{"id":640,"date":"2018-08-06T15:53:38","date_gmt":"2018-08-06T13:53:38","guid":{"rendered":"https:\/\/financer.com\/sk\/?post_type=company_single&#038;p=640"},"modified":"2024-02-22T00:44:34","modified_gmt":"2024-02-21T23:44:34","slug":"mbank","status":"publish","type":"company_single","link":"https:\/\/financer.com\/sk\/spolocnost\/mbank\/","title":{"rendered":"mBank"},"content":{"rendered":"\n<p>mBank je p\u00f4vodom<strong> po\u013esk\u00e1 banka, ktor\u00e1 na Slovensku p\u00f4sob\u00ed od roku 2007. <\/strong>Je zn\u00e1ma predov\u0161etk\u00fdm svoj\u00edm inovat\u00edvnym pr\u00edstupom. Ako prv\u00e1 banka na Slovensku zaviedla internetov\u00e9 bankovn\u00edctvo. <\/p>\n\n\n\n<p>Z\u00e1kazn\u00edk si tak svoj \u00fa\u010det v mBank obsluhuje v\u00fdhradne cez internetov\u00e9 alebo telefonick\u00e9 bankovn\u00edctvo a <strong>mBank pobo\u010dky sl\u00fa\u017eia len ako informa\u010dn\u00e9 centr\u00e1<\/strong> a miesta na dojednanie <a href=\"https:\/\/financer.com\/sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>Tento model im umo\u017enil <strong data-rich-text-format-boundary=\"true\">poskytn\u00fa\u0165 najbe\u017enej\u0161ie bankov\u00e9 slu\u017eby \u00faplne zadarmo. <\/strong>Sp\u00f4sobila na slovenskom trhu skuto\u010dn\u00fa revol\u00faciu a s viac ako 250 000 klientmi sa zaradila medzi najv\u00e4\u010d\u0161ie banky na na\u0161om \u00fazem\u00ed.<\/div>\n\n\n<p><strong>Portf\u00f3lio spolo\u010dnosti mBank je na slovensk\u00e9 pomery \u0161irok\u00e9<\/strong>. Ich klienti si m\u00f4\u017eu vybra\u0165 od <a href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/pozicka\/\">p\u00f4\u017ei\u010diek<\/a>, <a href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/sporenie\/\">sporenia<\/a>, poistenia a\u017e po pravideln\u00e9 investovanie. Budeme radi, ke\u010f si pre\u010d\u00edtate tento \u010dl\u00e1nok, ako mBank recenzie a sk\u00fasenosti na\u0161ich n\u00e1v\u0161tevn\u00edkov.<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah \u010dl\u00e1nku\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"O_spolonosti\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/#O_spolonosti\">\n\t\t\t\t\t\t\tO spolo\u010dnosti\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Internet_banking\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/#Internet_banking\">\n\t\t\t\t\t\t\tInternet banking\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"mBank_ben_et\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/#mBank_ben_et\">\n\t\t\t\t\t\t\tmBank be\u017en\u00fd \u00fa\u010det\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"mBank_pika\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">4.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/#mBank_pika\">\n\t\t\t\t\t\t\tmBank p\u00f4\u017ei\u010dka\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"mBank_hypotka\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">5.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/#mBank_hypotka\">\n\t\t\t\t\t\t\tmBank hypot\u00e9ka\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"mBank_kreditn_karty\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">6.