{"id":3006,"date":"2026-08-17T10:00:00","date_gmt":"2026-08-17T09:00:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=3006"},"modified":"2026-08-10T08:27:45","modified_gmt":"2026-08-10T07:27:45","slug":"dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\/","title":{"rendered":"Dovolen\u00e1 bez finan\u010dn\u00ed kocoviny: Jak neprod\u011blat na poplatc\u00edch"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Idyla u mo\u0159e s drinkem v ruce se po n\u00e1vratu m\u016f\u017ee rychle prom\u011bnit v no\u010dn\u00ed m\u016fru. <\/strong>Sta\u010d\u00ed otev\u0159\u00edt bankovnictv\u00ed a sledovat \u0161kody. Skryt\u00e9 poplatky, \u0161patn\u00e9 kurzy a nev\u00fdhodn\u00e9 v\u00fdb\u011bry z bankomat\u016f v\u00e1s dok\u00e1\u017eou p\u0159ipravit o tis\u00edce korun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nenech\u00e1vejte pen\u00edze v kaps\u00e1ch zahrani\u010dn\u00edch bank. P\u0159ipravili jsme pro v\u00e1s p\u0159ehledn\u00fd <strong>n\u00e1vod, jak spr\u00e1vn\u011b nastavit \u00fa\u010dty a vyhnout se drah\u00fdm chyb\u00e1m v EU i ve sv\u011bt\u011b.<\/strong><\/p>\n\n\n\n<div style=\"height:11px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Obsah<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-past-jm-nem-dcc\">Past jm\u00e9nem DCC<\/a><\/li><li class=\"\"><a href=\"#htoc-hotovost-vs-karta-v-n-dilema-cestovatel\">Hotovost vs. karta: V\u011b\u010dn\u00e9 dilema cestovatel\u016f<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-tradi-n-esk-banka-vs-fintech-revolut-wise\">Tradi\u010dn\u00ed \u010desk\u00e1 banka vs. Fintech (Revolut, Wise)<\/a><\/li><li class=\"\"><a href=\"#htoc-co-zkontrolovat-v-mobiln-m-bankovnictv-p-ed-odjezdem\">Co zkontrolovat v mobiln\u00edm bankovnictv\u00ed p\u0159ed odjezdem?<\/a><\/li><li class=\"\"><a href=\"#htoc-pozor-na-poplatky-samotn-ch-bankomat\">Pozor na poplatky samotn\u00fdch bankomat\u016f<\/a><\/li><li class=\"\"><a href=\"#htoc-asto-kladen-dotazy-faq\">\ud83d\udca1 \u010casto kladen\u00e9 dotazy (FAQ)<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-past-jm-nem-dcc\" class=\"wp-block-heading\">Past jm\u00e9nem DCC<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud si z tohoto \u010dl\u00e1nku m\u00e1te odn\u00e9st jedinou v\u011bc, pak je to zkratka <strong>DCC \u2013 Dynamic Currency Conversion<\/strong> (Dynamick\u00e1 konverze m\u011bny). Potk\u00e1te ji na termin\u00e1lech v obchodech i u zahrani\u010dn\u00edch bankomat\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankomat i termin\u00e1l poznaly, \u017ee m\u00e1te \u010deskou kartu, a nab\u00edz\u00ed v\u00e1m za\u00fa\u010dtov\u00e1n\u00ed p\u0159\u00edmo v CZK. Jen\u017ee v tom je ten hlavn\u00ed h\u00e1\u010dek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcca <strong>P\u0159edstavte si to na p\u0159\u00edkladu:<\/strong> Kupujete si v It\u00e1lii pizzu. M\u00edsto abyste zaplatili p\u0159\u00edmo v eurech, p\u0159izvete si soukrom\u00e9ho tlumo\u010dn\u00edka. Ten v\u00e1m cenu p\u0159epo\u010d\u00edt\u00e1 podle sv\u00e9ho velmi nev\u00fdhodn\u00e9ho kurzu a je\u0161t\u011b si p\u0159isad\u00ed tu\u010dnou provizi. V\u00fdsledek? <strong>Za \u00fapln\u011b stejnou pizzu zaplat\u00edte o 10 a\u017e 15 % v\u00edce.