{"id":5434,"date":"2023-11-21T17:51:37","date_gmt":"2023-11-21T16:51:37","guid":{"rendered":"https:\/\/preventista.sk\/info\/?p=5434"},"modified":"2026-11-01T16:23:04","modified_gmt":"2026-11-01T15:23:04","slug":"zmizli-vam-peniaze-z-uctu-poradime-vam-ako-postupovat","status":"publish","type":"post","link":"https:\/\/preventista.sk\/info\/zmizli-vam-peniaze-z-uctu-poradime-vam-ako-postupovat\/","title":{"rendered":"Zmizli V\u00e1m peniaze z \u00fa\u010dtu? Porad\u00edme V\u00e1m ako postupova\u0165!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u010cas viano\u010dn\u00fdch n\u00e1kupov sa nezadr\u017eate\u013ene bl\u00ed\u017ei a s n\u00edm, bohu\u017eia\u013e, aj n\u00e1rast platobn\u00fdch podvodov, \u010di u\u017e sa jedn\u00e1 o nekal\u00e9 prevody z \u00fa\u010dtov alebo nekal\u00e9 platby platobnou kartou. Za najbezpe\u010dnej\u0161\u00ed sp\u00f4sob, ako uhr\u00e1dza\u0165 platby sa pova\u017euje platba platobnou kartou, pri\u010dom ani to nemus\u00ed niekedy sta\u010di\u0165. V pr\u00edpade, ak ste sa stali obe\u0165ou podvodu a pri\u0161li ste o peniaze na Va\u0161om \u00fa\u010dte, existuje sp\u00f4sob na z\u00e1klade ktor\u00e9ho z\u00edskate svoje peniaze sp\u00e4\u0165.&nbsp;<strong>Od banky<\/strong>. Podobne to plat\u00ed aj pri nekalej platbe z kreditnej karty, i ke\u010f tam doch\u00e1dza, vzh\u013eadom na povahu kreditnej karty, k neautorizovan\u00e9mu \u010derpaniu \u00faveru.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"587\" src=\"https:\/\/preventista.sk\/info\/wp-content\/uploads\/2023\/11\/karta-700x587.jpg\" alt=\"\" class=\"wp-image-5437\" style=\"width:446px;height:auto\" srcset=\"https:\/\/preventista.sk\/info\/wp-content\/uploads\/2023\/11\/karta-700x587.jpg 700w, https:\/\/preventista.sk\/info\/wp-content\/uploads\/2023\/11\/karta-450x377.jpg 450w, https:\/\/preventista.sk\/info\/wp-content\/uploads\/2023\/11\/karta-320x268.jpg 320w, https:\/\/preventista.sk\/info\/wp-content\/uploads\/2023\/11\/karta-768x644.jpg 768w, https:\/\/preventista.sk\/info\/wp-content\/uploads\/2023\/11\/karta.jpg 940w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Prv\u00fd krok, ktor\u00fd je potrebn\u00e9 spravi\u0165, je kontaktovanie poskytovate\u013ea platobn\u00fdch slu\u017eieb \u2013 spravidla banku. Pou\u017e\u00edvate\u013e platobn\u00fdch slu\u017eieb (platite\u013e) m\u00e1 toti\u017e v zmysle \u00a7 9 ods. 1 z\u00e1kona \u010d. 492\/2009 Z. z. o platobn\u00fdch slu\u017eb\u00e1ch a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov v znen\u00ed neskor\u0161\u00edch predpisov (\u010falej len \u201eZ\u00e1kon o platobn\u00fdch slu\u017eb\u00e1ch\u201c) n\u00e1rok na n\u00e1pravu zo strany banky. Treba v\u0161ak da\u0165 pozor, preto\u017ee banke je mo\u017en\u00e9&nbsp;<strong>ozn\u00e1mi\u0165 V\u00e1\u0161 n\u00e1rok najnesk\u00f4r do 13 mesiacov odo d\u0148a odp\u00edsania finan\u010dn\u00fdch prostriedkov z platobn\u00e9ho \u00fa\u010dtu<\/strong>, inak V\u00e1\u0161 n\u00e1rok podlieha prekl\u00fazii &#8211; zanikne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banka je n\u00e1sledne&nbsp;<strong>povinn\u00e1 preuk\u00e1za\u0165<\/strong>, \u017ee platba bola riadne za\u00fa\u010dtovan\u00e1,&nbsp;<strong>autentifikovan\u00e1<\/strong>, zaznamenan\u00e1 a na jej priebeh nemala dopad \u017eiadna technick\u00e1 porucha alebo in\u00fd nedostatok.