{"id":15693,"date":"2025-12-16T16:44:33","date_gmt":"2025-12-16T16:44:33","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=15693"},"modified":"2025-12-25T01:30:29","modified_gmt":"2025-12-25T01:30:29","slug":"nemecko-broad-card-ako-poziadat-o-kartu-vanquis","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/sk\/financas\/alemanha-cartao-broad-como-solicitar-vanquis\/","title":{"rendered":"Ako po\u017eiada\u0165 o kartu Sparda-Bank Visa v Nemecku a \u010fal\u0161ie inform\u00e1cie"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"15693\" class=\"elementor elementor-15693\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1368484 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1368484\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f9ddc22 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f9ddc22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1097d6a elementor-widget elementor-widget-html\" data-id=\"1097d6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">Inzer\u00e1ty<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e02f15 elementor-widget elementor-widget-text-editor\" data-id=\"1e02f15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"231\" data-end=\"390\">Ak b\u00fdvate v Nemecku a h\u013ead\u00e1te kreditn\u00fa kartu s osobnou obsluhou, medzin\u00e1rodnou akcept\u00e1ciou a digit\u00e1lnym riaden\u00edm prostredn\u00edctvom aplik\u00e1cie, t\u00e1to <strong data-start=\"244\" data-end=\"269\">Karta Visa od Sparda-Bank<\/strong> m\u00f4\u017ee by\u0165 vynikaj\u00facou vo\u013ebou pre va\u0161e ka\u017edodenn\u00e9 finan\u010dn\u00e9 z\u00e1le\u017eitosti.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f18c1ae e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f18c1ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ca27a8e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ca27a8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-676162d elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"676162d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/sk\/financie\/nemecko-karta-broad-postbank\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"700\" height=\"432\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/postbank-visa-card.jpg\" class=\"attachment-full size-full wp-image-15717\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/postbank-visa-card.jpg 700w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/postbank-visa-card-300x185.jpg 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/postbank-visa-card-18x12.jpg 18w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72a4b3 elementor-widget elementor-widget-text-editor\" data-id=\"b72a4b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center;\" data-start=\"502\" data-end=\"534\">Karta Postbank Visa<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e824ab7 elementor-widget elementor-widget-text-editor\" data-id=\"e824ab7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Bezplatn\u00e9 \u010dlenstvo<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d049dfc elementor-widget elementor-widget-button\" data-id=\"d049dfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/sk\/financie\/nemecko-karta-broad-postbank\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u017dIADOS\u0164<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-825285a elementor-widget elementor-widget-text-editor\" data-id=\"825285a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(Budete presmerovan\u00ed na in\u00fa str\u00e1nku)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91e779b elementor-widget elementor-widget-text-editor\" data-id=\"91e779b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"450\" data-end=\"705\">Sparda-Bank je tradi\u010dn\u00e1 dru\u017estevn\u00e1 banka s v\u00fdrazn\u00fdm region\u00e1lnym zast\u00fapen\u00edm, ktor\u00e1 kladie d\u00f4raz na osobn\u00fd pr\u00edstup k z\u00e1kazn\u00edkom. Karta Visa sp\u00e1ja t\u00fato stabilitu s modern\u00fdmi funkciami, ako je spr\u00e1va prostredn\u00edctvom aplik\u00e1cie, bezkontaktn\u00e9 platby a zv\u00fd\u0161en\u00e1 bezpe\u010dnos\u0165.