{"id":20099,"date":"2026-01-07T09:00:45","date_gmt":"2026-01-07T08:00:45","guid":{"rendered":"https:\/\/zaposlise.hr\/blog\/?p=20099"},"modified":"2026-01-03T12:30:21","modified_gmt":"2026-01-03T11:30:21","slug":"banke-besplatan-racun","status":"publish","type":"post","link":"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/","title":{"rendered":"Banke daju besplatan ra\u010dun za redovna primanja"},"content":{"rendered":"<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">5<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>Banke donose zaokret koji se ti\u010de svih. S prvim radnim danom 2026. godine na snagu je stupio novi <a href=\"https:\/\/www.zakon.hr\/z\/935\/zakon-o-usporedivosti-naknada%2C-prebacivanju-racuna-za-placanje-i-pristupu-osnovnom-racunu\">Zakon o usporedivosti naknada, prebacivanju ra\u010duna za pla\u0107anje i pristupu osnovnom ra\u010dunu<\/a>.<\/p>\n<p>Navedeni zakon\u00a0gra\u0111anima Hrvatske donosi zna\u010dajne promjene u bankarskom poslovanju. Naime, svaki gra\u0111anin ima pravo zatra\u017eiti besplatan bankovni ra\u010dun za redovna primanja.<\/p>\n<p>Ta redovna primanja mogu biti\u00a0pla\u0107e, <a href=\"https:\/\/zaposlise.hr\/blog\/dodatak-na-mirovinu-krece-s-isplatom\/\">mirovine<\/a>, stipendije ili naknade za vrijeme nezaposlenosti. Taj bankovni ra\u010dun se vodi\u00a0bez naknada za osnovne usluge.<\/p>\n<p>Radi se o va\u017enom koraku prema ve\u0107oj financijskoj uklju\u010denosti i smanjenju tro\u0161kova za korisnike koji su do sada pla\u0107ali brojne bankovne naknade.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_64 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Sadr\u017eaj<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/#Sto_znaci_besplatan_racun\" title=\"\u0160to zna\u010di besplatan ra\u010dun?\">\u0160to zna\u010di besplatan ra\u010dun?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/#Kako_zatraziti_besplatan_racun\" title=\"Kako zatra\u017eiti besplatan ra\u010dun\">Kako zatra\u017eiti besplatan ra\u010dun<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/#Sto_nije_ukljuceno_u_besplatan_paket\" title=\"\u0160to nije uklju\u010deno u besplatan paket\">\u0160to nije uklju\u010deno u besplatan paket<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/#Prihodi_banaka_se_smanjuju\" title=\"Prihodi banaka se smanjuju\">Prihodi banaka se smanjuju<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/#Odredbe_za_umirovljenike_i_osjetljive_skupine\" title=\"Odredbe za umirovljenike i osjetljive skupine\">Odredbe za umirovljenike i osjetljive skupine<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/#Sto_gradani_trebaju_napraviti\" title=\"\u0160to gra\u0111ani trebaju napraviti\">\u0160to gra\u0111ani trebaju napraviti<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/zaposlise.hr\/blog\/banke-besplatan-racun\/#Pratite_novosti_s_trzista_rada\" title=\"Pratite novosti s tr\u017ei\u0161ta rada\">Pratite novosti s tr\u017ei\u0161ta rada<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Sto_znaci_besplatan_racun\"><\/span>\u0160to zna\u010di besplatan ra\u010dun?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Novi pravni okvir osigurava da ra\u010dun za redovna primanja s besplatnim paketom usluga uklju\u010duje niz osnovnih bankarskih usluga bez ikakvih naknada.<\/p>\n<div id=\"attachment_20122\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-20122\" class=\"size-full wp-image-20122\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankovna-kartica-racun-Pexels.jpg\" alt=\"Bankovna kartica, ra\u010dun Pexels\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankovna-kartica-racun-Pexels.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankovna-kartica-racun-Pexels-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankovna-kartica-racun-Pexels-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankovna-kartica-racun-Pexels-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankovna-kartica-racun-Pexels-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-20122\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Bankovna kartica, ra\u010dun; Izvor: Pexels<\/span><\/p><\/div>\n<p>Banke ne smiju naplatiti odre\u0111ene stavke. Neke od njih su otvaranje i vo\u0111enje ra\u010duna, zatvaranje ra\u010duna. Zatim,\u00a0polaganje i podizanje gotovine na \u0161alteru ili bankomatu.<\/p>\n<p>Na taj popisu dodaju priljev doma\u0107ih i me\u0111unarodnih pla\u0107anja u eurima. Naravno, i\u00a0izdavanje debitne kartice te pla\u0107anje debitnom karticom na fizi\u010dkim prodajnim mjestima.