{"id":3152,"date":"2015-06-30T11:44:00","date_gmt":"2015-06-30T11:44:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=3152"},"modified":"2026-05-25T10:59:24","modified_gmt":"2026-05-25T10:59:24","slug":"mokejimo-istaigos-siulo-alternatyva-pervedimams","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/mokejimo-istaigos-siulo-alternatyva-pervedimams\/","title":{"rendered":"Mok\u0117jimo \u012fstaigos si\u016blo alternatyv\u0105 tradicin\u0117ms pinig\u0173 pervedimo paslaugoms"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-mokejimo-istaiga-tai-bendrove-kurios-pagrindine-veikla-yra-teikti-mokejimo-paslaugas-tokias-kaip-pinigu-pervedimai-mokejimo-priemoniu-isdavimas-mokejimo-pavedimu-vykdymas-ir-kita\">Mok\u0117jimo \u012fstaiga \u2013 tai bendrov\u0117, kurios pagrindin\u0117 veikla yra teikti mok\u0117jimo paslaugas, tokias kaip pinig\u0173 pervedimai, mok\u0117jimo priemoni\u0173 i\u0161davimas, mok\u0117jimo pavedim\u0173 vykdymas ir kita.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mok\u0117jimo \u012fstaiga gali b\u016bti akcin\u0117 arba u\u017edaroji akcin\u0117 bendrov\u0117, kuriai Lietuvos Bankas i\u0161dav\u0117 mok\u0117jimo \u012fstaigos licencij\u0105.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konkurencija mok\u0117jimo rinkoje auga kiekvienais metais ir mok\u0117jimo \u012fstaigos perima vis didesn\u0119 mok\u0117jimo rinkos dal\u012f. Tai ypa\u010d naudinga verslui, kuriam vykdant veikl\u0105 b\u016btina atlikti ar priimti didel\u012f skai\u010di\u0173 mok\u0117jim\u0173 operacij\u0173. I\u0161analizavus istorinius bank\u0173 \u012fkaini\u0173 poky\u010dius, tik\u0117tina, kad mok\u0117jimo \u012fstaig\u0173 rinkos dalis augs ir ateityje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2014 m. vartotojai atliko vir\u0161 60 mln. pervedim\u0173 grynaisiais pinigais (arba pateikiant pavedim\u0105 banko skyriuje), i\u0161 kuri\u0173 48 mln. pervedim\u0173 buvo atlikta mok\u0117jimo \u012fstaigose. Pagal \u0161iuos duomenis, bank\u0173 rinkos dalis mok\u0117jimo rinkoje smuktel\u0117jo nuo 24% iki 21%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elektronini\u0173 pervedim\u0173 2014 m. atlikta beveik 116 mln., i\u0161 kuri\u0173 109 mln. operacij\u0173 atlikta bankuose ir tik 7 mln. mok\u0117jimo \u012fstaigose. Nepaisant to, kad 7 mln. operacij\u0173, t.y. 6% rinkos dalis, dar yra nedidelis skai\u010dius, mok\u0117jimo \u012fstaigose atlikt\u0173 elektronini\u0173 pervedim\u0173 skai\u010dius padid\u0117jo beveik 3 kartus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lietuvos banko atstovo teigimu, konkurencija elektronini\u0173 pervedim\u0173 rinkoje i\u0161augs \u012fgyvendinus b\u016btinus mok\u0117jimo sistemos pakeitimus, kurie leist\u0173 prie ma\u017emenin\u0117s mok\u0117jimo sistemos prisijungti ir mok\u0117jimo \u012fstaigoms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kodel-vartotojai-renkasi-mokejimo-istaigas\"><strong>Kod\u0117l vartotojai renkasi mok\u0117jimo \u012fstaigas?