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Co d\u011blat u termin\u00e1lu a bankomatu:<\/strong> Kdykoliv v\u00e1m p\u0159\u00edstroj nab\u00eddne v\u00fdb\u011br mezi m\u00edstn\u00ed m\u011bnou (EUR, USD apod.) a korunami (CZK), <strong>v\u017edy zvolte m\u00edstn\u00ed m\u011bnu bez konverze<\/strong> (<em>\u201eWithout Conversion\u201c<\/em> \/ <em>\u201eLocal Currency\u201c<\/em>). P\u0159epo\u010det pak provede va\u0161e banka s podstatn\u011b v\u00fdhodn\u011bj\u0161\u00edm kurzem.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-hotovost-vs-karta-v-n-dilema-cestovatel\" class=\"wp-block-heading\"><strong>Hotovost vs. karta: V\u011b\u010dn\u00e9 dilema cestovatel\u016f<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spol\u00e9hat se pouze na jeden zp\u016fsob placen\u00ed je finan\u010dn\u00ed hazard. Ide\u00e1ln\u00ed je kombinace oboj\u00edho. Pod\u00edvejme se na jejich plusy a m\u00ednusy.<\/p>\n\n\n\n<h3 id=\"htoc-placen-kartou\" class=\"wp-block-heading\"><strong>\ud83d\udcb3 Placen\u00ed kartou<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">V r\u00e1mci EU a vysp\u011bl\u00fdch zem\u00ed sv\u011bta je karta jasnou volbou \u010d\u00edslo jedna. Je to rychl\u00e9, bezpe\u010dn\u00e9 a p\u0159i spr\u00e1vn\u00e9m nastaven\u00ed i levn\u00e9.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-hody-nemus-te-u-sebe-nosit-bal-k-pen-z-v-p-pad-ztr-ty-kartu-jednodu-e-zablokujete-v-aplikaci-p-ehled-o-v-daj-ch-m-te-ihned-v-mobilu\"><strong>V\u00fdhody:<\/strong> Nemus\u00edte u sebe nosit bal\u00edk pen\u011bz, v p\u0159\u00edpad\u011b ztr\u00e1ty kartu jednodu\u0161e zablokujete v aplikaci, p\u0159ehled o v\u00fddaj\u00edch m\u00e1te ihned v mobilu.<\/li>\n\n\n\n<li id=\"htoc-nev-hody-v-odlehlej-ch-oblastech-na-tr-nic-ch-nebo-v-rozvojov-ch-zem-ch-s-n-neusp-jete-n-kter-banky-si-nav-c-tuj-skryt-p-ir-ky-ke-kurz-m-tzv-kurzov-spread-tak-e-s-ka-d-m-n-kupem-m-rn-p-epl-c-te\"><strong>Nev\u00fdhody:<\/strong> V odlehlej\u0161\u00edch oblastech, na tr\u017enic\u00edch nebo v rozvojov\u00fdch zem\u00edch s n\u00ed neusp\u011bjete. N\u011bkter\u00e9 banky si nav\u00edc \u00fa\u010dtuj\u00ed skryt\u00e9 p\u0159ir\u00e1\u017eky ke kurz\u016fm (tzv. kurzov\u00fd spread), tak\u017ee s ka\u017ed\u00fdm n\u00e1kupem m\u00edrn\u011b p\u0159epl\u00e1c\u00edte.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"htoc-hotovost-v-kapse\" class=\"wp-block-heading\"><strong>\ud83d\udcb6 Hotovost v kapse<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pap\u00edrov\u00e9 pen\u00edze maj\u00ed st\u00e1le sv\u00e9 nezastupiteln\u00e9 m\u00edsto. Nap\u0159\u00edklad v N\u011bmecku nebo Rakousku st\u00e1le naraz\u00edte na spoustu kav\u00e1ren a restaurac\u00ed, kde karty striktn\u011b odm\u00edtaj\u00ed. V jihov\u00fdchodn\u00ed Asii nebo Africe je pak hotovost naprostou nutnost\u00ed.