<\/p>\n<p><em>Pogledajte kako mo\u017ee izgledati <a href=\"https:\/\/zaposlise.hr\/blog\/natjecaj-za-posao-u-prodaji-primjer-molbe-za-posao\/\">natje\u010daj za posao<\/a> u prodaji. Pro\u010ditajte <a href=\"https:\/\/zaposlise.hr\/blog\/natjecaj-za-posao-u-prodaji-primjer-molbe-za-posao\/\">\u010dlanak<\/a>!<\/em><\/p>\n<p>Osim toga, zakon omogu\u0107ava kori\u0161tenje jedne digitalne usluge (internetsko ili mobilno bankarstvo) u okviru besplatnog paketa.<\/p>\n<p>No, banke same odlu\u010duju koju \u0107e od ta dva oblika financijskih usluga uklju\u010diti bez naknade.<\/p>\n<p>Ukratko, korisnik mo\u017ee imati besplatnu aplikaciju za upravljanje ra\u010dunom ili internetsko bankarstvo, ovisno o ponudi banke.<\/p>\n<blockquote><p><span style=\"font-size: 14pt\"><a href=\"https:\/\/dnevnik.hr\/vijesti\/hrvatska\/gradani-s-prvim-radnim-danom-od-banaka-mogu-zatraziti-besplatan-racun---955085.html\" target=\"_blank\" rel=\"noopener\">Ra\u010dun za redovna primanja<\/a> s besplatnim paketom usluga je zakonski definiran i dostupan svima koji ga zatra\u017ee.<\/span><\/p><\/blockquote>\n<div id=\"attachment_20124\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-20124\" class=\"size-full wp-image-20124\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novac-euri-Pexels.jpg\" alt=\"Novac, euri Pexels\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novac-euri-Pexels.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novac-euri-Pexels-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novac-euri-Pexels-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novac-euri-Pexels-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novac-euri-Pexels-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-20124\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Novac, euri; Izvor: Pexels<\/span><\/p><\/div>\n<p>Ipak smo u digitalnom dobu i ova odluka je va\u017ena jer omogu\u0107ava gra\u0111anima jednostavan pristup vlastitim financijama, pla\u0107anje ra\u010duna i upravljanje sredstvima bez dodatnih tro\u0161kova.<\/p>\n<p>Ti navedeni tro\u0161kovi su do sada \u010desto bili standardni u bankarskim paketima.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kako_zatraziti_besplatan_racun\"><\/span>Kako zatra\u017eiti besplatan ra\u010dun<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Iako je zakon stupio na snagu automatski, besplatan ra\u010dun se ne aktivira automatski. Gra\u0111anin mora oti\u0107i do banke i zatra\u017eiti.<\/p>\n<p>Prema informacijama iz najve\u0107ih banaka koje posluju u Hrvatskoj, zahtjev se naj\u010de\u0161\u0107e podnosi osobno u poslovnici banke.<\/p>\n<p>Iz tog razloga potrebno je posjetiti poslovnicu banke u kojoj \u017eelite otvoriti ili prebaciti ra\u010dun i podnijeti zahtjev za aktivaciju besplatnog paketa usluga.<\/p>\n<p>Banke dozvoljavaju prelazak na ovaj novi ra\u010dun bez promjene postoje\u0107eg IBAN-a.<\/p>\n<p>Korisnici koji ve\u0107 imaju ra\u010dun mogu jednostavno zatra\u017eiti novi paket usluga bez dodatnih komplikacija. Tako\u0111er, izrada nove kartice ovisi o internim pravilima banke.<\/p>\n<div id=\"attachment_20126\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-20126\" class=\"size-full wp-image-20126\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Banka-bankari-Pexels.jpg\" alt=\"Banka, bankari Pexels\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Banka-bankari-Pexels.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Banka-bankari-Pexels-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Banka-bankari-Pexels-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Banka-bankari-Pexels-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Banka-bankari-Pexels-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-20126\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Banka, bankari; Izvor: Pexels<\/span><\/p><\/div>\n<p>Ovaj proces osigurava da svatko pojedina\u010dno odabere model koji mu odgovara te razmotri koristi besplatnog paketa u odnosu na \u0161iri komercijalni paket banke.<\/p>\n<p><em>Iz \u010dlanka na linku saznajte \u0161to je <a href=\"https:\/\/zaposlise.hr\/blog\/inkluzivni-dodatak\/\">inkluzivni dodatak<\/a> i kako se mo\u017ee ostvariti!<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sto_nije_ukljuceno_u_besplatan_paket\"><\/span>\u0160to nije uklju\u010deno u besplatan paket<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Va\u017eno je razumjeti da besplatan paket usluga obuhva\u0107a samo osnovne bankarske funkcije.