{"id":2256097,"date":"2025-01-06T10:23:48","date_gmt":"2025-01-06T09:23:48","guid":{"rendered":"https:\/\/www.startlap.hu\/vasarlas\/?p=2256097"},"modified":"2025-01-06T13:24:52","modified_gmt":"2025-01-06T12:24:52","slug":"bank-aremeles-dragulas-illetek","status":"publish","type":"post","link":"https:\/\/www.startlap.hu\/vasarlas\/bank-aremeles-dragulas-illetek\/","title":{"rendered":"Nagy pofont kaptak az OTP Smart csomag \u00fcgyfelei"},"content":{"rendered":"

Janu\u00e1r hatodik\u00e1t\u00f3l jelent\u0151s d\u00edjemel\u00e9sek l\u00e9pnek \u00e9letbe t\u00f6bb bankn\u00e1l. A CIB Bank p\u00e9ld\u00e1ul t\u00f6bb hitelk\u00e1rty\u00e1s d\u00edj\u00e1t k\u00f6zel 18%-kal n\u00f6veli, m\u00edg a K&H Bank \u00fcgyfelei szint\u00e9n \u00e9rz\u00e9kelhetik a korm\u00e1ny ad\u00f3emel\u00e9s\u00e9nek hat\u00e1s\u00e1t. Az OTP Bank<\/a> m\u00e1r janu\u00e1r 1-j\u00e9n bevezette a v\u00e1ltoz\u00e1sokat, a t\u00f6bbi p\u00e9nzint\u00e9zet pedig fokozatosan, febru\u00e1r k\u00f6zep\u00e9ig emeli d\u00edjait. Az int\u00e9zked\u00e9sek nyom\u00e1n a k\u00f6lts\u00e9gvet\u00e9s bev\u00e9tele tov\u00e1bb n\u0151 \u2013 \u00edrja az \u00c9np\u00e9nzem<\/a>.<\/p>\n

A KSH adatai szerint a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1sok tavaly novemberben \u00e1tlagosan 10%-kal ker\u00fcltek t\u00f6bbe, mint egy \u00e9vvel kor\u00e1bban.<\/p><\/blockquote>\n

M\u00edg 2024 elej\u00e9n nem volt jelent\u0151s dr\u00e1gul\u00e1s, az \u00e1rak \u00e1prilist\u00f3l kezdtek el emelkedni, els\u0151sorban a tranzakci\u00f3s illet\u00e9kek n\u00f6veked\u00e9se miatt. Tavaly ny\u00e1ron a korm\u00e1ny a banki tranzakci\u00f3kra kivetett ad\u00f3 m\u00e9rt\u00e9k\u00e9t emelte: az \u00e1tutal\u00e1sok 0,3%-os, legfeljebb 10 ezer forintos d\u00edja 0,45%-ra, legfeljebb 20 ezer forintra n\u0151tt, m\u00edg a k\u00e9szp\u00e9nzfelv\u00e9telekn\u00e9l alkalmazott illet\u00e9k 0,6%-r\u00f3l 0,9%-ra emelkedett.<\/p>\n

\"\"<\/a>
Getty Images<\/figcaption><\/figure>\n

Ez a v\u00e1ltoz\u00e1s jelent\u0151s bev\u00e9telt hozott az \u00e1llamkassz\u00e1nak: 2024 els\u0151 11 h\u00f3napj\u00e1ban 367 milli\u00e1rd forint folyt be tranzakci\u00f3s illet\u00e9kb\u0151l, ami t\u00f6bb mint 61 milli\u00e1rddal haladta meg az el\u0151z\u0151 \u00e9vi \u00f6sszeget.<\/strong> A lakoss\u00e1gi \u00fcgyfelek sz\u00e1m\u00e1ra ugyanakkor az \u00e9v v\u00e9g\u00e9ig tilos volt \u00e1th\u00e1r\u00edtani ezeket a k\u00f6lts\u00e9geket, \u00edgy v\u00e1rhat\u00f3 volt, hogy 2025 elej\u00e9n emelkednek a banki d\u00edjak.<\/p>\n

Sorra emelnek a bankok<\/h2>\n

Az OTP Bank janu\u00e1r 1-j\u00e9t\u0151l igaz\u00edtotta d\u00edjait az \u00faj tranzakci\u00f3s illet\u00e9kekhez. A B\u00e1zis csomagban a bankon bel\u00fcli \u00e1tutal\u00e1s d\u00edja 0,3%-r\u00f3l 0,45%-ra, a bankon k\u00edv\u00fcli\u00e9 pedig 0,35%-r\u00f3l 0,55%-ra emelkedett, mik\u00f6zben a maxim\u00e1lis d\u00edjt\u00e9telek is jelent\u0151sen n\u0151ttek. Egy bankon k\u00edv\u00fcli forint\u00e1tutal\u00e1s maxim\u00e1lis d\u00edja p\u00e9ld\u00e1ul 14 522 forintr\u00f3l 25 000 forintra ugrott.<\/strong> Az OTP Smart csomag \u00fcgyfelei lep\u0151dhettek meg a legjobban, mivel a k\u00fcl\u00f6n ig\u00e9nyelhet\u0151 kedvezm\u00e9nycsomagok d\u00edjai is ak\u00e1r 50-70%-kal n\u00f6vekedtek.<\/p>\n

