{"id":2258579,"date":"2025-03-02T05:33:51","date_gmt":"2025-03-02T04:33:51","guid":{"rendered":"https:\/\/www.startlap.hu\/vasarlas\/?p=2258579"},"modified":"2025-02-28T20:22:24","modified_gmt":"2025-02-28T19:22:24","slug":"bankszamla-dijak-ingyenes-inflacio-novekedes","status":"publish","type":"post","link":"https:\/\/www.startlap.hu\/vasarlas\/bankszamla-dijak-ingyenes-inflacio-novekedes\/","title":{"rendered":"276 010 forint \u00fcti a mark\u00e1t annak, aki ezt megl\u00e9pi a bankokban"},"content":{"rendered":"<p>A tranzakci\u00f3s illet\u00e9k \u00e1th\u00e1r\u00edt\u00e1sa ut\u00e1n \u00e9rkeznek az infl\u00e1ci\u00f3k\u00f6vet\u0151 banki d\u00edjemel\u00e9sek is: egy j\u00f3l megv\u00e1lasztott banksz\u00e1ml\u00e1val azonban nemcsak a k\u00f6lts\u00e9gek null\u00e1zhat\u00f3k, hanem a d\u00edjemel\u00e9sek is elker\u00fclhet\u0151k ak\u00e1r 5 \u00e9ven kereszt\u00fcl, ad h\u00edrt a <a href=\"https:\/\/bankmonitor.hu\/mediatar\/cikk\/tranzakcios-illetek-utan-itt-az-inflacios-emeles-vedd-ki-a-koltsegemelkedest-akar-5-even-keresztul\/\" target=\"_blank\" target=\"_blank\" rel=\"noopener noreferrer\">Bankmonitor.hu<\/a>.<\/p>\n<h2>Ennyit fizet\u00fcnk a bankol\u00e1s\u00e9rt<\/h2>\n<p>A Bankmonitor sz\u00e1m\u00edt\u00e1sai szerint 2024-ben <strong>egy \u00e1tlagos magyar banksz\u00e1mla fenntart\u00e1sa \u00e9vi 49 000 forintba ker\u00fclt.<\/strong> Az infl\u00e1ci\u00f3 hat\u00e1s\u00e1ra ez az \u00f6sszeg <strong>2025-ben v\u00e1rhat\u00f3an 51 450 forintra emelkedik<\/strong>, de nem ritka az \u00e9vi 100-150 ezer forintos <a href=\"https:\/\/www.startlap.hu\/vasarlas\/bankszamlak-tranzakcios-illetek-dragulas-jegybank\/\" target=\"_blank\" rel=\"noopener noreferrer\">banksz\u00e1ml\u00e1hoz<\/a> kapcsol\u00f3d\u00f3 kiad\u00e1s sem. Az MNB adatai szerint<\/p>\n<blockquote class=\"article__extraTxt\"><p>egy nem digit\u00e1lisan bankol\u00f3 \u00fcgyf\u00e9l \u00e9ves sz\u00e1mlak\u00f6lts\u00e9ge m\u00e1r 2024 febru\u00e1rj\u00e1ban is meghaladta a 99 ezer forintot,<\/p><\/blockquote>\n<p>amely az infl\u00e1ci\u00f3val egy\u00fctt b\u0151ven t\u00fall\u00e9pheti a 100 ezer forintos hat\u00e1rt.<\/p>\n<p>A Bankmonitor szerint a magas k\u00f6lts\u00e9geket azzal ker\u00fclhetj\u00fck el, ha olyan banksz\u00e1ml\u00e1t nyitunk, ami bizonyos ideig \u2013 ak\u00e1r 5 \u00e9vig \u2013 ingyenesen fenntarthat\u00f3. Ebben az esetben nem kell fizetn\u00fcnk az al\u00e1bbi k\u00f6lts\u00e9gek\u00e9rt:<\/p>\n<ul>\n<li>Sz\u00e1mlavezet\u00e9si d\u00edj<\/li>\n<li>Tranzakci\u00f3s illet\u00e9k<\/li>\n<li>\u00c1tutal\u00e1si d\u00edj<\/li>\n<li>\u00c1lland\u00f3 \u00e1tutal\u00e1si d\u00edj<\/li>\n<li>Csoportos beszed\u00e9si d\u00edj<\/li>\n<li>K\u00e9szp\u00e9nzfelv\u00e9tel<\/li>\n<li>\u00c9ves bankk\u00e1rtyad\u00edj<\/li>\n<\/ul>\n<figure id=\"attachment_2256017\" aria-describedby=\"caption-attachment-2256017\" style=\"width: 755px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-article-size-large-image wp-image-2256017\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/01\/bank-755x503.jpg\" alt=\"\" width=\"755\" height=\"503\" srcset=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/01\/bank-755x503.jpg 755w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/01\/bank-1536x1024.jpg 1536w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/01\/bank-2048x1366.jpg 2048w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/01\/bank-525x350.jpg 525w\" sizes=\"auto, (max-width: 755px) 100vw, 755px\" \/><figcaption id=\"caption-attachment-2256017\" class=\"wp-caption-text\">Fot\u00f3: Getty Images<\/figcaption><\/figure>\n<h2>Mennyit sp\u00f3rolunk egy d\u00edjmentes sz\u00e1ml\u00e1val?