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/#mBank_kreditn_karty\">\n\t\t\t\t\t\t\tmBank kreditn\u00e9 karty\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Vhody_a_nevhody_mBank\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">7.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/spolocnost\/mbank\/#Vhody_a_nevhody_mBank\">\n\t\t\t\t\t\t\tV\u00fdhody a nev\u00fdhody mBank\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"O_spolonosti\">O spolo\u010dnosti<\/h2>\n\n\n\n<p>Ako sme sme u\u017e spomenuli, spolo\u010dnos\u0165 <strong>mBank<\/strong> vst\u00fapila na slovensk\u00fd trh v roku 2007 a hne\u010f si prip\u00edsala prvenstvo. D\u0148a 25. novembra 2007 ako prv\u00e1 banka priniesla celkom nov\u00fd model \u2013 ka\u017edodenn\u00fa online spr\u00e1vu bankov\u00fdch slu\u017eieb cez internet alebo telef\u00f3n, dnes zn\u00e1mu takmer u ka\u017edej banky pod n\u00e1zvom <strong>Internet banking.\u00a0<\/strong><\/p>\n\n\n\n<p>To spolo\u010dnosti mBank umo\u017enilo <strong>pon\u00faknu\u0165 z\u00e1kazn\u00edkom najvyu\u017e\u00edvanej\u0161ie bankov\u00e9 slu\u017eby celkom zadarmo. <\/strong>mBank tak sp\u00f4sobila v bankovom sektore skuto\u010dn\u00fa revol\u00faciu.<\/p>\n\n\n\n<p>Mus\u00edme kon\u0161tatova\u0165, \u017ee tento revolu\u010dn\u00fd model sa osved\u010dil a v s\u00fa\u010dasnosti sa mBank s <strong>viac ne\u017e 250 000 z\u00e1kazn\u00edkmi<\/strong> rad\u00ed medzi \u00faspe\u0161n\u00fdch hr\u00e1\u010dov na na\u0161om trhu. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><strong>Navy\u0161e, nov\u00e1 platforma slu\u017eby mBank Internet banking<\/strong> uveden\u00e1 za\u010diatkom roka 2014 dok\u00e1zala, \u017ee spolo\u010dnos\u0165 mBank pre klienta neprin\u00e1\u0161a iba \u0161irok\u00e9 spektrum finan\u010dn\u00fdch produktov, ale pom\u00e1ha mu aj zvy\u0161ova\u0165 a udr\u017eiava\u0165 si schopnos\u0165 spravova\u0165 svoje vlastn\u00e9 financie.<\/div>\n\n\n<p>Spolo\u010dnos\u0165 mBank<strong> <\/strong>b\u00fdva z\u00e1kazn\u00edkmi ozna\u010dovan\u00e1 ako\u00a0<strong>mobiln\u00e1, jednoduch\u00e1 a praktick\u00e1,<\/strong> pri\u010dom si v\u017edy sna\u017e\u00ed zachova\u0165 maxim\u00e1lnu cenov\u00fa v\u00fdhodnos\u0165 a skuto\u010dnos\u0165, \u017ee stoj\u00ed na strane z\u00e1kazn\u00edkov.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"mmobiln\">m=mobiln\u00e1<\/h3><div><strong>Prv\u00e9 p\u00edsmeno v n\u00e1zve tejto banky odkazuje na fakt, \u017ee banka je mobiln\u00e1.<\/strong> Ako jedna z nesk\u00f4r vzniknut\u00fdch bankov\u00fdch domov na slovenskom trhu, vs\u00e1dza mBank na bud\u00facnos\u0165, nie na minulos\u0165. Pre klientov to znamen\u00e1, \u017ee sa m\u00f4\u017eu oprie\u0165 o modern\u00e9 technol\u00f3gie pri vyu\u017e\u00edvan\u00ed slu\u017eieb tejto banky.<\/div>\n<div>\u00a0<\/div>\n<div><strong>Na v\u00fdber maj\u00fa z internetov\u00e9ho bankovn\u00edctva, email, alebo SMS push<\/strong> (ozn\u00e1menie o pohybe na \u00fa\u010dte pomocou sms alebo informa\u010dn\u00e9ho emailu). Banka tie\u017e pon\u00faka vkladov\u00e9 bankomaty, alebo centrum \u017eiadost\u00ed.