{"id":3646,"date":"2019-06-30T18:25:16","date_gmt":"2019-06-30T16:25:16","guid":{"rendered":"https:\/\/financer.sk\/?post_type=company_single&#038;p=3646"},"modified":"2024-09-09T11:47:47","modified_gmt":"2024-09-09T09:47:47","slug":"365-banka","status":"publish","type":"company_single","link":"https:\/\/financer.sk\/spolocnost\/365-banka\/","title":{"rendered":"365. bank"},"content":{"rendered":"\n<p>Nov\u00e1 banka 365 bank vst\u00fapila po testovacej beta verzii do ostrej prev\u00e1dzky e\u0161te v novembri 2018 ako od\u0161tepn\u00fd z\u00e1vod materskej Po\u0161tovej banky. <\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zkladn_informcie\">Z\u00e1kladn\u00e9 inform\u00e1cie<\/h2>\n\n\n\n<p>P\u00fd\u0161i sa titulom prvej slovenskej mobil banky, kde v\u00e1m ku komunik\u00e1cii a v\u0161etk\u00fdm bankov\u00fdm oper\u00e1ci\u00e1m sta\u010d\u00ed mobiln\u00e1 aplik\u00e1cia.<\/p>\n\n\n\n<p>Po stiahnut\u00ed aplik\u00e1cie dostupnej ako pre Android, tak aj pre opera\u010dn\u00e9 syst\u00e9my iOS, si dok\u00e1\u017eete zalo\u017ei\u0165 <strong>bezplatn\u00fd bankov\u00fd \u00fa\u010det u\u017e do desiatich min\u00fat<\/strong>, pri\u010dom cel\u00fd proces prebehne pohodlne online bez nutnosti kamko\u013evek chodi\u0165.<\/p>\n\n\n\n<p>Ak spln\u00edte tento z\u00e1kladn\u00fd predpoklad, otv\u00e1raj\u00fa sa v\u00e1m \u0161ir\u0161ie mo\u017enosti. <\/p>\n\n\n\n<p>Okrem bezplatn\u00e9ho bankov\u00e9ho \u00fa\u010dtu a modernej platobnej karty m\u00f4\u017eete ako nov\u00fd klient 365 banky vyu\u017e\u00edva\u0165 aj slu\u017eby sporenia a takisto m\u00f4\u017eete po\u017eiada\u0165 o <strong>p\u00f4\u017ei\u010dku a\u017e do v\u00fd\u0161ky 40 000 \u20ac<\/strong><strong> so splatnos\u0165ou 1 rok a\u017e 8 rokov<\/strong> s jednotn\u00fdm \u00farokom 6 % ro\u010dne po\u010das celej doby spl\u00e1cania.<\/p>\n\n\n\n<p>Aj Financer.com Slovensko m\u00e1 s 365 bankou sk\u00fasenosti. Bli\u017e\u0161ie sme sa na ich slu\u017eby pozreli v <a href=\"https:\/\/financer.sk\/365-bank\/\">tomto \u010dl\u00e1nku<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h2>\n\n\n\n<ul>\n<li>Banka, ktor\u00e1 je kompletne online<\/li>\n\n\n\n<li>Mo\u017enos\u0165 Apple Pay a Garmin Pay<\/li>\n\n\n\n<li>P\u00f4\u017ei\u010dka a\u017e do 40 000 \u20ac<\/li>\n\n\n\n<li>Jednotn\u00fd \u00farok 6 % ro\u010dne<\/li>\n\n\n\n<li>Bezplatn\u00fd bankov\u00fd \u00fa\u010det<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Obmedzen\u00e9 portf\u00f3lio produktov<\/li>\n\n\n\n<li>Bez aplik\u00e1cie neurob\u00edte ni\u010d<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Internet_banking\">Internet banking<\/h2>\n\n\n\n<p>Najmlad\u0161ia spomedzi slovensk\u00fdch b\u00e1nk, 365 banka, pon\u00faka v\u00a0r\u00e1mci slu\u017eieb internet bankingu mno\u017estvo vychyt\u00e1vok, ktor\u00fdm ostatn\u00e9 slovensk\u00e9 banky nem\u00f4\u017eu konkurova\u0165. <\/p>\n\n\n\n<p>Do desktopovej verzie bankingu sa prihlasujete pomocou mailu, ktor\u00fd ste zad\u00e1vali pri zakladan\u00ed \u00fa\u010dtu, a\u00a0hesla.