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pod\u013ea \u00a7 10 ods. 2 Z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch, ak popierate, \u017ee ste vykonali platobn\u00fa oper\u00e1ciu, potom samotn\u00e9 pou\u017eitie&nbsp;<strong>platobn\u00e9ho prostriedku (t.j,, Va\u0161ej platobnej karty, resp. Va\u0161ich autentifika\u010dn\u00fdch \u00fadajov v r\u00e1mci mobiln\u00e9ho alebo elektronick\u00e9ho bankovn\u00edctva)<\/strong>&nbsp;nie je dostato\u010dn\u00fdm d\u00f4kazom, \u017ee ste autorizovali dan\u00fa platobn\u00fa oper\u00e1ciu alebo, \u017ee ste zapr\u00ed\u010dinili neautorizovan\u00e9 vykonanie platobnej oper\u00e1cie v d\u00f4sledku podvodn\u00e9ho konania, \u00famyseln\u00e9ho opomenutia, konania s hrubou nedbanlivos\u0165ou alebo nesplnenia jednej alebo viacer\u00fdch povinnost\u00ed pod\u013ea&nbsp;<a href=\"https:\/\/www.slov-lex.sk\/pravne-predpisy\/SK\/ZZ\/2009\/492\/#paragraf-26\">\u00a7 26<\/a>&nbsp;Z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch.&nbsp;<strong>Inak povedan\u00e9 to, \u017ee niekto zneu\u017eil V\u00e1\u0161 platobn\u00fd prostriedok (platobn\u00fa kartu; \u00fadaje v r\u00e1mci mobiln\u00e9ho alebo elektronick\u00e9ho bankovn\u00edctva; autentifika\u010dn\u00e9 prvky), neznamen\u00e1, \u017ee za to zodpoved\u00e1te Vy.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V pr\u00edpade neautorizovanej platby, t. j. takej, na ktor\u00fa ste nedali s\u00fahlas, mus\u00ed by\u0165&nbsp;<strong>zo strany banky preuk\u00e1zan\u00e9,<\/strong>&nbsp;\u017ee ste zanedbali alebo poru\u0161ili svoje povinnosti. D\u00f4le\u017eit\u00e9 je, aby zo strany platite\u013ea nebola v d\u00f4sledku jeho&nbsp;<strong>\u00famyseln\u00e9ho konania<\/strong>&nbsp;alebo&nbsp;<strong>hrubej nedbanlivosti&nbsp;<\/strong>poru\u0161en\u00e1 ani jedna z nasleduj\u00facich povinnost\u00ed pod\u013ea \u00a7 26 Z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>pou\u017e\u00edva\u0165 platobn\u00fd prostriedok pod\u013ea podmienok upravuj\u00facich vyd\u00e1vanie a pou\u017e\u00edvanie tohto platobn\u00e9ho prostriedku<\/strong><strong>,<\/strong><\/li>\n\n\n\n<li><strong>bez zbyto\u010dn\u00e9ho odkladu ozn\u00e1mi\u0165 banke odcudzenie, zneu\u017eitie alebo neautorizovan\u00e9 pou\u017eitie platobn\u00e9ho prostriedku<\/strong><strong>,<\/strong><\/li>\n\n\n\n<li><strong>vykona\u0165 v\u0161etky primeran\u00e9 \u00fakony na zabezpe\u010denie ochrany personalizovan\u00fdch bezpe\u010dnostn\u00fdch prvkov platobn\u00e9ho prostriedku<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Inak povedan\u00e9, v z\u00e1sade plat\u00ed, \u017ee (1) ak ste nekonali Vy sami podvodn\u00fdm sp\u00f4sobom, alebo (2) ak ste \u00famyselne v zlej viere neprezradili svoje autentifika\u010dn\u00e9 \u00fadaje, resp. \u00fadaje uveden\u00e9 na platobnej karte, tretej osobe, a (3) ak ste neporu\u0161ili \u00famyselne alebo z hrubej nedbanlivosti svoje povinnosti uveden\u00e9 vy\u0161\u0161ie v \u00a7 26 Z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch,&nbsp;<strong>banka je povinn\u00e1 v\u00e1\u0161 od\u0161kodni\u0165<\/strong>. Pozor, v z\u00e1sade, aj keby ste konali nedbanlivo (t.j., nekonali ste podvodne alebo hrubo nedbanlivo), zn\u00e1\u0161ate stratu iba do v\u00fd\u0161ky 50 \u20ac (\u00a7 12 Z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch).&nbsp;<strong>D\u00f4le\u017eit\u00e9 je, \u017ee d\u00f4kazn\u00e9 bremeno o tom, \u017ee ste konali \u00famyselne, hrubo nedbanlivo alebo nedbanlivo zn\u00e1\u0161a banka (nie Vy).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hrub\u00e1 nedbanlivos\u0165 je zna\u010dne \u0161irok\u00fd pojem a je potrebn\u00e9 ho posudzova\u0165 vo svetle okolnost\u00ed konkr\u00e9tneho pr\u00edpadu. S\u00fadna prax n\u00e1m v\u0161ak d\u00e1va pr\u00edklady \u010do mo\u017eno, a \u010do nemo\u017eno pova\u017eova\u0165 za hrub\u00fa nedbanlivos\u0165. Napr\u00edklad, pod\u013ea rozsudku Krajsk\u00e9ho s\u00fadu v Tren\u010d\u00edne, sp. zn.