{"id":24238,"date":"2023-08-07T12:12:45","date_gmt":"2023-08-07T11:12:45","guid":{"rendered":"https:\/\/europedia24.com\/leidarvisir-um-ad-opna-bankareikning-i-thyskalandi-tegundir-og-bestu-bankar-i-smaatridum\/"},"modified":"2026-07-14T20:28:37","modified_gmt":"2026-07-14T19:28:37","slug":"leidarvisir-um-ad-opna-bankareikning-i-thyskalandi-tegundir-og-bestu-bankar-i-smaatridum","status":"publish","type":"post","link":"https:\/\/europedia24.com\/is\/leidarvisir-um-ad-opna-bankareikning-i-thyskalandi-tegundir-og-bestu-bankar-i-smaatridum\/","title":{"rendered":"Lei\u00f0arv\u00edsir um a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi: Tegundir og bestu bankar \u00ed sm\u00e1atri\u00f0um"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Hvort sem \u00fe\u00fa ert n\u00fdr \u00ed n\u00e1mi, hefur \u00feegar byrja\u00f0 \u00ed starfi e\u00f0a n\u00fdlega komi\u00f0 til a\u00f0 leita a\u00f0 atvinnut\u00e6kif\u00e6rum, \u00fe\u00e1 er eitt af fyrstu lagalegu og fj\u00e1rhagslegu skrefunum sem \u00fe\u00fa \u00fearft a\u00f0 taka a\u00f0 l\u00e6ra hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi.   <\/p>\n\n<p class=\"wp-block-paragraph\">\u00c1n \u00feess a\u00f0 hafa sta\u00f0bundinn bankareikning munt \u00fe\u00fa ekki geta fengi\u00f0 m\u00e1na\u00f0arlaun \u00fe\u00edn, greitt leigu og vi\u00f0b\u00f3tarframf\u00e6rslukostna\u00f0, n\u00e9 einu sinni gerst \u00e1skrifandi a\u00f0 nau\u00f0synlegum net- og fjarskipta\u00fej\u00f3nustum sem \u00fe\u00fa \u00fearft \u00ed daglegu l\u00edfi \u00fe\u00ednu.   <\/p>\n\n<p class=\"wp-block-paragraph\">\u00dev\u00ed munum vi\u00f0 \u00fatsk\u00fdra n\u00e1kv\u00e6mlega hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi; Byrja\u00f0 er \u00e1 \u00feeim reikningstegundum sem eru \u00ed bo\u00f0i, helstu mununum \u00e1 hef\u00f0bundnum og stafr\u00e6num b\u00f6nkum, allt a\u00f0 nau\u00f0synlegum skj\u00f6lum og skj\u00f6lum sem \u00fearf til a\u00f0 virkja reikninginn \u00feinn \u00e1 \u00f6ruggan h\u00e1tt og \u00e1 l\u00e6gsta m\u00f6gulega kostna\u00f0i.   <\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0720e3\" class=\"has-inline-color\">Skilyr\u00f0i fyrir opnun bankareiknings \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/08\/&#x643;&#x64A;&#x641;&#x64A;&#x629;-&#x641;&#x62A;&#x62D;-&#x62D;&#x633;&#x627;&#x628;-&#x628;&#x646;&#x643;&#x64A;-&#x641;&#x64A;-&#x627;&#x644;&#x645;&#x627;&#x646;&#x64A;&#x627;-1024x576.jpg\" alt=\"Hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi\" class=\"wp-image-2861\" title=\"\"><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">Til a\u00f0 skilja hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi \u00fearftu a\u00f0 uppfylla grunnkr\u00f6fur sem hver ums\u00e6kjandi \u00fearf a\u00f0 uppfylla. \u00deessar kr\u00f6fur fela \u00ed s\u00e9r: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Uml\u00fdsandi ver\u00f0ur a\u00f0 vera eldri en 18 \u00e1ra.<\/li>\n\n\n\n<li>B\u00f6rn 7 \u00e1ra og eldri geta opna\u00f0 grunnreikning, en sam\u00feykki foreldra er nau\u00f0synlegt.<\/li>\n\n\n\n<li>Gilt pers\u00f3nuskilr\u00edki, svo sem vegabr\u00e9f e\u00f0a \u00feola\u00f0 dvalarleyfi (Duldung).<\/li>\n\n\n\n<li>Heimilisfang \u00ed \u00de\u00fdskalandi til a\u00f0 taka \u00e1 m\u00f3ti bankabr\u00e9fum.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa hefur ekki varanlegt dvalarleyfi \u00ed \u00de\u00fdskalandi getur\u00f0u nota\u00f0 heimilisfang vinar e\u00f0a r\u00e1\u00f0gjafarmi\u00f0st\u00f6\u00f0var.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0714e3\" class=\"has-inline-color\">Skj\u00f6l og skj\u00f6l sem \u00fearf til a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">\u00de\u00fdsk fj\u00e1rm\u00e1laferli eru h\u00e1\u00f0 str\u00f6ngu eftirliti. Til a\u00f0 opna bankareikning me\u00f0 g\u00f3\u00f0um \u00e1rangri \u00ed \u00de\u00fdskalandi \u00fearftu a\u00f0 undirb\u00faa eftirfarandi skj\u00f6l:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Upprunalegt vegabr\u00e9f: <\/strong>Ver\u00f0ur a\u00f0 vera gilt og hafa l\u00f6glegt dvalarleyfi.<\/li>\n\n\n\n<li><strong>Opinbert skr\u00e1ningarvottor\u00f0 (Anmeldung): <\/strong>Nau\u00f0synlegt skjal sem sannar raunverulegt heimilisfang \u00feitt \u00ed \u00de\u00fdskalandi (stafr\u00e6nir bankar eins og N26 geta t\u00edmabundi\u00f0 undan\u00feegi\u00f0 \u00feessa kr\u00f6fu og krafist a\u00f0eins l\u00edkamlegrar n\u00e6rveru \u00feinnar innan \u00de\u00fdskalands).<\/li>\n\n\n\n<li><strong>\u00de\u00fdska skattaau\u00f0kennisn\u00fameri\u00f0 (Steuer-ID): <\/strong>L\u00f6g gera \u00fea\u00f0 skyldugt til a\u00f0 koma \u00ed veg fyrir skattasvik (\u00fe\u00fa getur sent \u00fea\u00f0 til bankans innan nokkurra m\u00e1na\u00f0a eftir a\u00f0 reikningurinn er opna\u00f0ur ef \u00fe\u00fa hefur ekki enn fengi\u00f0 \u00fea\u00f0 me\u00f0 p\u00f3sti).