Sipas rregullores s\u00eb miratuar nga Banka e Shqip\u00ebris\u00eb n\u00eb muajin shtator, nivelet maksimale t\u00eb parashikuara p\u00ebr komisionet e transfertave t\u00eb brendshme do t\u00eb jen\u00eb t\u00eb vlefshme edhe p\u00ebr transfertat nd\u00ebrkomb\u00ebtare n\u00ebp\u00ebrmjet SEPA.<\/p>\n\n\n\n
Duke filluar nga data e sotme, 7 tetor, bankat shqiptare do t\u00eb fillojn\u00eb ofrimin e transfertave n\u00eb Zon\u00ebn e Vetme t\u00eb Pagesave n\u00eb Euro (SEPA). Mund\u00ebsimi i transfertave n\u00eb SEPA pritet t\u00eb sjell\u00eb nj\u00eb ulje t\u00eb ndjeshme t\u00eb komisioneve t\u00eb transfertave nd\u00ebrkomb\u00ebtare p\u00ebr publikun shqiptar.<\/p>\n\n\n\n
Rregullorja \u201cMbi tarifat e pagesave nd\u00ebrkufitare n\u00eb zon\u00ebn SEPA dhe kushtet e transparenc\u00ebs\u201d parashikon q\u00eb tarifat e aplikuara nga Operator\u00ebt e Sh\u00ebrbimeve t\u00eb Pagesave (banka ose institucione financiare jobanka t\u00eb pagesave dhe paras\u00eb elektronike) p\u00ebr pagesat SEPA dal\u00ebse nuk mund t\u00eb tejkalojn\u00eb kufijt\u00eb e p\u00ebrcaktuar nga Banka e Shqip\u00ebris\u00eb p\u00ebr vlerat korresponduese t\u00eb pagesave vendase n\u00eb Euro q\u00eb procesohen p\u00ebrmes sistemeve t\u00eb saj dhe p\u00ebrcaktohen n\u00eb kuadrin rregullator t\u00eb k\u00ebtyre sistemeve.<\/p>\n\n\n\n
Ashtu si\u00e7 ndodh me transfertat n\u00eb Lek\u00eb, edhe rregullorja p\u00ebr transfertat n\u00eb Euro do t\u00eb stimuloj\u00eb p\u00ebrdorimin e kanaleve elektronike p\u00ebr kryerjen e transfertave, duke parashikuar komisione t\u00eb p\u00ebrgjysmuara p\u00ebr veprimet q\u00eb kryhen n\u00ebp\u00ebrmjet k\u00ebtyre kanaleve.<\/p>\n\n\n\n
Komisioni minimal q\u00eb bankat mund t\u00eb aplikojn\u00eb p\u00ebr transfertat komb\u00ebtare n\u00eb monedh\u00ebn europiane, t\u00eb kryera n\u00ebp\u00ebrmjet e-banking, nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 2 euro.<\/p>\n\n\n\n
Nd\u00ebrsa totali i komisioneve p\u00ebr \u00e7do transfert\u00eb me vler\u00eb deri n\u00eb 100 mij\u00eb euro, t\u00eb kryer me e-banking, nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 0.01% e vler\u00ebs s\u00eb transferuar. E th\u00ebn\u00eb ndryshe, p\u00ebr shum\u00ebn maksimale t\u00eb k\u00ebtij tavani, 100 mij\u00eb euro, komisioni p\u00ebr pagesat elektronike do t\u00eb jet\u00eb maksimalisht 10 euro.<\/p>\n\n\n\n
Nd\u00ebrkoh\u00eb, totali i komisioneve p\u00ebr \u00e7do transfert\u00eb me vler\u00eb deri n\u00eb 100 mij\u00eb euro, e kryer n\u00eb deg\u00eb (n\u00eb form\u00eb let\u00ebr) nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 0.02% e vler\u00ebs s\u00eb transferuar.<\/p>\n\n\n\n
Me rregulloren e m\u00ebparshme, komisioni maksimal ishte 10 her\u00eb m\u00eb i lart\u00eb, n\u00eb mas\u00ebn 0.2%.<\/p>\n\n\n\n
Gjithashtu, ky komision maksimal ishte i detyruesh\u00ebm vet\u00ebm p\u00ebr transfertat me vler\u00eb m\u00eb t\u00eb ul\u00ebt, deri n\u00eb 10 mij\u00eb euro; p\u00ebr pagesat m\u00eb t\u00eb m\u00ebdha se 10 mij\u00eb euro, nuk parashikohej nj\u00eb tavan p\u00ebr komisionin n\u00eb p\u00ebrqindje, por vet\u00ebm nj\u00eb komision maksimal n\u00eb vler\u00eb, pavar\u00ebsisht shum\u00ebs s\u00eb transferuar.<\/p>\n\n\n\n
Komisionet maksimale q\u00eb bankat mund t\u00eb aplikojn\u00eb (p\u00ebr transfertat mbi 100 mij\u00eb euro), pavar\u00ebsisht shum\u00ebs s\u00eb transfert\u00ebs, do t\u00eb jen\u00eb t\u00eb nj\u00ebjta si n\u00eb rregulloren e m\u00ebparshme, p\u00ebrkat\u00ebsisht 50 euro p\u00ebr transfertat e kryera n\u00eb deg\u00eb dhe 25 euro p\u00ebr ato t\u00eb nisura n\u00ebp\u00ebrmjet kanaleve elektronike.<\/p>\n\n\n\n
Nd\u00ebrkoh\u00eb, p\u00ebr transfertat hyr\u00ebse (nga jasht\u00eb drejt Shqip\u00ebris\u00eb) bankat mund t\u00eb aplikojn\u00eb nj\u00eb komision maksimal deri n\u00eb 3 euro, p\u00ebr t\u00eb mbuluar kostot e ofrimit t\u00eb sh\u00ebrbimit.<\/p>\n\n\n\n
