{"id":2253553,"date":"2024-11-06T17:33:22","date_gmt":"2024-11-06T16:33:22","guid":{"rendered":"https:\/\/www.startlap.hu\/vasarlas\/?p=2253553"},"modified":"2024-11-06T17:15:41","modified_gmt":"2024-11-06T16:15:41","slug":"kh-bank-tranzakcios-dij-emeles","status":"publish","type":"post","link":"https:\/\/www.startlap.hu\/vasarlas\/kh-bank-tranzakcios-dij-emeles\/","title":{"rendered":"\u00dajabb bank jelentett be brut\u00e1lis dr\u00e1gul\u00e1st, de van egy j\u00f3 h\u00edr is"},"content":{"rendered":"<div class=\"main_wrapper3\">\n<div class=\"leadtext\">\n<p>A K&amp;H Bank jelent\u0151s lakoss\u00e1gi d\u00edjemel\u00e9st jelentett be a j\u00f6v\u0151 \u00e9v kezdet\u00e9t\u0151l. Erre a p\u00e9nz\u00fcgyi tranzakci\u00f3s illet\u00e9k m\u00e1sf\u00e9lszeres emel\u00e9se miatt ker\u00fcl sor. A tart\u00f3s dr\u00e1gul\u00e1st azonban a K&amp;H Bankn\u00e1l egy kedvez\u0151 bejelent\u00e9s is k\u00eds\u00e9ri, \u00edrja a <a href=\"https:\/\/biztosdontes.hu\/cikkek\/kh-tranzakcios-dij-emeles-2025-januar\" target=\"_blank\" target=\"_blank\" rel=\"noopener noreferrer\">BiztosD\u00f6nt\u00e9s.hu<\/a>.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_header\">\n<div class=\"main_wrapper3\">\n<h2 id=\"spanemelkedik-az-illetek-emelkednek-a-banki-dijakspan\">Emelkedik az illet\u00e9k, vele egy\u00fctt a banki d\u00edjak is<\/h2>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A magyar korm\u00e1ny 2024. augusztus 1-t\u0151l<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_list text_content\">\n<div class=\"main_wrapper3\">\n<ul>\n<li>a k\u00e9szp\u00e9nzmozg\u00e1st nem ig\u00e9nyl\u0151 p\u00e9nz\u00fcgyi m\u0171veletekre vonatkoz\u00f3an 0,3 sz\u00e1zal\u00e9k, maximum&nbsp;<span class=\"nowrap\">10 000<\/span>&nbsp;forintr\u00f3l 0,45 sz\u00e1zal\u00e9k, maximum&nbsp;<span class=\"nowrap\">20 000<\/span>&nbsp;forintra,<\/li>\n<li>a k\u00e9szp\u00e9nzt \u00e9rint\u0151 m\u0171veletekre vonatkoz\u00f3an 0,6 sz\u00e1zal\u00e9kr\u00f3l 0,9 sz\u00e1zal\u00e9kra<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>emelte a p\u00e9nz\u00fcgyi tranzakci\u00f3s illet\u00e9k m\u00e9rt\u00e9k\u00e9t az extraprofit ad\u00f3kr\u00f3l sz\u00f3l\u00f3 197\/2022. (VI. 4.) korm\u00e1nyrendelet \u00e9rtelm\u00e9ben.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Az \u00faj rendelet szerint az \u00e1llami elvon\u00e1s a <b>m\u00e1sf\u00e9lszeres\u00e9re emelkedett az \u00e9rintett banki tranzakci\u00f3k eset\u00e9ben, a fels\u0151 hat\u00e1ra pedig a dupl\u00e1j\u00e1ra<\/b>&nbsp;\u2013 h\u00edvja fel a figyelmet Gergely P\u00e9ter, a&nbsp;BiztosD\u00f6nt\u00e9s.hu&nbsp;p\u00e9nz\u00fcgyi szak\u00e9rt\u0151je.