<\/li>\n\n\n\n<li><strong>S\u00f6nnun um st\u00f6\u00f0u (ef vi\u00f0 \u00e1): <\/strong>R\u00e1\u00f0ningarsamningurinn \u00feinn ef \u00fe\u00fa ert starfsma\u00f0ur, e\u00f0a h\u00e1sk\u00f3laskr\u00e1ningarsk\u00edrteini\u00f0 \u00feitt ef \u00fe\u00fa ert nemandi, til a\u00f0 nj\u00f3ta \u00f3keypis a\u00f0gangs. <\/li>\n<\/ul>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig \u2013 <a href=\"https:\/\/europedia24.com\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d8%a8%d8%b1%d9%8a%d8%b7%d8%a7%d9%86%d9%8a%d8%a7\/\" data-type=\"URL\" data-id=\"https:\/\/europedia24.com\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d8%a8%d8%b1%d9%8a%d8%b7%d8%a7%d9%86%d9%8a%d8%a7\/\">Besti h\u00e1tturinn til a\u00f0 opna bankareikning \u00ed Bretlandi<\/a><\/strong><\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0723e3\" class=\"has-inline-color\">Tegundir bankareikninga \u00ed \u00de\u00fdskalandi: Hva\u00f0a tegund \u00e6ttir \u00fe\u00fa a\u00f0 velja? <\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">\u00deegar \u00fe\u00fa fer\u00f0 \u00ed bankann \u00e6ttir \u00fe\u00fa a\u00f0 bi\u00f0ja um \u00feann reikning sem passar vi\u00f0 lagalega og fj\u00e1rhagslega st\u00f6\u00f0u \u00fe\u00edna \u00ed \u00de\u00fdskalandi. \u00de\u00fdski bankageirinn skiptist a\u00f0allega \u00ed \u00ferj\u00e1 flokka:  <\/p>\n\n<h3 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Einstaklingsbundinn vi\u00f0skiptareikningur Girokonto<\/mark><\/h3>\n\n<p class=\"wp-block-paragraph\">\u00deetta er grunnreikningurinn og algengasti reikningurinn fyrir alla sem b\u00faa \u00ed \u00de\u00fdskalandi. H\u00fan er notu\u00f0 til a\u00f0 taka vi\u00f0 launum, grei\u00f0a reikninga og gera daglegar millif\u00e6rslur, og fylgir me\u00f0 debetkorti fyrir kaup og \u00fattekt \u00ed rei\u00f0uf\u00e9.    <\/p>\n\n<p class=\"wp-block-paragraph\">Einstaklingsbundinn vi\u00f0skiptareikningur hentar \u00e1kve\u00f0num h\u00f3pi f\u00f3lks, \u00fear \u00e1 me\u00f0al starfsm\u00f6nnum, sj\u00e1lfst\u00e6tt starfandi starfsm\u00f6nnum og \u00feeim sem hafa atvinnuleitendavegabr\u00e9f.    <\/p>\n\n<h3 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Loka\u00f0ur bankareikningur Sperrkonto<\/mark><\/h3>\n\n<p class=\"wp-block-paragraph\">Loka\u00f0ur bankareikningur er s\u00e9rstakur reikningur sem \u00fe\u00fdsk yfirv\u00f6ld krefjast sem grunnskilyr\u00f0i fyrir a\u00f0 gefa \u00fat vegabr\u00e9fs\u00e1ritanir til al\u00fej\u00f3\u00f0legra nemenda og atvinnuleitenda til a\u00f0 sanna fj\u00e1rhagslega getu s\u00edna.<\/p>\n\n<p class=\"wp-block-paragraph\">Fyrir \u00e1ri\u00f0 2026 krefjast \u00fe\u00fdskar reglur a\u00f0 1.091 evra \u00e1 m\u00e1nu\u00f0i ver\u00f0i fryst \u00e1 \u00feessum reikningi, og bankinn afgrei\u00f0ir \u00feessa upph\u00e6\u00f0 sm\u00e1m saman til \u00fe\u00edn sem fasta m\u00e1na\u00f0arlega grei\u00f0slu \u00feegar \u00fe\u00fa kemur til \u00de\u00fdskalands.  <\/p>\n\n<h3 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Nemendareikningur Studentenkonto<\/mark><\/h3>\n\n<p class=\"wp-block-paragraph\">\u00deetta er venjulegur vi\u00f0skiptareikningur (Girokonto), en me\u00f0 s\u00e9rst\u00f6kum fr\u00ed\u00f0indum og algj\u00f6rri undan\u00fe\u00e1gu fr\u00e1 stj\u00f3rns\u00fdslu- og m\u00e1na\u00f0arlegum vi\u00f0haldsgj\u00f6ldum. <\/p>\n\n<p class=\"wp-block-paragraph\">Vi\u00f0skiptareikningur nemenda hentar \u00e1kve\u00f0num h\u00f3pi f\u00f3lks: nemendur sem eru formlega skr\u00e1\u00f0ir \u00ed \u00fe\u00fdska h\u00e1sk\u00f3la og yfirleitt yngri en 28 \u00e1ra.  <\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0714e3\" class=\"has-inline-color\">Samanbur\u00f0ur \u00e1 hef\u00f0bundnum og stafr\u00e6num b\u00f6nkum \u00ed \u00de\u00fdskalandi<\/mark><\/h2>\n\n<p class=\"wp-block-paragraph\">\u00de\u00fdski bankageirinn skiptist \u00ed tv\u00f6 kerfi, hvert me\u00f0 s\u00edna kosti og galla sem hafa \u00e1hrif \u00e1 daglega bankaupplifun \u00fe\u00edna:<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Samanbur\u00f0ar\u00fe\u00e1ttur<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Hef\u00f0bundnir bankar<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Stafr\u00e6nir bankar<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Skilgreining<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00deetta eru langvarandi bankar me\u00f0 raunveruleg \u00fatib\u00fa \u00e1 g\u00f6tum, sj\u00e1lfst\u00e6\u00f0a hra\u00f0banka og starfsmenn sem \u00fe\u00fa getur tala\u00f0 vi\u00f0 augliti til auglitis.<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00deeir eru n\u00fat\u00edmalegir bankar sem starfa alfari\u00f0 \u00ed gegnum snjalls\u00edmaforrit og vefs\u00ed\u00f0ur, \u00e1n nokkurra sta\u00f0bundinna \u00fatib\u00faa. <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Vins\u00e6lustu d\u00e6min<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sparkasse, \u00fatbreiddasti bankinn \u00ed hverri borg og \u00feorpi, Deutsche Bank, Commerzbank  <\/td><td class=\"has-text-align-center\" data-align=\"center\">N26 (fr\u00e6gasti stafr\u00e6ni banki Evr\u00f3pu), DKB, Comdirect <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kostir<\/td><td class=\"has-text-align-center\" data-align=\"center\">Hef\u00f0bundin \u00f6ryggis\u00fej\u00f3nusta, au\u00f0veld innborgunar\u00fej\u00f3nusta me\u00f0 rei\u00f0uf\u00e9 og bein \u00fej\u00f3nusta vi\u00f0 vi\u00f0skiptavini \u00ed gegnum \u00fatib\u00fa. <\/td><td class=\"has-text-align-center\" data-align=\"center\">Yfirleitt er \u00feetta algj\u00f6rlega \u00f3keypis (\u00e1n m\u00e1na\u00f0argjalda), reikningar m\u00e1 opna innan nokkurra m\u00edn\u00fatna fr\u00e1 heimili og forriti\u00f0 er fullkomlega a\u00f0gengilegt \u00e1 ensku.  <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00d3kostir<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00deeir rukka m\u00e1na\u00f0arlegar reikningsvi\u00f0haldsgj\u00f6ld (fr\u00e1 3 til 8 evrur), og flestir \u00fej\u00f3nustur og starfsmenn tala eing\u00f6ngu \u00e1 \u00fe\u00fdsku. <\/td><td class=\"has-text-align-center\" data-align=\"center\">Erfi\u00f0leikar vi\u00f0 a\u00f0 leggja inn rei\u00f0uf\u00e9 og \u00fej\u00f3nusta vi\u00f0 vi\u00f0skiptavini er a\u00f0eins \u00ed bo\u00f0i \u00ed spjalli e\u00f0a s\u00edmt\u00f6lum. <\/td><\/tr><\/tbody><\/table><\/figure>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">Hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Allir innan \u00de\u00fdskalands geta opna\u00f0 sinn eigin bankareikning me\u00f0 \u00fev\u00ed a\u00f0 fylgja skrefunum til a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi, hvort sem \u00fea\u00f0 er \u00ed gegnum banka me\u00f0 m\u00f6rg \u00fatib\u00fa um allt land e\u00f0a beint \u00ed gegnum netbanka\u00fej\u00f3nustu.   <\/p>\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi \u00e1 \u00fatib\u00fai<\/mark><\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa vilt opna reikning hj\u00e1 banka n\u00e1l\u00e6gt heimili \u00fe\u00ednu getur\u00f0u fari\u00f0 \u00ed eitt af n\u00e6rliggjandi \u00fatib\u00faum \u00e1n \u00feess a\u00f0 panta t\u00edma, \u00fear sem starfsma\u00f0ur hj\u00e1lpar \u00fe\u00e9r a\u00f0 fylla \u00fat ums\u00f3kn um a\u00f0 opna bankareikning.  <\/p>\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa ver\u00f0ur a\u00f0 leggja fram pers\u00f3nuleg skilr\u00edki, svo sem gilt vegabr\u00e9f e\u00f0a dvalarleyfi, \u00e1samt \u00f6\u00f0rum skj\u00f6lum, svo starfsma\u00f0urinn geti sta\u00f0fest au\u00f0kenni reikningshafans. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi \u00e1 netinu <\/mark><\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Me\u00f0 \u00feessari a\u00f0fer\u00f0 getur\u00f0u opna\u00f0 reikning hj\u00e1 beinum banka \u00ed gegnum interneti\u00f0. Til a\u00f0 lj\u00faka \u00feessu ferli \u00fearftu a\u00f0 fylla \u00fat ums\u00f3kn um opnun reiknings, \u00fear sem \u00feessi ey\u00f0ubl\u00f6\u00f0 eru a\u00f0gengileg \u00e1 vefs\u00ed\u00f0u bankans sem \u00fe\u00fa hyggst opna reikning hj\u00e1.  <\/p>\n\n<p class=\"wp-block-paragraph\">Eftir a\u00f0 hafa fyllt \u00fat nau\u00f0synlegar uppl\u00fdsingar \u00fearftu a\u00f0 senda inn ums\u00f3knina og b\u00ed\u00f0a eftir sta\u00f0festingu fr\u00e1 bankanum, sem ver\u00f0ur send \u00fe\u00e9r \u00ed t\u00f6lvup\u00f3sti. Eftir um \u00fea\u00f0 bil 10 daga \u00e6ttir \u00fe\u00fa a\u00f0 f\u00e1 svar um hvort ums\u00f3kn \u00fe\u00edn hafi veri\u00f0 sam\u00feykkt e\u00f0a ekki. <\/p>\n\n<p class=\"wp-block-paragraph\">Til a\u00f0 sta\u00f0festa au\u00f0kenni ums\u00e6kjanda ver\u00f0ur panta\u00f0ur t\u00edmi og sendur til \u00fe\u00edn me\u00f0 t\u00f6lvup\u00f3sti svo \u00fe\u00fa getir teki\u00f0 me\u00f0 \u00fe\u00e9r nau\u00f0synleg skj\u00f6l. <\/p>\n\n<p class=\"wp-block-paragraph\">\u00d6nnur a\u00f0fer\u00f0 til au\u00f0kenningarsta\u00f0festingar er mynds\u00edmtal, \u00fear sem \u00fe\u00fa s\u00fdnir au\u00f0kenni \u00feitt fyrir myndav\u00e9lina og svarar nokkrum spurningum var\u00f0andi pers\u00f3nuuppl\u00fdsingar \u00fe\u00ednar.<\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0720e3\" class=\"has-inline-color\">Hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi fyrir \u00fe\u00e1 sem eru ekki b\u00fasettir<\/mark><\/strong><\/h2>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/08\/&#x641;&#x62A;&#x62D;-&#x62D;&#x633;&#x627;&#x628;-&#x628;&#x646;&#x643;&#x64A;-&#x641;&#x64A;-&#x623;&#x644;&#x645;&#x627;&#x646;&#x64A;&#x627;-&#x644;&#x63A;&#x64A;&#x631;-&#x627;&#x644;&#x645;&#x642;&#x64A;&#x645;&#x64A;&#x646;-1024x576.webp\" alt=\"Opnun bankareiknings \u00ed \u00de\u00fdskalandi fyrir \u00fe\u00e1 sem ekki eru b\u00fasettir\" class=\"wp-image-2858\" title=\"\"><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 er mikilv\u00e6gt a\u00f0 skilja hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi fyrir \u00fe\u00e1 sem eru ekki b\u00fasettir \u00fev\u00ed \u00fea\u00f0 b\u00fd\u00f0ur upp \u00e1 nokkra kosti, \u00fear \u00e1 me\u00f0al:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Ef \u00fe\u00fa ert nemandi \u00fearftu bankareikning til a\u00f0 grei\u00f0a sk\u00f3lagj\u00f6ld.<\/li>\n\n\n\n<li>A\u00f0 grei\u00f0a fyrir n\u00e1msefni sem \u00fe\u00fa \u00fearft \u00e1 me\u00f0an \u00fe\u00fa ert \u00ed n\u00e1mi \u00ed \u00de\u00fdskalandi.<\/li>\n\n\n\n<li>A\u00f0 spara peninga sem afla\u00f0 er af vi\u00f0skiptastarfsemi.<\/li>\n\n\n\n<li>A\u00f0 borga fyrir fer\u00f0ami\u00f0a \u00e1 netinu.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Hvernig \u00e1 a\u00f0 virkja bankareikning fyrir \u00fe\u00e1 sem eru ekki b\u00fasettir<\/mark><\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa ver\u00f0ur a\u00f0 sta\u00f0festa au\u00f0kenni \u00feitt \u00feegar \u00fe\u00fa s\u00e6kir um a\u00f0 virkja bankareikning utan b\u00fasetu me\u00f0 \u00fev\u00ed a\u00f0 heims\u00e6kja bankann og hitta \u00e1byrgan starfsmann, e\u00f0a me\u00f0 \u00fev\u00ed a\u00f0 sta\u00f0festa au\u00f0kenni \u00feitt \u00ed gegnum mynds\u00edmtal.