&nbsp;<strong>17Co\/213\/2012<\/strong>, nemo\u017eno za hrub\u00fa nedbanlivos\u0165 pova\u017eova\u0165 tak\u00fa situ\u00e1ciu, ke\u010f be\u017en\u00fd u\u017e\u00edvate\u013e zrealizuje platbu v d\u00f4sledku po\u010d\u00edta\u010dov\u00e9ho v\u00edrusu generuj\u00faceho podvodn\u00e9 platobn\u00e9 pr\u00edkazy.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taktie\u017e je potrebn\u00e9 v zmysle \u00a7 12 Z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch uvies\u0165, \u017ee ak ste sa sami \u00famyselne nez\u00fa\u010dastnili na podvode,&nbsp;<strong>v \u017eiadnom pr\u00edpade&nbsp;<\/strong>nezodpoved\u00e1te za ak\u00fako\u013evek nasledovn\u00fa finan\u010dn\u00fa stratu:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>ak finan\u010dn\u00e1 strata vypl\u00fdva z pou\u017eitia straten\u00e9ho, odcudzen\u00e9ho alebo zneu\u017eit\u00e9ho platobn\u00e9ho prostriedku, a to&nbsp;<strong>od okamihu ozn\u00e1menia<\/strong>&nbsp;tejto skuto\u010dnosti banke,<\/li>\n\n\n\n<li><strong>banka nevy\u017eaduje na potvrdenie platby siln\u00fa autentifik\u00e1ciu platite\u013ea<\/strong>&nbsp;(t.j. V\u00e1s) alebo banka pou\u017e\u00edva v\u00fdnimku zo silnej autentifik\u00e1cie platite\u013ea pod\u013ea osobitn\u00e9ho predpisu (t.j., banka prevzala na seba v tomto riziko) \u2013 toto V\u00e1m odpor\u00fa\u010dame preveri\u0165 v ka\u017edom osobitnom pr\u00edpade (pojem \u201esiln\u00e1 autentifik\u00e1cia\u201c je definovan\u00fd v \u00a7 2 ods. 48 Z\u00e1kona o platobn\u00fdch slu\u017eb\u00e1ch). Za tak\u00e9to pr\u00edpady nevy\u017eadovania silnej autentifik\u00e1cie zo strany banky sa napr. pova\u017euj\u00fa situ\u00e1cie, ak ste platbu prostredn\u00edctvom Vami v platobnej br\u00e1ne zadanej platobnej karty (tzv. prv\u00e1 autentifik\u00e1cia) nepotvrdili napr. na z\u00e1klade k\u00f3du z sms-ky, k\u00f3du v r\u00e1mci push notifik\u00e1cie, alebo in\u00fdm podobn\u00fdm sp\u00f4sobom (tzv. druh\u00e1 autentifik\u00e1cia) preto, lebo to banka nevy\u017eadovala.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Z\u00e1kon \u010d. 492\/2009 Z. z. o platobn\u00fdch slu\u017eb\u00e1ch,<\/li>\n\n\n\n<li>D\u00f4vodov\u00e1 spr\u00e1va k z\u00e1konu o platobn\u00fdch slu\u017eb\u00e1ch<\/li>\n\n\n\n<li>Rozsudok Krajsk\u00e9ho s\u00fadu Tren\u010d\u00edn, sp. zn. 17Co\/213\/2012<\/li>\n<\/ol>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Tento \u010dl\u00e1nok \u010d\u00edtate v\u010faka autorom z Advok\u00e1tskej kancel\u00e1rie BCH Advok\u00e1ti Chlipala (<a href=\"https:\/\/www.bch.sk\" target=\"_blank\" rel=\"noopener\" title=\"\">www.bch.sk<\/a>)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cas viano\u010dn\u00fdch n\u00e1kupov sa nezadr\u017eate\u013ene bl\u00ed\u017ei a s n\u00edm, bohu\u017eia\u013e, aj n\u00e1rast platobn\u00fdch podvodov, \u010di u\u017e sa jedn\u00e1 o nekal\u00e9 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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":"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":"","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-4)","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-4)","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-4)","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":[3],"tags":[32,159,158],"class_list":["post-5434","post","type-post","status-publish","format-standard","hentry","category-navody","tag-bezpecnost","tag-platba","tag-platobna-karta"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - 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