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-hody-jistota-e-zaplat-te-kdekoli-stoprocentn-kontrola-nad-rozpo-tem-co-nem-te-v-pen-ence-to-neutrat-te\"><strong>V\u00fdhody:<\/strong> Jistota, \u017ee zaplat\u00edte kdekoli, stoprocentn\u00ed kontrola nad rozpo\u010dtem (co nem\u00e1te v pen\u011b\u017eence, to neutrat\u00edte).<\/li>\n\n\n\n<li id=\"htoc-nev-hody-p-i-kr-de-i-nebo-ztr-t-u-pen-ze-nikdy-neuvid-te-sm-n-rny-v-turistick-ch-centrech-a-na-leti-t-ch-m-vaj-loupe-iv-kurzy-a-poplatky-na-kter-ch-ztrat-te-des-tky-procent-z-m-n-n-stky\"><strong>Nev\u00fdhody:<\/strong> P\u0159i kr\u00e1de\u017ei nebo ztr\u00e1t\u011b u\u017e pen\u00edze nikdy neuvid\u00edte. Sm\u011bn\u00e1rny v turistick\u00fdch centrech a na leti\u0161t\u00edch m\u00edvaj\u00ed \u201eloupe\u017eiv\u00e9\u201c kurzy a poplatky, na kter\u00fdch ztrat\u00edte des\u00edtky procent z m\u011bn\u011bn\u00e9 \u010d\u00e1stky.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-tradi-n-esk-banka-vs-fintech-revolut-wise\" class=\"wp-block-heading\"><strong>Tradi\u010dn\u00ed \u010desk\u00e1 banka vs. Fintech (Revolut, Wise)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud cestujete do zahrani\u010d\u00ed \u010dast\u011bji, va\u0161e b\u011b\u017en\u00e1 \u010desk\u00e1 karta v\u00e1m pravd\u011bpodobn\u011b zbyte\u010dn\u011b luxuje pen\u011b\u017eenku. Na trhu dnes existuj\u00ed skv\u011bl\u00e9 alternativy v podob\u011b fintechov\u00fdch aplikac\u00ed jako Revolut nebo Wise. Poj\u010fme si je srovnat.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/GRAFY-1024x768.png\" alt=\"\" class=\"wp-image-3010\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/GRAFY-1024x768.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/GRAFY-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/GRAFY-768x576.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/GRAFY-1536x1152.png 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/GRAFY-2048x1536.png 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/GRAFY-1080x810.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udfe0 <strong>P\u0159\u00edklad z praxe:<\/strong> Pokud na dovolen\u00e9 utrat\u00edte kartou v p\u0159epo\u010dtu 30 000 K\u010d, s fintech kartou s \u010dist\u00fdm mezibankovn\u00edm kurzem m\u016f\u017eete oproti m\u00e9n\u011b v\u00fdhodn\u00e9mu kurzu b\u011b\u017en\u00e9 banky u\u0161et\u0159it klidn\u011b 600 a\u017e 900 K\u010d. To u\u017e je p\u0159\u00edjemn\u00e1 ve\u010de\u0159e v p\u0159\u00edstavu zdarma.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">P\u0159e\u010dt\u011bte si n\u00e1\u0161 dal\u0161\u00ed \u010dl\u00e1nek na t\u00e9ma: <a href=\"https:\/\/www.fingo.cz\/blog\/kreditni-vs-debetni-karta\/\">Kreditn\u00ed vs. debetn\u00ed karta: Zn\u00e1te rozd\u00edly a v\u00edte, kter\u00e1 se v\u00e1m vyplat\u00ed?