az \u00fcgyfelek azt a bankot fogj\u00e1k v\u00e1lasztani, ahol a legolcs\u00f3bb a bankol\u00e1s. A banksz\u00e1mlav\u00e1lt\u00e1s nemcsak az\u00e9rt el\u0151ny\u00f6s, mert minim\u00e1lis adminisztr\u00e1ci\u00f3 mellett a k\u00f6lts\u00e9gek cs\u00f6kkent\u00e9se r\u00e9v\u00e9n komolyabb p\u00e9nz\u00f6sszegeket hagy az \u00fcgyfelekn\u00e9l, hanem az\u00e9rt is, mert er\u0151s\u00edti a p\u00e9nzint\u00e9zetek k\u00f6zti versenyt – \u00f6sszegezte T\u00e1llai.<\/p>\n
Mint hozz\u00e1tette, az \u00faj v\u00e1lasztott bankn\u00e1l \u00fagy lehet sz\u00e1ml\u00e1t nyitni, hogy a kor\u00e1bbi sz\u00e1mlavezet\u0151 p\u00e9nzint\u00e9zetn\u00e9l szem\u00e9lyesen meg sem kell jelenni az el\u0151z\u0151 sz\u00e1mla lez\u00e1r\u00e1sakor. A bankok az \u00fcgyf\u00e9l n\u00e9lk\u00fcl int\u00e9zik egym\u00e1s k\u00f6z\u00f6tt a sz\u00e1mlav\u00e1lt\u00e1st, ami a koronav\u00edrus-j\u00e1rv\u00e1ny id\u0151szak\u00e1ban eg\u00e9szs\u00e9g\u00fcgyi szempontb\u00f3l is nagy el\u0151nyt jelent – tette hozz\u00e1 az \u00e1llamtitk\u00e1r.<\/p>\n
Az egyablakos bankv\u00e1lt\u00e1si elj\u00e1r\u00e1s menet\u00e9t ismertetve elmondta: a sz\u00e1mlav\u00e1lt\u00e1st \u00fagynevezett sz\u00e1mlav\u00e1lt\u00e1si meghatalmaz\u00e1ssal kell kezdem\u00e9nyezni az \u00faj sz\u00e1mlavezet\u0151 bankn\u00e1l \u00edr\u00e1sban. A kiv\u00e1lasztott bank k\u00e9t munkanapon bel\u00fcl k\u00f6teles felk\u00e9rni a kor\u00e1bbi sz\u00e1mlavezet\u0151t arra, hogy az adatokat adja \u00e1t. Ennek \u00e9rtelm\u00e9ben az \u00faj bank elint\u00e9zi a csoportos beszed\u00e9si megb\u00edz\u00e1sok, \u00e1lland\u00f3 \u00e1tutal\u00e1si megb\u00edz\u00e1sok \u00e1thozatal\u00e1t az el\u0151z\u0151 p\u00e9nzint\u00e9zett\u0151l, valamint a beszed\u0151k \u00e9s a sz\u00e1ml\u00e1ra ism\u00e9tl\u0151d\u0151 \u00e1tutal\u00e1st teljes\u00edt\u0151 felek t\u00e1j\u00e9koztat\u00e1s\u00e1t az \u00faj banksz\u00e1ml\u00e1r\u00f3l, illetve – ha az \u00fcgyf\u00e9l k\u00e9ri – ak\u00e1r a kor\u00e1bbi sz\u00e1mla lez\u00e1r\u00e1s\u00e1t is.<\/p>\n
A bankv\u00e1lt\u00e1s gyors lebonyol\u00edt\u00e1s\u00e1t jogszab\u00e1ly garant\u00e1lja, ami minden hitelint\u00e9zetre k\u00f6telez\u0151, ez\u00e9rt az \u00e1t\u00e1ll\u00e1s maximum tizenk\u00e9t munkanapot vehet ig\u00e9nybe, az \u00fcgyfel\u00e9t elveszt\u0151 bank pedig nem tagadhatja meg a t\u00e1voz\u00e1st, \u00e9s nem is nehez\u00edtheti meg. <\/strong><\/p>\n A banksz\u00e1mlav\u00e1lt\u00e1skor nemcsak az\u00e9rt \u00e9rdemes ezt az egyablakos m\u00f3dszert v\u00e1lasztani, mert gyors \u00e9s egyszer\u0171, hanem mert k\u00f6lts\u00e9gtakar\u00e9kos is. Az adatszolg\u00e1ltat\u00e1s\u00e9rt ugyanis a kor\u00e1bbi sz\u00e1mlavezet\u0151 bank nem sz\u00e1m\u00edthat fel d\u00edjat vagy k\u00f6lts\u00e9get. Minden m\u00e1s esetben a kor\u00e1bbi \u00e9s az \u00faj sz\u00e1mlavezet\u0151 p\u00e9nzint\u00e9zet kiz\u00e1r\u00f3lag a t\u00e9nyleges r\u00e1ford\u00edt\u00e1saival ar\u00e1nyos, \u00e9szszer\u0171 d\u00edjat \u00e1llap\u00edthat meg – k\u00f6z\u00f6lte az \u00e1llamtitk\u00e1r.<\/p>","protected":false},"excerpt":{"rendered":" Ak\u00e1r t\u00f6bb t\u00edzezer forintot is megsp\u00f3rolhatunk a banki k\u00f6lts\u00e9geken, ha a legolcs\u00f3bb \u00e9s az ig\u00e9nyeknek legink\u00e1bb megfelel\u0151 banksz\u00e1mla-konstrukci\u00f3t v\u00e1lasztjuk. Az \u00fcgyint\u00e9z\u00e9s az egyablakos banksz\u00e1mlav\u00e1lt\u00e1s r\u00e9v\u00e9n nagyon k\u00f6nny\u0171v\u00e9 v\u00e1lt.<\/p>","protected":false},"author":8,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"cikk_cimkek":[107,219],"content_flags":[],"content_icons":[],"class_list":["post-17042","post","type-post","status-publish","format-standard","hentry","category-erdmost","cikk_cimkek-gazdasag","cikk_cimkek-penzugy"],"acf":[],"_links":{"self":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/17042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/comments?post=17042"}],"version-history":[{"count":0,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/17042\/revisions"}],"wp:attachment":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/media?parent=17042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/categories?post=17042"},{"taxonomy":"cikk_cimkek","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/cikk_cimkek?post=17042"},{"taxonomy":"content_flags","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_flags?post=17042"},{"taxonomy":"content_icons","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_icons?post=17042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}