{"id":3699,"date":"2025-12-24T10:00:04","date_gmt":"2025-12-24T10:00:04","guid":{"rendered":"https:\/\/blog.lebara.co.uk\/?p=3699"},"modified":"2026-02-05T08:57:21","modified_gmt":"2026-02-05T08:57:21","slug":"best-apps-for-money-conversions-payments-abroad","status":"publish","type":"post","link":"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/","title":{"rendered":"Nejlep\u0161\u00ed aplikace pro p\u0159evody pen\u011bz a platby v zahrani\u010d\u00ed"},"content":{"rendered":"<p>Cestov\u00e1n\u00ed <a href=\"https:\/\/blog.lebara.co.uk\/cs\/using-data-abroad-what-you-need-to-know\/\">v zahrani\u010d\u00ed<\/a> by m\u011bla b\u00fdt o nov\u00fdch z\u00e1\u017eitc\u00edch, ne o sledov\u00e1n\u00ed dovolen\u00e9. <a href=\"https:\/\/blog.lebara.co.uk\/cs\/the-top-five-budget-smartphones-in-the-uk\/\">rozpo\u010det<\/a> zmizet v bankovn\u00edch poplatc\u00edch a \u0161patn\u00fdch sm\u011bnn\u00fdch kurzech. P\u0159esto se milion\u016fm cestovatel\u016f, kte\u0159\u00ed vyu\u017e\u00edvaj\u00ed tradi\u010dn\u00ed banky, d\u011bje p\u0159esn\u011b to, co se d\u011bje - \u010dasto ani\u017e by si to uv\u011bdomovali.<\/p>\n\n\n\n<p>Dobr\u00e1 zpr\u00e1va? V roce 2025 m\u016f\u017ee n\u011bkolik chytr\u00fdch aplikac\u00ed sn\u00ed\u017eit va\u0161e v\u00fddaje v zahrani\u010d\u00ed t\u00e9m\u011b\u0159 na nulu. A\u0165 u\u017e se chyst\u00e1te do zahrani\u010d\u00ed na prodlou\u017een\u00fd v\u00edkend v Barcelon\u011b, nebo str\u00e1v\u00edte t\u0159i m\u011bs\u00edce na cest\u00e1ch mezi Bali a Bangkokem, v\u00fdb\u011br spr\u00e1vn\u00e9 pen\u011b\u017eenky s v\u00edce m\u011bnami nebo aplikace na pen\u00edze na cesty m\u00e1 velk\u00fd v\u00fdznam.<\/p>\n\n\n\n<p>Tento pr\u016fvodce p\u0159esn\u011b popisuje, jak se vyhnout poplatk\u016fm za zahrani\u010dn\u00ed transakce, jak se vyhnout drah\u00fdm poplatk\u016fm za v\u00fdb\u011br z bankomatu a jak z\u00edskat nejlep\u0161\u00ed mo\u017en\u00fd sm\u011bnn\u00fd kurz p\u0159i ka\u017ed\u00e9m n\u00e1kupu v zahrani\u010d\u00ed. Porovn\u00e1me p\u0159edn\u00ed aplikace, vysv\u011btl\u00edme skryt\u00e9 poplatky, kter\u00e9 v\u011bt\u0161inu cestovatel\u016f zasko\u010d\u00ed, a nab\u00eddneme v\u00e1m praktick\u00e1 nastaven\u00ed pro r\u016fzn\u00e9 styly cestov\u00e1n\u00ed.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"P\u0159epnut\u00ed tabulky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">P\u0159ep\u00edna\u010d<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/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:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Quick_Answer_Best_Apps_to_Use_in_2025\" >Rychl\u00e1 odpov\u011b\u010f: Nejlep\u0161\u00ed aplikace pro rok 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\" >Co jsou poplatky za zahrani\u010dn\u00ed transakce a kolik stoj\u00ed v roce 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Hidden_Charges_When_Paying_and_Withdrawing_Abroad\" >Skryt\u00e9 poplatky p\u0159i platb\u011b a v\u00fdb\u011bru v zahrani\u010d\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\" >Jak se vyhnout poplatk\u016fm za zahrani\u010dn\u00ed transakce p\u0159i platb\u00e1ch kartou v zahrani\u010d\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Always_Pay_in_the_Local_Currency\" >V\u017edy pla\u0165te v m\u00edstn\u00ed m\u011bn\u011b<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Weekend_Exchange_Rate_Markups_Explained\" >Vysv\u011btlen\u00ed v\u00edkendov\u00fdch kurzov\u00fdch p\u0159ir\u00e1\u017eek<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\" >Nejlep\u0161\u00ed aplikace pro konverzi pen\u011bz a utr\u00e1cen\u00ed v zahrani\u010d\u00ed v roce 2025<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Wise\" >Moudr\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Revolut\" >Revolut<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Monzo_UK\" >Monzo (Velk\u00e1 Brit\u00e1nie)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Starling_UK\" >Starling (Velk\u00e1 Brit\u00e1nie)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Curve\" >K\u0159ivka<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#N26_EU\" >N26 (EU)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Chase_UK\" >Chase UK<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#How_to_Choose\" >Jak si vybrat<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\" >Jak se vyhnout poplatk\u016fm za v\u00fdb\u011br z bankomatu v zahrani\u010d\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Best_Practices_for_Using_ATMs_Abroad_in_2025\" >Osv\u011bd\u010den\u00e9 postupy pro pou\u017e\u00edv\u00e1n\u00ed bankomat\u016f v zahrani\u010d\u00ed v roce 2025<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Before_Departure\" >P\u0159ed odjezdem<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#At_the_ATM\" >U bankomatu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Budgeting_Your_Cash_Needs\" >Rozpo\u010d\u00edt\u00e1v\u00e1n\u00ed pen\u011b\u017en\u00edch pot\u0159eb<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#How_Travel_Wallets_and_Multi-Currency_Cards_Compare\" >Porovn\u00e1n\u00ed cestovn\u00edch pen\u011b\u017eenek a multim\u011bnov\u00fdch karet<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Main_Types\" >Hlavn\u00ed typy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Multi-Currency_Wallets\" >Pen\u011b\u017eenky pro v\u00edce m\u011bn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Prepaid_Travel_Cards\" >P\u0159edplacen\u00e9 cestovn\u00ed karty<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Digital_Wallets\" >Digit\u00e1ln\u00ed pen\u011b\u017eenky<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Example_Setups_for_Different_Traveller_Types\" >P\u0159\u00edklady nastaven\u00ed pro r\u016fzn\u00e9 typy cestovatel\u016f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#UK_City-Break_Traveller_4_Days_in_Europe\" >Cestovatel po m\u011bstech ve Velk\u00e9 Brit\u00e1nii: 4 dny v Evrop\u011b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Digital_Nomad_3_Months_in_Europe_and_Asia\" >Digit\u00e1ln\u00ed nom\u00e1d: 3 m\u011bs\u00edce v Evrop\u011b a Asii<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#US-Based_Parent_Supporting_a_Student_Abroad\" >Rodi\u010d z USA: podpora studenta v zahrani\u010d\u00ed<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/#Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\" >Posledn\u00ed tipy pro chyt\u0159ej\u0161\u00ed v\u00fddaje v zahrani\u010d\u00ed a p\u0159\u00edstup k hotovosti<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_Answer_Best_Apps_to_Use_in_2025\"><\/span>Rychl\u00e1 odpov\u011b\u010f: Nejlep\u0161\u00ed aplikace pro rok 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pou\u017e\u00edv\u00e1n\u00ed spr\u00e1vn\u00fdch aplikac\u00ed pro v\u00edce m\u011bn v roce 2025 m\u016f\u017ee cestuj\u00edc\u00edm z Velk\u00e9 Brit\u00e1nie, EU, USA a Austr\u00e1lie t\u00e9m\u011b\u0159 eliminovat poplatky za zahrani\u010dn\u00ed transakce a bankomaty. Zat\u00edmco tradi\u010dn\u00ed banky si st\u00e1le \u00fa\u010dtuj\u00ed 2,75%-3% z ka\u017ed\u00e9 zahrani\u010dn\u00ed transakce, tyto fintech alternativy nab\u00edzej\u00ed \u00fatratu bez poplatk\u016f a konkurenceschopn\u00e9 sm\u011bnn\u00e9 kurzy, kter\u00e9 v\u00e1m u\u0161et\u0159\u00ed skute\u010dn\u00e9 pen\u00edze.