[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.divernet.cz\/bankovni-ucet-pro-deti\/#Article","mainEntityOfPage":"https:\/\/www.divernet.cz\/bankovni-ucet-pro-deti\/","headline":"Bankovn\u00ed \u00fa\u010det pro d\u011bti","name":"Bankovn\u00ed \u00fa\u010det pro d\u011bti","description":"V\u0161ichni rodi\u010de se d\u0159\u00edve \u010di pozd\u011bji dostanou do situace, kdy jim jejich mal\u00e9 d\u00edtko u pen\u011b\u017en\u00edho bankomatu \u0161ept\u00e1 prosbu o sd\u011blen\u00ed tajn\u00e9ho \u010d\u00edsla, aby si mohlo tak\u00e9 vyzkou\u0161et, jak ten z\u00e1hadn\u00fd stroj funguje. V\u00a0tomto p\u0159\u00edpad\u011b … ","datePublished":"2019-06-21","dateModified":"2019-06-21","author":{"@type":"Person","@id":"https:\/\/www.divernet.cz\/author\/#Person","name":"","url":"https:\/\/www.divernet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/53c590fdd1ec24ee297a15a00a0829b5191e9163e4cc5dbbee20ed40fcc30ad9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/53c590fdd1ec24ee297a15a00a0829b5191e9163e4cc5dbbee20ed40fcc30ad9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"divernet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.divernet.cz\/wp-content\/uploads\/img_a351351_w2815_t1566033687.jpg","url":"https:\/\/www.divernet.cz\/wp-content\/uploads\/img_a351351_w2815_t1566033687.jpg","height":0,"width":0},"url":"https:\/\/www.divernet.cz\/bankovni-ucet-pro-deti\/","wordCount":607,"articleBody":"V\u0161ichni rodi\u010de se d\u0159\u00edve \u010di pozd\u011bji dostanou do situace, kdy jim jejich mal\u00e9 d\u00edtko u pen\u011b\u017en\u00edho bankomatu \u0161ept\u00e1 prosbu o sd\u011blen\u00ed tajn\u00e9ho \u010d\u00edsla, aby si mohlo tak\u00e9 vyzkou\u0161et, jak ten z\u00e1hadn\u00fd stroj funguje. V\u00a0tomto p\u0159\u00edpad\u011b je pak na m\u00edst\u011b za\u010d\u00edt se poohl\u00ed\u017eet po mo\u017enosti z\u0159\u00eddit milovan\u00e9mu d\u00edtku vlastn\u00ed bankovn\u00ed \u00fa\u010det.A\u010d je mo\u017enost z\u0159\u00eddit \u00fa\u010det ji\u017e v\u00a0dob\u011b narozen\u00ed, v\u011bt\u0161ina rodi\u010d\u016f si po\u010dk\u00e1 pr\u00e1v\u011b na ten zv\u00eddav\u00fd okam\u017eik, kdy pak hrd\u00e9 d\u00edtko m\u016f\u017ee p\u0159ij\u00edt se sv\u00fdm rodi\u010dem do vybran\u00e9ho bankovn\u00edho \u00fastavu a o tuto slu\u017ebu po\u017e\u00e1dat. V\u00a0dne\u0161n\u00ed dob\u011b umo\u017enuje z\u0159\u00eddit \u00fa\u010det pro d\u00edt\u011b do 15 let v\u011bku n\u011bkolik bankovn\u00edch \u00fastav\u016f a jejich slu\u017eby se v\u00a0lec\u010dems li\u0161\u00ed. \u00a0V\u00a0drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nav\u0161t\u00edv\u00edme sv\u016fj bankovn\u00ed \u00fastav a nov\u00fd \u00fa\u010det je p\u0159i\u0159azen k\u00a0na\u0161emu internetov\u00e9mu a mobiln\u00edmu bankovnictv\u00ed. Do tohoto okam\u017eiku jsou slu\u017eby jednotliv\u00fdch poskytovatel\u016f v\u00edcem\u00e9n\u011b stejn\u00e9. Nyn\u00ed si ov\u0161em mus\u00edme odpov\u011bd\u011bt na ot\u00e1zku, jak moc aktivn\u00ed \u010di pasivn\u00ed \u00fa\u010det