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Az illet\u00e9ket a banknak kell megfizetnie, de a jogszab\u00e1ly \u00e9rtelm\u00e9ben a lakoss\u00e1gi \u00fcgyfelekre 2025. janu\u00e1r 1-t\u0151l \u00e1th\u00e1r\u00edthatja azt. Az <a href=\"https:\/\/www.startlap.hu\/vasarlas\/otp-tranzakcios-illetek-dijemeles-szamla-keszpenzfelvetel\/\" target=\"_blank\" rel=\"noopener noreferrer\">OTP Bank<\/a> m\u00e1r kor\u00e1bban bejelentette az illet\u00e9k \u00e1th\u00e1r\u00edt\u00e1s\u00e1t, \u00e9s most a <b>K&amp;H Bank <\/b>is hasonl\u00f3 v\u00e1ltoztat\u00e1sokat eszk\u00f6z\u00f6l.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_header\">\n<div class=\"main_wrapper3\">\n<figure id=\"attachment_2253554\" aria-describedby=\"caption-attachment-2253554\" style=\"width: 755px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-article-size-large-image wp-image-2253554\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2024\/11\/bank-755x503.jpg\" alt=\"\" width=\"755\" height=\"503\" srcset=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2024\/11\/bank-755x503.jpg 755w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2024\/11\/bank-1536x1024.jpg 1536w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2024\/11\/bank-2048x1365.jpg 2048w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2024\/11\/bank-525x350.jpg 525w\" sizes=\"auto, (max-width: 755px) 100vw, 755px\" \/><figcaption id=\"caption-attachment-2253554\" class=\"wp-caption-text\">Fot\u00f3: Getty Images<\/figcaption><\/figure>\n<h2 id=\"spanmi-valtozik-januartolspan\">Mi v\u00e1ltozik janu\u00e1rt\u00f3l?<\/h2>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Gergely P\u00e9ter szerint <strong>fontos k\u00fcl\u00f6nbs\u00e9get tenni az \u00e9vente egyszer, \u00e1ltal\u00e1ban tavasszal megszokott infl\u00e1ci\u00f3s banki d\u00edjemel\u00e9sek \u00e9s a mostani v\u00e1ltoz\u00e1s k\u00f6z\u00f6tt.<\/strong> Az illet\u00e9k miatti jelent\u0151s d\u00edjemel\u00e9sek ugyanis teljesen f\u00fcggetlenek az infl\u00e1ci\u00f3t\u00f3l: az infl\u00e1ci\u00f3s d\u00edjemel\u00e9ssel is kalkul\u00e1lva <strong>a j\u00f6v\u0151 \u00e9v els\u0151 fel\u00e9ben k\u00e9t d\u00edjemel\u00e9sre sz\u00e1m\u00edthatnak a lakoss\u00e1gi \u00fcgyfelek<\/strong>, m\u00e9ghozz\u00e1 minden bankn\u00e1l.<\/p>\n<p>Az illet\u00e9kemel\u00e9s minden egyes <strong>eseti, rendszeres \u00e1tutal\u00e1st, csoportos beszed\u00e9st \u00e9s bankfi\u00f3ki vagy bankk\u00e1rty\u00e1s k\u00e9szp\u00e9nzfelv\u00e9telt terhel<\/strong> a K&amp;H Bankn\u00e1l is, mind a belf\u00f6ldi, mind pedig a k\u00fclf\u00f6ldi tranzakci\u00f3k eset\u00e9ben.<\/p>\n<p>A K&amp;H Bank k\u00f6zlem\u00e9nyben adta h\u00edr\u00fcl, hogyan v\u00e1ltoznak az \u00e1rak: a<strong>z \u00e1tutal\u00e1sok ut\u00e1n fizetend\u0151 d\u00edj az \u00f6sszeg 0,3 sz\u00e1zal\u00e9k\u00e1r\u00f3l 0,45 sz\u00e1zal\u00e9kra n\u0151, a k\u00e9szp\u00e9nzfelv\u00e9tel d\u00edja pedig a felvett \u00f6sszeg 0,6 sz\u00e1zal\u00e9k\u00e1r\u00f3l 0,9 sz\u00e1zal\u00e9kra emelkedik.<\/strong><\/p>\n<p>Mostant\u00f3l teh\u00e1t<\/p>\n<blockquote class=\"article__extraTxt\"><p>100 000 forint \u00e1tutal\u00e1sa 300 forint helyett 450 forintos d\u00edjat jelent az illet\u00e9kemel\u00e9s miatt,<\/p><\/blockquote>\n<p>amihez m\u00e9g <strong>hozz\u00e1j\u00f6n a bank saj\u00e1t d\u00edja is.