<\/div>\n<div>\u00a0<\/div>\n<div>Najnov\u0161ie je mo\u017en\u00e9 v centre \u017eiadost\u00ed <strong>zad\u00e1va\u0165 \u017eiadosti nielen cez mLinku alebo na obchodn\u00fdch miestach,<\/strong> ale tie\u017e jednoducho v internetovom bankovn\u00edctve v sekcii Supermarket &#8211; Slu\u017eby. Po\u017eiada\u0165 m\u00f4\u017eete o zmenu parametrov \u00faverov\u00fdch i kartov\u00fdch produktov, rovnako aj pri be\u017en\u00fdch \u00fa\u010dtoch.<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Internet_banking\">Internet banking<\/h2>\n\n\n\n<p><strong>Prihl\u00e1senie do mBank internet bankingu je pomerne jednoduch\u00e9.<\/strong> V\u00fdnimkou je prv\u00e9 prihl\u00e1senie do v\u00e1\u0161ho konta, kedy absolvujete nieko\u013ekostup\u0148ov\u00fa proced\u00faru overovania toto\u017enosti klienta. T\u00e1 sa uskuto\u010d\u0148uje prostredn\u00edctvom zad\u00e1vania do\u010dasn\u00e9ho identifik\u00e1tora a\u00a0hesla po\u010das telefon\u00e1tu do call centra mLinka.<\/p>\n\n\n\n<p><strong>Overovanie pokra\u010duje odpovedan\u00edm na ot\u00e1zky, na ktor\u00e9 ste odpovedali pri zakladan\u00ed \u00fa\u010dtu.\u00a0<\/strong>Posledn\u00fdm krokom je telefon\u00e1t od mBank, ktor\u00e1 zavol\u00e1 na telef\u00f3nne \u010d\u00edslo, ktor\u00e9 ste uv\u00e1dzali v\u00a0\u017eiadosti o\u00a0\u00fa\u010det.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>\u010eal\u0161ie prihl\u00e1senia s\u00fa v\u0161ak ove\u013ea jednoduch\u0161ie. <strong>Sta\u010d\u00ed v\u00e1m zada\u0165 v\u00e1\u0161 identifik\u00e1tor, <\/strong>ktor\u00fdm m\u00f4\u017ee by\u0165 nielen k\u00f3d, ktor\u00fd dostanete pri otvoren\u00ed \u00fa\u010dtu.\nNov\u00e1 verzia internet bankingu pon\u00faka mo\u017enos\u0165 nastavi\u0165 si ako identifik\u00e1tor 16-miestne \u010d\u00edslo va\u0161ej akt\u00edvnej karty, alebo dokonca vlastn\u00e9, osemmiestne u\u017e\u00edvate\u013esk\u00e9 meno.<\/div>\n\n\n<p>Po prihl\u00e1sen\u00ed sa do internet bankingu u\u017e v\u00e1s ne\u010dak\u00e1 zad\u00e1vanie \u010fal\u0161\u00edch \u0161peci\u00e1lnych hesiel. <strong>Ka\u017ed\u00e1 va\u0161a transakcia je v\u0161ak chr\u00e1nen\u00e1 jednorazov\u00fdm SMS k\u00f3dom, <\/strong>ktor\u00fdm potvrd\u00edte jej uskuto\u010dnenie.<\/p>\n\n\n\n<p><strong>Mobiln\u00e1 aplik\u00e1cia je preh\u013eadn\u00e1 a\u00a0disponuje r\u00f4znymi funkcionalitami.<\/strong>\u00a0Ka\u017ed\u00e9 prihl\u00e1senie aj transakcia vy\u017eaduje okrem tv\u00e1rovej biometrie \u010di odtla\u010dku prsta aj zadanie PIN k\u00f3du pre zv\u00fd\u0161en\u00fa bezpe\u010dnos\u0165.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>V\u00a0pr\u00edpade odcudzenia mobiln\u00e9ho telef\u00f3nu <strong data-rich-text-format-boundary=\"true\">m\u00f4\u017eete aplik\u00e1ciu deaktivova\u0165 na dia\u013eku cez internet banking. <\/strong>Deaktiv\u00e1cia nastane aj v\u00a0pr\u00edpade, \u017ee trikr\u00e1t za sebou zad\u00e1te nespr\u00e1vny PIN k\u00f3d.