{"id":267,"date":"2023-07-07T12:52:18","date_gmt":"2023-07-07T12:52:18","guid":{"rendered":"https:\/\/freelance4u.net\/?p=267"},"modified":"2023-07-09T06:51:59","modified_gmt":"2023-07-09T06:51:59","slug":"najpovoljniji-nacini-za-prosledivanje-novca-na-nase-racune","status":"publish","type":"post","link":"https:\/\/freelance4u.net\/index.php\/2023\/07\/07\/najpovoljniji-nacini-za-prosledivanje-novca-na-nase-racune\/","title":{"rendered":"Najpovoljniji na\u010dini za prosle\u0111ivanje novca na na\u0161e ra\u010dune"},"content":{"rendered":"\n<pre class=\"wp-block-verse\">\u201cI saw a bank that said '24 Hour Banking,' but I didn\u2019t have that much time.\u201d\n\u2015 <em>Steven Wright<\/em><\/pre>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" src=\"https:\/\/freelance4u.net\/wp-content\/uploads\/2023\/07\/The-Cheapest-Ways-to-Send-Money.png\" alt=\"\" class=\"wp-image-297\" srcset=\"https:\/\/freelance4u.net\/wp-content\/uploads\/2023\/07\/The-Cheapest-Ways-to-Send-Money.png 750w, https:\/\/freelance4u.net\/wp-content\/uploads\/2023\/07\/The-Cheapest-Ways-to-Send-Money-480x320.png 480w\" sizes=\"auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 750px, 100vw\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><\/p>\n<cite>https:\/\/pin.it\/2S9rFla<\/cite><\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Za po\u010detak u ovom \u010dlanku \u0107u preneti neka li\u010dna iskustva a vremenom \u0107emo ga zajedno oboga\u0107ivati novim. Ako imate zanimljivo li\u010dno iskustvo slobodno nam se javite i napravi\u0107emo od toga poseban tekst ili blog.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Da li je nu\u017eno da se novac prebaci na na\u0161e ra\u010dune? Nije jer mo\u017ee da se tro\u0161 i direktno sa <a href=\"https:\/\/www.paypal.com\/rs\/home\">PayPal<\/a>-a ili drugih plaformi (<a href=\"https:\/\/www.payoneer.com\/rs\/\">Payoneer<\/a> ili <a href=\"https:\/\/www.revolut.com\/\">Revolut<\/a> (kada proradi kod nas) itd.) ali ako \u017eelite da ga koristite preko na\u0161e bankovne kartice ili da vr\u0161ite pla\u0107anja sa ra\u010duna ili podignete gotovinu onda je to neophodno.<br><br><\/li>\n\n\n\n<li>Da li prebaciti na ra\u010dun u dinarima ili drugim valutama (naj\u010de\u0161\u0107e evro i dolar). Po mom iskustvu najbolje je u dinarima i evrima. U vreme kada sam se raspitivao oko ovoga na\u0161ao sam i tabelu sa spiskom banaka i kakvo je stanje sa provizijama i primanjem novca iz inostranstva na teku\u0107e i \u0161tedne ra\u010dune u dinarima i drugim valutama. \u010cim budem ponovo na\u0161ao tu tabelu postavi\u0107u je i ovde.<br><br><\/li>\n\n\n\n<li>Prvo iskustvo sa ovim sam imao kao frilaser po\u010detnik pre desetak godina. Tada se Upwork zvao Elance i bilo je najlak\u0161e povezati ga sa Peyoneer platformom uz zna\u010dajne popuste i besplatnu Master karticu koju je bilo mogu\u0107e koristiti i u Srbiji i bilo gde u svetu. Sve je funkcionisalo brzo i transparentno i bez velikih provizja. Danas Payoneer ima svoje odeljak u Srbiji i bilo bi zanimljivo da nam napi\u0161ete va\u0161a iskustva kako bi ih objavili i stavili na raspolaganje svima zainteresovanima.<br><br><\/li>\n\n\n\n<li>Kao frilenser ja trenutno koristim <a href=\"https:\/\/www.upwork.com\/\">Upwork<\/a> i <a href=\"https:\/\/www.paypal.com\/rs\/home\">PayPal<\/a> povezan sa ra\u010dunom u <a href=\"https:\/\/www.unicreditbank.rs\/rs\/pi.html#home\">UniCredit<\/a> banci i opisa\u0107u kako izgleda prodecura u ovakvoj kombinaciji:<br><br>\n<ul class=\"wp-block-list\">\n<li>Kada poslodavac uplati novac za obavljen posao na Upwork nalog on ostaje &#8220;zarobljen&#8221; pet dana iz razloga bezbednosti i mogu\u0107eg prigovora poslodavca.<br><br><\/li>\n\n\n\n<li>Nakon toga mo\u017ee da se prebaci na PayPal nalog i provizija za to je 1$ (sve transakcija na Upwrok su isklju\u010divo u dolarima a detaljniji prikaz platforme imate u <a href=\"https:\/\/freelance4u.net\/index.php\/2023\/07\/06\/najbolja-platforma-za-frilensere\/\">ovom blogu<\/a>).<br><br><\/li>\n\n\n\n<li>Kada novac (u dolarima) legne na PayPal (u daljem tekstu: pp) nalog mo\u017ee se desiti ako su vam to prvi prihodi ili uop\u0161te ili nakon du\u017eeg vremena da i pp zadr\u017ei deo novca od jedne do tri nedelje a da vam ostatak bude odmah na raspolaganju.<br><br><\/li>\n\n\n\n<li>U pp pode\u0161avanjima za aktuelnu transakciju mogu\u0107e je promeniti neke parametre tako da novac ne \u010dekate tri nedelje nego nedelju dana kao i da podnesete zahtev za pove\u0107anje limita slobodnog novca za slede\u0107e transakcije.