[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.arcr.cz\/penize-na-ucet-ihned-kdy-dorazi-a-na-cem-to-zavisi\/#Article","mainEntityOfPage":"https:\/\/www.arcr.cz\/penize-na-ucet-ihned-kdy-dorazi-a-na-cem-to-zavisi\/","headline":"Pen\u00edze na \u00fa\u010det ihned: kdy doraz\u00ed a na \u010dem to z\u00e1vis\u00ed","name":"Pen\u00edze na \u00fa\u010det ihned: kdy doraz\u00ed a na \u010dem to z\u00e1vis\u00ed","description":"V sobotu kr\u00e1tce po osm\u00e9 r\u00e1no praskne hadice u my\u010dky n\u00e1dob\u00ed a pod linkou se za\u010dne rozl\u00e9vat voda. Hlavn\u00ed uz\u00e1v\u011br vody se poda\u0159\u00ed v\u010das zav\u0159\u00edt. Instalat\u00e9r, kter\u00fd m\u016f\u017ee p\u0159ijet je\u0161t\u011b dopoledne, ale chce pen\u00edze za<a class=\"read-more\" href=\"https:\/\/www.arcr.cz\/penize-na-ucet-ihned-kdy-dorazi-a-na-cem-to-zavisi\/\">Continue reading<\/a>","datePublished":"2026-10-23","dateModified":"2026-10-23","author":{"@type":"Person","@id":"https:\/\/www.arcr.cz\/author\/#Person","name":"arcr.cz\n","url":"https:\/\/www.arcr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"arcr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.arcr.cz\/wp-content\/uploads\/obnos_penez_FKiNse.jpg","url":"https:\/\/www.arcr.cz\/wp-content\/uploads\/obnos_penez_FKiNse.jpg","height":0,"width":0},"url":"https:\/\/www.arcr.cz\/penize-na-ucet-ihned-kdy-dorazi-a-na-cem-to-zavisi\/","about":["Ekonomika"],"wordCount":1271,"articleBody":"        V sobotu kr\u00e1tce po osm\u00e9 r\u00e1no praskne hadice u my\u010dky n\u00e1dob\u00ed a pod linkou se za\u010dne rozl\u00e9vat voda. Hlavn\u00ed uz\u00e1v\u011br vody se poda\u0159\u00ed v\u010das zav\u0159\u00edt. Instalat\u00e9r, kter\u00fd m\u016f\u017ee p\u0159ijet je\u0161t\u011b dopoledne, ale chce pen\u00edze za opravu hned na m\u00edst\u011b. Kdy\u017e v takov\u00e9 chv\u00edli hled\u00e1te pen\u00edze na \u00fa\u010det ihned, pot\u0159ebujete v\u011bd\u011bt dv\u011b v\u011bci: jak rychle projde \u017e\u00e1dost a kdy \u010d\u00e1stka skute\u010dn\u011b doraz\u00ed na \u00fa\u010det. Odpov\u011b\u010f na prvn\u00ed ot\u00e1zku je kr\u00e1tk\u00e1. Ta druh\u00e1 z\u00e1vis\u00ed na bance, na dni v t\u00fddnu i na tom, kdy je p\u016fj\u010dka potvrzen\u00e1. Cesta k pen\u011bz\u016fm vede p\u0159es ov\u011b\u0159en\u00ed, rozhodnut\u00ed a p\u0159evod  Celou \u017e\u00e1dost vy\u0159\u00edd\u00edte p\u0159es internet z po\u010d\u00edta\u010de nebo telefonu, bez pap\u00edrov\u00e1n\u00ed a bez cesty na pobo\u010dku. Nejd\u0159\u00edv zvol\u00edte \u010d\u00e1stku a splatnost, pak vypln\u00edte registraci a ov\u011b\u0159\u00edte toto\u017enost. N\u011bkter\u00e9 online p\u016fj\u010dky k tomu vyu\u017e\u00edvaj\u00ed Bank iD: do internetov\u00e9ho bankovnictv\u00ed se p\u0159ihl\u00e1s\u00edte stejn\u011b, jako kdy\u017e plat\u00edte \u00fa\u010dty, a po va\u0161em odsouhlasen\u00ed po\u0161le banka poskytovateli \u00fadaje, kter\u00e9 o v\u00e1s u\u017e m\u00e1 ov\u011b\u0159en\u00e9. P\u0159i ov\u011b\u0159en\u00ed p\u0159es Bank iD odpad\u00e1 skenov\u00e1n\u00ed doklad\u016f i pos\u00edl\u00e1n\u00ed jejich fotografi\u00ed e-mailem; m\u00edsto Bank iD lze p\u0159\u00edpadn\u011b vyu\u017e\u00edt ov\u011b\u0159ovac\u00ed platbu.  