\nAplik\u00e1cia je pomerne \u010dasto aktualizovan\u00e1, \u010do je v\u00fdhodou a\u00a0z\u00e1rove\u0148 aj nev\u00fdhodou v\u00a0z\u00e1vislosti od zdatnosti pou\u017e\u00edvate\u013eov.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"mBank_ben_et\">mBank be\u017en\u00fd \u00fa\u010det<\/h2>\n\n\n\n<p>Be\u017en\u00fd \u00fa\u010det od mBank m\u00e1 n\u00e1zov<strong> mKonto a je ob\u013e\u00fabenou vo\u013ebou mnoh\u00fdch z\u00e1kazn\u00edkov, <\/strong>najm\u00e4 z toho d\u00f4vodu, \u017ee v\u00e4\u010d\u0161ina slu\u017eieb je k nemu <strong>zadarmo.<\/strong> Bezplatn\u00e9 s\u00fa aj v\u00fdbery z bankomatov v SR, ako aj v zahrani\u010d\u00ed. Podmienkou je vybra\u0165 si aspo\u0148 70 eur, pr\u00edpadne ekvivalent v cudzej mene. <\/p>\n\n\n\n<p>Zadarmo je taktie\u017e:<\/p>\n\n\n\n<ul>\n<li>Zalo\u017eenie a vedenie \u00fa\u010dtu<\/li>\n\n\n\n<li>Prich\u00e1dzaj\u00face a odch\u00e1dzaj\u00face platby<\/li>\n\n\n\n<li>Vydanie alebo obnovenie karty pre majite\u013ea<\/li>\n\n\n\n<li>Vedenie karty pre majite\u013ea<\/li>\n\n\n\n<li>Zadanie, zmena, zru\u0161enie a realiz\u00e1cia trval\u00e9ho pr\u00edkazu alebo inkasa<\/li>\n<\/ul>\n\n\n\n<p>Be\u017en\u00fd \u00fa\u010det mKonto od mBank si <strong>m\u00f4\u017eete zalo\u017ei\u0165 jednoducho<\/strong> na pobo\u010dke alebo z pohodlia v\u00e1\u0161ho domova online.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mBank_sporenie_\">mBank sporenie <\/h2>\n\n\n\n<p>V r\u00e1mci slu\u017eieb tejto banky m\u00f4\u017eete vyu\u017ei\u0165 tri druhy mBank sporenia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mSporenie\">mSporenie<\/h3>\n\n\n\n<p>Tento typ <strong>pon\u00faka na v\u00fdber z r\u00f4znych mo\u017enost\u00ed, ako spori\u0165.<\/strong> V\u00e4\u010d\u0161ina met\u00f3d vych\u00e1dza z predpokladu, \u017ee strhnutie drobn\u00fdch \u010diastok si be\u017ene ani nev\u0161imnete, ale nakonci budete milo prekvapen\u00ed nasporenou sumou.<\/p>\n\n\n\n<ul>\n<li><strong>Zaokr\u00fahlite ka\u017ed\u00fa transakciu. <\/strong>K cie\u013eu sa pripo\u010d\u00edta rozdiel medzi platenou \u010diastkou a \u010diastkou zaokr\u00fahlenou nahor.<\/li>\n\n\n\n<li><strong>Stanovte si pevn\u00fa \u010diastku. <\/strong>Sporenie rovnakej \u010diastky v rozmedz\u00ed od 50 centov a\u017e 2 eur\u00e1, ktor\u00e1 sa na cie\u013e pripo\u010d\u00edta pri ka\u017edej platbe z mKonta.<\/li>\n\n\n\n<li><strong>Percent\u00e1 z ka\u017edej transakcie. <\/strong>Z ka\u017edej platobnej transakcie sa na cie\u013e odvedie \u010diastka v rozsahu od 1 % do 10 % z v\u00fd\u0161ky transakcie.<\/li>\n\n\n\n<li><strong>Nastavte si trval\u00fd pr\u00edkaz.<\/strong> Raz mesa\u010dne sa v\u00e1m na cie\u013e automaticky prevedie vami ur\u010den\u00e1 \u010diastka.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"eMax_Plus\">eMax Plus<\/h3>\n\n\n\n<p><strong>Tento sporiaci \u00fa\u010det cieli na tradi\u010dnej\u0161ie zm\u00fd\u0161\u013eaj\u00facich klientov, <\/strong>kedy jeho podstata vych\u00e1dza z tradi\u010dn\u00e9ho po\u0148atia <a href=\"https:\/\/financer.com\/sk\/sporenie\/sporiaci-ucet\/\">sporiaceho \u00fa\u010dtu.