<\/p><hr data-start=\"707\" data-end=\"710\" \/><h2 data-start=\"712\" data-end=\"774\">Krok za krokom: Ako po\u017eiada\u0165 o kartu Sparda-Bank Visa Card<\/h2><h3 data-start=\"776\" data-end=\"818\">\ud83d\udd39 Vyberte si pobo\u010dku Sparda-Bank vo va\u0161om regi\u00f3ne<\/h3><p data-start=\"819\" data-end=\"1055\">Sparda-Bank p\u00f4sob\u00ed prostredn\u00edctvom region\u00e1lnych dru\u017estiev (napr\u00edklad Sparda-Bank Berlin, Sparda-Bank S\u00fcdwest, Sparda-Bank Hessen a \u010fal\u0161\u00edch).<br data-start=\"955\" data-end=\"958\" \/>Nav\u0161t\u00edvte webov\u00fa str\u00e1nku pobo\u010dky vo va\u0161om regi\u00f3ne a vyh\u013eadajte sekciu <strong data-start=\"1018\" data-end=\"1035\">\u201cKreditn\u00e1 karta\u201d<\/strong> alebo <strong data-start=\"1039\" data-end=\"1054\">\u201cVisa Card\u201d<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a6e6ee elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4a6e6ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/sparda.de\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">PO\u017dIADAJTE O KARTU SPARDA-BANK VISA CARD \ud83d\udc49<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db03684 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"db03684\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3dfcaad e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3dfcaad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf311a6 elementor-widget elementor-widget-text-editor\" data-id=\"bf311a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(Budete presmerovan\u00ed na in\u00fa str\u00e1nku)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef7b01c elementor-widget elementor-widget-text-editor\" data-id=\"ef7b01c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"1149\" data-end=\"1206\">\ud83d\udd39 Otvorte si be\u017en\u00fd \u00fa\u010det (ak e\u0161te nie ste na\u0161im klientom)<\/h3><p data-start=\"1207\" data-end=\"1368\">Kreditn\u00e1 karta sa zvy\u010dajne pon\u00faka len majite\u013eom be\u017en\u00fdch \u00fa\u010dtov. \u00da\u010det si m\u00f4\u017eete otvori\u0165 online alebo osobne v pobo\u010dke Sparda-Bank.<\/p><h3 data-start=\"1370\" data-end=\"1399\">\ud83d\udd39 Po\u017eiadajte o kartu Visa<\/h3><p data-start=\"1400\" data-end=\"1520\">Akon\u00e1hle m\u00e1te akt\u00edvny \u00fa\u010det, po\u017eiadajte o kartu prostredn\u00edctvom internetov\u00e9ho bankovn\u00edctva, mobilnej aplik\u00e1cie alebo priamo u pracovn\u00edka v pobo\u010dke.<\/p><h3 data-start=\"1522\" data-end=\"1581\">\ud83d\udd39 Preve\u010fte overenie toto\u017enosti (Identit\u00e4tspr\u00fcfung)<\/h3><p data-start=\"1582\" data-end=\"1629\">Overenie toto\u017enosti je mo\u017en\u00e9 vykona\u0165:<\/p><ul data-start=\"1630\" data-end=\"1743\"><li data-start=\"1630\" data-end=\"1683\"><p data-start=\"1632\" data-end=\"1683\">osobne v pobo\u010dke Sparda-Bank, alebo<\/p><\/li><li data-start=\"1684\" data-end=\"1743\"><p data-start=\"1686\" data-end=\"1743\">Pre <strong data-start=\"1691\" data-end=\"1704\">PostIdent<\/strong>, na nemeckej po\u0161te (Deutsche Post).