<\/p>\n\n\n\n<p><strong>Nejlep\u0161\u00ed volby pro rok 2025:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Aplikace<\/th><th>Nejlep\u0161\u00ed pro<\/th><th>Kl\u00ed\u010dov\u00e1 v\u00fdhoda<\/th><\/tr><tr><td><strong>Moudr\u00e9<\/strong><\/td><td>Celkov\u00e1 hodnota<\/td><td>St\u0159edn\u00ed sm\u011bnn\u00fd kurz s transparentn\u00edmi a n\u00edzk\u00fdmi poplatky<\/td><\/tr><tr><td><strong>Revolut<\/strong><\/td><td>Rozmanitost funkc\u00ed<\/td><td>Dr\u017een\u00ed ve v\u00edce m\u011bn\u00e1ch, n\u00e1stroje pro tvorbu rozpo\u010dtu, \u0161irok\u00e9 pokryt\u00ed<\/td><\/tr><tr><td><strong>Monzo<\/strong> (SPOJEN\u00c9 KR\u00c1LOVSTV\u00cd)<\/td><td>Ka\u017edodenn\u00ed platby kartou<\/td><td>0% FX poplatky za v\u00fddaje, jednoduch\u00e9 rozhran\u00ed<\/td><\/tr><tr><td><strong>Starling<\/strong> (SPOJEN\u00c9 KR\u00c1LOVSTV\u00cd)<\/td><td>V\u00fddaje v zahrani\u010d\u00ed bez poplatk\u016f<\/td><td>\u017d\u00e1dn\u00e9 poplatky za zahrani\u010dn\u00ed transakce p\u0159i n\u00e1kupech a v\u00fdb\u011brech<\/td><\/tr><tr><td><strong>K\u0159ivka<\/strong><\/td><td>Vrstven\u00ed na st\u00e1vaj\u00edc\u00ed karty<\/td><td>Pou\u017eit\u00ed st\u00e1vaj\u00edc\u00edch karet s lep\u0161\u00edm FX<\/td><\/tr><tr><td><strong>N26<\/strong> (EU)<\/td><td>Evrop\u0161t\u00ed cestovatel\u00e9<\/td><td>Solidn\u00ed bezplatn\u00e1 \u00farove\u0148 bez FX p\u0159ir\u00e1\u017eky<\/td><\/tr><tr><td><strong>Chase UK<\/strong><\/td><td>Cestuj\u00edc\u00ed ze Spojen\u00e9ho kr\u00e1lovstv\u00ed<\/td><td>\u017d\u00e1dn\u00e9 poplatky v zahrani\u010d\u00ed, 1% cashback<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Pro platby kartou v zahrani\u010d\u00ed nab\u00edzej\u00ed Monzo, Starling a Chase UK skute\u010dn\u011b bezpoplatkov\u00e9 v\u00fddaje. Pro v\u00fdb\u011bry hotovosti poskytuje Wise bezplatn\u00fd limit na v\u00fdb\u011br z bankomatu p\u0159edt\u00edm, ne\u017e se za\u010dnou \u00fa\u010dtovat procentn\u00ed poplatky, zat\u00edmco Revolut nab\u00edz\u00ed podobn\u00e9 limity, ale uplat\u0148uje v\u00edkendov\u00e9 p\u0159ir\u00e1\u017eky na sm\u011bnu m\u011bn.<\/p>\n\n\n\n<p>Tradi\u010dn\u00ed kamenn\u00e9 banky ve Velk\u00e9 Brit\u00e1nii si st\u00e1le \u00fa\u010dtuj\u00ed poplatky za zahrani\u010dn\u00ed transakce ve v\u00fd\u0161i p\u0159ibli\u017en\u011b 2,75%-3%, plus samostatn\u00e9 poplatky za v\u00fdb\u011br z bankomatu a p\u0159ir\u00e1\u017eky za dynamickou konverzi m\u011bn (DCC). A to je\u0161t\u011b p\u0159edt\u00edm, ne\u017e v\u00e1m m\u00edstn\u00ed bankomat na\u00fa\u010dtuje vlastn\u00ed poplatek.<\/p>\n\n\n\n<p>Zbytek \u010dl\u00e1nku se zab\u00fdv\u00e1 poplatky, v\u00edkendov\u00fdmi p\u0159ir\u00e1\u017ekami, strategiemi pro bankomaty a srovn\u00e1n\u00edm jednotliv\u00fdch aplikac\u00ed - je ur\u010den p\u0159edev\u0161\u00edm \u010dten\u00e1\u0159\u016fm ve Velk\u00e9 Brit\u00e1nii a na dal\u0161\u00edch v\u00fdznamn\u00fdch anglicky mluv\u00edc\u00edch trz\u00edch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_Foreign_Transaction_Fees_%E2%80%93_And_How_Much_Do_They_Cost_in_2025\"><\/span>Co jsou poplatky za zahrani\u010dn\u00ed transakce a kolik stoj\u00ed v roce 2025?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Poplatky za zahrani\u010dn\u00ed transakce jsou procentn\u00ed poplatky, kter\u00e9 si banka nebo aplikace p\u0159ipo\u010d\u00edt\u00e1v\u00e1, kdy\u017e plat\u00edte v jin\u00e9 ne\u017e dom\u00e1c\u00ed m\u011bn\u011b va\u0161\u00ed karty. Tento poplatek se v tichosti uplatn\u00ed poka\u017ed\u00e9, kdy\u017e ve Francii klepnete na kartu britsk\u00e9 banky nebo v Japonsku na kartu americk\u00e9 banky.<\/p>\n\n\n\n<p><strong>Typick\u00e9 rozsahy v roce 2025:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Britsk\u00e9 banky s velk\u00fdm obratem:<\/strong> 2.75%-3% za n\u00e1kup nebo v\u00fdb\u011br hotovosti<\/li>\n\n\n\n<li><strong>Americk\u00e9 banky:<\/strong> 2%-3% (n\u011bkter\u00e9 pr\u00e9miov\u00e9 karty se tohoto po\u017eadavku vzd\u00e1vaj\u00ed).<\/li>\n\n\n\n<li><strong>Pr\u00e9miov\u00e9 cestovn\u00ed karty a nebankovn\u00ed karty:<\/strong> 0%<\/li>\n<\/ul>\n\n\n\n<p>V\u011bt\u0161inu lid\u00ed zaujme, \u017ee na jednu zahrani\u010dn\u00ed transakci se mohou vztahovat t\u0159i samostatn\u00e9 vrstvy.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Poplatek za zahrani\u010dn\u00ed transakci<\/strong> - procentn\u00ed poplatek va\u0161\u00ed banky<\/li>\n\n\n\n<li><strong>FX p\u0159ir\u00e1\u017eka<\/strong> - rozd\u00edl mezi sazbou, kterou dostanete, a st\u0159edn\u00ed tr\u017en\u00ed sazbou.<\/li>\n\n\n\n<li><strong>M\u00edstn\u00ed poplatky za bankomat\/oper\u00e1tora<\/strong> - pau\u0161\u00e1ln\u00ed poplatky z bankomatu<\/li>\n<\/ol>\n\n\n\n<p><strong>Konkr\u00e9tn\u00ed p\u0159\u00edklad:<\/strong> Utrat\u00edte 1 000 liber za t\u00fddenn\u00ed dovolenou ve \u0160pan\u011blsku pomoc\u00ed standardn\u00ed debetn\u00ed karty britsk\u00e9 banky s poplatkem za zahrani\u010dn\u00ed transakci ve v\u00fd\u0161i 2,99%. To je zhruba 30 liber pry\u010d, ne\u017e v\u016fbec pomysl\u00edte na hotovost. Kdy\u017e k tomu p\u0159ipo\u010dtete n\u011bkolik v\u00fdb\u011br\u016f z bankomatu po 3 \u20ac, vyjde v\u00e1m zbyte\u010dn\u00fdch 40-50 liber.<\/p>\n\n\n\n<p>Mnoho \u201ccestovn\u00edch kreditn\u00edch karet\u201d, jako je Halifax Clarity nebo Barclaycard Rewards, odpou\u0161t\u00ed m\u011bnov\u00e9 poplatky za n\u00e1kupy - co\u017e zn\u00ed skv\u011ble. \u010casto v\u0161ak od prvn\u00edho dne \u00fa\u010dtuj\u00ed \u00faroky za v\u00fdb\u011bry hotovosti a p\u0159\u00edpadn\u00e9 poplatky za konverzi. Ne\u017e za\u010dnete p\u0159edpokl\u00e1dat, \u017ee je jak\u00e1koli karta skute\u010dn\u011b \u201czdarma\u201d, v\u017edy si p\u0159e\u010dt\u011bte drobn\u00e9 p\u00edsmo.