<\/p>\n\n\n\n<p>Kreat\u00edvnej\u0161ie sp\u00f4soby prihlasovania pon\u00faka mobiln\u00e1 aplik\u00e1cia, kde si m\u00f4\u017eete nastavi\u0165 okrem klasick\u00e9ho PIN k\u00f3du aj v\u00e1\u0161 odtla\u010dok prsta \u010di tv\u00e1rov\u00fa biometriu. <\/p>\n\n\n\n<p>365 banka pon\u00faka dokonca prihl\u00e1senie cez PIE (Personal Identification Emoji) k\u00f3d. <strong>Pri PIE k\u00f3de m\u00e1te na v\u00fdber 32 r\u00f4znych emojis<\/strong>, z\u00a0ktor\u00fdch si vytvor\u00edte vlastn\u00fd, kreat\u00edvny \u0161tvormiestny k\u00f3d.<\/p>\n\n\n\n<p>Mobiln\u00e1 aplik\u00e1cia je user-friendly, interakt\u00edvna a\u00a0\u013eahko ovl\u00e1date\u013en\u00e1 takmer pre ka\u017ed\u00e9ho. Pon\u00faka najr\u00f4znej\u0161ie funkcionality vr\u00e1tane zobrazovania inteligentn\u00e9ho zostatku, zalo\u017eenia sporiacich pod\u00fa\u010dtov na r\u00f4zne \u00fa\u010dely a\u00a0podobne. <\/p>\n\n\n\n<p>Jej nev\u00fdhodou je v\u0161ak nevyhnutnos\u0165 \u010dast\u00fdch aktualiz\u00e1cii, stretn\u00fa\u0165 sa m\u00f4\u017eete aj s padan\u00edm aplik\u00e1cie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pika_do_40_000_\">P\u00f4\u017ei\u010dka do 40 000 \u20ac<\/h2>\n\n\n\n<p>365.bank poskytuje svojim z\u00e1kazn\u00edkom nieko\u013eko typov p\u00f4\u017ei\u010diek. Digit\u00e1lnu p\u00f4\u017ei\u010dku viete z\u00edska\u0165 kompletne online a\u017e do v\u00fd\u0161ky 20 000 eur. P\u00f4\u017ei\u010dku od 365, ktor\u00fa vybav\u00edte na akejko\u013evek pobo\u010dke, m\u00f4\u017eete z\u00edska\u0165 a\u017e do 40 000 \u20ac.<\/p>\n\n\n\n<p>Ak\u00e9 s\u00fa v\u00fdhody Digit\u00e1lnej p\u00f4\u017ei\u010dky od 365.bank:<\/p>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Bez\u00fa\u010delov\u00e1 p\u00f4\u017ei\u010dka od 300 do 20 000 EUR<\/li>\n\n\n\n<li>Rovnak\u00fd \u00farok 6 % ro\u010dne pre ka\u017ed\u00e9ho<\/li>\n\n\n\n<li>Splatnos\u0165 3 mesiace a\u017e 8 rokov<\/li>\n\n\n\n<li>Bez poplatku za poskytnutie<\/li>\n\n\n\n<li>Pre ka\u017ed\u00e9ho klienta 365 banky<\/li>\n\n\n\n<li>P\u00f4\u017ei\u010dku vybav\u00edte cez mobil<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Reprezentatvny_prklad\">Reprezentat\u00edvny pr\u00edklad<\/h3><p>Pri p\u00f4\u017ei\u010dke vo v\u00fd\u0161ke 6 000 \u20ac, s \u00farokovou sadzbou 5,00 % p. a., s po\u010dtom mesa\u010dn\u00fdch spl\u00e1tok 95 vo v\u00fd\u0161ke 76,23 \u20ac a s poslednou 96. spl\u00e1tkou vo v\u00fd\u0161ke 76,10 \u20ac, bez poplatku za poskytnutie \u00faveru, je RPMN vo v\u00fd\u0161ke 5,20% a celkov\u00e1 suma, ktor\u00fa mus\u00ed spotrebite\u013e zaplati\u0165, je 7 317,95 \u20ac. Na schv\u00e1lenie a poskytnutie p\u00f4\u017ei\u010dky nie je pr\u00e1vny n\u00e1rok.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Podmienky\">Podmienky<\/h2>\n\n\n\n<p>Pre \u017eiados\u0165 o p\u00f4\u017ei\u010dku sa najsk\u00f4r mus\u00edte sta\u0165 klientom 365 banky. Urob\u00edte tak jednoducho, zalo\u017een\u00edm bezplatn\u00e9ho digit\u00e1lneho \u00fa\u010dtu.