<\/p><\/li><\/ul><h3 data-start=\"1745\" data-end=\"1794\">\ud83d\udd39 Po\u010dkajte na pos\u00fadenie \u00faverovej bonity a schv\u00e1lenie<\/h3><p data-start=\"1795\" data-end=\"1942\">Banka vykon\u00e1 finan\u010dn\u00fa anal\u00fdzu, zvy\u010dajne po konzult\u00e1cii s <strong data-start=\"1858\" data-end=\"1868\">SCHUFA<\/strong>. Ak bude \u017eiados\u0165 schv\u00e1len\u00e1, karta bude vydan\u00e1 a zaslan\u00e1 na va\u0161u registrovan\u00fa adresu.<\/p><hr data-start=\"1944\" data-end=\"1947\" \/><h2 data-start=\"1949\" data-end=\"1994\">Dokumenty potrebn\u00e9 na podanie \u017eiadosti<\/h2><ul data-start=\"1996\" data-end=\"2370\"><li data-start=\"1996\" data-end=\"2079\"><p data-start=\"1998\" data-end=\"2079\"><strong data-start=\"1998\" data-end=\"2032\">Platn\u00fd doklad toto\u017enosti<\/strong><br data-start=\"2032\" data-end=\"2035\" \/>Cestovn\u00fd pas (Reisepass) alebo ob\u010diansky preukaz.<\/p><\/li><li data-start=\"2080\" data-end=\"2185\"><p data-start=\"2082\" data-end=\"2185\"><strong data-start=\"2082\" data-end=\"2135\">Doklad o pobyte v Nemecku (Anmeldung)<\/strong><br data-start=\"2135\" data-end=\"2138\" \/>Dokument potrebn\u00fd na otvorenie \u00fa\u010dtu.<\/p><\/li><li data-start=\"2186\" data-end=\"2275\"><p data-start=\"2188\" data-end=\"2275\"><strong data-start=\"2188\" data-end=\"2234\">Da\u0148ov\u00e9 identifika\u010dn\u00e9 \u010d\u00edslo (Steuer-ID)<\/strong><br data-start=\"2234\" data-end=\"2237\" \/>Potrebn\u00e9 pre bankov\u00e9 transakcie.<\/p><\/li><li data-start=\"2276\" data-end=\"2370\"><p data-start=\"2278\" data-end=\"2370\"><strong data-start=\"2278\" data-end=\"2302\">Doklad o pr\u00edjme<\/strong><br data-start=\"2302\" data-end=\"2305\" \/>Ned\u00e1vne v\u00fdplatn\u00e9 p\u00e1sky, pracovn\u00e1 zmluva alebo v\u00fdpisy z bankov\u00e9ho \u00fa\u010dtu.<\/p><\/li><\/ul><p data-start=\"2372\" data-end=\"2470\">Tieto dokumenty je mo\u017en\u00e9 vy\u017eiada\u0165 bu\u010f pri otvoren\u00ed \u00fa\u010dtu, alebo pri \u017eiadosti o kartu.<\/p><hr data-start=\"2472\" data-end=\"2475\" \/><h2 data-start=\"2477\" data-end=\"2520\">Poplatky za kartu Sparda-Bank Visa Card<\/h2><h3 data-start=\"2522\" data-end=\"2534\">Anuita<\/h3><p data-start=\"2535\" data-end=\"2734\">Ro\u010dn\u00e1 sadzba sa zvy\u010dajne pohybuje v rozmedz\u00ed <strong data-start=\"2569\" data-end=\"2582\">20 \u20ac a 30 \u20ac<\/strong>, v z\u00e1vislosti od region\u00e1lneho dru\u017estva a bal\u00edka slu\u017eieb. V niektor\u00fdch pr\u00edpadoch m\u00f4\u017ee by\u0165 ro\u010dn\u00fd poplatok v prvom roku bezplatn\u00fd alebo pri pravidelnom vyu\u017e\u00edvan\u00ed odpusten\u00fd.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1074f79 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1074f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/sparda.de\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">PO\u017dIADAJTE O KARTU SPARDA-BANK VISA CARD \ud83d\udc49<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f488955 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f488955\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b03ab elementor-widget elementor-widget-text-editor\" data-id=\"52b03ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(Budete presmerovan\u00ed na in\u00fa str\u00e1nku)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45ecf69 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"45ecf69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ac5ac elementor-widget elementor-widget-text-editor\" data-id=\"e1ac5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"2785\" data-end=\"2817\">V\u00fdbery z bankomatov<\/h3><ul data-start=\"2818\" data-end=\"2955\"><li data-start=\"2818\" data-end=\"2882\"><p data-start=\"2820\" data-end=\"2882\"><strong data-start=\"2820\" data-end=\"2837\">Euroz\u00f3na:<\/strong> zvy\u010dajne bezplatn\u00e9 alebo za zn\u00ed\u017een\u00fa cenu.