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hidden_Charges_When_Paying_and_Withdrawing_Abroad\"><\/span>Skryt\u00e9 poplatky p\u0159i platb\u011b a v\u00fdb\u011bru v zahrani\u010d\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Cena na n\u00e1lepce m\u00e1lokdy odpov\u00edd\u00e1 pln\u00fdm n\u00e1klad\u016fm. Skryt\u00e9 poplatky se \u010dasto skr\u00fdvaj\u00ed v drobn\u00e9m p\u00edsmu nebo jsou obsa\u017eeny v samotn\u00e9m sm\u011bnn\u00e9m kurzu - a pokud pou\u017eijete \u0161patnou kartu nebo vyberete \u0161patnou mo\u017enost na obrazovce, mohou se k b\u011b\u017en\u00fdm v\u00fddaj\u016fm p\u0159ipo\u010d\u00edtat 3%-7%.<\/p>\n\n\n\n<p><strong>Obvykl\u00e9 skryt\u00e9 n\u00e1klady, na kter\u00e9 je t\u0159eba si d\u00e1t pozor:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Poplatky za transakce jin\u00e9 ne\u017e v libr\u00e1ch<\/strong> - \u010dasto se uv\u00e1d\u00ed odd\u011blen\u011b od \u201cpoplatku za zahrani\u010dn\u00ed transakci\u201d.\u201d<\/li>\n\n\n\n<li><strong>Poplatky za hotovostn\u00ed z\u00e1lohy na kreditn\u00edch kart\u00e1ch<\/strong> - mnoho kreditn\u00edch karet pova\u017euje v\u00fdb\u011bry z bankomat\u016f za hotovostn\u00ed z\u00e1lohy a \u00fa\u010dtuje si 3%-5% p\u0159edem plus \u00faroky od prvn\u00edho dne.<\/li>\n\n\n\n<li><strong>P\u0159\u00edplatky za m\u00edstn\u00ed bankomaty<\/strong> - obvykle 2-6 EUR za v\u00fdb\u011br v Evrop\u011b, $3-$7 v USA.<\/li>\n\n\n\n<li><strong>\u0160patn\u00e9 m\u011bnov\u00e9 kurzy prost\u0159ednictv\u00edm dynamick\u00e9 konverze m\u011bn (DCC)<\/strong> - kdy\u017e u bankomatu nebo pokladny akceptujete konverzi na dom\u00e1c\u00ed m\u011bnu.<\/li>\n\n\n\n<li><strong>V\u00edkendov\u00e9 a mimotr\u017en\u00ed p\u0159ir\u00e1\u017eky k sazb\u00e1m<\/strong> - mnoho aplikac\u00ed p\u0159id\u00e1v\u00e1 0,5%-1,5%, kdy\u017e jsou devizov\u00e9 trhy zav\u0159en\u00e9<\/li>\n<\/ul>\n\n\n\n<p>P\u0159ed cestou zkontrolujte str\u00e1nku s tarifem sv\u00e9 karty nebo aplikace (ujist\u011bte se, \u017ee je aktualizovan\u00e1 pro rok 2025). Zam\u011b\u0159te se zejm\u00e9na na:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201cPoplatek za transakci v jin\u00e9 m\u011bn\u011b ne\u017e v libr\u00e1ch\u201d<\/li>\n\n\n\n<li>\u201cPoplatek za v\u00fdb\u011br hotovosti\u201d nebo \u201cpoplatek za v\u00fdb\u011br z bankomatu v zahrani\u010d\u00ed\u201d<\/li>\n\n\n\n<li>\u201cPou\u017eit\u00ed bankomatu v zahrani\u010d\u00ed\u201d<\/li>\n\n\n\n<li>Z\u00e1sady v\u00edkendov\u00fdch p\u0159ir\u00e1\u017eek<\/li>\n<\/ul>\n\n\n\n<p>Konkr\u00e9tn\u00ed strategie, jak se t\u011bmto poplatk\u016fm vyhnout v bankomatu, najdete v \u010d\u00e1sti v\u011bnovan\u00e9 bankomat\u016fm n\u00ed\u017ee v tomto \u010dl\u00e1nku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Avoid_Foreign_Transaction_Fees_on_Card_Payments_Abroad\"><\/span>Jak se vyhnout poplatk\u016fm za zahrani\u010dn\u00ed transakce p\u0159i platb\u00e1ch kartou v zahrani\u010d\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nejjednodu\u0161\u0161\u00ed \u00faspora je p\u0159i platb\u00e1ch kartou - v restaurac\u00edch, hotelech, obchodech - kde se spr\u00e1vnou aplikac\u00ed a n\u011bkolika dobr\u00fdmi n\u00e1vyky \u010dasto dos\u00e1hnete 0% FX.<\/p>\n\n\n\n<p><strong>Vyberte si aplikaci nebo kartu s:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% poplatky za zahrani\u010dn\u00ed transakce p\u0159i n\u00e1kupech<\/li>\n\n\n\n<li>FX na \u00farovni st\u0159edn\u00edho tr\u017en\u00edho kurzu nebo v jeho bl\u00edzkosti<\/li>\n\n\n\n<li>\u017d\u00e1dn\u00e1 nebo n\u00edzk\u00e1 v\u00edkendov\u00e1 p\u0159ir\u00e1\u017eka (ide\u00e1ln\u011b 0% uprost\u0159ed t\u00fddne, \u22640,5% o v\u00edkendu)<\/li>\n\n\n\n<li>Visa nebo Mastercard <a href=\"https:\/\/blog.lebara.co.uk\/cs\/how-to-find-out-what-network-youre-on\/\">s\u00ed\u0165<\/a> pro siln\u00e9 glob\u00e1ln\u00ed p\u0159ijet\u00ed<\/li>\n<\/ul>\n\n\n\n<p><strong>Doporu\u010den\u00e9 mo\u017enosti podle regionu:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Region<\/th><th>Nejlep\u0161\u00ed mo\u017enosti<\/th><\/tr><tr><td><strong>VELK\u00c1 BRIT\u00c1NIE\/EU<\/strong><\/td><td>Wise, Revolut, Monzo, Starling, N26, Curve<\/td><\/tr><tr><td><strong>US<\/strong><\/td><td>Wise, Revolut (pokud je k dispozici), specializovan\u00e9 kreditn\u00ed karty bez FX<\/td><\/tr><tr><td><strong>Austr\u00e1lie\/NZ<\/strong><\/td><td>Wise, Revolut, ING Orange Everyday, Macquarie Transak\u010dn\u00ed \u00fa\u010det<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Always_Pay_in_the_Local_Currency\"><\/span>V\u017edy pla\u0165te v m\u00edstn\u00ed m\u011bn\u011b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To je nejd\u016fle\u017eit\u011bj\u0161\u00ed pravidlo pro zahrani\u010dn\u00ed v\u00fddaje. Kdy\u017e se v\u00e1s automat nebo bankomat zept\u00e1, zda chcete platit v dom\u00e1c\u00ed nebo m\u00edstn\u00ed m\u011bn\u011b, <strong>v\u017edy zvolte m\u00edstn\u00ed m\u011bnu<\/strong>.<\/p>\n\n\n\n<p>Dynamick\u00e1 konverze m\u011bn DCC je situace, kdy obchodn\u00edci nebo bankomaty nab\u00edzej\u00ed konverzi n\u00e1kupu do va\u0161\u00ed dom\u00e1c\u00ed m\u011bny \u201cpro v\u011bt\u0161\u00ed pohodl\u00ed\u201d. Ve skute\u010dnosti v\u0161ak uplat\u0148uj\u00ed sv\u016fj vlastn\u00ed p\u0159\u00ed\u0161ern\u00fd sm\u011bnn\u00fd kurz - obvykle 5%-7% hor\u0161\u00ed, ne\u017e byste dostali jinak. Tyto dodate\u010dn\u00e9 n\u00e1klady jdou p\u0159\u00edmo za obchodn\u00edkem nebo provozovatelem bankomatu.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Poka\u017ed\u00e9, kdy\u017e se na obrazovce zobraz\u00ed mo\u017enost \u201cPlatit v GBP?\u201d nebo \u201cP\u0159ev\u00e9st na USD?\u201d, odm\u00edtn\u011bte ji. M\u00edsto toho zvolte m\u011bnu dan\u00e9 zem\u011b.<\/p>\n<\/blockquote>\n\n\n\n<p>Zapn\u011bte si v bankovn\u00ed aplikaci okam\u017eit\u00e1 ozn\u00e1men\u00ed, abyste okam\u017eit\u011b vid\u011bli m\u00edstn\u00ed \u010d\u00e1stku, p\u0159evedenou \u010d\u00e1stku a zjistili p\u0159\u00edpadn\u00e9 neo\u010dek\u00e1van\u00e9 dodate\u010dn\u00e9 poplatky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weekend_Exchange_Rate_Markups_Explained\"><\/span>Vysv\u011btlen\u00ed v\u00edkendov\u00fdch kurzov\u00fdch p\u0159ir\u00e1\u017eek<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Devizov\u00e9 trhy se zav\u00edraj\u00ed v p\u00e1tek pozd\u011b ve\u010der a znovu se otev\u00edraj\u00ed a\u017e v ned\u011bli pozd\u011b ve\u010der (lond\u00fdnsk\u00e9ho \u010dasu). B\u011bhem tohoto obdob\u00ed mnoho bank a aplikac\u00ed p\u0159id\u00e1v\u00e1 ke sv\u00fdm kurz\u016fm do\u010dasn\u00fd pol\u0161t\u00e1\u0159, aby pokryly p\u0159\u00edpadn\u00e9 pohyby m\u011bn - a vy za tento pol\u0161t\u00e1\u0159 plat\u00edte.