<\/a><\/p>\n\n\n\n<ul>\n<li>Mo\u017enos\u0165 ma\u0165 a\u017e 4 sporiace \u00fa\u010dty<\/li>\n\n\n\n<li>Zalo\u017eenie, vedenia a zru\u0161enie sporiaceho \u00fa\u010dtu zadarmo<\/li>\n\n\n\n<li>Bez viazanosti a podmienky minim\u00e1lneho zostatku na \u00fa\u010dte<\/li>\n\n\n\n<li>\u00darok 0,01 % p.a.<\/li>\n\n\n\n<li>Jedna odch\u00e1dzaj\u00faca platba mesa\u010dne zadarmo<\/li>\n\n\n\n<li>Okam\u017eit\u00e1 realiz\u00e1cia platieb medzi \u00fa\u010dtami v mBank<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Termnovan_vklad\">Term\u00ednovan\u00fd vklad<\/h3>\n\n\n\n<p><strong>\u010eal\u0161\u00edm typom sporenia u mBank je term\u00ednovan\u00fd vklad. <\/strong>Nemus\u00edte kv\u00f4li nemu nikam chodi\u0165, m\u00f4\u017eete si ho zriadi\u0165 jednoducho vo svojom internetovom bankovn\u00edctve.<\/p>\n\n\n\n<p>Tento typ mBank sporiaceho \u00fa\u010dtu je pre v\u00e1s vhodn\u00fd v pr\u00edpade, \u017ee <strong>\u010diastku, ktor\u00fa vlo\u017e\u00edte, nebudete ur\u010dit\u00fa dobu potrebova\u0165. <\/strong>M\u00f4\u017eete tak zarobi\u0165 relat\u00edvne dos\u0165 pe\u0148az\u00ed na \u00farokoch. <\/p>\n\n\n\n<ul>\n<li>Zalo\u017eenie, vedenie a obsluha term\u00ednovan\u00e9ho vkladu je zadarmo<\/li>\n\n\n\n<li>M\u00f4\u017eete si otvori\u0165 neobmedzen\u00fd po\u010det vkladov<\/li>\n\n\n\n<li>Minim\u00e1lny vklad u\u017e od 200 eur<\/li>\n\n\n\n<li>Viazanos\u0165 vkladu 3, 6, 9 a\u017e 12 mesiacov<\/li>\n\n\n\n<li>Vklad je chr\u00e1nen\u00fd na z\u00e1klade z\u00e1kona o ochrane vkladov<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mBank_pika\">mBank p\u00f4\u017ei\u010dka<\/h2>\n\n\n\n<p><strong>mBank m\u00e1 svojom portf\u00f3liu aj zauj\u00edmav\u00e9 \u00faverov\u00e9 produkty. <\/strong>Prv\u00e9, ktor\u00e9 spomenieme bud\u00fa p\u00f4\u017ei\u010dky. V mBank si m\u00f4\u017eete vybra\u0165 p\u00f4\u017ei\u010dku s \u00farokom od 5,89 % alebo refinancovanie p\u00f4\u017ei\u010diek. Podmienky t\u00fdchto p\u00f4\u017ei\u010diek s\u00fa naozaj ve\u013emi v\u00fdhodn\u00e9 a navy\u0161e aj transparentn\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mBank_pika_s_rokom_od_589_\">mBank p\u00f4\u017ei\u010dka s \u00farokom od 5,89 %<\/h3>\n\n\n\n<p>V pr\u00edpade, \u017ee ste si v mBank u\u017e po\u017ei\u010dali alebo po\u017ei\u010diavate opakovane, \u010fal\u0161iu mBank p\u00f4\u017ei\u010dku obdr\u017e\u00edte za nasleduj\u00facich podmienok:<\/p>\n\n\n\n<ul>\n<li>V\u00fd\u0161ka \u00faveru od 350 do 40 000 eur<\/li>\n\n\n\n<li>\u00darok: od 5,89 %<\/li>\n\n\n\n<li>Bez poplatkov za uzavretie, vedenie, ale aj pred\u010dasn\u00e9 splatenie<\/li>\n\n\n\n<li>O p\u00f4\u017ei\u010dku po\u017eiadate jednoducho online<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mBank_refinancovanie_\">mBank refinancovanie <\/h3>\n\n\n\n<p>mBank pon\u00faka aj mo\u017enos\u0165 <a href=\"https:\/\/financer.com\/sk\/pozicky\/refinancovanie-uveru\/\">refinancovania<\/a> existuj\u00facich p\u00f4\u017ei\u010diek. <strong>M\u00f4\u017eete tak z\u00edska\u0165 peniaze naviac alebo ni\u017e\u0161ie mesa\u010dn\u00e9 spl\u00e1tky. <\/strong>Vo v\u0161eobecnosti v\u00e1m zn\u00ed\u017eia \u00farokov\u00fa sadzbu pren\u00e1\u0161anej p\u00f4\u017ei\u010dky o 2 %. Najni\u017eia mo\u017en\u00e1 \u00farokov\u00e1 sadzba je 4,9 % a najvy\u0161\u0161ia 15,9 %.