<\/p>\n<p>Paket ne obuhva\u0107a dodatne usluge poput kreditnih kartica, pla\u0107anja na rate, trajnih naloga, izvr\u0161enja pla\u0107anja i drugih pogodnosti koje su uobi\u010dajene u komercijalnim paketima banaka.<\/p>\n<p>Banke \u0107e i dalje nuditi svoje komercijalne pakete koje korisnici mogu posebno ugovoriti ako im je potrebna \u0161ira paleta usluga ili napredne digitalne funkcionalnosti.<\/p>\n<p><em>Danas <a href=\"https:\/\/zaposlise.hr\/blog\/prosjecna-placa-kredit\/\">prosje\u010dna pla\u0107a<\/a> ne pokriva ratu za kredit. Pro\u010ditajte \u010dlanak!<\/em><\/p>\n<p>Drugim rije\u010dima, besplatan ra\u010dun pokriva sve \u0161to je prosje\u010dnom korisniku za temeljno upravljanje osobnim financijama nu\u017eno.<\/p>\n<p>Osnovne potrebe su\u00a0primanje i podizanje sredstava, pla\u0107anje karticom te osnovni pristup internetskom ili mobilnom bankarstvu.<\/p>\n<p>Sve ono \u0161to ide dalje, uklju\u010duju\u0107i kredite, investicije ili specijalizirane proizvode, i dalje ostaje predmet komercijalnih uvjeta i naknada.<\/p>\n<div id=\"attachment_20128\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-20128\" class=\"size-full wp-image-20128\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankomat-Pexels.jpg\" alt=\"Bankomat Pexels\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankomat-Pexels.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankomat-Pexels-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankomat-Pexels-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankomat-Pexels-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Bankomat-Pexels-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-20128\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Bankomat; Izvor: Pexels<\/span><\/p><\/div>\n<blockquote><p><span style=\"font-size: 14pt\">Klijenti ne\u0107e morati mijenjati <a href=\"https:\/\/dnevnik.hr\/vijesti\/hrvatska\/gradani-s-prvim-radnim-danom-od-banaka-mogu-zatraziti-besplatan-racun---955085.html\" target=\"_blank\" rel=\"noopener\">IBAN<\/a>, a izdavanje nove kartice ovisit \u0107e o internim pravilima pojedine banke.<\/span><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Prihodi_banaka_se_smanjuju\"><\/span>Prihodi banaka se smanjuju<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Uvo\u0111enje obaveze besplatnog ra\u010duna ne zna\u010di da banke ostaju bez prihoda, ali sigurno utje\u010de na strukturu njihovih izvora zarade.<\/p>\n<p>Prema podacima iz sektora, banke u Hrvatskoj u 2025. godini ostvarile su zna\u010dajan prihod od provizija i naknada. \u2013Oko 502,3 milijuna eura samo u prvih devet mjeseci.<\/p>\n<p>Ove naknade su, dokazano je, va\u017ean dio njihove poslovne strategije.<\/p>\n<p><a href=\"https:\/\/www.hub.hr\/\" target=\"_blank\" rel=\"noopener\">Hrvatska udruga banaka<\/a> nagla\u0161ava da \u0107e ovaj novi model predstavljati zna\u010dajan i dugoro\u010dni tro\u0161ak za bankarski sektor, jer se smanjuje prihod od naknada koje su korisnici dosad pla\u0107ali za osnovne usluge.<\/p>\n<p>Unato\u010d tome, banke u Hrvatskoj i dalje spadaju me\u0111u one s najni\u017eim naknadama u Europskoj uniji, uz visoku razinu digitalnih usluga i dostupnost brojnih pogodnosti.<\/p>\n<p>Banke su tako\u0111er prilagodile svoj pristup i odabirom koje digitalne usluge uklju\u010duju u besplatni paket, \u0161to im omogu\u0107ava kontrolu tro\u0161kova razvoja i odr\u017eavanja tehnologije.<\/p>\n<div id=\"attachment_19051\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-19051\" class=\"size-full wp-image-19051\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/11\/ERP-sustav.png\" alt=\"ERP sustav\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/11\/ERP-sustav.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/11\/ERP-sustav-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/11\/ERP-sustav-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/11\/ERP-sustav-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/11\/ERP-sustav-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-19051\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">ERP sustav<\/span><\/p><\/div>\n<p><em><a href=\"https:\/\/zaposlise.hr\/blog\/erp-sustav\/\">ERP sustav<\/a> va\u017ean je za kvalitetno i moderno poslovanje. Pro\u010ditajte za\u0161to!<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Odredbe_za_umirovljenike_i_osjetljive_skupine\"><\/span>Odredbe za umirovljenike i osjetljive skupine<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Zakon predvi\u0111a i posebne pogodnosti za odre\u0111ene skupine gra\u0111ana, poput umirovljenika i osjetljivih korisnika. U tim slu\u010dajevima pravo na besplatno podizanje gotovine va\u017ei bez ograni\u010denja.