<\/p>\n\n<p class=\"wp-block-paragraph\">Reikningurinn er venjulega virkja\u00f0ur innan viku e\u00f0a minna eftir sam\u00feykki og sta\u00f0festingu. \u00de\u00fa munt f\u00e1 skilabo\u00f0 \u00ed s\u00edmann \u00feinn me\u00f0 PIN-n\u00fameri fyrir reikninginn \u00feinn til a\u00f0 lj\u00faka virkjunarferlinu. <\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig \u2013 <a href=\"https:\/\/europedia24.com\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%87%d9%88%d9%84%d9%86%d8%af%d8%a7\/\" data-type=\"URL\" data-id=\"https:\/\/europedia24.com\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%87%d9%88%d9%84%d9%86%d8%af%d8%a7\/\">Hvernig \u00e1 a\u00f0 opna bankareikning \u00ed Hollandi<\/a><\/strong><\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0709e3\" class=\"has-inline-color\">Kostna\u00f0ur vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Kostna\u00f0ur vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi er mismunandi milli banka, \u00fear sem engin f\u00f6st l\u00f6gfr\u00e6\u00f0igjald er. Hins vegar mega grunngj\u00f6ld reikningsins ekki vera h\u00e6rri en gj\u00f6ld annarra reikningstegunda.  <\/p>\n\n<p class=\"wp-block-paragraph\">Auk \u00feess m\u00e1 enginn banki rukka meira fyrir grunnreiknings\u00fej\u00f3nustu en a\u00f0rir bankar.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00c1rlegur kostna\u00f0ur vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi er yfirleitt \u00e1 bilinu 50 til 150 evrur. \u00deessi kostna\u00f0ur samanstendur af gj\u00f6ldum sem bankinn rukkar fyrir reikningsstj\u00f3rnun, almennt \u00feekkt sem reikningsvi\u00f0haldsgj\u00f6ld e\u00f0a grunn\u00fej\u00f3nustugj\u00f6ld. <\/p>\n\n<p class=\"wp-block-paragraph\">Aukagj\u00f6ld geta einnig \u00e1tt vi\u00f0 fyrir \u00e1kve\u00f0na \u00fej\u00f3nustu sem bankar veita, svo sem millif\u00e6rslur e\u00f0a prentun reikningsyfirlita. <\/p>\n\n<p class=\"wp-block-paragraph\">Au\u00f0vita\u00f0 getur \u00fe\u00fa fengi\u00f0 allar \u00feessar \u00edtarlegu uppl\u00fdsingar \u00far ver\u00f0lista sem bankinn gefur ums\u00e6kjendum \u00feegar fari\u00f0 er \u00ed gegnum ferli\u00f0 vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi.<\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">\u00c1st\u00e6\u00f0ur fyrir \u00fev\u00ed a\u00f0 banki hafnar einfaldri ums\u00f3kn um reikning<\/mark><\/strong><\/h2>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/08\/&#x627;&#x644;&#x628;&#x637;&#x627;&#x642;&#x627;&#x62A;-&#x627;&#x644;&#x627;&#x626;&#x62A;&#x645;&#x627;&#x646;&#x64A;&#x629;-1024x576.webp\" alt=\"Tegundir kreditkorta \u00ed \u00de\u00fdskalandi\" class=\"wp-image-2857\" title=\"\"><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">Banki hefur r\u00e9tt til a\u00f0 hafna ums\u00f3kn um a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi, jafnvel \u00fe\u00f3tt \u00f6llum skrefum til a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi hafi veri\u00f0 fylgt. \u00deetta getur gerst af nokkrum \u00e1st\u00e6\u00f0um, \u00fear \u00e1 me\u00f0al: <\/p>\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li>Ef ums\u00e6kjandi \u00e1 \u00feegar annan virkan bankareikning \u00ed \u00de\u00fdskalandi.<\/li>\n\n\n\n<li>Ef ums\u00e6kjandi \u00e1 \u00feegar grunnreikning hj\u00e1 sama banka og hefur ekki greitt nau\u00f0synleg gj\u00f6ld.<\/li>\n\n\n\n<li>Ef ums\u00e6kjandi hefur nota\u00f0 grunnreikning til \u00f3l\u00f6glegra starfsemi, svo sem peninga\u00fev\u00e6ttis<\/li>\n\n\n\n<li>ef \u00fea\u00f0 a\u00f0 opna reikninginn myndi annars brj\u00f3ta l\u00f6g.<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Eftir a\u00f0 hafa fengi\u00f0 h\u00f6fnun fr\u00e1 bankanum getur\u00f0u haft samband <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Alr\u00edkisfj\u00e1rm\u00e1laeftirliti\u00f0<\/a> Heimild til a\u00f0 senda inn rafr\u00e6na bei\u00f0ni um stj\u00f3rns\u00fdsluendursko\u00f0un svo yfirv\u00f6ld geti endurmeti\u00f0 hafna\u00f0a ums\u00f3kn. BaFin <\/p>\n\n<p class=\"wp-block-paragraph\">Hins vegar, ef m\u00e1li\u00f0 er of h\u00e1 gj\u00f6ld fyrir a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi, getur\u00f0u einnig haft samband vi\u00f0 yfirv\u00f6ld til a\u00f0 senda inn kv\u00f6rtunarey\u00f0ubla\u00f0, sem h\u00e6gt er a\u00f0 prenta \u00fat og senda me\u00f0 p\u00f3sti.<\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0720e3\" class=\"has-inline-color\">Hvernig \u00e1 a\u00f0 taka \u00fat peninga af \u00fe\u00fdska bankareikningnum \u00fe\u00ednum<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa getur au\u00f0veldlega teki\u00f0 \u00fat peninga af reikningnum \u00fe\u00ednum me\u00f0 bankakorti og PIN-n\u00fameri, sem \u00fe\u00fa f\u00e6r\u00f0 eftir a\u00f0 hafa loki\u00f0 skrefunum um hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi.  <\/p>\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 er mikilv\u00e6gt a\u00f0 vita a\u00f0 besta lei\u00f0in til a\u00f0 taka \u00fat rei\u00f0uf\u00e9 er \u00ed gegnum eigin hra\u00f0banka bankans, \u00fev\u00ed a\u00f0 nota hra\u00f0banka annars banka getur krafist aukagjalda, sem geta \u00ed sumum tilfellum veri\u00f0 allt a\u00f0 6 evrur.  <\/p>\n\n<p class=\"wp-block-paragraph\">Sparkasse er einn vins\u00e6lasti og \u00feekktasti banki \u00de\u00fdskalands. Hann hefur einnig st\u00e6rsta hra\u00f0bankaneti\u00f0 mi\u00f0a\u00f0 vi\u00f0 a\u00f0ra banka og b\u00fd\u00f0ur upp \u00e1 fj\u00f6lbreytta \u00fej\u00f3nustu. \u00de\u00fa getur fundi\u00f0 n\u00e6sta hra\u00f0banka me\u00f0 \u00fev\u00ed a\u00f0 nota vefs\u00ed\u00f0u Cash Group: <a href=\"http:\/\/www.cashgroup.