<\/h2>\n<p>Ha az \u00e1tlagos \u00e9ves sz\u00e1mlak\u00f6lts\u00e9get n\u00e9zz\u00fck, egy 5 \u00e9vig d\u00edjmentes sz\u00e1mla ak\u00e1r t\u00f6bb sz\u00e1zezer forintos megtakar\u00edt\u00e1st jelenthet, k\u00fcl\u00f6n\u00f6sen az infl\u00e1ci\u00f3s k\u00f6lts\u00e9geket tekintve. 2025-ben egy \u00e1tlagos lakoss\u00e1gi banksz\u00e1mla v\u00e1rhat\u00f3 \u00e9ves k\u00f6lts\u00e9ge: 50 960 Ft, mely a tov\u00e1bbi \u00e9vekben, 4 sz\u00e1zal\u00e9kos infl\u00e1ci\u00f3val sz\u00e1molva az al\u00e1bbiakban v\u00e1ltozik:<\/p>\n<ul>\n<li>2026-ban: 53 000 forint,<\/li>\n<li>2027-ben: 55 120 forint,<\/li>\n<li>2028-ban: 57 320 forint,<\/li>\n<li>2029-ben: 59 610 forint lesz a k\u00f6lts\u00e9ge.<\/li>\n<\/ul>\n<p>Ez \u00f6sszesen 276 010 forint kiad\u00e1st jelentene 5 \u00e9v alatt, amely<\/p>\n<blockquote class=\"article__extraTxt\"><p>teljes eg\u00e9sz\u00e9ben megsp\u00f3rolhat\u00f3 egy megfelel\u0151en v\u00e1lasztott banksz\u00e1ml\u00e1val.<\/p><\/blockquote>\n<p>\u00c9s ebben a sz\u00e1m\u00edt\u00e1sban m\u00e9g nem szerepelnek az esetleges tov\u00e1bbi d\u00edjemel\u00e9sek, extra-profitad\u00f3k miatti \u00e1tterhel\u00e9sek, amelyek tov\u00e1bb n\u00f6velhetn\u00e9k a banksz\u00e1mla fenntart\u00e1s\u00e1nak k\u00f6lts\u00e9g\u00e9t. A megfelel\u0151 banksz\u00e1mla kiv\u00e1laszt\u00e1sa teh\u00e1t jelent\u0151s p\u00e9nz\u00fcgyi el\u0151ny\u00f6ket hozhat, azonban az ingyenes banksz\u00e1mla kiv\u00e1laszt\u00e1sakor is \u00e9rdemes figyelembe venni saj\u00e1t p\u00e9nz\u00fcgyi szok\u00e1sainkat is.&nbsp;<\/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\/magyar-nemzeti-bank-figyelmeztetes\/\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2024\/06\/no-bankkartya-laptop-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\/magyar-nemzeti-bank-figyelmeztetes\/\" >Ha van ilyen el\u0151fizet\u00e9sed, azonnal mondd le \u2013 m\u00e1r a jegybank is figyelmeztet<\/a>\n\t\t<\/h3>\n\t\t<a class=\"m-readMoreWidget__btn -coloredBack u-tC link\" href=\"https:\/\/www.startlap.hu\/vasarlas\/magyar-nemzeti-bank-figyelmeztetes\/\" >Elolvasom<\/a>\n\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A tranzakci\u00f3s illet\u00e9kek n\u00f6veked\u00e9se mellett a banki d\u00edjakra is \u00e9rkezik az infl\u00e1ci\u00f3s korrekci\u00f3: egyre t\u00f6bbet fizet\u00fcnk a bankol\u00e1s\u00e9rt. \u00cdgy ker\u00fclhetj\u00fck el a d\u00edjakat!<\/p>\n","protected":false},"author":63,"featured_media":2256017,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8180],"tags":[1192,19418,3719,9512],"class_list":["post-2258579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trending","tag-bank","tag-banki-dijak","tag-inflacio","tag-tranzakcios-illetek"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2258579","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=2258579"}],"version-history":[{"count":3,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2258579\/revisions"}],"predecessor-version":[{"id":2258588,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2258579\/revisions\/2258588"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media\/2256017"}],"wp:attachment":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media?parent=2258579"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/categories?post=2258579"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/tags?post=2258579"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}