<\/p>\n\n\n\n<p><strong>Typick\u00e9 v\u00edkendov\u00e9 p\u0159ir\u00e1\u017eky v roce 2025:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revolut:<\/strong> 0,5%-1% nav\u00edc na v\u011bt\u0161inu m\u011bn o v\u00edkendech<\/li>\n\n\n\n<li><strong>Moudr\u00e9:<\/strong> Obecn\u011b ni\u017e\u0161\u00ed v\u00edkendov\u00e1 p\u0159ir\u00e1\u017eka, ale st\u00e1le plat\u00ed pro n\u011bkter\u00e9 p\u00e1ry<\/li>\n\n\n\n<li><strong>Tradi\u010dn\u00ed banky:<\/strong> \u010casto pou\u017e\u00edvaj\u00ed pevnou \u201cturistickou sazbu\u201d po cel\u00fd t\u00fdden, kter\u00e1 je ji\u017e nav\u00fd\u0161ena.<\/li>\n<\/ul>\n\n\n\n<p><strong>P\u0159\u00edklad:<\/strong> V sobotu p\u0159evedete 500 liber na eura pomoc\u00ed slu\u017eby Revolut. S v\u00edkendovou p\u0159ir\u00e1\u017ekou 1% obdr\u017e\u00edte zhruba o 5 a\u017e 6 EUR m\u00e9n\u011b, ne\u017e kdybyste provedli konverzi v \u00fater\u00fd.<\/p>\n\n\n\n<p><strong>Strategie pro minimalizaci v\u00edkendov\u00fdch n\u00e1klad\u016f:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pokud v\u00edte, \u017ee v sobotu a v ned\u011bli budete hodn\u011b utr\u00e1cet, p\u0159edpla\u0165te si skromnou \u010d\u00e1stku b\u011bhem pracovn\u00edch dn\u016f.<\/li>\n\n\n\n<li>Vyhn\u011bte se spekulativn\u00edm velk\u00fdm konverz\u00edm s velk\u00fdm p\u0159edstihem, pokud nerozum\u00edte riziku zm\u011bny kurzu.<\/li>\n\n\n\n<li>P\u0159ed velk\u00fdmi v\u00fdm\u011bnami si ov\u011b\u0159te konkr\u00e9tn\u00ed v\u00edkendov\u00e9 z\u00e1sady aplikace.<\/li>\n<\/ul>\n\n\n\n<p>N\u011bkter\u00e9 digit\u00e1ln\u00ed pen\u011b\u017eenky, jako je Curve, funguj\u00ed jako \u201cmeta-karta\u201d, kter\u00e1 p\u0159en\u00e1\u0161\u00ed kurz va\u0161\u00ed z\u00e1kladn\u00ed banky bez dal\u0161\u00edch v\u00edkendov\u00fdch poplatk\u016f za m\u011bnovou transakci, ale va\u0161e z\u00e1kladn\u00ed karty mohou m\u00edt st\u00e1le sv\u00e1 vlastn\u00ed pravidla.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Apps_for_Money_Conversion_and_Spending_Abroad_in_2025\"><\/span>Nejlep\u0161\u00ed aplikace pro konverzi pen\u011bz a utr\u00e1cen\u00ed v zahrani\u010d\u00ed v roce 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V t\u00e9to \u010d\u00e1sti najdete praktick\u00e9 srovn\u00e1n\u00ed p\u0159edn\u00edch aplikac\u00ed pro spr\u00e1vu pen\u011bz na cest\u00e1ch se zam\u011b\u0159en\u00edm na n\u00e1klady na sm\u011bnu, pravidla pro bankomaty a snadnost pou\u017e\u00edv\u00e1n\u00ed pro b\u011b\u017en\u00e9 cestovatele.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wise\"><\/span>Moudr\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Spole\u010dnost Wise (d\u0159\u00edve TransferWise) si vybudovala svou pov\u011bst na transparentn\u00edch cen\u00e1ch a re\u00e1ln\u00e9m sm\u011bnn\u00e9m kurzu. Aplikace pou\u017e\u00edv\u00e1 st\u0159edn\u00ed tr\u017en\u00ed kurz - stejn\u00fd, kter\u00fd vid\u00edte na Googlu nebo XE - s mal\u00fdm, viditeln\u00fdm poplatkem navrch.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> St\u0159edn\u00ed tr\u017en\u00ed sazba, \u017e\u00e1dn\u00e1 skryt\u00e1 p\u0159ir\u00e1\u017eka<\/li>\n\n\n\n<li><strong>Platby kartou v zahrani\u010d\u00ed:<\/strong> 0% poplatky za zahrani\u010dn\u00ed transakce<\/li>\n\n\n\n<li><strong>V\u00fdb\u011bry z bankomat\u016f:<\/strong> 2 bezplatn\u00e9 v\u00fdb\u011bry m\u011bs\u00ed\u010dn\u011b a\u017e do v\u00fd\u0161e 200 GBP (nebo ekvivalentn\u00ed \u010d\u00e1stky), pot\u00e9 poplatek 1,75%<\/li>\n\n\n\n<li><strong>V\u00edkendov\u00e1 politika:<\/strong> Mal\u00e1 p\u0159ir\u00e1\u017eka u n\u011bkter\u00fdch m\u011bnov\u00fdch p\u00e1r\u016f, ale obecn\u011b ni\u017e\u0161\u00ed ne\u017e u konkurence.<\/li>\n<\/ul>\n\n\n\n<p>Wise je obzvl\u00e1\u0161t\u011b siln\u00fd pro <a href=\"https:\/\/blog.lebara.co.uk\/cs\/how-to-cut-the-cost-of-international-calls-on-a-mobile-phone\/\">mezin\u00e1rodn\u00ed<\/a> p\u0159evody - m\u016f\u017eete m\u00edt z\u016fstatky ve v\u00edce ne\u017e 40 m\u011bn\u00e1ch a p\u0159ij\u00edmat pen\u00edze jako m\u00edstn\u00ed obyvatel\u00e9 v n\u011bkolika zem\u00edch. Karta Wise funguje t\u00e9m\u011b\u0159 v\u0161ude, kde je p\u0159ij\u00edm\u00e1na karta Mastercard.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revolut\"><\/span>Revolut<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Revolut se prezentuje jako finan\u010dn\u00ed \u201csuperaplikace\u201d s v\u00edce ne\u017e 60 miliony z\u00e1kazn\u00edk\u016f po cel\u00e9m sv\u011bt\u011b. Krom\u011b sm\u011bny m\u011bn nab\u00edz\u00ed n\u00e1stroje pro tvorbu rozpo\u010dtu, rozd\u011blen\u00ed \u00fa\u010dt\u016f, spo\u0159ic\u00ed trezory a dokonce i obchodov\u00e1n\u00ed s kryptom\u011bnami.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mezibankovn\u00ed sazba ve v\u0161edn\u00ed dny; p\u0159ir\u00e1\u017eka 0,5%-1% o v\u00edkendech.<\/li>\n\n\n\n<li><strong>Platby kartou v zahrani\u010d\u00ed:<\/strong> 0% na bezplatn\u00e9 \u00farovni a\u017e do v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edho limitu (v sou\u010dasn\u00e9 dob\u011b ~1 000 liber), pot\u00e9 0,5%<\/li>\n\n\n\n<li><strong>V\u00fdb\u011bry z bankomat\u016f:<\/strong> Zdarma a\u017e do v\u00fd\u0161e 200 GBP\/m\u011bs\u00edc v bezplatn\u00e9m tarifu, pot\u00e9 poplatek 2%<\/li>\n\n\n\n<li><strong>Spravedliv\u00e9 pou\u017eit\u00ed:<\/strong> Pl\u00e1ny vy\u0161\u0161\u00ed \u00farovn\u011b nab\u00edzej\u00ed v\u011bt\u0161\u00ed bezplatn\u00e9 p\u0159\u00edsp\u011bvky<\/li>\n<\/ul>\n\n\n\n<p>Revolut vyhovuje cestovatel\u016fm, kte\u0159\u00ed cht\u011bj\u00ed m\u00edt v\u011bt\u0161\u00ed kontrolu nad sv\u00fdmi financemi, a to d\u00edky funkc\u00edm, jako je okam\u017eit\u00e1 anal\u00fdza v\u00fddaj\u016f. Jen si dejte pozor na v\u00edkendovou p\u0159ir\u00e1\u017eku a m\u011bs\u00ed\u010dn\u00ed limity na bezplatn\u00e9 \u00farovni.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monzo_UK\"><\/span>Monzo (Velk\u00e1 Brit\u00e1nie)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Monzo je britsk\u00e1 digit\u00e1ln\u00ed banka s v\u00fdraznou kor\u00e1lovou kartou a pov\u011bst\u00ed jednoduch\u00e9 banky. Je obl\u00edben\u00e1 zejm\u00e9na mezi mlad\u00fdmi cestovateli.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Sm\u011bnn\u00fd kurz Mastercard bez dodate\u010dn\u00e9 p\u0159ir\u00e1\u017eky<\/li>\n\n\n\n<li><strong>Platby kartou v zahrani\u010d\u00ed:<\/strong> 0% poplatky za zahrani\u010dn\u00ed transakce<\/li>\n\n\n\n<li><strong>V\u00fdb\u011bry z bankomat\u016f:<\/strong> Zdarma a\u017e 400 liber ka\u017ed\u00fdch 30 dn\u00ed v zahrani\u010d\u00ed, pak 3%<\/li>\n\n\n\n<li><strong>V\u00edkendov\u00e1 politika:<\/strong> \u017d\u00e1dn\u00e1 dodate\u010dn\u00e1 v\u00edkendov\u00e1 p\u0159ir\u00e1\u017eka<\/li>\n<\/ul>\n\n\n\n<p>Pro cestuj\u00edc\u00ed ve Velk\u00e9 Brit\u00e1nii, kte\u0159\u00ed cht\u011bj\u00ed jednoduch\u00e9 platby kartou bez poplatk\u016f a rozumn\u00fd p\u0159\u00edstup k bankomat\u016fm, je Monzo v\u00fdhodnou volbou.