<\/p><\/li><li data-start=\"2883\" data-end=\"2955\"><p data-start=\"2885\" data-end=\"2955\"><strong data-start=\"2885\" data-end=\"2910\">Mimo euroz\u00f3ny:<\/strong> m\u00f4\u017ee sa uplat\u0148ova\u0165 poplatok v rozmedz\u00ed <strong data-start=\"2933\" data-end=\"2944\">1% a 2%<\/strong> za podanie.<\/p><\/li><\/ul><h3 data-start=\"2957\" data-end=\"2986\">Kurzov\u00e1 sadzba<\/h3><p data-start=\"2987\" data-end=\"3092\">N\u00e1kupy v cudzej mene mimo euroz\u00f3ny maj\u00fa zvy\u010dajne kurz <strong data-start=\"3050\" data-end=\"3064\">1,751 a\u017e 21<\/strong> z celkovej hodnoty transakcie.<\/p><h3 data-start=\"3094\" data-end=\"3120\">Spl\u00e1tkov\u00fd kalend\u00e1r<\/h3><p data-start=\"3121\" data-end=\"3254\">Zvy\u010dajne je mo\u017en\u00e9 plati\u0165 na spl\u00e1tky s ro\u010dn\u00fdmi \u00farokmi v rozmedz\u00ed <strong data-start=\"3185\" data-end=\"3198\">12% a 16%<\/strong>, v z\u00e1vislosti od profilu klienta a region\u00e1lnej dru\u017estevnej organiz\u00e1cie.<\/p><h3 data-start=\"3256\" data-end=\"3276\">\u00daroky z ome\u0161kania<\/h3><p data-start=\"3277\" data-end=\"3369\">V pr\u00edpade oneskorenia platby m\u00f4\u017eu by\u0165 \u00fa\u010dtovan\u00e9 \u00faroky z ome\u0161kania a dodato\u010dn\u00e9 poplatky.<\/p><hr data-start=\"3371\" data-end=\"3374\" \/><h2 data-start=\"3376\" data-end=\"3466\">Karta Visa od Sparda-Bank: Ide\u00e1lna pre t\u00fdch, ktor\u00ed si cenia osobn\u00fd pr\u00edstup a spo\u013eahlivos\u0165<\/h2><p data-start=\"3468\" data-end=\"3625\">Karta Sparda-Bank Visa je ur\u010den\u00e1 pre t\u00fdch, ktor\u00ed h\u013eadaj\u00fa tradi\u010dn\u00fa kreditn\u00fa kartu s modern\u00fdmi digit\u00e1lnymi funkciami. Medzi jej hlavn\u00e9 v\u00fdhody patria:<\/p><p data-start=\"3627\" data-end=\"3907\">\u2714\ufe0f Osobn\u00e9 poradenstvo v r\u00f4znych regi\u00f3noch Nemecka<br data-start=\"3684\" data-end=\"3687\" \/>\u2714\ufe0f Aplik\u00e1cia Sparda-Bank na kontrolu v\u00fddavkov, limitov a v\u00fdpisov<br data-start=\"3753\" data-end=\"3756\" \/>\u2714\ufe0f Medzin\u00e1rodn\u00e1 akcept\u00e1cia prostredn\u00edctvom karty Visa<br data-start=\"3802\" data-end=\"3805\" \/>\u2714\ufe0f Bezkontaktn\u00e9 platby a bezpe\u010dnos\u0165 v\u010faka Visa Secure<br data-start=\"3862\" data-end=\"3865\" \/>\u2714\ufe0f Dobr\u00e1 preh\u013eadnos\u0165 poplatkov a podmienok<\/p><p data-start=\"3909\" data-end=\"4061\">Je to vynikaj\u00faca vo\u013eba pre obyvate\u013eov Nemecka, ktor\u00ed uprednost\u0148uj\u00fa priamy kontakt s bankou a cenia si istotu, ktor\u00fa poskytuje stabiln\u00e1 dru\u017estevn\u00e1 in\u0161tit\u00facia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd3cdaa e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"dd3cdaa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18e012b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"18e012b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/sparda.de\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">PO\u017dIADAJTE O KARTU SPARDA-BANK VISA CARD \ud83d\udc49<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cecd04 elementor-widget elementor-widget-text-editor\" data-id=\"8cecd04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(Budete presmerovan\u00ed na in\u00fa str\u00e1nku)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ad75df