<\/p>\n\n\n\n<ul>\n<li>V\u00fd\u0161ka \u00faveru: od 350 do 40 000 eur<\/li>\n\n\n\n<li>Doba splatnosti: 12 a\u017e 96 mesiacov<\/li>\n\n\n\n<li>\u00darokov\u00e1 sadzba: od 4,9 %<\/li>\n\n\n\n<li>Prenies\u0165 si m\u00f4\u017eete 1 a\u017e 10 r\u00f4znych \u00faverov<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mBank_hypotka\">mBank hypot\u00e9ka<\/h2>\n\n\n\n<p><strong>V mBank m\u00e1te mo\u017enos\u0165 vybra\u0165 si z viacer\u00fdch druhov hypot\u00e9k,<\/strong> je u\u017e na v\u00e1s \u010di m\u00e1te z\u00e1ujem o hypot\u00e9ku na k\u00fapu nehnute\u013enosti, refinancovanie hypot\u00e9ky, bez\u00fa\u010delov\u00fa hypot\u00e9ku, hypot\u00e9ku na k\u00fapu pozemku alebo konsolid\u00e1ciu. <\/p>\n\n\n\n<p>Klasick\u00e1 <a href=\"https:\/\/financer.com\/sk\/pozicky\/hypoteka\/\">hypot\u00e9ka<\/a> na k\u00fapu nehnute\u013enosti v mBank m\u00e1 n\u00e1zov mHypot\u00e9ka. <strong>Po\u017eiada\u0165 o \u0148u m\u00f4\u017eete na ktorejko\u013evek pobo\u010dke mBank. <\/strong>Sta\u010d\u00ed si so sebou prinies\u0165 ob\u010diansky preukaz. <\/p>\n\n\n\n<ul>\n<li>V\u00fd\u0161ka \u00faveru: od 7 000 &#8211; 500 000 eur (resp. 90 % hodnoty zad\u013a\u017eenej nehnute\u013enosti)<\/li>\n\n\n\n<li>Splatnos\u0165: od 12 mesiacov do 40 rokov<\/li>\n\n\n\n<li>Garancia \u00farokovej sadzby: 30 dn\u00ed<\/li>\n\n\n\n<li>Mimoriadne spl\u00e1tky a\u017e do 30 % istiny \u00faveru zdarma<\/li>\n\n\n\n<li>\u017diadne skryt\u00e9 poplatky <\/li>\n\n\n\n<li>V\u0161etko preh\u013eadne v mobilnej aplik\u00e1ci\u00ed alebo internet bankingu<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Reprezentatvny_prklad_\">Reprezentat\u00edvny pr\u00edklad <\/h3><em><strong>Reprezentat\u00edvny pr\u00edklad \u00faveru mHypot\u00e9ka vo v\u00fd\u0161ke 30\u00a0000\u00a0EUR:<\/strong> po\u010det mesa\u010dn\u00fdch spl\u00e1tok 480, fixn\u00e1 5 ro\u010dn\u00e1 \u00farokov\u00e1 sadzba 5,09 % p.a., RPMN 5,49 %, mesa\u010dn\u00e1 spl\u00e1tka 146,45 EUR, celkov\u00e1 \u010diastka zaplaten\u00e1 spotrebite\u013eom 72 512,84 EUR (za predpokladu, \u017ee \u00farokov\u00e1 sadzba sa nezmen\u00ed po\u010das celej doby splatnosti \u00faveru). \u00darokov\u00e1 sadzba plat\u00ed po\u010das doby fix\u00e1cie za predpokladu, \u017ee klient m\u00e1 otvoren\u00fd \u00fa\u010det mKonto. Klient plat\u00ed poplatok za vedenie \u00faverov\u00e9ho \u00fa\u010dtu vo v\u00fd\u0161ke 0 EUR, poplatok za poskytnutie \u00faveru 0 EUR, jednorazov\u00fd poplatok za vklad do katastra nehnute\u013enost\u00ed 66 EUR.