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Starling_UK\"><\/span>Starling (Velk\u00e1 Brit\u00e1nie)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Starling je dal\u0161\u00ed britsk\u00e1 digit\u00e1ln\u00ed banka, kter\u00e1 nab\u00edz\u00ed skute\u010dn\u011b bezpoplatkov\u00e9 zahrani\u010dn\u00ed v\u00fddaje. \u010casto je pova\u017eov\u00e1na za hlavn\u00edho konkurenta Monzo.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Sm\u011bnn\u00fd kurz Mastercard, bez p\u0159ir\u00e1\u017eky<\/li>\n\n\n\n<li><strong>Platby kartou v zahrani\u010d\u00ed:<\/strong> 0% poplatky za zahrani\u010dn\u00ed transakce<\/li>\n\n\n\n<li><strong>V\u00fdb\u011bry z bankomat\u016f:<\/strong> \u017d\u00e1dn\u00e9 poplatky Starling za v\u00fdb\u011bry (mohou b\u00fdt \u00fa\u010dtov\u00e1ny poplatky m\u00edstn\u00edho oper\u00e1tora)<\/li>\n\n\n\n<li><strong>V\u00edkendov\u00e1 politika:<\/strong> \u017d\u00e1dn\u00e1 dodate\u010dn\u00e1 v\u00edkendov\u00e1 p\u0159ir\u00e1\u017eka<\/li>\n<\/ul>\n\n\n\n<p><strong>P\u0159\u00edklad:<\/strong> Platba 100 \u20ac v restauraci ve \u0160pan\u011blsku pomoc\u00ed karty Starling v\u00e1s vyjde p\u0159esn\u011b na ekvivalent kurzu Mastercard v GBP - v sou\u010dasnosti je to p\u0159ibli\u017en\u011b 86 GBP. Stejn\u00e1 platba b\u011b\u017enou britskou debetn\u00ed kartou s \u00farokem 2,99% by v\u00e1s st\u00e1la zhruba 88,50 GBP. To je \u00faspora 2,50 GBP za jedno j\u00eddlo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Curve\"><\/span>K\u0159ivka<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Curve funguje jinak - je to \u201cmeta-karta\u201d, kter\u00e1 se umis\u0165uje na va\u0161e st\u00e1vaj\u00edc\u00ed debetn\u00ed nebo kreditn\u00ed karty. Sv\u00e9 st\u00e1vaj\u00edc\u00ed karty propoj\u00edte s aplikac\u00ed Curve a pak ji pou\u017e\u00edv\u00e1te v zahrani\u010d\u00ed. Pou\u017eije vlastn\u00ed kurz a umo\u017en\u00ed v\u00e1m <a href=\"https:\/\/blog.lebara.co.uk\/cs\/6-reasons-to-switch-to-lebara-in-2023\/\">p\u0159ep\u00edna\u010d<\/a> kter\u00e1 podkladov\u00e1 karta je zat\u00ed\u017eena i po transakci.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Mezibankovn\u00ed sazba do 500 GBP\/m\u011bs\u00edc na bezplatn\u00e9 \u00farovni, pak 2%<\/li>\n\n\n\n<li><strong>Platby kartou v zahrani\u010d\u00ed:<\/strong> Pou\u017e\u00edv\u00e1 sazbu k\u0159ivky, nikoli z\u00e1kladn\u00ed karty.<\/li>\n\n\n\n<li><strong>V\u00fdb\u011bry z bankomat\u016f:<\/strong> Zdarma a\u017e do v\u00fd\u0161e 200 GBP\/m\u011bs\u00edc, pak 2%<\/li>\n\n\n\n<li><strong>V\u00edkendov\u00e1 politika:<\/strong> \u017d\u00e1dn\u00e1 dodate\u010dn\u00e1 p\u0159ir\u00e1\u017eka (pou\u017e\u00edv\u00e1 se sazba za zav\u00edrac\u00ed den v t\u00fddnu)<\/li>\n<\/ul>\n\n\n\n<p>K\u0159ivka je u\u017eite\u010dn\u00e1 pro z\u00edsk\u00e1v\u00e1n\u00ed odm\u011bn na z\u00e1kladn\u00ed kart\u011b a z\u00e1rove\u0148 se vyhnete \u0161patn\u00e9mu m\u011bnov\u00e9mu kurzu t\u00e9to karty v zahrani\u010d\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"N26_EU\"><\/span>N26 (EU)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>N26 je n\u011bmeck\u00e1 digit\u00e1ln\u00ed banka dostupn\u00e1 v cel\u00e9 EU. Je obl\u00edben\u00e1 zejm\u00e9na mezi Evropany a cizinci \u017eij\u00edc\u00edmi v zem\u00edch euroz\u00f3ny.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Sazba Mastercard bez dodate\u010dn\u00e9 p\u0159ir\u00e1\u017eky<\/li>\n\n\n\n<li><strong>Platby kartou v zahrani\u010d\u00ed:<\/strong> 0% v euroz\u00f3n\u011b; 0% mimo ni u tarif\u016f Smart\/You, 1,7% u bezplatn\u00e9 \u00farovn\u011b.<\/li>\n\n\n\n<li><strong>V\u00fdb\u011bry z bankomat\u016f:<\/strong> 3 m\u011bs\u00ed\u010dn\u011b zdarma v euroz\u00f3n\u011b (bezplatn\u00e1 \u00farove\u0148), mimo ni r\u016fzn\u011b.<\/li>\n\n\n\n<li><strong>V\u00edkendov\u00e1 politika:<\/strong> \u017d\u00e1dn\u00e1 dodate\u010dn\u00e1 v\u00edkendov\u00e1 p\u0159ir\u00e1\u017eka<\/li>\n<\/ul>\n\n\n\n<p>Cestuj\u00edc\u00edm z EU nab\u00edz\u00ed N26 ni\u017e\u0161\u00ed poplatky ne\u017e tradi\u010dn\u00ed banky na cel\u00e9m kontinentu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chase_UK\"><\/span>Chase UK<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Chase zah\u00e1jila svou \u010dinnost ve Spojen\u00e9m kr\u00e1lovstv\u00ed v roce 2021 a rychle si z\u00edskala oblibu d\u00edky kombinaci 1% cashback a zahrani\u010dn\u00edch v\u00fddaj\u016f bez poplatk\u016f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FX:<\/strong> Sazba Mastercard, bez dal\u0161\u00ed p\u0159ir\u00e1\u017eky<\/li>\n\n\n\n<li><strong>Platby kartou v zahrani\u010d\u00ed:<\/strong> 0% poplatky za zahrani\u010dn\u00ed transakce<\/li>\n\n\n\n<li><strong>V\u00fdb\u011bry z bankomat\u016f:<\/strong> \u017d\u00e1dn\u00fd poplatek za pron\u00e1jem (mohou b\u00fdt \u00fa\u010dtov\u00e1ny m\u00edstn\u00ed poplatky provozovateli)<\/li>\n\n\n\n<li><strong>Vr\u00e1cen\u00ed pen\u011bz:<\/strong> 1% na v\u0161echny v\u00fddaje za prvn\u00edch 12 m\u011bs\u00edc\u016f<\/li>\n<\/ul>\n\n\n\n<p>Pro obyvatele Spojen\u00e9ho kr\u00e1lovstv\u00ed nab\u00edz\u00ed Chase UK vz\u00e1cnou kombinaci vr\u00e1cen\u00ed pen\u011bz a pou\u017eit\u00ed v zahrani\u010d\u00ed bez poplatk\u016f, co\u017e je vynikaj\u00edc\u00ed pro ka\u017edodenn\u00ed bankovnictv\u00ed i cestov\u00e1n\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Choose\"><\/span>Jak si vybrat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Up\u0159ednostnit platby kartou bez poplatk\u016f?<\/strong> Monzo, Starling nebo Chase UK<\/li>\n\n\n\n<li><strong>Pot\u0159ebujete siln\u00e9 p\u0159\u00eddavky na bankomaty?<\/strong> Wise nebo Starling<\/li>\n\n\n\n<li><strong>Chcete dr\u017eet a p\u0159ev\u00e1d\u011bt pen\u00edze ve v\u00edce m\u011bn\u00e1ch?<\/strong> Wise nebo Revolut<\/li>\n\n\n\n<li><strong>S\u00eddl\u00edte v EU?<\/strong> N26 nebo Revolut<\/li>\n\n\n\n<li><strong>Chcete vrstvit na st\u00e1vaj\u00edc\u00ed karty?<\/strong> K\u0159ivka<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Avoid_Cash_Machine_ATM_Charges_Abroad\"><\/span>Jak se vyhnout poplatk\u016fm za v\u00fdb\u011br z bankomatu v zahrani\u010d\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mnoho cestovatel\u016f p\u0159epl\u00e1c\u00ed u bankomat\u016f. Kombinace bankovn\u00edch poplatk\u016f, p\u0159\u00edplatk\u016f za v\u00fdb\u011br z bankomatu a DCC m\u016f\u017ee z oby\u010dejn\u00e9ho v\u00fdb\u011bru hotovosti ud\u011blat drahou chybu. D\u00edky chytr\u00e9 kart\u011b a n\u011bkolika pravidl\u016fm m\u016f\u017eete tyto n\u00e1klady v\u00fdrazn\u011b sn\u00ed\u017eit.