Ov\u011b\u0159en\u00edm ale pr\u00e1ce nekon\u010d\u00ed. Poskytovatel mus\u00ed posoudit, zda p\u016fj\u010dku zvl\u00e1dnete splatit, a proto v \u017e\u00e1dosti uv\u00e1d\u00edte, odkud v\u00e1m chod\u00ed p\u0159\u00edjem a jak je vysok\u00fd. U jedn\u00e9 ze slu\u017eeb, kter\u00e9 celou \u017e\u00e1dost vy\u0159izuj\u00ed online, se o v\u00fdsledku dozv\u00edte do n\u011bkolika minut. Pak zb\u00fdvaj\u00ed je\u0161t\u011b dva kroky, potvrzen\u00ed p\u016fj\u010dky a samotn\u00fd p\u0159evod, a teprve na nich z\u00e1le\u017e\u00ed, jestli bude slovo \u201eihned\u201c platit doslova. \u010ctvrthodina se po\u010d\u00edt\u00e1 od potvrzen\u00ed p\u016fj\u010dky, ne od odesl\u00e1n\u00ed \u017e\u00e1dosti  Tat\u00e1\u017e slu\u017eba v \u010dast\u00fdch dotazech rozli\u0161uje dva p\u0159\u00edpady. Na \u00fa\u010det u banky, kter\u00e1 pat\u0159\u00ed mezi vybran\u00e9, doraz\u00ed pen\u00edze b\u011b\u017en\u011b do 15 minut od potvrzen\u00ed o poskytnut\u00ed p\u016fj\u010dky, na \u00fa\u010det u jin\u00e9 banky nejpozd\u011bji n\u00e1sleduj\u00edc\u00ed pracovn\u00ed den. Pro pl\u00e1nov\u00e1n\u00ed je podstatn\u00e9, odkud se ta \u010dtvrthodina po\u010d\u00edt\u00e1. Neza\u010d\u00edn\u00e1 odesl\u00e1n\u00edm \u017e\u00e1dosti, ale a\u017e potvrzen\u00edm p\u016fj\u010dky, tedy ve chv\u00edli, kdy je za v\u00e1mi ov\u011b\u0159en\u00ed i schv\u00e1len\u00ed. Kdo ov\u011b\u0159en\u00ed odlo\u017e\u00ed nebo od rozepsan\u00e9 \u017e\u00e1dosti odejde, posouv\u00e1 i za\u010d\u00e1tek lh\u016fty. I okam\u017eit\u00e1 p\u016fj\u010dka ihned na \u00fa\u010det se tedy \u0159\u00edd\u00ed t\u00edm, kdy je potvrzen\u00e1, ne t\u00edm, kdy jste vyplnili prvn\u00ed pol\u00ed\u010dko. P\u0159ihla\u0161ovac\u00ed \u00fadaje do bankovnictv\u00ed si proto p\u0159ipravte d\u0159\u00edv, ne\u017e za\u010dnete. \u00da\u010det u jin\u00e9 ne\u017e vybran\u00e9 banky znamen\u00e1 pen\u00edze nejpozd\u011bji dal\u0161\u00ed pracovn\u00ed den  Seznam vybran\u00fdch bank zve\u0159ej\u0148uje poskytovatel mezi odpov\u011b\u010fmi na \u010dast\u00e9 dotazy a vyplat\u00ed se do n\u011bj nahl\u00e9dnout d\u0159\u00edv, ne\u017e \u017e\u00e1dost ode\u0161lete. Jestli\u017ee tam svou banku nenajdete, plat\u00ed pro v\u00e1s druh\u00e1 lh\u016fta. U p\u016fj\u010dky potvrzen\u00e9 ve st\u0159edu odpoledne to znamen\u00e1 pen\u00edze nejpozd\u011bji ve \u010dtvrtek. Dva lid\u00e9, jejich\u017e