<\/strong> K\u00e9szp\u00e9nzfelv\u00e9teln\u00e9l <strong><span class=\"nowrap\">100 000<\/span>&nbsp;forint eset\u00e9ben 600 forint helyett 900 forintos d\u00edj fizetend\u0151 az illet\u00e9kemel\u00e9s miatt<\/strong>, majd a bank saj\u00e1t d\u00edja m\u00e9g ezen fel\u00fcl terhel\u0151dik. (A bank saj\u00e1t d\u00edja janu\u00e1rt\u00f3l nem v\u00e1ltozik.)<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_header\">\n<div class=\"main_wrapper3\">\n<h2 id=\"spana-kamph-banknal-egy-jo-hir-is-kiseri-az-illetekemelestspan\">Van j\u00f3 h\u00edr is<\/h2>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A jogszab\u00e1ly v\u00e1ltoz\u00e1sa alapj\u00e1n a banknak 2024. augusztus 1. \u00f3ta nem kell kifizetnie az \u00e1tutal\u00e1si tranzakci\u00f3k eset\u00e9ben \u2013 tranzakci\u00f3nk\u00e9nt \u2013 az els\u0151&nbsp;<span class=\"nowrap\">50 000<\/span>&nbsp;forintra es\u0151 d\u00edjat. Ez az \u00f6sszeghat\u00e1r kor\u00e1bban&nbsp;<span class=\"nowrap\">20 000<\/span>&nbsp;forint volt.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Ezt a kedvezm\u00e9nyt a bankok \u00e1ltal\u00e1ban nem adj\u00e1k tov\u00e1bb az \u00fcgyf\u00e9lnek, a K&amp;H azonban igen. Ez azt jelenti, hogy <strong>az <span class=\"nowrap\">50 000<\/span>&nbsp;forint alatti lakoss\u00e1gi \u00e1tutal\u00e1sok eset\u00e9n \u2013 illetve e f\u00f6l\u00f6tt az&nbsp;<span class=\"nowrap\">50 000<\/span> forintra es\u0151 \u00f6sszegre \u2013 nem kell megfizetni a p\u00e9nz\u00fcgyi tranzakci\u00f3s illet\u00e9knek megfelel\u0151 banki d\u00edjat.<\/strong><\/p>\n<\/div>\n<\/div>\n<div class=\"block block_header\">\n<div class=\"main_wrapper3\">\n<h2 id=\"spaneddig-az-otp-bank-jelentett-be-illetekemelessel-osszefuggo-lakossagi-dijemelestspan\">Eddig az OTP Bank jelentett be illet\u00e9kemel\u00e9ssel \u00f6sszef\u00fcgg\u0151 lakoss\u00e1gi d\u00edjemel\u00e9st<\/h2>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A 2024. augusztus 1-t\u0151l \u00e9rv\u00e9nyes p\u00e9nz\u00fcgyi tranzakci\u00f3s illet\u00e9kemel\u00e9s a v\u00e1llalkoz\u00f3k eset\u00e9ben, \u2013 ahol nem \u00e9lt az \u00e1th\u00e1r\u00edt\u00e1si morat\u00f3rium \u2013, 37 nap alatt s\u00f6p\u00f6rt v\u00e9gig a bankszektoron, a lakoss\u00e1g fel\u00e9 azonban csak a j\u00f6v\u0151 \u00e9v els\u0151 napj\u00e1t\u00f3l lehets\u00e9ges az illet\u00e9kemel\u00e9s \u00e1th\u00e1r\u00edt\u00e1sa.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Az OTP m\u00e1r kor\u00e1bban bejelentette, hogy 2025. janu\u00e1r 1-t\u0151l \u00e1th\u00e1r\u00edtja a lakoss\u00e1gi \u00fcgyfelekre a megemelt d\u00edjakat. A K&amp;H Bank most csatlakozott a sorhoz:<\/p>\n<blockquote class=\"article__extraTxt\"><p>n\u00e1luk janu\u00e1r 6-\u00e1n l\u00e9p \u00e9letbe a v\u00e1ltoztat\u00e1s.