<\/p>\n\n\n\n<p><strong>B\u011b\u017en\u00e9 poplatky za v\u00fdb\u011br z bankomatu, se kter\u00fdmi se setk\u00e1te:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Typ poplatku<\/th><th>Typick\u00e1 \u010d\u00e1stka<\/th><th>Kdo ji \u00fa\u010dtuje<\/th><\/tr><tr><td>Poplatek za v\u00fdb\u011br va\u0161\u00ed banky\/aplikace<\/td><td>0%-3% nebo pau\u0161\u00e1ln\u00ed poplatek<\/td><td>V\u00e1\u0161 poskytovatel karet<\/td><\/tr><tr><td>P\u0159\u00edplatek provozovatele m\u00edstn\u00edho bankomatu<\/td><td>\u20ac2-\u20ac6 \/ $3-$7<\/td><td>Majitel bankomatu<\/td><\/tr><tr><td>FX p\u0159ir\u00e1\u017eka<\/td><td>1%-3%<\/td><td>V\u00e1\u0161 poskytovatel karet<\/td><\/tr><tr><td>Dynamick\u00fd p\u0159evod m\u011bn<\/td><td>5%-8%<\/td><td>Obsluha bankomatu<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Jak minimalizovat n\u00e1klady na bankomaty:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pou\u017e\u00edv\u00e1n\u00ed karet s bezplatn\u00fdmi povolenkami do bankomatu<\/strong> - Wise, Revolut, Monzo, Starling a N26 nab\u00edzej\u00ed m\u011bs\u00ed\u010dn\u00ed limity pro bezplatn\u00e9 v\u00fdb\u011bry v zahrani\u010d\u00ed.<\/li>\n\n\n\n<li><strong>Vyberte si bankomaty velk\u00fdch bank<\/strong> - Vyhn\u011bte se nez\u00e1visl\u00fdm bankomat\u016fm, jako jsou Euronet, Travelex nebo Cardtronics. Ty \u010dasto \u00fa\u010dtuj\u00ed vy\u0161\u0161\u00ed poplatky a agresivn\u011b prosazuj\u00ed DCC. Bankomaty pod zna\u010dkou banky uvnit\u0159 skute\u010dn\u00fdch bankovn\u00edch pobo\u010dek maj\u00ed obvykle ni\u017e\u0161\u00ed n\u00e1klady nebo jsou bez p\u0159\u00edplatku.<\/li>\n\n\n\n<li><strong>V\u017edy si vyberte m\u00edstn\u00ed m\u011bnu<\/strong> - Kdy\u017e se na obrazovce zobraz\u00ed dotaz \u201cVybrat v GBP?\u201d nebo \u201cP\u0159ev\u00e9st na dom\u00e1c\u00ed m\u011bnu?\u201d, odm\u00edtn\u011bte. T\u00edm se zcela vyhnete p\u0159ir\u00e1\u017ece DCC<\/li>\n\n\n\n<li><strong>V\u00fdb\u011br v\u011bt\u0161\u00edch \u010d\u00e1stek m\u00e9n\u011b \u010dasto<\/strong> - Pokud se na ka\u017ed\u00fd v\u00fdb\u011br vztahuje pevn\u00fd poplatek 3 \u20ac, je lep\u0161\u00ed vybrat 300 \u20ac jednou ne\u017e 100 \u20ac t\u0159ikr\u00e1t. Zva\u017ete to s ohledem na bezpe\u010dnost a sv\u016fj rozpo\u010det<\/li>\n<\/ol>\n\n\n\n<p>V n\u011bkter\u00fdch destinac\u00edch - Thajsku, n\u011bkter\u00fdch \u010d\u00e1stech USA a Ji\u017en\u00ed Ameriky - se p\u0159\u00edplatk\u016fm za leti\u0161tn\u00ed taxy t\u00e9m\u011b\u0159 nelze vyhnout. M\u00edstn\u00ed automaty si b\u011b\u017en\u011b \u00fa\u010dtuj\u00ed 200-250 baht\u016f (zhruba 5-6 liber) nebo $3-5 bez ohledu na va\u0161i kartu. Nejlep\u0161\u00ed, co m\u016f\u017eete ud\u011blat, je vyhnout se dal\u0161\u00edm bankovn\u00edm poplatk\u016fm a poplatk\u016fm DCC navrch pou\u017eit\u00edm cestovn\u00ed karty s n\u00edzk\u00fdmi poplatky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Practices_for_Using_ATMs_Abroad_in_2025\"><\/span>Osv\u011bd\u010den\u00e9 postupy pro pou\u017e\u00edv\u00e1n\u00ed bankomat\u016f v zahrani\u010d\u00ed v roce 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Zde je praktick\u00fd kontroln\u00ed seznam p\u0159ed cestou a na m\u00edst\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Before_Departure\"><\/span>P\u0159ed odjezdem<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kontrola denn\u00edch a m\u011bs\u00ed\u010dn\u00edch limit\u016f v bankomatech<\/strong> - v p\u0159\u00edpad\u011b pot\u0159eby je m\u016f\u017eete do\u010dasn\u011b zv\u00fd\u0161it prost\u0159ednictv\u00edm sv\u00e9 aplikace.<\/li>\n\n\n\n<li><strong>Nastaven\u00ed siln\u00e9ho ov\u011b\u0159ov\u00e1n\u00ed<\/strong> - biometrick\u00e9 p\u0159ihl\u00e1\u0161en\u00ed, ochrana PIN a upozorn\u011bn\u00ed na \u017eiv\u00e9 v\u00fddaje.<\/li>\n\n\n\n<li><strong>Vezm\u011bte si alespo\u0148 dv\u011b r\u016fzn\u00e9 karty<\/strong> - nap\u0159. Wise a debetn\u00ed kartu k dom\u00e1c\u00edmu bankovn\u00edmu \u00fa\u010dtu, pokud je n\u011bjak\u00e1 z nich <a href=\"https:\/\/blog.lebara.co.uk\/cs\/lost-your-smartphone-heres-how-to-track-and-retrieve-it-safely\/\">ztracen\u00e9<\/a>, <a href=\"https:\/\/blog.lebara.co.uk\/cs\/what-to-do-if-your-phone-is-stolen\/\">ukraden\u00e9<\/a>, nebo zablokovan\u00e9<\/li>\n\n\n\n<li><strong>Zn\u00e1t strukturu poplatk\u016f na kart\u011b<\/strong> - kolik p\u0159esn\u011b m\u00e1te k dispozici bezplatn\u00fdch v\u00fdb\u011br\u016f z bankomatu a jak\u00e9 poplatky se na v\u00e1s vztahuj\u00ed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"At_the_ATM\"><\/span>U bankomatu<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vyberte si automaty uvnit\u0159 pobo\u010dek velk\u00fdch bank nebo v jejich bl\u00edzkosti<\/strong> v pracovn\u00ed dob\u011b, pokud je to mo\u017en\u00e9 - jsou bezpe\u010dn\u011bj\u0161\u00ed a obvykle maj\u00ed ni\u017e\u0161\u00ed poplatky.<\/li>\n\n\n\n<li><strong>Odm\u00edtnout nab\u00eddku na obrazovce na \u00fa\u010dtov\u00e1n\u00ed v dom\u00e1c\u00ed m\u011bn\u011b<\/strong> - toto je DCC a v\u017edy stoj\u00ed v\u00edce.<\/li>\n\n\n\n<li><strong>Pe\u010dliv\u011b si p\u0159e\u010dt\u011bte zpr\u00e1vu o p\u0159\u00edplatku<\/strong> - pokud se v\u00e1m poplatek zd\u00e1 p\u0159\u00edli\u0161 vysok\u00fd, zru\u0161te ho a zkuste jin\u00fd bankomat v okol\u00ed.<\/li>\n\n\n\n<li><strong>Zakryjte sv\u016fj k\u00f3d PIN<\/strong> - skimming karet st\u00e1le existuje, a to i u legitimn\u00edch automat\u016f.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgeting_Your_Cash_Needs\"><\/span>Rozpo\u010d\u00edt\u00e1v\u00e1n\u00ed pen\u011b\u017en\u00edch pot\u0159eb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pl\u00e1nov\u00e1n\u00ed hrub\u00fdch po\u017eadavk\u016f na hotovost<\/strong> p\u0159edem, zejm\u00e9na pro zem\u011b s vysokou hotovost\u00ed, jako je Japonsko, Vietnam nebo n\u011bkter\u00e9 \u010d\u00e1sti ji\u017en\u00ed Evropy.<\/li>\n\n\n\n<li><strong>Preferuj\u00ed platby kartou za vy\u0161\u0161\u00ed \u010d\u00e1stky<\/strong> kde va\u0161e cestovn\u00ed karta nab\u00edz\u00ed 0% FX<\/li>\n\n\n\n<li><strong>M\u011bjte malou nouzovou hotovost<\/strong> v hlavn\u00ed m\u011bn\u011b (USD nebo EUR) jako z\u00e1lohu, ale spol\u00e9hat se p\u0159edev\u0161\u00edm na aplikace s n\u00edzk\u00fdmi poplatky.<\/li>\n<\/ul>\n\n\n\n<p>Pokud se v\u00e1m n\u011bco zd\u00e1 podez\u0159el\u00e9, pou\u017eijte funkci okam\u017eit\u00e9ho zmrazen\u00ed\/odmrazen\u00ed v aplikaci - n\u011bkolika klepnut\u00edmi m\u016f\u017eete kartu okam\u017eit\u011b zablokovat, ne\u017e ji prozkoum\u00e1te.