<\/p>\n<p>Bez obzira koristi li korisnik bankomat svoje ili druge banke.<\/p>\n<p>Umirovljenici i druge ranjivije skupine ne moraju pla\u0107ati naknade prilikom podizanja vlastitih sredstava, \u0161to im dodatno olak\u0161ava svakodnevno poslovanje s novcem i smanjuje financijski teret.<\/p>\n<p>Za ostale korisnike, novi model omogu\u0107ava barem dva besplatna podizanja novca mjese\u010dno s bankomata drugih banaka, bez naknade.<\/p>\n<p><em>Kre\u0107e <a href=\"https:\/\/zaposlise.hr\/blog\/rad-umirovljenika-na-4-sata\/\">rad umirovljenika na 4 sata<\/a> dnevno. Saznajte vi\u0161e o temi!<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sto_gradani_trebaju_napraviti\"><\/span>\u0160to gra\u0111ani trebaju napraviti<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ako planirate koristiti ovu novu pogodnost, evo nekoliko prakti\u010dnih koraka koje svakako vrijedi razmotriti:<\/p>\n<ul>\n<li>Posjetite poslovnicu va\u0161e banke i raspitajte se o uvjetima i na\u010dinu aktivacije besplatnog paketa usluga.<\/li>\n<\/ul>\n<div id=\"attachment_20131\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-20131\" class=\"size-full wp-image-20131\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novcanik-kreditne-kartice-Pexels.jpg\" alt=\"Nov\u010danik, kreditne kartice Pexels\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novcanik-kreditne-kartice-Pexels.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novcanik-kreditne-kartice-Pexels-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novcanik-kreditne-kartice-Pexels-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novcanik-kreditne-kartice-Pexels-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/01\/Novcanik-kreditne-kartice-Pexels-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-20131\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Nov\u010danik, kreditne kartice; Izvor: Pexels<\/span><\/p><\/div>\n<ul>\n<li>Ponesite dokumente koji dokazuju redovna primanja (pla\u0107a, mirovina, naknade) jer \u0107e ih banka zatra\u017eiti kao dio zahtjeva.<\/li>\n<li>Razmislite o svojim potrebama. Besplatan paket pokriva osnovne usluge, ali ako \u010desto koristite dodatne bankarske proizvode, provjerite \u0161to je uklju\u010deno i koje su mogu\u0107e naknade.<\/li>\n<\/ul>\n<p>Ako niste zadovoljni ponudom svoje banke, razmislite o promjeni banke i potra\u017eite onu koja nudi najmudrije rje\u0161enje za va\u0161e financijske navike.<\/p>\n<blockquote><p>Kada je rije\u010d o umirovljenicima i potro\u0161a\u010dima koji pripadaju osjetljivim skupinama, oni po novom zakonu u svojoj banci mogu besplatno podizati gotov <a href=\"https:\/\/dnevnik.hr\/vijesti\/hrvatska\/gradani-s-prvim-radnim-danom-od-banaka-mogu-zatraziti-besplatan-racun---955085.html\">novac s ra\u010duna<\/a> i na \u0161alteru i na bankomatu.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Pratite_novosti_s_trzista_rada\"><\/span>Pratite novosti s tr\u017ei\u0161ta rada<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Promjene poput uvo\u0111enja besplatnog bankovnog ra\u010duna jasno pokazuju koliko je va\u017eno biti pravovremeno informiran o pravima, obvezama i novostima koje izravno utje\u010du na radnike i poslodavce.<\/p>\n<p>Tr\u017ei\u0161te rada neprestano se mijenja, a uz zakonske novosti dolaze i nove prilike za zapo\u0161ljavanje, bolji radni uvjeti i jasnija pravila igre.<\/p>\n<p>Zato redovito pratite rubriku <a href=\"https:\/\/zaposlise.hr\/blog\">novosti<\/a> kod nas. Sve na jednom mjestu, prilago\u0111eno stvarnim potrebama dana\u0161njih zaposlenika i onih koji tek tra\u017ee novu poslovnu priliku.<\/p>\n<p><strong>Potra\u017eite <a href=\"http:\/\/zaposlise.hr\/posao\">natje\u010daj za posao<\/a> po vlastitoj mjeri!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banke donose zaokret koji se ti\u010de svih. S prvim radnim danom 2026. godine na snagu je stupio novi Zakon o [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":20120,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[29],"tags":[738,723,462,231,228,197],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banke daju besplatan ra\u010dun za redovna primanja - Zaposlise.hr<\/title>\n<meta name=\"description\" content=\"Banke daju besplatan bankovni ra\u010dun za redovna primanja. Na njega mo\u017ee sjedati pla\u0107a, mirovina, stipendija... 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