<\/a><\/p>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-co-zkontrolovat-v-mobiln-m-bankovnictv-p-ed-odjezdem\" class=\"wp-block-heading\">Co zkontrolovat v mobiln\u00edm bankovnictv\u00ed p\u0159ed odjezdem?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u017e sednete do letadla nebo auta, v\u011bnujte p\u011bt minut nastaven\u00ed sv\u00e9 bankovn\u00ed aplikace. U\u0161et\u0159\u00ed v\u00e1m to spoustu vr\u00e1sek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udcb3  Platebn\u00ed limity:<\/strong> Zkontrolujte si limity pro platby a v\u00fdb\u011bry z bankomat\u016f. Nezapome\u0148te, \u017ee autop\u016fj\u010dovny nebo hotely \u010dasto vy\u017eaduj\u00ed blokaci vysok\u00e9 vratn\u00e9 kauce (depozitu), kter\u00e1 v\u00e1m m\u016f\u017ee denn\u00ed \u010di t\u00fddenn\u00ed limit okam\u017eit\u011b vy\u010derpat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83c\udf0d Povolen\u00ed kontinentu (Geo-blocking):<\/strong> N\u011bkter\u00e9 banky z bezpe\u010dnostn\u00edch d\u016fvod\u016f blokuj\u00ed transakce mimo Evropu. Pokud let\u00edte do Asie nebo Ameriky, mus\u00edte v aplikaci tyto regiony ru\u010dn\u011b povolit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83c\udfd6\ufe0f Cestovn\u00ed poji\u0161t\u011bn\u00ed ke kart\u011b:<\/strong> Mnoho lid\u00ed spol\u00e9h\u00e1 na poji\u0161t\u011bn\u00ed, kter\u00e9 maj\u00ed zdarma k platebn\u00ed kart\u011b. Pozor v\u0161ak na pojistn\u00e9 limity! U z\u00e1kladn\u00edch karet b\u00fdvaj\u00ed limity na l\u00e9\u010debn\u00e9 v\u00fdlohy n\u00edzk\u00e9.\u00a0<\/p>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-pozor-na-poplatky-samotn-ch-bankomat\" class=\"wp-block-heading\"><strong>Pozor na poplatky samotn\u00fdch bankomat\u016f<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mnoho \u010desk\u00fdch bank l\u00e1k\u00e1 na <strong>\u201ev\u00fdb\u011bry z bankomat\u016f v zahrani\u010d\u00ed zdarma\u201c<\/strong>. H\u00e1\u010dek je v tom, \u017ee v\u00e1m poplatek nestrhne va\u0161e banka, ale <strong>provozovatel ciz\u00edho bankomatu<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tento poplatek za pou\u017eit\u00ed p\u0159\u00edstroje se naz\u00fdv\u00e1 <strong>Surcharge fee<\/strong> (\u010di <em>Access Fee<\/em>). B\u011b\u017en\u011b na n\u011bj naraz\u00edte u nebankovn\u00edch provozovatel\u016f, jako jsou \u017eluto-modr\u00e9 bankomaty Euronet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kolik zaplat\u00edte nav\u00edc?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-evrop-typicky-2-a-8-eur-za-jeden-v-b-r\"><strong>V Evrop\u011b:<\/strong> typicky <strong>2 a\u017e 8 EUR<\/strong> za jeden v\u00fdb\u011br.<\/li>\n\n\n\n<li id=\"htoc-v-exotice-asto-pevn-stka-nap-v-thajsku-standardn-220-thb-tedy-cca-150-k\"><strong>V exotice:<\/strong> \u010dasto pevn\u00e1 \u010d\u00e1stka (nap\u0159. v Thajsku standardn\u011b 220 THB, tedy cca 150 K\u010d)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u2757\ufe0f <strong>D\u016fle\u017eit\u00e9 varov\u00e1n\u00ed:<\/strong> Bankomat v\u00e1s na poplatek mus\u00ed upozornit na obrazovce je\u0161t\u011b p\u0159ed dokon\u010den\u00edm transakce. Pokud s \u010d\u00e1stkou nesouhlas\u00edte, <strong>v\u00fdb\u011br zru\u0161te<\/strong>. Rad\u011bji vyhledejte bankomat velk\u00e9 kamenn\u00e9 banky (nap\u0159. Santander, UniCredit), kde b\u00fdvaj\u00ed tyto poplatky ni\u017e\u0161\u00ed nebo \u017e\u00e1dn\u00e9.