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">cashgroup.de<\/a>   <\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig \u2013 <a href=\"https:\/\/europedia24.com\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d8%a7%d9%84%d8%b3%d9%88%d9%8a%d8%af\/\" data-type=\"URL\" data-id=\"https:\/\/europedia24.com\/%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d8%a7%d9%84%d8%b3%d9%88%d9%8a%d8%af\/\">Lykilskref til a\u00f0 opna bankareikning \u00ed Sv\u00ed\u00fej\u00f3\u00f0<\/a><\/strong><\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0c07e3\" class=\"has-inline-color\">Hvernig \u00e1 a\u00f0 athuga st\u00f6\u00f0u bankareikningsins \u00fe\u00edns \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa ert einhver sem framkv\u00e6mir margar fj\u00e1rm\u00e1laf\u00e6rslur \u00e6ttir \u00fe\u00fa reglulega a\u00f0 athuga fj\u00e1rmunina \u00e1 reikningnum \u00fe\u00ednum, b\u00e6\u00f0i tekjur og gj\u00f6ld, me\u00f0 \u00fev\u00ed a\u00f0 nota netbanka \u00e1 vefs\u00ed\u00f0u bankans \u00fe\u00edns. <\/p>\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa \u00e1tt r\u00e9tt \u00e1 a\u00f0 nota \u00feessa \u00fej\u00f3nustu eftir a\u00f0 hafa loki\u00f0 ferlum vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi.<\/p>\n\n<p class=\"wp-block-paragraph\">Bankinn sendir einnig reglulega bankayfirlit \u00ed netfang reikningshafans, sem inniheldur allar fj\u00e1rm\u00e1laf\u00e6rslur sem ger\u00f0ar voru \u00e1 fyrra t\u00edmabili.<\/p>\n\n<p class=\"wp-block-paragraph\">Ef rangar grei\u00f0slur finnast \u00e1 yfirlitinu \u00e6ttir \u00fe\u00fa tafarlaust a\u00f0 hafa samband vi\u00f0 bankann til a\u00f0 sko\u00f0a yfirlit reikningsins.<\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0711e3\" class=\"has-inline-color\">\u00d6ryggisr\u00e1\u00f0stafanir ef bankareikningsbrot eiga s\u00e9r sta\u00f0 \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Ef bankareikningseigandi \u00ed \u00de\u00fdskalandi ver\u00f0ur fyrir innbroti e\u00f0a missir bankakorti\u00f0 sitt, \u00fearf hann tafarlaust a\u00f0 hafa samband vi\u00f0 bankann \u00ed gegnum s\u00edman\u00fameri\u00f0 0049116166 til a\u00f0 loka kortinu og koma \u00ed veg fyrir a\u00f0 einhver steli f\u00e9 \u00feeirra.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00deetta n\u00famer er gilt til notkunar hj\u00e1 flestum b\u00f6nkum \u00ed \u00de\u00fdskalandi. \u00de\u00fa getur l\u00edka sta\u00f0fest r\u00e9tta n\u00fameri\u00f0 \u00ed gegnum <a href=\"https:\/\/www.sperr-notruf.de\/teilnehmer-finder.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">sperr-notruf.de<\/a> vefs\u00ed\u00f0u e\u00f0a me\u00f0 \u00fev\u00ed a\u00f0 hafa beint samband vi\u00f0 bankann \u00feinn. <\/p>\n\n<p class=\"wp-block-paragraph\">Bankinn mun \u00fe\u00e1 senda \u00fe\u00e9r n\u00fdtt kort \u00e1samt PIN-n\u00fameri \u00e1n endurgjalds, \u00e1n \u00feess a\u00f0 \u00feurfa a\u00f0 heims\u00e6kja bankann aftur e\u00f0a endurtaka ferli\u00f0 vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi, \u00fear sem reikningurinn \u00feinn er \u00feegar til. <\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">Bankaf\u00e6rslur milli reikninga innan \u00de\u00fdskalands<\/mark><\/strong><\/h2>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/08\/&#x641;&#x62A;&#x62D;-&#x62D;&#x633;&#x627;&#x628;-&#x645;&#x635;&#x631;&#x641;&#x64A;-&#x641;&#x64A;-&#x623;&#x644;&#x645;&#x627;&#x646;&#x64A;&#x627;-1024x576.webp\" alt=\"Bankareikningur \u00ed \u00de\u00fdskalandi\" class=\"wp-image-2859\" title=\"\"><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">Eftir a\u00f0 hafa l\u00e6rt hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi ertu n\u00fa bankareikningshafi. \u00deess vegna \u00fearftu a\u00f0 skilja hvernig bankaf\u00e6rslur milli reikninga virka. Ef flutningurinn fer fram innan \u00de\u00fdskalands er hann kl\u00e1ra\u00f0ur sama dag, \u00e1 me\u00f0an millif\u00e6rslur innan Evr\u00f3pu taka venjulega \u00e1 milli eins og tveggja daga.  <\/p>\n\n<p class=\"wp-block-paragraph\">Bankaf\u00e6rslur eru ekki \u00f3keypis hj\u00e1 \u00f6llum b\u00f6nkum, \u00fe\u00f3 sumir bankar bj\u00f3\u00f0i \u00fe\u00e6r \u00f3keypis. Almennt er \u00fe\u00f3 innheimt gjald fyrir hverja millif\u00e6rslu milli banka.  <\/p>\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa getur einnig gert bankamillif\u00e6rslur innan banka\u00fatib\u00fas me\u00f0 \u00fev\u00ed a\u00f0 nota opinbera millif\u00e6rsluey\u00f0ubla\u00f0i\u00f0, sem f\u00e6st \u00f3keypis. \u00de\u00fa ver\u00f0ur a\u00f0 fylla \u00fat allar nau\u00f0synlegar uppl\u00fdsingar, \u00fear \u00e1 me\u00f0al: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Fullt nafn vi\u00f0takanda.<\/li>\n\n\n\n<li>IBAN (al\u00fej\u00f3\u00f0legt bankareikningsn\u00famer) vi\u00f0takanda.<\/li>\n\n\n\n<li>BIC\/SWIFT k\u00f3\u00f0i vi\u00f0takanda bankans.<\/li>\n\n\n\n<li>Upph\u00e6\u00f0in sem \u00e1 a\u00f0 flytja.<\/li>\n\n\n\n<li>Flutningsuppl\u00fdsingar e\u00f0a heimildauppl\u00fdsingar.<\/li>\n\n\n\n<li>Reikningsn\u00famer sendanda.<\/li>\n\n\n\n<li>Flutningsdagurinn.<\/li>\n\n\n\n<li>Signature.