<br><\/em><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"mBank_kreditn_karty\">mBank kreditn\u00e9 karty<\/h2>\n\n\n\n<p>Rovnako pon\u00faka mBank aj tri varianty kreditn\u00fdch kariet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mKreditka\">mKreditka<\/h3>\n\n\n\n<ul>\n<li>\u00daverov\u00fd limit: 6 500 eur<\/li>\n\n\n\n<li>\u00darok: 21,99 %<\/li>\n\n\n\n<li>Bez\u00faro\u010dn\u00e9 obdobie: a\u017e 54 dn\u00ed<\/li>\n\n\n\n<li>Poplatok za vedenie karty: 1,5 eur mesa\u010dne <\/li>\n\n\n\n<li>Vedenie karty prv\u00e9 tri mesiace zadarmo<\/li>\n\n\n\n<li>Bez poplatkov za v\u00fdbery z bankomatov pri v\u00fdbere 70 eur a viac aj v zahrani\u010d\u00ed<\/li>\n\n\n\n<li>Benefity vernostn\u00e9ho programu M\u00f4j Mastercard<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mKreditka_Plus\">mKreditka Plus<\/h3>\n\n\n\n<ul>\n<li>\u00daverov\u00fd limit: 16 500 eur<\/li>\n\n\n\n<li>\u00darok: 21,99 %<\/li>\n\n\n\n<li>Bez\u00faro\u010dn\u00e9 obdobie: a\u017e 54 dn\u00ed<\/li>\n\n\n\n<li>Poplatok za vedenie karty: 3 eur\u00e1 mesa\u010dne<\/li>\n\n\n\n<li>Vedenie karty prv\u00e9 tri mesiace zadarmo<\/li>\n\n\n\n<li>Benefity vernostn\u00e9ho programu M\u00f4j Mastercard<\/li>\n\n\n\n<li>Poistenie n\u00e1kupu, poistenie asisten\u010dn\u00fdch slu\u017eieb pre dom\u00e1cnos\u0165 vr\u00e1tane pr\u00e1vnej asistencie<\/li>\n\n\n\n<li>1 % z\u00a0ka\u017edej transakcie na internete na mSporenie<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mKreditka_e_Shop\">mKreditka e-Shop<\/h3>\n\n\n\n<ul>\n<li>\u00daverov\u00fd limit: 6 500 eur<\/li>\n\n\n\n<li>\u00darok: 21,99 %<\/li>\n\n\n\n<li>Bez\u00faro\u010dn\u00e9 obdobie: a\u017e 54 dn\u00ed<\/li>\n\n\n\n<li>Poplatok za vedenie karty: 2 eur\u00e1 mesa\u010dne<\/li>\n\n\n\n<li>Vedenie karty prv\u00e9 tri mesiace zadarmo<\/li>\n\n\n\n<li>Benefity vernostn\u00e9ho programu M\u00f4j Mastercard<\/li>\n\n\n\n<li>Poistenie zneu\u017eitia karty<\/li>\n\n\n\n<li>1 % z\u00a0ka\u017edej transakcie na internete na mSporenie<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody_mBank\">V\u00fdhody a nev\u00fdhody mBank<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\">\u00a0<\/h3>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Mo\u017enos\u0165 \u010derpa\u0165 prv\u00fa bez\u00faro\u010dn\u00fa p\u00f4\u017ei\u010dku<\/li>\n\n\n\n<li>Intuit\u00edvne internetov\u00e9 bankovn\u00edctvo<\/li>\n\n\n\n<li>Be\u017en\u00fd \u00fa\u010det v mBank bez poplatkov<\/li>\n\n\n\n<li>Spotrebn\u00fd \u00faver a\u017e do v\u00fd\u0161ky 40 000 EUR<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Vysok\u00e9 poplatky, ak me\u0161k\u00e1te so spl\u00e1tkami<\/p>\n<\/li><li>\n<p>\u00dazka sie\u0165 kamenn\u00fdch pobo\u010diek<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Pre\u010do pr\u00e1ve mBank?<\/h4><div class=\"faq_inner\">mBank je zn\u00e1me predov\u0161etk\u00fdm svoj\u00edm inovat\u00edvnym pr\u00edstupom. Zauj\u00edmavos\u0165ou je, \u017ee ako prv\u00e1 banka na Slovensku zaviedla internetov\u00e9 bankovn\u00edctvo. To im umo\u017enilo poskytn\u00fa\u0165 najbe\u017enej\u0161ie bankov\u00e9 slu\u017eby \u00faplne zadarmo. Ich portf\u00f3lio je na slovensk\u00e9 pomery relat\u00edvne \u0161irok\u00e9. Vybra\u0165 si m\u00f4\u017eete od p\u00f4\u017ei\u010diek, hypot\u00e9k, sporenia, a\u017e po poistenie. mBank dokonca pon\u00faka aj mo\u017enos\u0165 pravideln\u00e9ho investovania.