<\/p><\/blockquote>\n<p>A t\u00f6bbi bank bejelent\u00e9se a d\u00edjemel\u00e9sekr\u0151l hamarosan v\u00e1rhat\u00f3.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_header\">\n<div class=\"main_wrapper3\">\n<h2 id=\"spanmeg-lehet-e-uszni-az-illetekemelestspan\">Meg lehet-e \u00faszni az illet\u00e9kemel\u00e9st?<\/h2>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A jogszab\u00e1ly nagyon kev\u00e9s kiv\u00e9telt enged az illet\u00e9kfizet\u00e9si teher al\u00f3l: ilyen p\u00e9ld\u00e1ul a saj\u00e1t n\u00e9vre sz\u00f3l\u00f3 banksz\u00e1ml\u00e1k k\u00f6z\u00f6tti \u00e1tutal\u00e1s. M\u00e9gis van n\u00e9h\u00e1ny speci\u00e1lis helyzet, melyek eset\u00e9ben nem kell sz\u00e1molni a megemelt illet\u00e9kkel. A most ismertetend\u0151 megold\u00e1sok <b>minden bankn\u00e1l&nbsp;<\/b>alkalmazhat\u00f3k, \u00edgy sz\u00e1mos \u00fcgyf\u00e9l tud \u00e9lni ezekkel a lehet\u0151s\u00e9gekkel.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A lakoss\u00e1gi \u00e1tutal\u00e1sok szintj\u00e9n <strong>a QR-k\u00f3dos beolvas\u00e1ssal&nbsp;ind\u00edtott p\u00e9nzk\u00fcld\u00e9s teljesen illet\u00e9kmentes \u00e9s minden banki d\u00edj n\u00e9lk\u00fcl terhel\u0151dik.<\/strong> Ezt a m\u00f3dszert jelenleg keresked\u0151kn\u00e9l, bankk\u00e1rty\u00e1s v\u00e1s\u00e1rl\u00e1s alternat\u00edv\u00e1jak\u00e9nt haszn\u00e1lhatj\u00e1k az \u00fcgyfelek; a megold\u00e1s egyel\u0151re nem elterjedt, de ez hamarosan v\u00e1ltozhat a lakoss\u00e1gi d\u00edjak emelked\u00e9s\u00e9vel.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A be\u00e9rkezett&nbsp;<strong>fizet\u00e9si k\u00e9relemre ind\u00edtott \u00e1tutal\u00e1s szint\u00e9n illet\u00e9kmentes \u00e9s ingyenes.<\/strong> A fizet\u00e9si k\u00e9relem elk\u00fcld\u00e9se ugyan t\u00f6rv\u00e9nyileg m\u00e1r nem ingyenes, de a legt\u00f6bb bankn\u00e1l jelenleg akci\u00f3san m\u00e9g ez is ingyenes, \u00e9s az akci\u00f3 ut\u00e1n is a legt\u00f6bb bankn\u00e1l olcs\u00f3bb lesz, mint az eseti \u00e1tutal\u00e1s d\u00edja.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A bankk\u00e1rty\u00e1s v\u00e1s\u00e1rl\u00e1sn\u00e1l nem v\u00e1ltoznak az illet\u00e9k szab\u00e1lyai, teh\u00e1t<\/p>\n<blockquote class=\"article__extraTxt\"><p>a k\u00e1rty\u00e1s fizet\u00e9s teljesen ingyenes marad tov\u00e1bbra is,<\/p><\/blockquote>\n<p>az illet\u00e9kemel\u00e9st\u0151l f\u00fcggetlen\u00fcl.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A k\u00e9szp\u00e9nzfelv\u00e9teln\u00e9l <strong>tov\u00e1bbra sem terheli illet\u00e9k a t\u00f6rv\u00e9nyi&nbsp;ingyenes k\u00e9szp\u00e9nzfelv\u00e9telt<\/strong>, mely \u2013 egy d\u00edjmentes banki nyilatkozat lead\u00e1sa ut\u00e1n \u2013 havonta legfeljebb 2, \u00f6sszesen legfeljebb havi&nbsp;<span class=\"nowrap\">150 000<\/span>&nbsp;forint k\u00e9szp\u00e9nz felv\u00e9tel\u00e9t teszi lehet\u0151v\u00e9 a lakoss\u00e1gi \u00fcgyfelek sz\u00e1m\u00e1ra, b\u00e1rmely magyarorsz\u00e1gi forint kiad\u00e1s\u00fa ATM-b\u0151l. Ez a lehet\u0151s\u00e9g 2025. janu\u00e1r 1-t\u0151l a&nbsp;hazai postahivatalokra&nbsp;is kiterjed, de a jelenleg \u00e9rv\u00e9nyes szab\u00e1lyoz\u00e1s alapj\u00e1n a keret \u00f6sszege nem v\u00e1ltozik, ahogy a havi 2 alkalom sem.