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-asto-kladen-dotazy-faq\" class=\"wp-block-heading\"><strong>\ud83d\udca1 \u010casto kladen\u00e9 dotazy (FAQ)<\/strong><\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Kreditka, nebo debetka: Co zabalit s sebou?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ide\u00e1ln\u011b ob\u011b. <strong>Debetn\u00ed kartu<\/strong> pou\u017e\u00edvejte na b\u011b\u017en\u00e9 n\u00e1kupy i v\u00fdb\u011bry. <strong>Kreditka<\/strong> je pak nutn\u00e1 pojistka &#8211; autop\u016fj\u010dovny a hotely ji v cizin\u011b vy\u017eaduj\u00ed pro blokaci vratn\u00e9 kauce a debetky \u010dasto neakceptuj\u00ed.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Co d\u011blat, kdy\u017e bankomat se\u017eere kartu?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hlavn\u011b klid. Je-li bankomat u pobo\u010dky, \u0159e\u0161te to hned uvnit\u0159 s pasem v ruce. Pokud se to stane na ulici nebo v noci, <strong>kartu ihned zablokujte v mobiln\u00ed aplikaci<\/strong>. V\u017edy cestujte s v\u00edce kartami, druhou nechte v hotelov\u00e9m trezoru a v mobilu m\u011bjte aktivn\u00ed Apple Pay nebo Google Pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>M\u011bnit pen\u00edze u\u017e v \u010cR, nebo a\u017e v cizin\u011b?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1le\u017e\u00ed, kam jedete. <strong>Eura a dolary<\/strong> vym\u011b\u0148te p\u0159edem v dobr\u00e9 \u010desk\u00e9 sm\u011bn\u00e1rn\u011b bez poplatk\u016f. <strong>Exotick\u00e9 m\u011bny<\/strong> (Asie, Afrika) u n\u00e1s nem\u011b\u0148te &#8211; kurzy b\u00fdvaj\u00ed nev\u00fdhodn\u00e9. Do exotiky si vezm\u011bte eura \u010di dolary a sm\u011b\u0148te je a\u017e na m\u00edst\u011b, p\u0159\u00edpadn\u011b vyberte m\u00edstn\u00ed m\u011bnu z bankomatu (bez DCC).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Idyla u mo\u0159e s drinkem v ruce se po n\u00e1vratu m\u016f\u017ee rychle prom\u011bnit v no\u010dn\u00ed m\u016fru. Sta\u010d\u00ed otev\u0159\u00edt bankovnictv\u00ed a sledovat \u0161kody. Skryt\u00e9 poplatky, \u0161patn\u00e9 kurzy a nev\u00fdhodn\u00e9 v\u00fdb\u011bry z bankomat\u016f v\u00e1s dok\u00e1\u017eou p\u0159ipravit o tis\u00edce korun. Nenech\u00e1vejte pen\u00edze v kaps\u00e1ch zahrani\u010dn\u00edch bank. P\u0159ipravili jsme pro v\u00e1s p\u0159ehledn\u00fd n\u00e1vod, jak spr\u00e1vn\u011b nastavit \u00fa\u010dty a vyhnout se drah\u00fdm chyb\u00e1m v EU i ve sv\u011bt\u011b. Past jm\u00e9nem DCC Pokud si z tohoto \u010dl\u00e1nku m\u00e1te odn\u00e9st jedinou v\u011bc, pak je to zkratka DCC \u2013 Dynamic Currency Conversion (Dynamick\u00e1 konverze