e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"8ad75df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7824533 elementor-widget elementor-widget-text-editor\" data-id=\"7824533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"4119\" data-end=\"4131\">Z\u00e1ver<\/h2><p data-start=\"4133\" data-end=\"4406\">O <strong data-start=\"4135\" data-end=\"4160\">Karta Visa od Sparda-Bank<\/strong> pon\u00faka efekt\u00edvnu rovnov\u00e1hu medzi tradi\u010dn\u00fdmi bankov\u00fdmi slu\u017ebami a digit\u00e1lnymi technol\u00f3giami. V\u010faka celosvetovej akcept\u00e1cii, ovl\u00e1daniu cez aplik\u00e1ciu, mo\u017enosti spl\u00e1tok za n\u00e1kupy a osobnej podpore je ide\u00e1lnou vo\u013ebou pre t\u00fdch, ktor\u00ed h\u013eadaj\u00fa bezpe\u010dnos\u0165, preh\u013eadnos\u0165 a praktickos\u0165.<\/p><p data-start=\"4408\" data-end=\"4616\" data-is-last-node=\"\" data-is-only-node=\"\">Ak b\u00fdvate v Nemecku a h\u013ead\u00e1te spo\u013eahliv\u00fa kartu s prijate\u013en\u00fdmi poplatkami a z\u00e1zem\u00edm renomovanej dru\u017estevnej banky, karta Visa od Sparda-Bank je skvelou vo\u013ebou na ka\u017edodenn\u00e9 pou\u017eitie aj na cestovanie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Se voc\u00ea mora na Alemanha e deseja um cart\u00e3o de cr\u00e9dito com atendimento presencial, aceita\u00e7\u00e3o internacional e controle digital pelo aplicativo, o Sparda-Bank Visa Card pode ser uma excelente escolha para o seu dia a dia financeiro. Cart\u00e3o Postbank Visa Anuidade Gr\u00e1tis SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) O Sparda-Bank \u00e9 um banco cooperativo tradicional, com forte presen\u00e7a regional e foco em atendimento pr\u00f3ximo ao cliente. O cart\u00e3o Visa combina essa solidez com funcionalidades modernas, como gest\u00e3o via app, pagamentos por aproxima\u00e7\u00e3o e seguran\u00e7a refor\u00e7ada. Passo a Passo para Solicitar o Cart\u00e3o Sparda-Bank Visa Card \ud83d\udd39 Escolha a Sparda-Bank da sua regi\u00e3o A Sparda-Bank opera por meio de cooperativas regionais (como Sparda-Bank Berlin, Sparda-Bank S\u00fcdwest, Sparda-Bank Hessen, entre outras).Acesse o site da unidade da sua regi\u00e3o e procure pela se\u00e7\u00e3o \u201cKreditkarte\u201d ou \u201cVisa Card\u201d. PE\u00c7A SEU CART\u00c3O SPARDA-BANK VISA CARD \ud83d\udc49 (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) \ud83d\udd39 Abra uma conta corrente (se ainda n\u00e3o for cliente) O cart\u00e3o de cr\u00e9dito normalmente \u00e9 oferecido apenas para correntistas. A abertura da conta pode ser feita online ou presencialmente em uma ag\u00eancia da Sparda-Bank. \ud83d\udd39 Solicite o cart\u00e3o Visa Com a conta ativa, solicite o cart\u00e3o pelo internet banking, aplicativo m\u00f3vel ou diretamente com um atendente na ag\u00eancia. \ud83d\udd39 Fa\u00e7a a verifica\u00e7\u00e3o de identidade (Identit\u00e4tspr\u00fcfung) A confirma\u00e7\u00e3o de identidade pode ser realizada: Presencialmente em uma ag\u00eancia da Sparda-Bank, ou Pelo PostIdent, nos Correios alem\u00e3es (Deutsche Post). \ud83d\udd39 Aguarde a an\u00e1lise de cr\u00e9dito e a aprova\u00e7\u00e3o O banco far\u00e1 uma an\u00e1lise financeira, geralmente com consulta \u00e0 SCHUFA. Se aprovado, o cart\u00e3o ser\u00e1 emitido e enviado ao seu endere\u00e7o cadastrado. Documentos Necess\u00e1rios para Solicita\u00e7\u00e3o Documento de identidade v\u00e1lidoPassaporte (Reisepass) ou Personalausweis. Comprovante de resid\u00eancia na Alemanha (Anmeldung)Documento obrigat\u00f3rio para abertura de conta. N\u00famero de identifica\u00e7\u00e3o fiscal (Steuer-ID)Necess\u00e1rio para processos banc\u00e1rios. Comprovante de rendaHolerites recentes, contrato de trabalho ou extratos banc\u00e1rios. Esses documentos podem ser solicitados tanto na abertura da conta quanto na solicita\u00e7\u00e3o do cart\u00e3o. Taxas do Cart\u00e3o Sparda-Bank Visa Card Anuidade A taxa anual costuma variar entre \u20ac20 e \u20ac30, dependendo da cooperativa regional e do pacote de conta. Em alguns casos, a anuidade pode ser gratuita no primeiro ano ou isenta mediante uso regular. PE\u00c7A SEU CART\u00c3O SPARDA-BANK VISA CARD \ud83d\udc49 (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Saques em caixas eletr\u00f4nicos Zona do euro: geralmente gratuitos ou com taxa reduzida. Fora da zona do euro: pode haver taxa entre 1% e 2% por saque. Taxa de convers\u00e3o cambial Compras em moeda estrangeira fora do euro costumam ter taxa de 1,75% a 2% sobre o valor da transa\u00e7\u00e3o. Parcelamento de fatura O parcelamento costuma estar dispon\u00edvel, com juros anuais entre 12% e 16%, conforme o perfil do cliente e a cooperativa regional. Juros por atraso Em caso de pagamento fora do prazo, podem ser aplicados juros de mora e encargos adicionais. Sparda-Bank Visa Card: Ideal Para Quem Valoriza Atendimento Presencial e Confiabilidade O Sparda-Bank Visa Card \u00e9 indicado para quem busca um cart\u00e3o de cr\u00e9dito tradicional, mas com recursos digitais modernos. Entre os principais destaques est\u00e3o: \u2714\ufe0f Atendimento presencial em diversas regi\u00f5es da Alemanha\u2714\ufe0f Aplicativo Sparda-Bank para controle de gastos, limite e fatura\u2714\ufe0f Aceita\u00e7\u00e3o internacional com a bandeira Visa\u2714\ufe0f Pagamentos por aproxima\u00e7\u00e3o e seguran\u00e7a com Visa Secure\u2714\ufe0f Boa transpar\u00eancia nas taxas e condi\u00e7\u00f5es \u00c9 uma excelente op\u00e7\u00e3o para residentes na Alemanha que preferem contato direto com o banco e valorizam a seguran\u00e7a de uma institui\u00e7\u00e3o cooperativa s\u00f3lida. PE\u00c7A SEU CART\u00c3O SPARDA-BANK VISA CARD \ud83d\udc49 (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Conclus\u00e3o O Sparda-Bank Visa Card oferece um equil\u00edbrio eficiente entre atendimento banc\u00e1rio tradicional e tecnologia digital. Com aceita\u00e7\u00e3o global, controle via aplicativo, parcelamento de compras e suporte presencial, ele atende bem quem busca seguran\u00e7a, clareza e praticidade. Se voc\u00ea mora na Alemanha e quer um cart\u00e3o confi\u00e1vel, com custos acess\u00edveis e o respaldo de um banco cooperativo reconhecido, o cart\u00e3o Visa da Sparda-Bank \u00e9 uma escolha s\u00f3lida para o uso di\u00e1rio e para viagens.<\/p>","protected":false},"author":1,"featured_media":15685,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[326],"tags":[],"post_folder":[],"class_list":["post-15693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/15693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/comments?post=15693"}],"version-history":[{"count":25,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/15693\/revisions"}],"predecessor-version":[{"id":17211,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/15693\/revisions\/17211"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media\/15685"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media?parent=15693"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/categories?post=15693"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/tags?post=15693"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/post_folder?post=15693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}