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Travel_Wallets_and_Multi-Currency_Cards_Compare\"><\/span>Porovn\u00e1n\u00ed cestovn\u00edch pen\u011b\u017eenek a multim\u011bnov\u00fdch karet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cCestovn\u00ed karty\u201d jsou nyn\u00ed k dispozici od jednoduch\u00fdch p\u0159edplacen\u00fdch karet a\u017e po plnohodnotn\u00e9 pen\u011b\u017eenky pro v\u00edce m\u011bn s \u00fadaji o m\u00edstn\u00edm bankovn\u00edm \u00fa\u010dtu. Pochopen\u00ed rozd\u00edl\u016f v\u00e1m pom\u016f\u017ee vybrat ten spr\u00e1vn\u00fd n\u00e1stroj.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Main_Types\"><\/span>Hlavn\u00ed typy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Typ<\/th><th>P\u0159\u00edklady<\/th><th>Nejlep\u0161\u00ed pro<\/th><\/tr><tr><td><strong>Debetn\u00ed karty ve v\u00edce m\u011bn\u00e1ch<\/strong><\/td><td>Wise, Revolut, N26, Monzo, Starling<\/td><td>Flexibiln\u00ed v\u00fddaje a dr\u017een\u00ed v\u00edce m\u011bn<\/td><\/tr><tr><td><strong>P\u0159edplacen\u00e9 cestovn\u00ed karty<\/strong><\/td><td>Caxton, po\u0161ta, karty leteck\u00fdch spole\u010dnost\u00ed a supermarket\u016f<\/td><td>P\u0159\u00edsn\u00e9 sestavov\u00e1n\u00ed rozpo\u010dtu, uzam\u010den\u00ed sazeb<\/td><\/tr><tr><td><strong>P\u0159ekryvy digit\u00e1ln\u00ed pen\u011b\u017eenky<\/strong><\/td><td>K\u0159ivka, <a href=\"https:\/\/blog.lebara.co.uk\/cs\/a-guide-to-the-top-iphones-for-business-and-pleasure\/\">Apple<\/a> Platit, Google Pay<\/td><td>Vrstven\u00ed na st\u00e1vaj\u00edc\u00ed karty<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Multi-Currency_Wallets\"><\/span>Pen\u011b\u017eenky pro v\u00edce m\u011bn<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ty umo\u017e\u0148uj\u00ed dr\u017eet z\u016fstatky na \u00fa\u010dtech ve v\u00edce ciz\u00edch m\u011bn\u00e1ch - EUR, USD, AUD a dal\u0161\u00edch. Pen\u00edze m\u016f\u017eete p\u0159ev\u00e9st, kdy\u017e se v\u00e1m zd\u00e1, \u017ee je kurz p\u0159\u00edzniv\u00fd, a pozd\u011bji z tohoto z\u016fstatku utr\u00e1cet bez dal\u0161\u00edch devizov\u00fdch poplatk\u016f.<\/p>\n\n\n\n<p><strong>Siln\u00e9 str\u00e1nky:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>St\u0159edn\u00ed nebo t\u00e9m\u011b\u0159 st\u0159edn\u00ed tr\u017en\u00ed sm\u011bnn\u00e9 kurzy<\/li>\n\n\n\n<li>Jednoduch\u00e9 p\u0159ep\u00edn\u00e1n\u00ed mezi m\u011bnami v aplikaci<\/li>\n\n\n\n<li>\u010casto obsahuj\u00ed \u00fadaje o m\u00edstn\u00edm bankovn\u00edm \u00fa\u010dtu pro p\u0159\u00edjem bankovn\u00edch p\u0159evod\u016f. <a href=\"https:\/\/blog.lebara.co.uk\/cs\/how-to-transfer-apps-to-a-new-phone\/\">p\u0159enos<\/a> platby<\/li>\n\n\n\n<li>Ni\u017e\u0161\u00ed poplatky za mezin\u00e1rodn\u00ed p\u0159evody ne\u017e u tradi\u010dn\u00edch bank<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prepaid_Travel_Cards\"><\/span>P\u0159edplacen\u00e9 cestovn\u00ed karty<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>P\u0159edplacen\u00e9 karty na po\u0161t\u011b, v supermarketech nebo u specializovan\u00fdch poskytovatel\u016f v\u00e1m umo\u017en\u00ed nab\u00edt si pen\u00edze p\u0159ed cestou, \u010dasto s fixn\u00edm kurzem.<\/p>\n\n\n\n<p><strong>Siln\u00e9 str\u00e1nky:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dobr\u00e9 pro p\u0159\u00edsn\u00fd rozpo\u010det - m\u016f\u017eete utratit jen to, co jste si na\u010detli.<\/li>\n\n\n\n<li>N\u011bkter\u00e9 nab\u00edzej\u00ed ochranu sazeb, pokud si zbo\u017e\u00ed na\u010dtete p\u0159edem<\/li>\n\n\n\n<li>U\u017eite\u010dn\u00e1 z\u00e1lo\u017en\u00ed karta<\/li>\n<\/ul>\n\n\n\n<p><strong>Slab\u00e9 str\u00e1nky:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u016f\u017ee m\u00edt poplatky za dob\u00edjen\u00ed, neaktivitu nebo n\u00edzk\u00e9 sm\u011bnn\u00e9 kurzy ve srovn\u00e1n\u00ed s Wise\/Revolut.<\/li>\n\n\n\n<li>Men\u0161\u00ed flexibilita ne\u017e u alternativn\u00edch aplikac\u00ed<\/li>\n\n\n\n<li>\u010casto chyb\u011bj\u00edc\u00ed online nakupov\u00e1n\u00ed a integrace digit\u00e1ln\u00ed pen\u011b\u017eenky<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Wallets\"><\/span>Digit\u00e1ln\u00ed pen\u011b\u017eenky<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Apple Pay a Google Pay umo\u017e\u0148uj\u00ed pou\u017e\u00edvat karty Wise, Revolut nebo bankovn\u00ed karty prost\u0159ednictv\u00edm telefonu nebo hodinek. Curve funguje jako prost\u0159edn\u00edk - klepnete na kartu Curve (fyzickou nebo p\u0159es Apple Pay\/Google Pay) a Curve nabije vybranou podkladovou kartu.<\/p>\n\n\n\n<p>Pro v\u011bt\u0161inu cestovatel\u016f v roce 2025 je nejflexibiln\u011bj\u0161\u00ed a cenov\u011b nejv\u00fdhodn\u011bj\u0161\u00ed mo\u017enost\u00ed debetn\u00ed karta pro v\u00edce m\u011bn nebo banka zalo\u017een\u00e1 na aplikaci s 0% FX na \u00fatratu a omezen\u00fdm bezplatn\u00fdm pou\u017eit\u00edm bankomatu. P\u0159edplacen\u00e9 karty funguj\u00ed jako z\u00e1loha pro ty, kte\u0159\u00ed cht\u011bj\u00ed m\u00edt v\u011bt\u0161\u00ed kontrolu nad pevn\u00fdm rozpo\u010dtem na dovolenou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Example_Setups_for_Different_Traveller_Types\"><\/span>P\u0159\u00edklady nastaven\u00ed pro r\u016fzn\u00e9 typy cestovatel\u016f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Zde se dozv\u00edte, jak kombinovat aplikace a karty, abyste minimalizovali poplatky v r\u016fzn\u00fdch cestovn\u00edch situac\u00edch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UK_City-Break_Traveller_4_Days_in_Europe\"><\/span>Cestovatel po m\u011bstech ve Velk\u00e9 Brit\u00e1nii: 4 dny v Evrop\u011b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Nastaven\u00ed:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hlavn\u00ed karta:<\/strong> Monzo nebo Starling pro ka\u017edodenn\u00ed platby (0% FX)<\/li>\n\n\n\n<li><strong>Z\u00e1lohov\u00e1n\u00ed:<\/strong> Moudr\u00e1 karta pro v\u00fdb\u011bry z bankomat\u016f a\u017e do v\u00fd\u0161e bezplatn\u00e9ho limitu<\/li>\n\n\n\n<li><strong>Pohotovost:<\/strong> dom\u00e1c\u00ed bankovn\u00ed debetn\u00ed nebo kreditn\u00ed karta (ulo\u017een\u00e1 v hotelov\u00e9m trezoru).