A K&H Bank janu\u00e1r 6-t\u00f3l emelte d\u00edjait az ad\u00f3emel\u00e9sek m\u00e9rt\u00e9k\u00e9vel. A t\u00f6bbi nagyobb p\u00e9nzint\u00e9zet is hamarosan k\u00f6veti a p\u00e9ld\u00e1t: a CIB janu\u00e1r 17-t\u0151l, az MBH a h\u00f3nap v\u00e9g\u00e9t\u0151l, m\u00edg az Unicredit, a MegNet, a Polg\u00e1ri Bank, valamint a Wise febru\u00e1r 1-j\u00e9t\u0151l, az Erste febru\u00e1r 3-t\u00f3l, a Gr\u00e1nit pedig febru\u00e1r 14-t\u0151l dr\u00e1g\u00edt.<\/p>\n

Egy\u00e9b d\u00edjemel\u00e9sek is v\u00e1rhat\u00f3ak<\/h2>\n

Az infl\u00e1ci\u00f3s \u00e1raz\u00e1s tov\u00e1bb n\u00f6velheti a banki k\u00f6lts\u00e9geket. B\u00e1r az MNB kor\u00e1bban kritiz\u00e1lta a t\u00e1vk\u00f6zl\u00e9si szolg\u00e1ltat\u00f3k infl\u00e1ci\u00f3hoz igaz\u00edtott d\u00edjemel\u00e9s\u00e9t, a bankok eset\u00e9ben nem emelt kifog\u00e1st.<\/strong> A korm\u00e1ny t\u00f6bb ter\u00fcleten is lehet\u0151v\u00e9 tette az infl\u00e1ci\u00f3k\u00f6vet\u0151 \u00e1raz\u00e1st, \u00edgy p\u00e9ld\u00e1ul a j\u00f6ved\u00e9ki ad\u00f3k eset\u00e9ben is, amit az \u00fczemanyagok \u00e1r\u00e1nak n\u00f6veked\u00e9se m\u00e1r j\u00f3l t\u00fckr\u00f6z.<\/p>\n

A CIB Bank eset\u00e9ben a hitelk\u00e1rty\u00e1k \u00e9ves d\u00edja m\u00e1t\u00f3l k\u00f6zel 18%-kal n\u0151: az Optimum k\u00e1rtya d\u00edja 3206 forintr\u00f3l 3770 forintra, a bev\u00e1s\u00e1rl\u00f3k\u00e1rty\u00e1\u00e9 pedig 5610 forintr\u00f3l 6597 forintra emelkedik. A havi z\u00e1rlati d\u00edj is dr\u00e1gul, 286 forintr\u00f3l 336 forintra.<\/strong> Tov\u00e1bbi v\u00e1ltoz\u00e1sk\u00e9nt m\u00e1rcius 1-j\u00e9t\u0151l a mobilbankos SMS-ek d\u00edja 67 forintr\u00f3l 72 forintra n\u0151. Az Unicredit febru\u00e1r 10-t\u0151l vezeti be az infl\u00e1ci\u00f3k\u00f6vet\u0151 automatikus \u00e1raz\u00e1st, amely m\u00e1r m\u00e1rcius 1-j\u00e9t\u0151l a fogyaszt\u00f3i \u00e1rak tavalyi emelked\u00e9s\u00e9t is t\u00fckr\u00f6zni fogja.<\/p>\n

Fot\u00f3: Getty Images<\/em><\/span><\/p>\n

\n\t
\n\t\t\n\t\t\t\n\t\t<\/a>\n\t<\/div>\n\t
\n\t\tEz is \u00e9rdekelhet:<\/span>\n\t\t

\n\t\t\tAzonnal letiltatja a bankk\u00e1rty\u00e1d, ha ezt l\u00e1tja a bank<\/a>\n\t\t<\/h3>\n\t\tElolvasom<\/a>\n\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Janu\u00e1r elej\u00e9t\u0151l t\u00f6bb hazai bank is megemeli a d\u00edjait, r\u00e9szben, mert ny\u00e1ron n\u0151tt a tranzakci\u00f3s illet\u00e9k m\u00e9rt\u00e9ke is. Az infl\u00e1ci\u00f3t k\u00f6vet\u0151 automatikus \u00e1raz\u00e1s is tov\u00e1bb dr\u00e1g\u00edtja a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1sokat a k\u00f6vetkez\u0151 h\u00f3napokban.<\/p>\n","protected":false},"author":64,"featured_media":2256111,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8180],"tags":[13256,1192,4740,2342],"class_list":["post-2256097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trending","tag-ardragitas","tag-bank","tag-cib","tag-otp"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2256097","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\/64"}],"replies":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/comments?post=2256097"}],"version-history":[{"count":5,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2256097\/revisions"}],"predecessor-version":[{"id":2256112,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2256097\/revisions\/2256112"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media\/2256111"}],"wp:attachment":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media?parent=2256097"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/categories?post=2256097"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/tags?post=2256097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}