<\/p>\n\n\n\n<p>Zalo\u017eenie zvl\u00e1dnete za 10 min\u00fat pohodlne online a sta\u010d\u00ed v\u00e1m k nemu ob\u010diansky preukaz. Pozrite sa, <a href=\"https:\/\/financer.sk\/365-bank\/\" data-type=\"post\" data-id=\"2743\">ako si zalo\u017ei\u0165 \u00fa\u010det v 365 banke<\/a>.<\/p>\n\n\n\n<p>\u010eal\u0161\u00edmi podmienkami s\u00fa:<\/p>\n\n\n\n<ul class=\"is-style-default\">\n<li>Potvrdenie o pr\u00edjme<\/li>\n\n\n\n<li>N\u00e1zov zamestn\u00e1vate\u013ea<\/li>\n\n\n\n<li>Niektor\u00e9 inform\u00e1cie z pracovnej zmluvy<\/li>\n<\/ul>\n\n\n\n<p>Na orienta\u010dn\u00fd v\u00fdpo\u010det v\u00fd\u0161ky va\u0161ich spl\u00e1tok m\u00f4\u017eete pou\u017ei\u0165 na\u0161u <a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/splatkova-kalkulacka\/\" data-type=\"page\" data-id=\"829\">spl\u00e1tkov\u00fa kalkula\u010dku<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zabezpeenie_veru\">Zabezpe\u010denie \u00faveru<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Sp\u00f4sob zabezpe\u010denia<\/th><th>Je to k dispoz\u00edcii?<\/th><\/tr><\/thead><tbody><tr><td>Povinn\u00e9 poistenie spl\u00e1cania \u00faveru<\/td><td>Nie<\/td><\/tr><tr><td>Povinn\u00e9 \u017eivotn\u00e9 poistenie<\/td><td>Nie<\/td><\/tr><tr><td>Doklady potrebn\u00e9 k \u017eiadosti o p\u00f4\u017ei\u010dku <\/td><td>Ob\u010diansky preukaz<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u00daver je bez poplatkov. Neplat\u00edte za jeho poskytnutie, za zmeny v \u00faverovej zmluve ani za pred\u010dasn\u00e9 splatenie.<\/p>\n\n\n\n<p>V pr\u00edpade v\u00e1\u0161ho ome\u0161kania so spl\u00e1tkami si banka bude uplat\u0148ova\u0165 \u00fahradu skuto\u010dn\u00fdch n\u00e1kladov spojen\u00fdch s vym\u00e1han\u00edm dl\u017enej \u010diastky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Referencie_produktov\">Referencie produktov<\/h2>\n\n\n\n<p>Pozreli sme sa bli\u017e\u0161ie na jej produkty, toto je n\u00e1\u0161 poh\u013ead:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pika\">P\u00f4\u017ei\u010dka<\/h3>\n\n\n\n<p id=\"Pika\">P\u00f4\u017ei\u010dka od 365 banky je na slovenskom finan\u010dnom trhu nov\u00e1\u010dikom. Ide o pilotn\u00fa verziu p\u00f4\u017ei\u010dky dostupn\u00fa len pre klientov 365 banky, \u010do hodnot\u00edme v zmysle expanzie ako logick\u00fd krok.<\/p>\n\n\n\n<p>Ak sa stanete klientom banky, m\u00f4\u017eete po\u017eiada\u0165 o bez\u00fa\u010delov\u00fa p\u00f4\u017ei\u010dku do v\u00fd\u0161ky 40 000 \u20ac s \u00farokom 6 % ro\u010dne. <\/p>\n\n\n\n<p>Ten je rovnak\u00fd pre v\u0161etk\u00fdch klientov bez oh\u013eadu na va\u0161u bonitu a \u00faverov\u00fa minulos\u0165 a z\u00e1rove\u0148 najlep\u0161\u00ed v porovnan\u00ed s ostatn\u00fdmi bankami. P\u00f4\u017ei\u010dku vyrie\u0161ite pohodlne cez mobiln\u00fa aplik\u00e1ciu.