p\u016fj\u010dky jsou potvrzen\u00e9 ve stejnou minutu, tak mohou m\u00edt pen\u00edze na \u00fa\u010dtu s rozd\u00edlem a\u017e jednoho pracovn\u00edho dne jen proto, \u017ee ka\u017ed\u00fd vede \u00fa\u010det u jin\u00e9 banky. Pen\u00edze nav\u00edc odch\u00e1zej\u00ed jen na osobn\u00ed \u00fa\u010det \u017eadatele veden\u00fd u banky v \u010cesku. Poslat je rovnou instalat\u00e9rovi nebo na \u00fa\u010det partnera nejde, tak\u017ee i \u0159emesln\u00edkovi zaplat\u00edte a\u017e ze sv\u00e9ho \u00fa\u010dtu, jakmile na n\u011bm \u010d\u00e1stka bude. P\u00e1te\u010dn\u00ed ve\u010der a sv\u00e1tek posouvaj\u00ed p\u0159ips\u00e1n\u00ed do ostatn\u00edch bank  Online p\u016fj\u010dky bez pap\u00edrov\u00e1n\u00ed obvykle p\u0159ij\u00edmaj\u00ed \u017e\u00e1dosti nep\u0159etr\u017eit\u011b, v\u010detn\u011b noc\u00ed, v\u00edkend\u016f a sv\u00e1tk\u016f. P\u0159ips\u00e1n\u00ed pen\u011bz do ostatn\u00edch bank se ale \u0159\u00edd\u00ed pracovn\u00edmi dny. Kdo pot\u0159ebuje zaplatit v p\u00e1tek ve\u010der a m\u00e1 \u00fa\u010det jinde ne\u017e u vybran\u00fdch bank, mus\u00ed s p\u0159ips\u00e1n\u00edm po\u010d\u00edtat a\u017e v pond\u011bl\u00ed, a p\u0159ipadne-li na pond\u011bl\u00ed st\u00e1tn\u00ed sv\u00e1tek, a\u017e v \u00fater\u00fd. Podobn\u011b se p\u0159evod prot\u00e1hne o Velikonoc\u00edch nebo o V\u00e1noc\u00edch, kdy jde n\u011bkolik voln\u00fdch dn\u016f za sebou. Pro sobotn\u00ed r\u00e1no s prasklou hadic\u00ed z toho plyne st\u0159\u00edzliv\u00fd z\u00e1v\u011br. Pokud va\u0161e banka mezi vybran\u00fdmi nen\u00ed, pen\u00edze na zaplacen\u00ed instalat\u00e9ra dopoledne m\u00edt nebudete. Vyplat\u00ed se proto rovnou zeptat, zda \u0159emesln\u00edk p\u0159ijme \u00fahradu p\u0159evodem v pond\u011bl\u00ed nebo fakturu se splatnost\u00ed, p\u0159\u00edpadn\u011b opravu zaplatit z vlastn\u00ed rezervy. Ani u vybran\u00fdch bank p\u0159itom nejde o zaru\u010den\u00fd term\u00edn: \u010dtvrthodina je b\u011b\u017en\u00e1 doba zpracov\u00e1n\u00ed, ne z\u00e1vazek, na kter\u00e9m by m\u011bla st\u00e1t domluven\u00e1 platba.  Kdo mus\u00ed zaplatit v konkr\u00e9tn\u00ed den, m\u00e1 s p\u0159evodem po\u010d\u00edtat dop\u0159edu  Jestli\u017ee v\u00edte, \u017ee platbu mus\u00edte odeslat k ur\u010dit\u00e9mu datu, t\u0159eba z\u00e1lohu za opravu nebo splatnou fakturu, nenech\u00e1vejte \u017e\u00e1dost na posledn\u00ed chv\u00edli. U \u00fa\u010dtu mimo vybran\u00e9 banky si p\u0159ipo\u010dt\u011bte jeden pracovn\u00ed den a k n\u011bmu v\u00edkend nebo sv\u00e1tek, kter\u00fd do lh\u016fty spadne. Stejn\u011b pe\u010dliv\u011b nastavte i druh\u00fd konec p\u016fj\u010dky: datum splatnosti pat\u0159\u00ed k v\u00fdplat\u011b nebo jin\u00e9mu jist\u00e9mu p\u0159\u00edjmu, rad\u011bji s malou rezervou po n\u011bm ne\u017e t\u011bsn\u011b