chceme. Ka\u017edop\u00e1dn\u011b v\u00a0ka\u017ed\u00e9m p\u0159\u00edpad\u011b je \u00fa\u010det a prost\u0159edky na n\u011bm pod naprost\u00fdm dohledem rodi\u010d\u016f. Pokud je Va\u0161e d\u00edt\u011b v\u00edce zv\u00eddav\u00e9 a nesta\u010d\u00ed mu pouze sledovat, jak pen\u00edze na jeho \u00fa\u010dtu p\u0159ib\u00fdvaj\u00ed, vyu\u017eijete sp\u00ed\u0161e nab\u00eddku, kter\u00e1 k\u00a0d\u011btsk\u00e9mu \u00fa\u010dtu nab\u00edz\u00ed v\u00edce slu\u017eeb. V\u00e1\u0161 mal\u00fd ekonom si pak m\u016f\u017ee ke sv\u00e9mu \u00fa\u010dtu z\u0159\u00eddit i spo\u0159\u00edc\u00ed pod\u00fa\u010dty s\u00a0vlastn\u00edmi n\u00e1zvy, mezi nimi\u017e si p\u0159ev\u00e1d\u00ed pen\u00edze dle moment\u00e1ln\u00ed pot\u0159eby, tak\u017ee okam\u017eit\u011b vid\u00ed, kolik pen\u011bz je\u0161t\u011b mus\u00ed uspo\u0159it na kolo a kolik na nov\u00fd telefon. Zde je nutn\u00e9 zd\u016fraznit, \u017ee mal\u00fd vlastn\u00edk \u00fa\u010dtu m\u016f\u017ee prov\u00e1d\u011bt transakce pouze mezi vlastn\u00edmi \u00fa\u010dty a rodi\u010d k\u00a0nim m\u00e1 v\u017edy p\u0159\u00edstup. Ten tak\u00e9 m\u016f\u017ee p\u0159ev\u00e1d\u011bt pen\u00edze z\u00a0d\u011btsk\u00e9ho konta na konto rodinn\u00e9.Po dal\u0161\u00edch p\u00e1r letech se d\u00edtko dostane do v\u011bku, kdy chce svoje pen\u00edze aktivn\u011b pou\u017e\u00edvat a nechce b\u00fdt ji\u017e z\u00e1visl\u00e9 na pomoci rodi\u010d\u016f. Pak p\u0159ich\u00e1z\u00ed na \u0159adu prvn\u00ed bankovn\u00ed karta. Banky ji nab\u00edzej\u00ed v\u011bt\u0161inou od v\u011bku 8 let a je plnohodnotnou platebn\u00ed kartou. Proto je zde na m\u00edst\u011b pouk\u00e1zat na nutnost nastaven\u00ed bezpe\u010dnostn\u00edch prvk\u016f a limit\u016f pro povolen\u00e9 platby. Kontrola je pak op\u011bt v\u00a0rukou rodi\u010d\u016f.D\u011btsk\u00fd \u00fa\u010det se ve v\u011bt\u0161in\u011b bank pro 15 let\u00e9 teenagery p\u0159ev\u00e1d\u00ed na studentsk\u00e9 konto, kter\u00e9 ji\u017e je t\u00e9m\u011b\u0159 plnohodnotn\u00fdm bankovn\u00edm \u00fa\u010dtem.A\u010d ji\u017e z\u0159izujeme d\u011btsk\u00e9 nebo studentsk\u00e9 konto, je t\u0159eba se zaj\u00edmat o poplatky za v\u00fdb\u011bry z\u00a0bankomat\u016f. V\u00a0tomto se jednotliv\u00e9 nab\u00eddky bohu\u017eel li\u0161\u00ed a i u studentsk\u00fdch \u00fa\u010dt\u016f tyto slu\u017eby n\u011bkter\u00e9 banky zpoplat\u0148uj\u00ed nebo ur\u010duj\u00ed podm\u00ednky, za jejich\u017e spln\u011bn\u00ed je poplatek roven 0 K\u010d. Ka\u017edop\u00e1dn\u011b se v\u00a0dob\u011b modern\u00edch technologi\u00ed bez internetov\u00e9ho a mobiln\u00edho bankovnictv\u00ed ji\u017e t\u011b\u017eko obejdeme. D\u011btsk\u00e9 \u00fa\u010dty mohou p\u0159irozenou formou p\u0159ipravit na\u0161e d\u011bti na virtu\u00e1ln\u00ed sv\u011bt pen\u011b\u017en\u00edch transakc\u00ed a mohou jim pomoci pochopit z\u00e1hadu bankomat\u016f.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed \u00fa\u010det pro d\u011bti","item":"https:\/\/www.divernet.cz\/bankovni-ucet-pro-deti\/#breadcrumbitem"}]}]