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Eftir a\u00f0 ey\u00f0ubla\u00f0i\u00f0 hefur veri\u00f0 fyllt \u00fat er \u00fea\u00f0 sett \u00ed p\u00f3stkassa bankans e\u00f0a afhent beint starfsmanni bankans.<\/p>\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa vilt gera millif\u00e6rslur milli banka me\u00f0 net\u00fej\u00f3nustu, ver\u00f0ur \u00fe\u00fa a\u00f0 fylla \u00fat stafr\u00e6na ey\u00f0ubla\u00f0i\u00f0 sem er a\u00f0gengilegt \u00e1 vefs\u00ed\u00f0u bankans og sl\u00e1 inn allar nau\u00f0synlegar pers\u00f3nuuppl\u00fdsingar, \u00e1samt k\u00f3\u00f0anum sem ver\u00f0ur sendur \u00ed netfangi\u00f0 \u00feitt. <\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0711e3\" class=\"has-inline-color\">A\u00f0 flytja peninga \u00e1 bankareikning utan Evr\u00f3pu<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa vilt flytja peninga \u00e1 reikning utan Evr\u00f3pu ver\u00f0ur \u00fe\u00fa fyrst a\u00f0 fylgja skrefunum vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi og halda s\u00ed\u00f0an \u00e1fram me\u00f0 millif\u00e6rsluferli\u00f0. <\/p>\n\n<p class=\"wp-block-paragraph\">Vinsamlegast athuga\u00f0u a\u00f0 \u00fe\u00fa munt grei\u00f0a aukagj\u00f6ld fyrir \u00feessa tegund flutnings, sem getur teki\u00f0 nokkra daga. Til a\u00f0 lj\u00faka flutningnum \u00fearftu a\u00f0 tilgreina eftirfarandi: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Upph\u00e6\u00f0in og gjaldmi\u00f0illinn sem \u00fe\u00fa vilt flytja.<\/li>\n\n\n\n<li>Nafn vi\u00f0takanda.<\/li>\n\n\n\n<li>IBAN (al\u00fej\u00f3\u00f0legt bankareikningsn\u00famer) vi\u00f0takanda.<\/li>\n\n\n\n<li>BIC\/SWIFT k\u00f3\u00f0i vi\u00f0takanda bankans.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0720e3\" class=\"has-inline-color\">Hvernig \u00e1 a\u00f0 skipta yfir \u00ed annan banka \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 er mikilv\u00e6gt a\u00f0 vita a\u00f0 \u00fe\u00fa getur skipt um banka hven\u00e6r sem er samkv\u00e6mt \u00fe\u00fdskum l\u00f6gum. Gamli og n\u00fdi bankinn vinna saman a\u00f0 \u00fev\u00ed a\u00f0 hj\u00e1lpa \u00fe\u00e9r a\u00f0 skipta um reikning \u00ed gegnum \u00fea\u00f0 sem kallast reikningsskipti\u00fej\u00f3nusta. \u00deetta \u00e1 a\u00f0eins vi\u00f0 um banka innan \u00de\u00fdskalands og er yfirleitt \u00f3keypis. <\/p>\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa vilt skipta um bankareikning \u00fearftu fyrst a\u00f0 fylgja skrefunum vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi hj\u00e1 n\u00fdja bankanum og s\u00ed\u00f0an senda inn bei\u00f0ni um a\u00f0sto\u00f0 vi\u00f0 a\u00f0 flytja reikninginn \u00feinn fr\u00e1 gamla bankanum yfir \u00ed \u00feann n\u00fdja me\u00f0 sta\u00f0la\u00f0ri ey\u00f0ubla\u00f0i fr\u00e1 bankanum.<\/p>\n\n<p class=\"wp-block-paragraph\">Til a\u00f0 tryggja \u00e1framhaldandi a\u00f0gang a\u00f0 peningunum \u00fe\u00ednum \u00e1 me\u00f0an \u00e1 breytingunni stendur, \u00e6ttir \u00fe\u00fa a\u00f0eins a\u00f0 loka gamla reikningnum \u00fe\u00ednum a\u00f0 minnsta kosti tveimur m\u00e1nu\u00f0um eftir a\u00f0 n\u00fdi er opna\u00f0ur, svo a\u00f0 innkomandi millif\u00e6rslur og grei\u00f0slur geti enn veri\u00f0 afgreiddar r\u00e9tt.<\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig \u2013 <a href=\"https:\/\/europedia24.com\/%d9%83%d9%8a%d9%81%d9%8a%d8%a9-%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%81%d8%b1%d9%86%d8%b3%d8%a7\/\" data-type=\"URL\" data-id=\"https:\/\/europedia24.com\/%d9%83%d9%8a%d9%81%d9%8a%d8%a9-%d9%81%d8%aa%d8%ad-%d8%ad%d8%b3%d8%a7%d8%a8-%d8%a8%d9%86%d9%83%d9%8a-%d9%81%d9%8a-%d9%81%d8%b1%d9%86%d8%b3%d8%a7\/\">Hvernig \u00e1 a\u00f0 opna bankareikning \u00ed Frakklandi<\/a><\/strong><\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0718e3\" class=\"has-inline-color\">Kreditkort gefin \u00fat af b\u00f6nkum \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Eftir a\u00f0 hafa loki\u00f0 ferlinu vi\u00f0 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi getur\u00f0u fengi\u00f0 kreditkort. Kreditkort er fj\u00e1rm\u00e1lakort sem gerir \u00fe\u00e9r kleift a\u00f0 grei\u00f0a og taka \u00fat peninga hvar sem er \u00ed heiminum. \u00dea\u00f0 eru nokkrar tegundir kreditkorta, \u00fear \u00e1 me\u00f0al: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Kreditkort: <\/mark><\/strong>Kreditkortafyrirt\u00e6ki\u00f0 dregur fasta upph\u00e6\u00f0 af reikningnum \u00fe\u00ednum \u00ed lok m\u00e1na\u00f0arins. Hins vegar dregur \u00fea\u00f0 ekki alla upph\u00e6\u00f0ina strax fr\u00e1. Ef \u00fe\u00fa fer yfir l\u00e1nsh\u00e6fism\u00f6rkin innan eins m\u00e1na\u00f0ar, \u00fearftu a\u00f0 grei\u00f0a vexti. <\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\"><strong>Debetkort: <\/strong><\/mark>\u00cd \u00feessu tilfelli safnast engir vextir upp, \u00fear sem kortafyrirt\u00e6ki\u00f0 dregur allar \u00fatgj\u00f6ld fyrir einn m\u00e1nu\u00f0 beint af reikningnum. <\/li>\n\n\n\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Debetkort: <\/mark><\/strong>Engir vextir eru rukka\u00f0ir yfirh\u00f6fu\u00f0, \u00fear sem \u00fej\u00f3nustua\u00f0ilinn dregur fr\u00e1 kostna\u00f0 b\u00e6\u00f0i einstaklingsbundi\u00f0 og beint af reikningnum. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#070de3\" class=\"has-inline-color\">Hvernig bankareikningurinn \u00feinn hj\u00e1lpar \u00fe\u00e9r a\u00f0 n\u00e1 st\u00f6\u00f0ugleika \u00ed \u00de\u00fdskalandi<\/mark><\/h2>\n\n<p class=\"wp-block-paragraph\">A\u00f0 opna bankareikning me\u00f0 g\u00f3\u00f0um \u00e1rangri \u00ed \u00de\u00fdskalandi er bur\u00f0ar\u00e1s fj\u00e1rm\u00e1lal\u00edfs \u00fe\u00edns. \u00deegar reikningurinn \u00feinn er virkja\u00f0ur getur\u00f0u tengt hann beint vi\u00f0 <a href=\"https:\/\/europedia24.com\/is\/munurinn-a-steuer-id-og-steuernumer-i-thyskalandi-yfirgripsmikil-leidarvisir-thinn\/\">\u00de\u00fdska skattn\u00fameri\u00f0 \u00feitt (Steuer-ID)<\/a> og sendu \u00fea\u00f0 til mannau\u00f0sdeildar fyrirt\u00e6kisins til a\u00f0 f\u00e1 fyrstu launin \u00fe\u00edn.  <\/p>\n\n<p class=\"wp-block-paragraph\">A\u00f0 eiga bankareikning gerir \u00fe\u00e9r einnig kleift a\u00f0 f\u00e1 <a href=\"https:\/\/europedia24.com\/en\/germanys-schufa-system-links-moving-residence-to-credit-score-decline\/\">SCHUFA l\u00e1nsh\u00e6fismatssk\u00fdrsla<\/a>, sem styrkir ums\u00f3kn \u00fe\u00edna um leigu \u00feegar <a href=\"https:\/\/europedia24.com\/is\/yfirgripsmikil-leidarvisir-thinn-hvernig-a-ad-finna-husnaedi-i-thyskalandi-og-fordast-fasteignasvindl\/\">a\u00f0 leita a\u00f0 gistingu \u00ed \u00de\u00fdskalandi<\/a> og a\u00f0 tryggja <a href=\"https:\/\/europedia24.com\/is\/leidarvisir-ad-anmeldung-hvernig-a-ad-skra-busetu-thina-i-thyskalandi-skref-fyrir-skref\/\">Opinber skr\u00e1ning b\u00fasetuskjals<\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00deessi fj\u00e1rhagslegi st\u00f6\u00f0ugleiki gefur \u00fe\u00e9r hugarr\u00f3 og gerir \u00fe\u00e9r kleift a\u00f0 einbeita \u00fe\u00e9r a\u00f0 \u00fev\u00ed a\u00f0 b\u00e6ta \u00feig <a href=\"https:\/\/europedia24.com\/is\/leidarvisir-um-ad-skrifa-ferilskra-i-thyskalandi-lebenslauf-snidmat-og-leyndarmal-samthykktar\/\">ferilskr\u00e1in \u00fe\u00edn<\/a> samkv\u00e6mt \u00fe\u00fdskum st\u00f6\u00f0lum, a\u00f0 f\u00ednp\u00fassa \u00feitt <a href=\"https:\/\/europedia24.com\/is\/leidarvisir-um-ad-skrifa-kynningarbref-fyrir-vinnu-i-thyskalandi-anschreiben-leyndarmal-til-ad-sannfaera-radningaradila\/\">kynningarbr\u00e9f fyrir st\u00f6rf \u00ed \u00de\u00fdskalandi<\/a>, og byrja\u00f0u a\u00f0 s\u00e6kja um st\u00f3r t\u00e6kif\u00e6ri \u00ed gegnum <a href=\"https:\/\/europedia24.com\/is\/bestu-atvinnuleitarvettvangarnir-i-thyskalandi-yfirgripsmikil-leidarvisir-thinn-um-atvinnu\/\">bestu atvinnuleitarvettvangarnir \u00ed \u00de\u00fdskalandi<\/a> Til a\u00f0 tryggja langt\u00edma starfs\u00fer\u00f3un \u00fe\u00edna. <\/p>\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#0711e3\" class=\"has-inline-color\">Algengar spurningar um hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1691351593073\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hver er besti bankinn \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Deutsche Bank er einn besti banki \u00de\u00fdskalands, b\u00fd\u00f0ur vi\u00f0skiptavinum fj\u00f6lbreytta \u00fej\u00f3nustu og rekur margar \u00fatib\u00fa um allt land.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1691351614922\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Er h\u00e6gt a\u00f0 flytja peninga fr\u00e1 reikningi til annars utan \u00de\u00fdskalands?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>J\u00e1, h\u00e6gt er a\u00f0 flytja peninga fr\u00e1 reikningi til reiknings utan Evr\u00f3pu, en aukagj\u00f6ld munu fylgja til a\u00f0 lj\u00faka vi\u00f0skiptunum.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1778601140202\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Get \u00e9g opna\u00f0 bankareikning \u00ed \u00de\u00fdskalandi \u00e1\u00f0ur en \u00e9g fer \u00feanga\u00f0?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>J\u00e1, \u00feetta er a\u00f0eins m\u00f6gulegt fyrir loka\u00f0an reikning (Sperrkonto) fyrir nemendur e\u00f0a fyrir t\u00e6kif\u00e6riskorti\u00f0. \u00de\u00fa getur opna\u00f0 \u00fea\u00f0 \u00e1 netinu \u00ed gegnum vi\u00f0urkennda \u00fej\u00f3nustua\u00f0ila eins og Expatrio e\u00f0a Fintiba og millif\u00e6rt peninga fr\u00e1 heimalandi \u00fe\u00ednu. Hins vegar er a\u00f0eins h\u00e6gt a\u00f0 opna venjulegan vi\u00f0skiptareikning (Girokonto) eftir komu til \u00de\u00fdskalands.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1778601230829\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hva\u00f0a Girocard e\u00f0a EC kort er algengt \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u00deetta er sta\u00f0bundi\u00f0 \u00fe\u00fdskt debetkort. \u00dea\u00f0 er \u00f6\u00f0ruv\u00edsi en Visa e\u00f0a Mastercard. \u00de\u00fa munt taka eftir \u00fev\u00ed a\u00f0 sumar verslanir og litlar bakar\u00ed \u00ed \u00de\u00fdskalandi taka a\u00f0eins vi\u00f0 Girocard-grei\u00f0slum. \u00deess vegna er m\u00e6lt me\u00f0 a\u00f0 tryggja a\u00f0 \u00fe\u00fa f\u00e1ir \u00feetta kort \u00feegar \u00fe\u00fa velur hef\u00f0bundinn banka til a\u00f0 au\u00f0velda daglegar f\u00e6rslur \u00fe\u00ednar.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-white-color has-vivid-cyan-blue-background-color has-text-color has-background has-link-color wp-elements-0a389afc3a43c68e077c6ceb7a74e596 wp-block-paragraph\"><strong>Viltu frekar hef\u00f0bundi\u00f0 \u00f6ryggi hef\u00f0bundinna banka e\u00f0a sveigjanleika snjallra stafr\u00e6na forrita? Deildu \u00ed athugasemdum hva\u00f0a tegund banka \u00fe\u00fa ert a\u00f0 hugsa um a\u00f0 nota, og vi\u00f0 munum strax segja \u00fe\u00e9r fr\u00e1 gj\u00f6ldum og kostum!  <\/strong><\/p>\n\n\n<!-- europedia-eeat-intent-v1 -->\n<section class=\"europedia-eeat-intent\" data-eeat-section=\"germany\" data-eeat-intent=\"study\">\n<h2>Stutt svar vi\u00f0 leitar\u00e1setningi<\/h2>\n<p>Hvort sem \u00fe\u00fa ert n\u00fdr \u00ed n\u00e1mi, hefur \u00feegar byrja\u00f0 \u00ed starfi e\u00f0a n\u00fdlega komi\u00f0 til a\u00f0 leita a\u00f0 atvinnut\u00e6kif\u00e6rum, \u00fe\u00e1 er eitt af fyrstu lagalegu og fj\u00e1rhagslegu skrefunum sem \u00fe\u00fa \u00fearft a\u00f0 taka a\u00f0 l\u00e6ra hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi. \u00cd hagn\u00fdtum skilningi: byrja\u00f0u \u00e1 innt\u00f6kuskilyr\u00f0um, tungum\u00e1lareglum og fj\u00e1rm\u00f6gnun, og sta\u00f0festu svo n\u00e1kv\u00e6ma s\u00ed\u00f0u h\u00e1sk\u00f3lans e\u00f0a n\u00e1msbrautarinnar \u00e1\u00f0ur en \u00fe\u00fa grei\u00f0ir gj\u00f6ld e\u00f0a skipuleggur fer\u00f0alag.<\/p>\n\n<h2>Fyrir hvern \u00feessi lei\u00f0arv\u00edsir er<\/h2>\n<p>\u00deetta efni er skrifa\u00f0 fyrir al\u00fej\u00f3\u00f0lega og arab\u00edska nemendur til a\u00f0 bera saman n\u00e1msm\u00f6guleika, kostna\u00f0 og innt\u00f6kulei\u00f0ir \u00ed \u00de\u00fdskalandi. Vi\u00f0b\u00e6ttu athugunarpunktarnir hj\u00e1lpa lesendum a\u00f0 gera uppl\u00fdsingarnar a\u00f0 \u00f6ruggari og hagn\u00fdtari \u00e1kv\u00f6r\u00f0un \u00ed sta\u00f0 \u00feess a\u00f0 treysta \u00e1 almenna e\u00f0a \u00farelta samantekt.<\/p>\n\n<h2>\u00c1\u00f0ur en \u00fe\u00fa treystir \u00e1 uppl\u00fdsingarnar<\/h2>\n<ul>\n<li>Ber\u00f0u greinina saman vi\u00f0 vefs\u00ed\u00f0u h\u00e1sk\u00f3lans e\u00f0a DAAD \u00fear sem kr\u00f6fur eru mismunandi eftir n\u00e1mi og r\u00edki.<\/li><li>Athuga\u00f0u reglur um misserigj\u00f6ld, sj\u00fakratryggingar, h\u00fasn\u00e6\u00f0i og reglur um s\u00f6nnun fj\u00e1rmuna \u00ed sta\u00f0 \u00feess a\u00f0 treysta \u00e1 einn me\u00f0alkostna\u00f0.<\/li><li>Fylgstu me\u00f0 skilafrestum og nau\u00f0synlegum skj\u00f6lum \u00ed einni lista svo ums\u00f3knargluggi gleymist ekki.<\/li>\n<\/ul>\n\n<h2>Opinberar og \u00e1rei\u00f0anlegar heimildir<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.daad.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">PABBI<\/a><\/li><li><a href=\"https:\/\/www.study-in-germany.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">N\u00e1m \u00ed \u00de\u00fdskalandi<\/a><\/li><li><a href=\"https:\/\/www.make-it-in-germany.com\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">Ger\u00f0u \u00fea\u00f0 \u00ed \u00de\u00fdskalandi<\/a><\/li>\n<\/ul>\n\n<h2>Algengar spurningar<\/h2>\n<h3>Geta sm\u00e1atri\u00f0i veri\u00f0 mismunandi milli \u00fe\u00fdskra r\u00edkja?<\/h3>\n<p>J\u00e1. Var\u00f0andi n\u00e1m, vinnu, h\u00fasn\u00e6\u00f0i og sta\u00f0bundna \u00fej\u00f3nustu geta uppl\u00fdsingar veri\u00f0 mismunandi eftir r\u00edki, borg e\u00f0a yfirv\u00f6ldum. Athuga\u00f0u alltaf hver \u00e1byrgur a\u00f0ili er fyrir \u00fea\u00f0 sv\u00e6\u00f0i sem \u00fe\u00fa mi\u00f0ar \u00e1.<\/p>\n<h3>Kemur \u00feessi grein \u00ed sta\u00f0 opinberra lei\u00f0beininga?<\/h3>\n<p>Nei. Greinin \u00fatsk\u00fdrir samhengi og gefur hagn\u00fdta athugunarpunkta, en h\u00fan kemur ekki \u00ed sta\u00f0 opinberra vefs\u00ed\u00f0na e\u00f0a s\u00e9rh\u00e6f\u00f0rar r\u00e1\u00f0gjafar \u00feegar lagaleg e\u00f0a fj\u00e1rhagsleg \u00e1kv\u00f6r\u00f0un er til sta\u00f0ar.<\/p>\n<p><strong>Ritstj\u00f3rnarathugasemd:<\/strong> \u00deetta efni var ritstj\u00f3rnarlega yfirfari\u00f0 11. j\u00fal\u00ed 2026, me\u00f0 sk\u00fdrari sv\u00f6rum var\u00f0andi leitar\u00e1setning, opinberum heimildum og hagn\u00fdtum sta\u00f0festingarpunktum.<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Hvort sem \u00fe\u00fa ert n\u00fdr \u00ed n\u00e1mi, hefur \u00feegar byrja\u00f0 \u00ed starfi e\u00f0a n\u00fdlega komi\u00f0 til a\u00f0 leita a\u00f0 atvinnut\u00e6kif\u00e6rum, \u00fe\u00e1 er eitt af fyrstu lagalegu og fj\u00e1rhagslegu skrefunum sem \u00fe\u00fa \u00fearft a\u00f0 taka a\u00f0 l\u00e6ra hvernig \u00e1 a\u00f0 opna bankareikning \u00ed \u00de\u00fdskalandi. \u00c1n \u00feess a\u00f0 hafa sta\u00f0bundinn bankareikning munt \u00fe\u00fa ekki geta fengi\u00f0 m\u00e1na\u00f0arlaun &hellip;<\/p>\n","protected":false},"author":1,"featured_media":13130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[599],"tags":[],"class_list":["post-24238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thyskaland"],"_links":{"self":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/comments?post=24238"}],"version-history":[{"count":1,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24238\/revisions"}],"predecessor-version":[{"id":28197,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24238\/revisions\/28197"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/media\/13130"}],"wp:attachment":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/media?parent=24238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/categories?post=24238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/tags?post=24238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}