[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elxis.cz\/detsky-ucet-zalozit-nebo-ne\/#Article","mainEntityOfPage":"https:\/\/www.elxis.cz\/detsky-ucet-zalozit-nebo-ne\/","headline":"D\u011btsk\u00fd \u00fa\u010det zalo\u017eit nebo ne?","name":"D\u011btsk\u00fd \u00fa\u010det zalo\u017eit nebo ne?","description":"– \u00da\u010det rodi\u010de zakl\u00e1daj\u00ed sv\u00fdm d\u011btem v\u011bt\u0161inou v p\u0159\u00edpad\u011b, \u017ee pot\u0159ebuj\u00ed odd\u011blit svoje finance od jejich. D\u00edt\u011b nijak z\u00e1sadn\u011b sv\u016fj[...]","datePublished":"2025-02-27","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.elxis.cz\/author\/#Person","name":"elxis.cz\n","url":"https:\/\/www.elxis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4b051168bd2ace843d503d3432ebc4a96ac13303845197b3f2a2634cb21029f6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4b051168bd2ace843d503d3432ebc4a96ac13303845197b3f2a2634cb21029f6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elxis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elxis.cz\/wp-content\/uploads\/img_a293854_w1945_t1505910064.jpg","url":"https:\/\/www.elxis.cz\/wp-content\/uploads\/img_a293854_w1945_t1505910064.jpg","height":0,"width":0},"url":"https:\/\/www.elxis.cz\/detsky-ucet-zalozit-nebo-ne\/","about":["Finance"],"wordCount":398,"articleBody":"– \u00da\u010det rodi\u010de zakl\u00e1daj\u00ed sv\u00fdm d\u011btem v\u011bt\u0161inou v p\u0159\u00edpad\u011b, \u017ee pot\u0159ebuj\u00ed odd\u011blit svoje finance od jejich. D\u00edt\u011b nijak z\u00e1sadn\u011b sv\u016fj vlastn\u00ed \u00fa\u010det nepot\u0159ebuje. L\u00e9pe ud\u011bl\u00e1te, kdy\u017e mu koup\u00edte vlastn\u00ed pokladni\u010dku ne\u017e ho hn\u00e1t do banky vkl\u00e1dat a vyb\u00edrat si pen\u00edze.  – Co se t\u00fd\u010de spo\u0159en\u00ed a \u00farok\u016f, kter\u00e9 na n\u011bj dostanete, se v\u016fbec nevyplat\u00ed ho zakl\u00e1dat. \u00darokov\u00e1 sazba je sice ni\u017e\u0161\u00ed, ale maxim\u00e1ln\u00ed ro\u010dn\u00ed vklad mus\u00ed b\u00fdt 20 tis\u00edc korun. Ve fin\u00e1le na n\u011bm dostanete jen p\u00e1r drobn\u00fdch.  – D\u011btsk\u00fd \u00fa\u010det se vyplat\u00ed, pokud jste spr\u00e1vcem jeho financ\u00ed, kter\u00e9 mu chod\u00ed na \u00fa\u010det. Jsou to pen\u00edze pat\u0159\u00edc\u00ed v\u00fdhradn\u011b d\u00edt\u011bti, jsou na jeho jm\u00e9no a jemu ur\u010deny. N\u011bkte\u0159\u00ed rodi\u010de vyu\u017e\u00edvaj\u00ed d\u011btsk\u00fd \u00fa\u010det, kdy\u017e jsou na n\u011b uvaleny exekuce, aby nep\u0159i\u0161ly o svoje pen\u00edze. Z pr\u00e1vn\u00edho hlediska nesm\u00ed exekutor s\u00e1hnout d\u00edt\u011bti na pen\u00edze a\u017e do jeho dosp\u011blosti. Spousta bank neposkytuje vy\u0159izov\u00e1n\u00ed r\u016fzn\u00fdch transakc\u00ed z d\u011btsk\u00e9ho \u00fa\u010dtu tak jako z klasick\u00e9ho. – Asi nejlep\u0161\u00ed alternativou je vkladn\u00ed kn\u00ed\u017eka na jm\u00e9no d\u00edt\u011bte. – P\u0159\u00edklady d\u011btsk\u00fdch \u00fa\u010dt\u016f a vkladn\u00edch kn\u00ed\u017eek:  – \u010cesk\u00e1 spo\u0159itelnanab\u00edz\u00ed z\u00e1kladn\u00ed \u00fa\u010det od narozen\u00ed s debetn\u00ed kartou od 8 let, \u00fa\u010det bez b\u011b\u017en\u00fdch poplatk\u016f, ale poplatky za slu\u017eby mimo z\u00e1kladn\u00ed bal\u00ed\u010dek. Vkladn\u00ed kn\u00ed\u017eka od narozen\u00ed, vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba, banka p\u0159ipisuje r\u016fzn\u00e9 bonusy, omezen\u00e9 a problematick\u00e9 v\u00fdb\u011bry do 18 let v\u011bku d\u00edt\u011bte.  – \u010cSOB\u00fa\u010det od narozen\u00ed s debetn\u00ed kartou od 8 let, 4 v\u00fdb\u011bry z bankomat\u016f t\u00e9to banky m\u011bs\u00ed\u010dn\u011b, internetov\u00e9 a mobiln\u00ed bankovnictv\u00ed, p\u0159\u00edchoz\u00ed platby, nev\u00fdhodou je, \u017ee nelze prov\u00e1d\u011bt odchoz\u00ed platby, pouze hotovostn\u00ed transakce. – Komer\u010dn\u00ed bankad\u011btsk\u00e9 konto od narozen\u00ed s debetn\u00ed kartou od 8 let v\u011bku d\u00edt\u011bte, mo\u017enost vlastn\u00edho v\u00fdb\u011bru obr\u00e1zku karty, internetov\u00e9 a mobiln\u00ed bankovnictv\u00ed, 2 v\u00fdb\u011bry z bankomatu m\u011bs\u00ed\u010dn\u011b zdarma v r\u00e1mci bankomat\u016f KB, 1 v\u00fdb\u011br hotovosti na pokladn\u011b v m\u011bs\u00edci, nev\u00fdhody nelze prov\u00e1d\u011bt odchoz\u00ed platby pouze hotovostn\u00ed transakce.                                                                                                                                                                                                                                                                                                                                                                                         4.2\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u011btsk\u00fd \u00fa\u010det zalo\u017eit nebo ne?","item":"https:\/\/www.elxis.cz\/detsky-ucet-zalozit-nebo-ne\/#breadcrumbitem"}]}]