<\/li>\n<\/ul>\n\n\n\n<p><strong>Odhadovan\u00e9 \u00faspory:<\/strong> P\u0159i \u00fatrat\u011b 800 liber na dovolen\u00e9 u tradi\u010dn\u00ed britsk\u00e9 banky, kter\u00e1 si \u00fa\u010dtuje 2,99% FX, zaplat\u00edte na poplatc\u00edch zhruba 24 liber. U Monzo\/Starling zaplat\u00edte 0 liber - u\u0161et\u0159\u00edte tak dost na dobrou ve\u010de\u0159i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Nomad_3_Months_in_Europe_and_Asia\"><\/span>Digit\u00e1ln\u00ed nom\u00e1d: 3 m\u011bs\u00edce v Evrop\u011b a Asii<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Nastaven\u00ed:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hlavn\u00ed \u00fa\u010det:<\/strong> Wise nebo Revolut pro p\u0159\u00edjem mzdy ve v\u00edce m\u011bn\u00e1ch a spr\u00e1vu pen\u011b\u017eenek s v\u00edce m\u011bnami<\/li>\n\n\n\n<li><strong>Sekund\u00e1rn\u00ed:<\/strong> M\u00edstn\u00ed bankovn\u00ed \u00fa\u010det, pokud je k dispozici (u\u017eite\u010dn\u00e9 pro opakovan\u00e9 m\u00edstn\u00ed platby).<\/li>\n\n\n\n<li><strong>Strategie bankomat\u016f:<\/strong> Vyb\u00edrejte v\u011bt\u0161\u00ed \u010d\u00e1stky m\u00e9n\u011b \u010dasto, pou\u017e\u00edvejte pouze velk\u00e9 banky, v\u017edy odm\u00edtn\u011bte DCC.<\/li>\n<\/ul>\n\n\n\n<p><strong>Odhadovan\u00e9 ro\u010dn\u00ed \u00faspory:<\/strong> Ko\u010dovn\u00edk, kter\u00fd utrat\u00ed v zahrani\u010d\u00ed 2 000 liber m\u011bs\u00ed\u010dn\u011b se standardn\u00ed bankovn\u00ed kartou (2,99% FX + poplatky za bankomat), m\u016f\u017ee ro\u010dn\u011b zaplatit v\u00edce ne\u017e 800 liber na skryt\u00fdch poplatc\u00edch. Se syst\u00e9mem Wise\/Revolut a chytr\u00fdmi n\u00e1vyky v oblasti bankomat\u016f tato \u010d\u00e1stka klesne na m\u00e9n\u011b ne\u017e 100 liber.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US-Based_Parent_Supporting_a_Student_Abroad\"><\/span>Rodi\u010d z USA: podpora studenta v zahrani\u010d\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Nastaven\u00ed:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zp\u016fsob p\u0159enosu:<\/strong> Moudr\u00e9 pro p\u0159evody pen\u011bz z USD na EUR nebo GBP (v\u00fdhodn\u011bj\u0161\u00ed sm\u011bnn\u00e9 kurzy ne\u017e bankovn\u00ed p\u0159evod)<\/li>\n\n\n\n<li><strong>Student obdr\u017e\u00ed:<\/strong> Pen\u011b\u017eenka pro v\u00edce m\u011bn s Wise nebo Revolut<\/li>\n\n\n\n<li><strong>V\u00fddaje student\u016f:<\/strong> P\u0159idru\u017een\u00e1 debetn\u00ed nebo kreditn\u00ed karta v zahrani\u010d\u00ed s 0% FX a kontrolovan\u00fdmi limity pro v\u00fdb\u011br z bankomatu<\/li>\n<\/ul>\n\n\n\n<p><strong>Odhadovan\u00e9 \u00faspory:<\/strong> Pos\u00edl\u00e1n\u00ed $500 m\u011bs\u00ed\u010dn\u011b tradi\u010dn\u00edm bankovn\u00edm p\u0159evodem s n\u00edzk\u00fdmi m\u011bnov\u00fdmi kurzy m\u016f\u017ee st\u00e1t $30-40 m\u011bs\u00ed\u010dn\u011b v kombinovan\u00fdch poplatc\u00edch. Spole\u010dnost Wise si za stejn\u00fd p\u0159evod obvykle \u00fa\u010dtuje $5-10, \u010d\u00edm\u017e u\u0161et\u0159\u00ed $200-300 ro\u010dn\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Tips_for_Smarter_Overseas_Spending_and_Cash_Access\"><\/span>Posledn\u00ed tipy pro chyt\u0159ej\u0161\u00ed v\u00fddaje v zahrani\u010d\u00ed a p\u0159\u00edstup k hotovosti<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>T\u0159i kl\u00ed\u010dov\u00e9 p\u00e1ky kontroluj\u00ed va\u0161e zahrani\u010dn\u00ed n\u00e1klady:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>V\u00fdb\u011br spr\u00e1vn\u00e9 aplikace<\/strong> - 0% poplatky za zahrani\u010dn\u00ed transakce, st\u0159edn\u00ed tr\u017en\u00ed sazby, bezplatn\u00e9 p\u0159\u00eddavky na bankomaty<\/li>\n\n\n\n<li><strong>V\u017edy pla\u0165te v m\u00edstn\u00ed m\u011bn\u011b<\/strong> - nikdy nep\u0159ij\u00edmat DCC v bankomatech nebo kartov\u00fdch automatech.<\/li>\n\n\n\n<li><strong>Minimalizace interakce bankomatu se \u0161patn\u00fdmi automaty<\/strong> - vyhn\u011bte se nez\u00e1visl\u00fdm provozovatel\u016fm, dr\u017ete se pobo\u010dek bank<\/li>\n<\/ol>\n\n\n\n<p>P\u0159ed ka\u017edou zahrani\u010dn\u00ed cestou si zkontrolujte sazebn\u00edk poplatk\u016f poskytovatele 2025. Poplatky za sm\u011bnu, limity bezplatn\u00fdch bankomat\u016f a v\u00edkendov\u00e9 p\u0159ir\u00e1\u017eky se mohou ka\u017edoro\u010dn\u011b nebo podle \u00farovn\u011b tarifu m\u011bnit. To, co fungovalo loni, nemus\u00ed platit letos.<\/p>\n\n\n\n<p>P\u0159ed cestou prove\u010fte \u201ctestovac\u00ed\u201d malou transakci - nap\u0159\u00edklad n\u00e1kup v online obchod\u011b v ciz\u00ed m\u011bn\u011b - a ov\u011b\u0159te si, jak se poplatky zobraz\u00ed ve v\u00fdpisu z aplikace. Lep\u0161\u00ed je zjistit p\u0159ekvapiv\u00fd poplatek, kdy\u017e sed\u00edte doma, ne\u017e v restauraci v \u0158\u00edm\u011b.<\/p>\n\n\n\n<p>Nejrobustn\u011bj\u0161\u00ed nastaven\u00ed pro mnoho zem\u00ed kombinuje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kreditn\u00ed karta bez poplatk\u016f pro velk\u00e9 n\u00e1kupy s ochranou n\u00e1kupu (letenky, hotely).<\/li>\n\n\n\n<li>Debetn\u00ed karta s n\u00edzk\u00fdm poplatkem pro v\u00edce m\u011bn pro ka\u017edodenn\u00ed v\u00fddaje a hotovost.<\/li>\n<\/ul>\n\n\n\n<p>N\u011bkolik minut pl\u00e1nov\u00e1n\u00ed m\u016f\u017ee snadno u\u0161et\u0159it 50 a\u017e 200 liber na b\u011b\u017en\u00e9 t\u00fddenn\u00ed dovolen\u00e9. U \u010dast\u00fdch cestovatel\u016f a digit\u00e1ln\u00edch nom\u00e1d\u016f se ro\u010dn\u00ed \u00faspory pohybuj\u00ed ve stovk\u00e1ch a\u017e tis\u00edc\u00edch liber.<\/p>\n\n\n\n<p>Aplikace existuj\u00ed. Konkuren\u010dn\u00ed sazby existuj\u00ed. Jedinou ot\u00e1zkou je, zda tyto \u00faspory utrat\u00edte za z\u00e1\u017eitky - nebo je odevzd\u00e1te sv\u00e9 bance v podob\u011b b\u011b\u017en\u00fdch n\u00e1strah a poplatk\u016f za konverzi.<\/p>","protected":false},"excerpt":{"rendered":"<p>Travelling abroad should be about new experiences, not watching your holiday budget disappear into bank fees and poor exchange rates. Yet for millions of travellers using traditional banks, that\u2019s exactly what happens\u2014often without them even realising it. The good news? In 2025, a handful of smart apps can slash your overseas spending costs to almost&#8230;<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/cs\/best-apps-for-money-conversions-payments-abroad\/\">P\u0159e\u010dt\u011bte si v\u00edce<\/a><\/div>","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-3699","post","type-post","status-publish","format-standard","hentry","category-apps","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/3699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/comments?post=3699"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/3699\/revisions"}],"predecessor-version":[{"id":3709,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/3699\/revisions\/3709"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/media?parent=3699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/categories?post=3699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/tags?post=3699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}