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/spolocnost\/365-banka\/pozicka\/\">Viac inform\u00e1ci\u00ed o p\u00f4\u017ei\u010dke<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Sporenie\">Sporenie<\/h3>\n\n\n\n<p>\u010eal\u0161\u00edm produktom banky je sporenie. Tu m\u00e1te na v\u00fdber z dvoch z\u00e1kladn\u00fdch variant. Prv\u00fdm je <strong>klasick\u00e9 sporenie<\/strong>, ktor\u00e9 funguje podobne ako u in\u00fdch slovensk\u00fdch b\u00e1nk.<\/p>\n\n\n\n<p>M\u00f4\u017eete si otvori\u0165 nieko\u013eko sporiacich \u00fa\u010dtov a mesa\u010dne na ne posiela\u0165 vopred ur\u010den\u00fa \u010diastku. K tejto \u010diastke je v\u00e1m raz mesa\u010dne pripisovan\u00fd \u00farok 0,365%.<\/p>\n\n\n\n<p>Novinkou je takzvan\u00e9 <a href=\"https:\/\/financer.sk\/spolocnost\/365-banka\/sporenie\/\" data-type=\"company_single\" data-id=\"5959\">syslenie<\/a><strong>.<\/strong> Jeho princ\u00edp spo\u010d\u00edva v zaokr\u00fah\u013eovan\u00ed va\u0161ich platieb kartou smerom nahor.<\/p>\n\n\n\n<p>Napr\u00edklad na cel\u00e9 euro. To v praxi znamen\u00e1, \u017ee ak pri najbli\u017e\u0161om n\u00e1kupe v potravin\u00e1ch zaplat\u00edte 23 eur a 45 centov, zvy\u0161n\u00fdch 55 centov sa automaticky presunie na va\u0161e sporenie.<\/p>\n\n\n\n<p>Dok\u00fdm si na \u0148om nevyzbierate \u010diastku 1 500 \u20ac, bude sa \u00faro\u010di\u0165 takisto sadzbou 3,65 %.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/spolocnost\/365-banka\/sporenie\/\">Viac inform\u00e1ci\u00ed o sporen\u00ed<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cieov_skupina\">Cie\u013eov\u00e1 skupina<\/h3>\n\n\n\n<p>Z doteraj\u0161ieho marketingu a celkov\u00e9ho osobn\u00e9ho pr\u00edstupu banky je zrejm\u00e9, \u017ee jej cie\u013eov\u00fa skupinu tvoria predov\u0161etk\u00fdm mlad\u00ed, modern\u00ed \u013eudia v produkt\u00edvnom sp\u00e4t\u00ed s mobiln\u00fdmi telef\u00f3nmi. <\/p>\n\n\n\n<p>Av\u0161ak ani pri p\u00f4\u017ei\u010dke, ani pri ostatn\u00fdch bankov\u00fdch produktoch po\u010dn\u00fac bezplatn\u00fdm bankov\u00fdm \u00fa\u010dtom a sporen\u00edm, <strong>banka nekladie \u017eiadne obmedzenia t\u00fdkaj\u00face sa veku<\/strong>. Jedinou podmienkou nateraz zost\u00e1va by\u0165 klientom 365 banky.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Zkazncky_servis\">Z\u00e1kazn\u00edcky servis<\/h3>\n\n\n\n<p>Nako\u013eko 365 banka sama proklamuje, \u017ee je prvou plne mobilnou bankou na Slovensku, podriadila tomu aj svoj z\u00e1kazn\u00edcky servis. <\/p>\n\n\n\n<p>Pri \u017eiadosti o p\u00f4\u017ei\u010dku a aj pri zakladan\u00ed \u00fa\u010dtu v\u0161etko vyrie\u0161ia jednoduch\u00fdm videohovorom, na telef\u00f3nnej z\u00e1kazn\u00edckej linke s\u00fa dostupn\u00ed po\u010das v\u0161etk\u00fdch dn\u00ed okrem sviatkov od 07:00 do 22:00. <\/p>\n\n\n\n<p>Z banky c\u00edti\u0165 mlad\u00edcky entuziazmus a t\u00fa\u017ebu robi\u0165 veci inak, ne\u017e sme boli doteraz u b\u00e1nk zvyknut\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Sksenosti\">Sk\u00fasenosti<\/h3>\n\n\n\n<p>M\u00e1te sk\u00fasenosti s 365 bankou? Pom\u00f4\u017ete ostatn\u00fdm \u010ditate\u013eom v rozhodovan\u00ed a zanechajte svoje hodnotenie na \u0161k\u00e1le od 1-5 v \u0161tyroch r\u00f4znych oblastiach hodnotenia.