p\u0159ed n\u00edm. Kdo porovn\u00e1v\u00e1 v\u00edce nab\u00eddek, op\u0159e se o RPSN, tedy z\u00e1konem danou sazbu, kter\u00e1 s\u010d\u00edt\u00e1 ve\u0161ker\u00e9 n\u00e1klady \u00fav\u011bru a p\u0159ev\u00e1d\u00ed je na ro\u010dn\u00ed z\u00e1klad. U p\u016fj\u010dky na p\u00e1r t\u00fddn\u016f vede tento p\u0159epo\u010det k velmi vysok\u00e9mu procentu, ani v korun\u00e1ch ale nejde o levn\u00e9 pen\u00edze. Konkr\u00e9tn\u00ed \u010d\u00e1stky \u2013 kolik si p\u016fj\u010dujete a kolik vr\u00e1t\u00edte celkem \u2013 jsou pro rozhodov\u00e1n\u00ed prakti\u010dt\u011bj\u0161\u00edm vod\u00edtkem; kalkula\u010dka na webu poskytovatele je spo\u010d\u00edt\u00e1 d\u0159\u00edv, ne\u017e cokoli ode\u0161lete, a modelov\u00fd v\u00fdpo\u010det obsahuje reprezentativn\u00ed p\u0159\u00edklad pod \u010dl\u00e1nkem. Smysl m\u00e1 kr\u00e1tkodob\u00e1 p\u016fj\u010dka u jednor\u00e1zov\u00e9ho, p\u0159echodn\u00e9ho v\u00fdpadku, nap\u0159\u00edklad po hav\u00e1rii v kuchyni, kter\u00fd pokryjete z nejbli\u017e\u0161\u00ed v\u00fdplaty. P\u0159i dlouhodob\u00e9m nedostatku pen\u011bz ale nepom\u016f\u017ee: schodek by jen posunula o p\u00e1r t\u00fddn\u016f a p\u0159idala k n\u011bmu n\u00e1klady. Rozd\u00edl mezi \u010dtvrthodinou a dal\u0161\u00edm pracovn\u00edm dnem tedy nez\u00e1vis\u00ed na tom, jak rychle klik\u00e1te, ale na bance, kde vedete \u00fa\u010det. P\u016fj\u010dkaBezPap\u00edrov\u00e1n\u00ed pos\u00edl\u00e1 pen\u00edze rovnou na v\u00e1\u0161 osobn\u00ed \u00fa\u010det a u vybran\u00fdch bank b\u00fdvaj\u00ed p\u0159ipsan\u00e9 do 15 minut od potvrzen\u00ed. Nov\u00fd klient si u n\u00ed m\u016f\u017ee p\u016fj\u010dit od 1 000 do 20 000 K\u010d, opakovan\u00fd klient s v\u010das splacen\u00fdmi p\u016fj\u010dkami a\u017e 30 000 K\u010d. Splatnost se vol\u00ed mezi 10 a 30 dny a poplatek se neplat\u00ed jen za prvn\u00ed p\u016fj\u010dku nov\u00e1\u010dka do 20 000 K\u010d se splatnost\u00ed 10 dn\u00ed; p\u0159i del\u0161\u00ed lh\u016ft\u011b u\u017e se \u00fa\u010dtuje. Reprezentativn\u00ed p\u0159\u00edklad: Celkov\u00e1 v\u00fd\u0161e spot\u0159ebitelsk\u00e9ho \u00fav\u011bru 1000 K\u010d, Doba trv\u00e1n\u00ed 30 dn\u00ed, Poplatek za poskytnut\u00ed \u00fav\u011bru 360 K\u010d, Ro\u010dn\u00ed \u00farokov\u00e1 sazba 36,5 %, RPSN 5395,58 %, Celkov\u00e1 \u010d\u00e1stka splatn\u00e1 spot\u0159ebitelem 1390 K\u010d.                                                                                                                                                                                                                                                                                                                                                                                                  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