<\/p>\n<div class=\"o-widget m-readMoreWidget -readMore u-shortDecorLineAfter row widget-container _ce_measure_widget bigdata-widget read-more\" data-ce-measure-widget=\"olvass tov\u00e1bb\">\n\t<div class=\"m-readMoreWidget__imgWrapper image-wrapper col-12 col-md-4 no-p\">\n\t\t<a class=\"m-readMoreWidget__imgLink\" href=\"https:\/\/www.startlap.hu\/vasarlas\/brutalis-gdp-adatot-kozolt-a-ksh-zuhan-a-forint\/\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2024\/10\/euro-dollar-uzletember-mutatoujj-350x285.jpg\" class=\"m-readMoreWidget__img\">\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"m-readMoreWidget__titleWrapper title-wrapper col-12 col-md-8\">\n\t\t<span class=\"m-readMoreWidget__titleLabel u-shortDecorLineBefore label hidden-sm-up\">Ez is \u00e9rdekelhet:<\/span>\n\t\t<h3 class=\"m-readMoreWidget__title title\">\n\t\t\t<a class=\"m-readMoreWidget__titleLink -secondFont u-bold u-upperCase\" href=\"https:\/\/www.startlap.hu\/vasarlas\/brutalis-gdp-adatot-kozolt-a-ksh-zuhan-a-forint\/\" >Brut\u00e1lis GDP-adatot k\u00f6z\u00f6lt a KSH &#8211; zuhan a forint<\/a>\n\t\t<\/h3>\n\t\t<a class=\"m-readMoreWidget__btn -coloredBack u-tC link\" href=\"https:\/\/www.startlap.hu\/vasarlas\/brutalis-gdp-adatot-kozolt-a-ksh-zuhan-a-forint\/\" >Elolvasom<\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Az OTP Bankhoz hasonl\u00f3an a K&amp;H Bank is lakoss\u00e1gi \u00fcgyfeleire h\u00e1r\u00edtja a megemelt tranzakci\u00f3s illet\u00e9keket. A v\u00e1ltoz\u00e1s j\u00f6v\u0151 \u00e9v janu\u00e1rj\u00e1ban l\u00e9p \u00e9letbe.<\/p>\n","protected":false},"author":63,"featured_media":2253554,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8180],"tags":[5246,13650,5274,9512],"class_list":["post-2253553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trending","tag-aremeles","tag-kh-bank","tag-otp-bank","tag-tranzakcios-illetek"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2253553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/users\/63"}],"replies":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/comments?post=2253553"}],"version-history":[{"count":4,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2253553\/revisions"}],"predecessor-version":[{"id":2253580,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2253553\/revisions\/2253580"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media\/2253554"}],"wp:attachment":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media?parent=2253553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/categories?post=2253553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/tags?post=2253553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}