<\/div><h4>\u010co znamen\u00e1 &#8222;m&#8220; v n\u00e1zve?<\/h4><div class=\"faq_inner\">P\u00edsmenko m v n\u00e1zve spolo\u010dnosti znamen\u00e1 &#8222;mobiln\u00e1&#8220;. mBank vs\u00e1dza na bud\u00facnos\u0165, nie minulos\u0165. Klienti sa tak m\u00f4\u017eu oprie\u0165 o modern\u00e9 technol\u00f3gie, vyu\u017e\u00edvanie internetov\u00e9ho bankovn\u00edctva, mobilnej aplik\u00e1cie, SMS push a mnoh\u00e9 \u010fal\u0161ie vychyt\u00e1vky.<\/div><h4>Berie mBank do \u00favahy \u00faverov\u00fd register?<\/h4><div class=\"faq_inner\">\u00c1no, berie. Pod\u013ea z\u00e1kona o poskytovan\u00ed spotrebn\u00fdch \u00faverov mus\u00ed ka\u017ed\u00fd poskytovate\u013e nahliada\u0165 do \u00faverov\u00e9ho registra. Ak chcete uspie\u0165 so \u017eiados\u0165ou o p\u00f4\u017ei\u010dku, nemali by ste v \u0148om ma\u0165 \u017eiadne negat\u00edvne z\u00e1znamy, lebo tie b\u00fdvaj\u00fa hodnoten\u00e9 ve\u013emi pr\u00edsne.\nPokia\u013e sa chcete dozvedie\u0165, ako \u010do najefekt\u00edvnej\u0161ie a najr\u00fdchlej\u0161ie vy\u010disti\u0165 svoj \u00faverov\u00fd register, pre\u010d\u00edtajte si\u00a0<a href=\"https:\/\/financer.com\/sk\/osobne-financie\/uverovy-register\/\">\n\u00e1\u0161 \u010dl\u00e1nok<\/a>.<\/div><h4>\u010co robi\u0165, ak m\u00e1m \u0165a\u017ekosti so spl\u00e1can\u00edm \u00faveru?<\/h4><div class=\"faq_inner\">Ak viete, \u017ee nedok\u00e1\u017eete svoje finan\u010dn\u00e9 z\u00e1v\u00e4zky riadne splni\u0165, mBank pon\u00faka dve praktick\u00e9 mo\u017enosti. Jednak m\u00f4\u017eete po\u017eiada\u0165 o pred\u013a\u017eenie splatnosti \u00faveru, alebo o odklad spl\u00e1tok a\u017e na 12 mesiacov.<\/div><h4>M\u00f4\u017eem si po\u010das spl\u00e1cania p\u00f4\u017ei\u010dky zmeni\u0165 d\u00e1tum splatnosti?<\/h4><div class=\"faq_inner\">\u00c1no. M\u00f4\u017eete tak urobi\u0165 ako pri spotrebnom \u00favere, tak aj pri \u010derpan\u00ed hypot\u00e9ky. Ak v\u00e1m s\u00fa\u010dasn\u00fd d\u00e1tum splatnosti nevyhovuje a sp\u00f4sobuje v\u00e1m finan\u010dn\u00e9 \u0165a\u017ekosti, obr\u00e1\u0165te sa na mBank a prostredn\u00edctvom formul\u00e1ra po\u017eiadajte o zmenu d\u00e1tumu splatnosti p\u00f4\u017ei\u010dky. T\u00e1to slu\u017eba nie je spoplatnen\u00e1 \u017eiadnymi dodato\u010dn\u00fdmi poplatkami.<\/div><\/div>","protected":false},"author":87,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","company_type":[1097,6],"overall_rating":"3.60576923","_links":{"self":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/640"}],"collection":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/comments?post=640"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/640\/revisions"}],"predecessor-version":[{"id":45676,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_single\/640\/revisions\/45676"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media?parent=640"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/company_type?post=640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}