<\/p>\n\n\n\n<p>Na\u0161e sk\u00fasenosti s touto bankou si m\u00f4\u017eete pre\u010d\u00edta\u0165 v <a href=\"https:\/\/financer.sk\/365-bank\/\">tomto \u010dl\u00e1nku<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Vaa_recenzia\">Va\u0161a recenzia<\/h3><p style=\"text-align: center\">M\u00e1te sk\u00fasenosti s 365 bank? Povedzte n\u00e1m o nich v koment\u00e1roch a u\u013eah\u010dite tak rozhodovanie in\u00fdm.<\/p><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>O ak\u00fd typ \u00faveru ide?<\/h4><div class=\"faq_inner\"><p>365 banka poskytuje bez\u00fa\u010delov\u00fd \u00faver do v\u00fd\u0161ky 10 000 EUR pre ka\u017ed\u00e9ho svojho klienta bez nutnosti ru\u010dite\u013ea a dokladovania \u00fa\u010delu.<\/p><\/div><h4>Ako po\u017eiada\u0165 o p\u00f4\u017ei\u010dku?<\/h4><div class=\"faq_inner\"><p><!-- wp:paragraph --><\/p>\n<p>Ak e\u0161te nie ste klientmi 365 banky a chcete po\u017eiada\u0165 o ich p\u00f4\u017ei\u010dku, mus\u00edte sa nimi sta\u0165. Po\u017ei\u010diavaj\u00fa toti\u017e iba svojim klientom. Stanete sa n\u00edm jednoducho, sta\u010d\u00ed si do svojho telef\u00f3nu stiahnu\u0165 aplik\u00e1ciu 365 banky a otvori\u0165 si be\u017en\u00fd \u00fa\u010det, ktor\u00e9ho vedenie je zadarmo. Tento proces v\u00e1m zaberie maxim\u00e1lne 15 min\u00fat a vyrie\u0161ite ho online.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Ak u\u017e ste klientmi 365 banky, o p\u00f4\u017ei\u010dku m\u00f4\u017eete po\u017eiada\u0165 prostredn\u00edctvom mobilnej aplik\u00e1cie. Sta\u010d\u00ed zvoli\u0165 \u201eProdukty\u201c a n\u00e1sledne \u201eP\u00f4\u017ei\u010dka\u201c. Potom si zvol\u00edte sumu, o ktor\u00fa m\u00e1te z\u00e1ujem a budete nasledova\u0165 in\u0161trukcie.<\/p>\n<p><!-- \/wp:paragraph --><\/p><\/div><h4>Je p\u00f4\u017ei\u010dka bez dodato\u010dn\u00fdch poplatkov?<\/h4><div class=\"faq_inner\"><p><!-- wp:heading {\"level\":4} --><\/p>\n<p>\u00c1no, neplat\u00edte ni\u010d za poskytnutie ani sprostredkovanie p\u00f4\u017ei\u010dky. Mimoriadna spl\u00e1tka je takisto bez poplatkov.<\/p>\n<p><!-- \/wp:paragraph --><\/p><\/div><\/div>","protected":false},"author":87,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1],"company_type":[1097,6],"overall_rating":"1.90000000","_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single\/3646"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/comments?post=3646"}],"version-history":[{"count":49,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single\/3646\/revisions"}],"predecessor-version":[{"id":78362,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_single\/3646\/revisions\/78362"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=3646"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=3646"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/company_type?post=3646"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}