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mok\u0117jim\u0173 \u012fstaigos augina u\u017eimam\u0105 rinkos dal\u012f ir gryn\u0173j\u0173 pinig\u0173 pervedim\u0173, ir elektronini\u0173 pervedim\u0173 segmentuose. Pagrindinis \u0161i\u0173 \u012fstaig\u0173 prana\u0161umas prie\u0161 Lietuvoje veikian\u010dius bankus \u2013 pastebimai ma\u017eesni pervedim\u0173 \u012fkainiai ir operacij\u0173 \u012fvykdymo greitis. Skaitytoj\u0173 patogumui paruo\u0161\u0117me pagrindini\u0173 bank\u0173 ir mok\u0117jimo \u012fstaig\u0173 taikom\u0173 \u012fkaini\u0173 palyginimo lentel\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beveik visi Lietuvoje veikiantys bankai u\u017e internetu atliekamus tarptautinius pervedimus u\u017esienio valiuta taiko operacijos mokest\u012f, kuris siekia nuo 11.58 Eur iki 13.03 Eur. Tuo tarpu, pavyzd\u017eiui, mok\u0117jimo \u012fstaigos licencij\u0105 turintis EVP International, valdantis prek\u0117s \u017eenkl\u0105&nbsp;<a href=\"https:\/\/www.paysera.lt\/titulinis.html\">Paysera<\/a>, taiko nuo 0.10 Eur iki 3.25 Eur siekiant\u012f sandorio mokest\u012f. Tod\u0117l da\u017enai su u\u017esienio \u0161alyse esan\u010diais klientais, tiek\u0117jais ar verslo partneriais atsiskaitantis smulkus ir vidutinis verslas, naudodamasis mok\u0117jimo \u012fstaig\u0173 paslaugomis, gali sutaupyti dideles sumas vien u\u017e tarptautini\u0173 pervedim\u0173 atlikim\u0105, neatsi\u017evelgiant \u012f kitus mokes\u010dius, kurie mok\u0117jimo \u012fstaigose daugeliu atvej\u0173 taip pat yra ma\u017eesni nei bankuose.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>PASLAUGA (EUR)<\/th><th>Swedbank<\/th><th>SEB bankas<\/th><th>DNB bankas<\/th><th>\u0160iauli\u0173 bankas<\/th><th>Medicinos bankas<\/th><th>Citadele<\/th><th>Paysera<\/th><\/tr><\/thead><tbody><tr><td>S\u0105skaitos tvarkymo i\u0161laidos (per metus)<\/td><td>3.48<\/td><td>3.48<\/td><td>0-3.48<\/td><td>3.48<\/td><td>2.40<\/td><td>3.48<\/td><td>0.00<\/td><\/tr><tr><td>Pervedimai EUR (vidinis)<\/td><td>0.23<\/td><td>0.29<\/td><td>0.29<\/td><td>0.23<\/td><td>0.00<\/td><td>0.23<\/td><td>0.00<\/td><\/tr><tr><td>Pervedimai EUR (i\u0161orinis)<\/td><td>0.41<\/td><td>0.41<\/td><td>0.41-11.58<\/td><td>0.41<\/td><td>0.35<\/td><td>0.41<\/td><td>0.20<\/td><\/tr><tr><td>Tarptautiniai pervedimai u\u017esienio valiuta<\/td><td>13.03<\/td><td>13.03<\/td><td>13.03<\/td><td>11.58<\/td><td>13.00<\/td><td>13.03<\/td><td>0.10-3.25<\/td><\/tr><tr><td>Gaut\u0173 l\u0117\u0161\u0173 \u012fskaitymo mokestis<\/td><td>0.35<\/td><td>0.41<\/td><td>0.35-8.69<\/td><td>0.35<\/td><td>0.35<\/td><td>0.35<\/td><td>0.00<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Mok\u0117jimo \u012fstaigos vykdo LR mok\u0117jimo \u012fstaig\u0173 \u012fstatyme numatytus veiklos rizik\u0105 ribojan\u010dius reikalavimus ir visas vartotoj\u0173 l\u0117\u0161as atskiria nuo \u012fmon\u0117s veiklos ir kit\u0173 fizini\u0173 ar juridini\u0173 asmen\u0173 l\u0117\u0161\u0173. Kai kurios mok\u0117jimo \u012fstaigos taiko ir papildom\u0105 vartotoj\u0173 apsaugos b\u016bd\u0105 ir sudaro laidavimo sutartis su draudimo bendrove.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vis\u0105 mok\u0117jimo \u012fstaig\u0173 s\u0105ra\u0161\u0105 galite rasti paspaud\u0119&nbsp;<a href=\"https:\/\/www.lb.lt\/lt\/finansu-rinku-dalyviai\">\u010dia<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mok\u0117jimo \u012fstaiga \u2013 tai bendrov\u0117, kurios pagrindin\u0117 veikla yra teikti mok\u0117jimo paslaugas, tokias kaip pinig\u0173 pervedimai, mok\u0117jimo priemoni\u0173 i\u0161davimas, mok\u0117jimo pavedim\u0173 vykdymas ir kita. Mok\u0117jimo&#8230;<\/p>\n","protected":false},"author":1,"featured_media":35566,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[36],"tags":[43],"class_list":["post-3152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansavimo-gidas","tag-alternatyvus-finansavimas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v28.1) - 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