m\u011bny). Potk\u00e1te ji na termin\u00e1lech v obchodech i u zahrani\u010dn\u00edch bankomat\u016f. Bankomat i termin\u00e1l poznaly, \u017ee m\u00e1te \u010deskou kartu, a nab\u00edz\u00ed v\u00e1m za\u00fa\u010dtov\u00e1n\u00ed p\u0159\u00edmo v CZK. Jen\u017ee v tom je ten hlavn\u00ed h\u00e1\u010dek. \ud83d\udcca P\u0159edstavte si to na p\u0159\u00edkladu: Kupujete si v It\u00e1lii pizzu. M\u00edsto abyste zaplatili p\u0159\u00edmo v eurech, p\u0159izvete si soukrom\u00e9ho tlumo\u010dn\u00edka. Ten v\u00e1m cenu p\u0159epo\u010d\u00edt\u00e1 podle sv\u00e9ho velmi nev\u00fdhodn\u00e9ho kurzu a je\u0161t\u011b si p\u0159isad\u00ed tu\u010dnou provizi. V\u00fdsledek? Za \u00fapln\u011b stejnou pizzu zaplat\u00edte o 10 a\u017e 15 % v\u00edce. \u2705 Co d\u011blat u termin\u00e1lu a bankomatu: Kdykoliv v\u00e1m p\u0159\u00edstroj nab\u00eddne v\u00fdb\u011br mezi m\u00edstn\u00ed m\u011bnou (EUR, USD apod.) a korunami (CZK), v\u017edy zvolte m\u00edstn\u00ed m\u011bnu bez konverze (\u201eWithout Conversion\u201c \/ \u201eLocal Currency\u201c). P\u0159epo\u010det [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":3009,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-3006","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Dovolen\u00e1 bez finan\u010dn\u00ed kocoviny: Jak neprod\u011blat na poplatc\u00edch - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"P\u0159ipravili jsme pro v\u00e1s p\u0159ehledn\u00fd n\u00e1vod, jak spr\u00e1vn\u011b nastavit \u00fa\u010dty a vyhnout se drah\u00fdm chyb\u00e1m v EU i ve sv\u011bt\u011b.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dovolen\u00e1 bez finan\u010dn\u00ed kocoviny: Jak neprod\u011blat na poplatc\u00edch\" \/>\n<meta property=\"og:description\" content=\"P\u0159ipravili jsme pro v\u00e1s p\u0159ehledn\u00fd n\u00e1vod, jak spr\u00e1vn\u011b nastavit \u00fa\u010dty a vyhnout se drah\u00fdm chyb\u00e1m v EU i ve sv\u011bt\u011b.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-17T09:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/08\/Fotky-pro-blog2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1480\" \/>\n\t<meta property=\"og:image:height\" content=\"988\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\\\/\"},\"author\":{\"name\":\"Karol\u00edna Nov\u00e1kov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/f50a8641c3a328040ea1b2d88859791f\"},\"headline\":\"Dovolen\u00e1 bez finan\u010dn\u00ed kocoviny: Jak neprod\u011blat na poplatc\u00edch\",\"datePublished\":\"2026-08-17T09:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\\\/\"},\"wordCount\":1219,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Fotky-pro-blog2.png\",\"articleSection\":[\"Osobn\u00ed finance\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/dovolena-bez-financni-kocoviny-jak-neprodelat-na-poplatcich\\\/\",\"name\":\"Dovolen\u00e1 bez finan\u010dn\u00ed kocoviny: Jak neprod\u011blat na poplatc\u00edch - 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