Shqip\u00ebria u pranua zyrtarisht si an\u00ebtare e zon\u00ebs SEPA nga K\u00ebshilli Europian i Pagesave n\u00eb 21 n\u00ebntor 2024.<\/p>\n\n\n\n
An\u00ebtar\u00ebsimi n\u00eb SEPA pritet t\u00eb sjell\u00eb leht\u00ebsi t\u00eb m\u00ebdha n\u00eb kryerjen e pagesave nd\u00ebrkomb\u00ebtare me kosto m\u00eb t\u00eb ul\u00ebta dhe n\u00eb koh\u00eb m\u00eb t\u00eb shpejt\u00eb. Sektori bankar n\u00eb Shqip\u00ebri i ekzekutonte transfertat nd\u00ebrkomb\u00ebtare n\u00ebp\u00ebrmjet n\u00ebp\u00ebrmjet bankave t\u00eb huaja korrespondente. Nj\u00eb zgjidhje e till\u00eb sillte komisione t\u00eb larta dhe koh\u00eb relativisht t\u00eb gjat\u00eb p\u00ebr kryerjen e transfertave.<\/p>\n\n\n\n
Sipas analizave t\u00eb kryera nga Banka Bot\u00ebrore, nj\u00eb pages\u00eb nga Shqip\u00ebria drejt zon\u00ebs SEPA kushtonte gati 10 her\u00eb m\u00eb shum\u00eb se nj\u00eb pages\u00eb brenda zon\u00ebs SEPA.<\/p>\n\n\n\n
Transfertat k\u00ebrkonin disa dit\u00eb pune, nd\u00ebrsa me an\u00ebtar\u00ebsimin n\u00eb SEPA pritet q\u00eb parat\u00eb t\u00eb transferohen n\u00eb llogarin\u00eb e p\u00ebrfituesit maksimalisht brenda nj\u00eb dite pune.<\/p>\n\n\n\n
Leht\u00ebsimi i kryerjes s\u00eb pagesave nd\u00ebrkufitare me partnerin tregtar kryesor t\u00eb Shqip\u00ebris\u00eb, Bashkimin Europian, pritet t\u00eb leht\u00ebsoj\u00eb zgjerimin e m\u00ebtejsh\u00ebm t\u00eb marr\u00ebdh\u00ebnieve tregtare. Bizneset shqiptare do t\u00eb ken\u00eb akses n\u00eb nj\u00eb treg t\u00eb madh me mund\u00ebsi p\u00ebr zgjerimin e sh\u00ebrbimeve dhe produkteve dhe rritjen e konkurrenc\u00ebs.<\/p>\n\n\n\n
Pjes\u00ebmarrja n\u00eb SEPA vler\u00ebsohet se do t\u00eb ket\u00eb nj\u00eb kontribut dometh\u00ebn\u00ebs n\u00eb sektor\u00eb strategjik\u00eb si\u00e7 \u00ebsht\u00eb turizmi dhe n\u00eb rritjen flukseve t\u00eb lidhura me investimet e huaja direkte. Ulja e kostove t\u00eb transfertave n\u00eb Euro pritet t\u00eb ndikoj\u00eb dhe n\u00eb formalizimin e flukseve t\u00eb remitancave.<\/p>\n\n\n\n
Projeksionet e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb jan\u00eb q\u00eb n\u00eb afat t\u00eb mes\u00ebm, ekonomia shqiptare do t\u00eb p\u00ebrfitoj\u00eb disa qindra milion\u00eb euro nga aderimi n\u00eb SEPA.<\/p>\n\n\n\n
SEPA \u00ebsht\u00eb nj\u00eb iniciativ\u00eb e hershme e Bashkimit Europian p\u00ebr harmonizimin e pagesave elektronike n\u00eb Euro, nd\u00ebrmjet vendeve an\u00ebtare. Skemat e Pagesave SEPA i sigurojn\u00eb qytetar\u00ebve dhe bizneseve evropiane, pagesa nd\u00ebrkufitare n\u00eb monedh\u00ebn e p\u00ebrbashk\u00ebt, me t\u00eb nj\u00ebjt\u00ebn kosto dhe leht\u00ebsi si pagesat brenda vendit t\u00eb tyre. Megjithat\u00eb, zona gjeografike SEPA shtrihet edhe jasht\u00eb vendeve t\u00eb BE-s\u00eb, duke num\u00ebruar deri tani 36 vende q\u00eb kan\u00eb harmonizuar standardet p\u00ebr pagesat elektronike n\u00eb euro.\/Monitor.al\/<\/p>\n","protected":false},"excerpt":{"rendered":"
Sipas rregullores s\u00eb miratuar nga Banka e Shqip\u00ebris\u00eb n\u00eb muajin shtator, nivelet maksimale t\u00eb parashikuara p\u00ebr komisionet e transfertave t\u00eb brendshme do t\u00eb jen\u00eb t\u00eb vlefshme edhe p\u00ebr transfertat nd\u00ebrkomb\u00ebtare n\u00ebp\u00ebrmjet SEPA. Duke filluar nga data e sotme, 7 tetor, bankat shqiptare do t\u00eb fillojn\u00eb ofrimin e transfertave n\u00eb Zon\u00ebn e Vetme t\u00eb Pagesave n\u00eb […]<\/p>\n","protected":false},"author":2,"featured_media":11657,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,2],"tags":[],"class_list":["post-11656","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualitet","category-ekonomi"],"yoast_head":"\n