<\/li>\n\n\n\n<li>PP omogu\u0107ava i da kreirate fakture tj. ra\u010dune i po\u0161aljete ih poslodavcima (ako imaju pp nalog) i da tako i oni i vi imate evidenciju za potrebe knjigovodstva i poreza.<br><br><\/li>\n\n\n\n<li>PP mora da bude povezan za karticom iz na\u0161e banke (Visa debitna provereno radi a u bankama ka\u017eu da radi i Master) a koja je povezana sa teku\u0107im dinarskim ili deviznim ra\u010dunom.<br><br><\/li>\n\n\n\n<li>U mojoj banci je mogu\u0107e prebaciti novac u dinarima i evrima dok direktan transfer dolara sa pp na dolarski ra\u010dun nije mogu\u0107e.<br><br><\/li>\n\n\n\n<li>Dodatno je pp mogu\u0107e podesiti da dolarska (ili neka druga sredstva) prebacite u dolarima, evrima itd. ali se onda primenjuje pp devizni kurs koji je obi\u010dno nepovoljniji od kurseva koji se primenju na karticama tako da ja to ne koristim.<br><br><\/li>\n\n\n\n<li>Novac sa pp se u Srbiju \u0161alje uvek preko kartice jer pp ne omogu\u0107ava za sada direktno povezivanje sa bankovnim ra\u010dunima u Srbiji.<br><br><\/li>\n\n\n\n<li>Kada se pokrene transfer novca sa pp na karticu dobija se:\n<ul class=\"wp-block-list\">\n<li>izbor za iznos novca<\/li>\n\n\n\n<li>vrstu transfera: brzi i regularni (kako \u0107e to raditi zavisi od banke kao i da li \u0107e biti razlike izme\u0111u brzog i regularnog)<\/li>\n\n\n\n<li>informaciju za obra\u010dunate provizije (i eventualno konverzije)<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Regularni transfer nisam probao a sa brzim novac obi\u010dno stigne za jedan dan ako se pokrene ujutro a za par dana ako se pokrene uve\u010de ili pred vikend.<br><br><\/li>\n\n\n\n<li>Konverzija se obavlja po ban\u010dinom kursu koji prili\u010dno realan i novac je odmah posle toga dostupan. Mo\u017ee se desiti da na ra\u010dunu vidite prvo privremenu transakciju sa jednim iznosima a kasnije kona\u010dnu sa ta\u010dnim i to ima veze sa sistemom banke koji obra\u0111uje transakcije iz inostranstva.<br><br><\/li>\n\n\n\n<li>Po mojim saznanjima ceo bankarski sektor evrope i balkana je pod evrom i sve me\u0111ubankarske transakcije se obavljaju u toj valuti \u0161to zna\u010di da ako se novac \u0161alje ili prima u drugim valutama onda dolazi do vi\u0161estrukih nepovoljnih konverzija. To zna\u010di da je za Srbiju najpovolnije slati doma\u010duj valuti dinar ili valuti cele regije evro.<br><br><\/li>\n\n\n\n<li>Ako mi poslodavac upla\u0107uje direktno na pp onda provizija nije 1$ kao sa Upworka (jer su i pp i Upwrok u SAD) nego je druga\u010dija u zavisnosti od zemlje o kojoj je re\u010d i za to postoje <a href=\"https:\/\/www.paypal.com\/rs\/webapps\/mpp\/merchant-fees\">detaljne tabele na pp sajtu<\/a>.<br><br><\/li>\n\n\n\n<li>Za takve prilive pp napla\u0107uje proviziju koja se sastoji iz procentualnog i fiksnog dela, procentualni je vezan za zemlju porekla a fiksni za valutu i onda se kombinacijom ta dva dobija kona\u010dna provizija.<br><br><\/li>\n\n\n\n<li>Sve u svemu za ve\u0107inu evropskih zemalja ne bi trebalo da ukupna provizija pp (plus eventualna konverzija banke) ne pre\u0111u 5% od upla\u0107enog iznosa.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u201cI saw a bank that said &#8217;24 Hour Banking,&#8217; but I didn\u2019t have that much time.\u201d \u2015 Steven Wright https:\/\/pin.it\/2S9rFla Za po\u010detak u ovom \u010dlanku \u0107u preneti neka li\u010dna iskustva a vremenom \u0107emo ga zajedno oboga\u0107ivati novim. Ako imate zanimljivo li\u010dno iskustvo slobodno nam se javite i napravi\u0107emo od toga poseban tekst ili blog.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[9,1],"tags":[],"class_list":["post-267","post","type-post","status-publish","format-standard","hentry","category-freelancer","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Najpovoljniji na\u010dini za prosle\u0111ivanje novca na na\u0161e ra\u010dune - freealance4u<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/freelance4u.net\/index.php\/2023\/07\/07\/najpovoljniji-nacini-za-prosledivanje-novca-na-nase-racune\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Najpovoljniji na\u010dini za prosle\u0111ivanje novca na na\u0161e ra\u010dune - freealance4u\" \/>\n<meta property=\"og:description\" content=\"\u201cI saw a bank that said &#039;24 Hour Banking,&#039; but I didn\u2019t have that much time.\u201d \u2015 Steven Wright https:\/\/pin.it\/2S9rFla Za po\u010detak u ovom \u010dlanku \u0107u preneti neka li\u010dna iskustva a vremenom \u0107emo ga zajedno oboga\u0107ivati novim. 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