{"id":76801,"date":"2024-12-10T15:37:56","date_gmt":"2024-12-10T14:37:56","guid":{"rendered":"https:\/\/lightweb.dev\/l\/svm-temp\/?p=76801"},"modified":"2024-12-10T15:38:25","modified_gmt":"2024-12-10T14:38:25","slug":"alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar","status":"publish","type":"post","link":"https:\/\/lightweb.dev\/l\/svm-temp\/nyheter\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\/","title":{"rendered":"Alla banktransaktioner blir gratis fr\u00e5n och med n\u00e4sta \u00e5r"},"content":{"rendered":"

Den f\u00f6rsta januari n\u00e4sta \u00e5r f\u00f6r med sig en stor f\u00f6r\u00e4ndring n\u00e4r det g\u00e4ller digitala bank\u00f6verf\u00f6ringar.\u00a0<\/strong><\/p>\n

P\u00e5 grund av nya EU-direktiv kommer alla bank\u00f6verf\u00f6ringar vara gratis och ske med omedelbar verkan. I dag finns det tv\u00e5 typer av transaktioner. De som \u00e4r kostnadsfria men tar tv\u00e5 till tre arbetsdagar och de som sker direkt men kostar f\u00f6r den som skickar beloppet.\u00a0<\/span><\/p>\n

Fr\u00e5n och med n\u00e4sta \u00e5r blir det allts\u00e5 snabbare och billigare att flytta pengar. D\u00e5 de \u00f6verf\u00f6ringar som sker p\u00e5 en g\u00e5ng blir helt gratis.\u00a0<\/span><\/p>\n

Idag kan det vara ganska dyrt att skicka pengarna med \u00f6verf\u00f6ringar som genomf\u00f6rs direkt. Bankinter tar 0,4 procent med ett minimibelopp p\u00e5 12 euro. CaixaBank tar 1,99 euro plus 0,4 procent med en minsta \u00f6verf\u00f6ring p\u00e5 1,95 euro. Men inom mindre \u00e4n en m\u00e5nad \u00e4r detta allts\u00e5 inget man beh\u00f6ver t\u00e4nka p\u00e5 l\u00e4ngre.\u00a0<\/span><\/p>\n

\u00c4ndringar sker i enlighet med nya EU-direktiv som kommit p\u00e5 plats f\u00f6r att matcha tj\u00e4nsterna hos \u00f6verf\u00f6ringsappar som spanska Bizzum eller svenska Swish.\u00a0<\/span><\/p>\n

I direktiven st\u00e5r \u00e4ven att \u201cdirektheten av \u00f6verf\u00f6ringen m\u00e5ste garanteras\u201d. Det inneb\u00e4r att pengarna b\u00f6r skickas inom 10 sekunder och att avs\u00e4ndaren ska meddelas n\u00e4r betalningen \u00e4r genomf\u00f6rd.\u00a0<\/span><\/p>\n

G\u00e4ller bara digitala betalningar<\/span><\/h2>\n

Alla spanska banker har bekr\u00e4ftat att de \u00e4r redo f\u00f6r de nya reglerna fr\u00e5n och med n\u00e4sta \u00e5r. Det \u00e4r dock viktigt att komma ih\u00e5g att dessa endast g\u00e4ller betalningar som g\u00f6rs digitalt. Den som vill g\u00f6ra en \u00f6verf\u00f6ring i egen h\u00f6g person p\u00e5 ett bankkontor kan fortfarande beh\u00f6va v\u00e4nta tv\u00e5 till tre arbetsdagar p\u00e5 att den genomf\u00f6rs.\u00a0<\/span><\/p>\n

Bakom de nya best\u00e4mmelserna finns en vilja hos EU att standardisera betalningar i unionen. \u201cF\u00f6r att skapa en integrerad marknad f\u00f6r omedelbara \u00f6verf\u00f6ringar i euro \u00e4r det av h\u00f6gsta vikt att transaktioner sker i enlighet med gemensamma regler och krav\u201d.\u00a0<\/span><\/p>\n

Regelverket g\u00e4ller inte bara i EMU-l\u00e4nderna utan \u00e4ven i de EU-l\u00e4nder som fortfarande har en egen valuta.\u00a0<\/span><\/p>\n

F\u00f6r att garantera s\u00e4kerheten inneb\u00e4r de nya reglerna att bankerna m\u00e5ste erbjuda fingeravtrycksverifiering i sina appar. Kunder ska \u00e4ven uppmanas att s\u00e4tta ett maxbelopp som dock ska vara enkelt att h\u00f6ja och s\u00e4nka om man skulle ha behov av det.\u00a0<\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Den f\u00f6rsta januari n\u00e4sta \u00e5r f\u00f6r med sig en stor f\u00f6r\u00e4ndring n\u00e4r det g\u00e4ller digitala bank\u00f6verf\u00f6ringar.\u00a0<\/p>\n","protected":false},"author":14,"featured_media":60948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[351,3],"tags":[],"class_list":["post-76801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-nyheter","category-nyheter"],"yoast_head":"\nAlla banktransaktioner blir gratis fr\u00e5n och med n\u00e4sta \u00e5r - Svenska Magasinet<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alla banktransaktioner blir gratis fr\u00e5n och med n\u00e4sta \u00e5r\" \/>\n<meta property=\"og:description\" content=\"Den f\u00f6rsta januari n\u00e4sta \u00e5r f\u00f6r med sig en stor f\u00f6r\u00e4ndring n\u00e4r det g\u00e4ller digitala bank\u00f6verf\u00f6ringar.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lightweb.dev\/l\/svm-temp\/artiklar\/ekonomi\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\/\" \/>\n<meta property=\"og:site_name\" content=\"Svenska Magasinet\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/svenskamagasinet\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-10T14:37:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-10T14:38:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2023\/01\/Banco-Santander-Ciudad-Financiera-Madrid_2104599548_6870308_1300x731-stor.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robbie Eriksson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@SvenskaMagasine\" \/>\n<meta name=\"twitter:site\" content=\"@SvenskaMagasine\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\\\/\"},\"author\":{\"name\":\"Robbie Eriksson\",\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/#\\\/schema\\\/person\\\/caffe038990d25722f5a04a03c906a2b\"},\"headline\":\"Alla banktransaktioner blir gratis fr\u00e5n och med n\u00e4sta \u00e5r\",\"datePublished\":\"2024-12-10T14:37:56+00:00\",\"dateModified\":\"2024-12-10T14:38:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\\\/\"},\"wordCount\":418,\"publisher\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/Banco-Santander-Ciudad-Financiera-Madrid_2104599548_6870308_1300x731-stor.jpeg\",\"articleSection\":[\"Ekonomi\",\"Nyheter\"],\"inLanguage\":\"sv-SE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\\\/\",\"url\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/alla-banktransaktioner-blir-gratis-fran-och-med-nasta-ar\\\/\",\"name\":\"Alla banktransaktioner blir gratis fr\u00e5n och med n\u00e4sta \u00e5r - 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