{"id":754161,"date":"2025-08-04T07:35:20","date_gmt":"2025-08-04T05:35:20","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=754161"},"modified":"2025-08-04T07:36:50","modified_gmt":"2025-08-04T05:36:50","slug":"bsh-percakton-tarifat-tavan-per-transfertat-sepa-ato-hyrese-nuk-mund-te-jene-me-te-larta-se-3-euro","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/08\/04\/bsh-percakton-tarifat-tavan-per-transfertat-sepa-ato-hyrese-nuk-mund-te-jene-me-te-larta-se-3-euro\/","title":{"rendered":"BSH p\u00ebrcakton tarifat tavan p\u00ebr transfertat SEPA, ato hyr\u00ebse nuk mund t\u00eb jen\u00eb m\u00eb t\u00eb larta se 3 Euro","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/span><\/p>\n

Banka e Shqip\u00ebris\u00eb ka p\u00ebrgatitur projektrregulloren q\u00eb vendos bazat p\u00ebr nivelin e tarifave q\u00eb bankat dhe institucionet e pagesave do t\u00eb aplikojn\u00eb, pas an\u00ebtar\u00ebsimit n\u00eb Zon\u00ebn Unike t\u00eb Pagesave n\u00eb Euro (SEPA).<\/span><\/p>\n

Projektrregullorja \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.<\/span><\/p>\n

Sipas ndryshimeve t\u00eb propozuara, \u201cP\u00ebr funksionimin e sistemit AIPS EURO p\u00ebr shlyerjen e transfertave vendase p\u00ebr klient\u00eb n\u00eb Euro\u201d, t\u00eb raportuara nga \u201cMonitor\u201d jav\u00ebn e kaluar, komisioni minimal q\u00eb bankat mund t\u00eb aplikojn\u00eb p\u00ebr transfertat n\u00eb sistemin AIPS Euro, do t\u00eb ulet nga 6 euro n\u00eb 4 euro.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, totali i komisioneve p\u00ebr \u00e7do transfert\u00eb me vler\u00eb deri n\u00eb 150 mij\u00eb euro nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 0.02% e vler\u00ebs s\u00eb transferuar. 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.<\/span><\/p>\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. Nd\u00ebrsa totali i komisioneve p\u00ebr \u00e7do transfert\u00eb me vler\u00eb deri n\u00eb 150 mij\u00eb euro nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 0.01% e vler\u00ebs s\u00eb transferuar.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, komisionet maksimale q\u00eb bankat mund t\u00eb aplikojn\u00eb, pavar\u00ebsisht shum\u00ebs s\u00eb transfert\u00ebs, propozohen t\u00eb jen\u00eb t\u00eb nj\u00ebjta si n\u00eb rregulloren aktuale, 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.<\/span><\/p>\n

K\u00ebto nivele tavan do t\u00eb aplikohen edhe p\u00ebr transfertat n\u00eb nisje n\u00eb zon\u00ebn SEPA.<\/span><\/p>\n

Nd\u00ebrsa, p\u00ebr tarifat e pagesave SEPA hyr\u00ebse, n\u00ebse aplikohen nga institucioni i p\u00ebrfituesit t\u00eb pages\u00ebs, ato duhet t\u00eb reflektojn\u00eb kostot p\u00ebrkat\u00ebse t\u00eb ofruesit t\u00eb sh\u00ebrbimeve t\u00eb pagesave. K\u00ebto tarifa, n\u00eb asnj\u00eb rast nuk mund t\u00eb kalojn\u00eb vler\u00ebn 3 euro p\u00ebr transaksion.<\/span><\/p>\n

Duke filluar nga muaji tetor, pritet q\u00eb bankat tregtare shqiptare t\u00eb fillojn\u00eb kryerjen e transfertave n\u00ebp\u00ebrmjet sistemeve t\u00eb SEPA, \u00e7ka do t\u00eb sjell\u00eb ulje drastike t\u00eb komisioneve dhe shkurtim t\u00eb koh\u00ebs p\u00ebr kryer transfertat n\u00eb Euro jasht\u00eb vendit.<\/span><\/p>\n

Aktualisht, sektori bankar n\u00eb Shqip\u00ebri i ekzekuton transfertat nd\u00ebrkomb\u00ebtare n\u00ebp\u00ebrmjet n\u00ebp\u00ebrmjet bankave t\u00eb huaja korrespondente. Nj\u00eb zgjidhje e till\u00eb sjell komisione t\u00eb larta dhe koh\u00eb relativisht t\u00eb gjat\u00eb p\u00ebr kryerjen e transfertave.<\/span><\/p>\n

Sipas analizave t\u00eb kryera nga Banka Bot\u00ebrore, aktualisht nj\u00eb pages\u00eb nga Shqip\u00ebria drejt zon\u00ebs SEPA sot kushton gati 10 her\u00eb m\u00eb shum\u00eb se nj\u00eb pages\u00eb brenda zon\u00ebs SEPA.<\/span><\/p>\n

Transferta k\u00ebrkon 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.<\/span><\/p>\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.<\/span><\/p>\n

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.<\/span><\/p>\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.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Banka e Shqip\u00ebris\u00eb ka p\u00ebrgatitur projektrregulloren q\u00eb vendos bazat p\u00ebr nivelin e tarifave q\u00eb bankat dhe institucionet e pagesave do t\u00eb aplikojn\u00eb, pas an\u00ebtar\u00ebsimit n\u00eb Zon\u00ebn Unike t\u00eb Pagesave n\u00eb Euro (SEPA). Projektrregullorja \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 […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":754162,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-754161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fast-foodi"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/754161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=754161"}],"version-history":[{"count":1,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/754161\/revisions"}],"predecessor-version":[{"id":754163,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/754161\/revisions\/754163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/754162"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=754161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=754161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=754161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}