{"id":27,"date":"2025-11-05T13:32:56","date_gmt":"2025-11-05T13:32:56","guid":{"rendered":"https:\/\/moneyo.cz\/blog\/?p=27"},"modified":"2025-12-30T14:30:04","modified_gmt":"2025-12-30T14:30:04","slug":"patria-finance","status":"publish","type":"post","link":"https:\/\/www.moneyo.cz\/blog\/patria-finance\/","title":{"rendered":"Patria Finance recenze 2026: poplatky, ETF a DIP bez nejasnost\u00ed"},"content":{"rendered":"<div class=\"patria-review\" id=\"patria-recenze\">\r\n<nav class=\"pr-breadcrumb\" aria-label=\"Drobe\u010dkov\u00e1 navigace\"><a href=\"https:\/\/www.moneyo.cz\/\">Moneyo.cz<\/a><span aria-hidden=\"true\"> \/ <\/span><a href=\"https:\/\/www.moneyo.cz\/srovnani-brokeru\/\">Srovn\u00e1n\u00ed broker\u016f<\/a><span aria-hidden=\"true\"> \/ <\/span><span>Patria Finance<\/span><\/nav>\r\n<header class=\"pr-hero\">\r\n<p class=\"pr-eyebrow\">Recenze brokera \u00b7 stav k 13. 9. 2026<\/p>\r\n<h1>Patria Finance recenze 2026: poplatky, ETF a DIP bez nejasnost\u00ed<\/h1>\r\n<p class=\"pr-lead\">Patria d\u00e1v\u00e1 smysl investorovi, kter\u00fd chce vyb\u00edrat vlastn\u00ed akcie a ETF, vyu\u017e\u00edvat \u010deskou podporu a p\u0159\u00edpadn\u011b investovat p\u0159es DIP. U men\u0161\u00edch zahrani\u010dn\u00edch n\u00e1kup\u016f ale rozhoduje kombinace provize, sm\u011bny m\u011bny a pr\u016fb\u011b\u017en\u00e9 evidence. Uk\u00e1\u017eeme, co skute\u010dn\u011b plat\u00edte a kdy m\u00e1 smysl porovnat jin\u00e9 \u0159e\u0161en\u00ed.<\/p>\r\n<p class=\"pr-byline\">Autor: <a href=\"https:\/\/www.moneyo.cz\/autori\/pavel-stich\/\">Pavel \u0160tich<\/a> \u00b7 Aktualizov\u00e1no a ov\u011b\u0159eno <time datetime=\"2026-09-13\">13. 9. 2026<\/time><\/p>\r\n<div class=\"pr-facts\"><div><strong>Od 500 K\u010d<\/strong><span>pravideln\u00e1 investice<\/span><\/div><div><strong>0,8 % \/ 0,4 %<\/strong><span>n\u00e1kup ETF b\u011b\u017en\u011b \/ v DIP<\/span><\/div><div><strong>1,5 %<\/strong><span>standardn\u00ed m\u011bnov\u00e1 konverze<\/span><\/div><\/div>\r\n<a class=\"pr-cta\" href=\"https:\/\/www.moneyo.cz\/patria\/zalozit-ucet\/\" target=\"_blank\" rel=\"sponsored nofollow noopener\">Zalo\u017eit \u00fa\u010det zdarma<\/a>\r\n<p class=\"pr-small\">Partnersk\u00fd odkaz na Patrii. Moneyo m\u016f\u017ee z\u00edskat provizi. Zalo\u017een\u00ed \u00fa\u010dtu zdarma neznamen\u00e1 investov\u00e1n\u00ed bez n\u00e1klad\u016f. Hodnota investic m\u016f\u017ee klesnout.<\/p>\r\n<\/header>\r\n<nav class=\"pr-toc\" aria-label=\"Obsah recenze\"><strong>Co v\u00e1s zaj\u00edm\u00e1?<\/strong><ul><li><a href=\"#verdikt\">Komu se Patria vyplat\u00ed<\/a><\/li><li><a href=\"#poplatky\">Aktu\u00e1ln\u00ed poplatky<\/a><\/li><li><a href=\"#modelove-naklady\">V\u00fdpo\u010dty v korun\u00e1ch<\/a><\/li><li><a href=\"#etf\">ETF a pravideln\u00e9 investice<\/a><\/li><li><a href=\"#etf-zdarma\">Podm\u00ednky ETF zdarma<\/a><\/li><li><a href=\"#dip\">DIP a da\u0148ov\u00e1 podpora<\/a><\/li><li><a href=\"#platforma\">WebTrader a zalo\u017een\u00ed \u00fa\u010dtu<\/a><\/li><li><a href=\"#vklady-vybery\">Vklady, v\u00fdb\u011bry a p\u0159evod<\/a><\/li><li><a href=\"#bezpecnost\">Bezpe\u010dnost a ochrana majetku<\/a><\/li><li><a href=\"#alternativy\">Srovn\u00e1n\u00ed alternativ<\/a><\/li><li><a href=\"#faq\">\u010cast\u00e9 ot\u00e1zky<\/a><\/li><li><a href=\"#metodika\">Metodika a zdroje<\/a><\/li><\/ul><\/nav>\r\n\r\n<section id=\"verdikt\"><h2>Vyplat\u00ed se Patria Finance? N\u00e1\u0161 verdikt<\/h2>\r\n<p><strong>Za nejsiln\u011bj\u0161\u00ed str\u00e1nku Patrie pova\u017eujeme spojen\u00ed \u010desk\u00e9 burzy, m\u00edstn\u00edho servisu a mo\u017enosti vlastn\u00edho v\u00fdb\u011bru investic v DIP.<\/strong> U pravideln\u00fdch ETF odpad\u00e1 fixn\u00ed \u010d\u00e1st n\u00e1kupn\u00ed provize. Pro \u010d\u00e1st klient\u016f \u010cSOB je nav\u00edc n\u00e1kupn\u00ed poplatek do\u010dasn\u011b odpu\u0161t\u011bn. V\u00fdhodnost v\u0161ak v\u017edy po\u010d\u00edtejte i s m\u011bnovou konverz\u00ed, evidenc\u00ed a n\u00e1klady konkr\u00e9tn\u00edho fondu.<\/p>\r\n<div class=\"pr-columns\"><div class=\"pr-panel\"><h3>Patrii za\u0159a\u010fte do v\u00fdb\u011bru, pokud\u2026<\/h3><ul><li>Chcete nakupovat \u010desk\u00e9 akcie a pot\u0159ebujete servis v \u010de\u0161tin\u011b.<\/li><li>Hled\u00e1te DIP, v n\u011bm\u017e si sami vyberete akcie \u010di ETF.<\/li><li>Budujete dlouhodob\u00e9 portfolio a zvl\u00e1dnete si hl\u00eddat m\u011bnu, n\u00e1klady a slo\u017een\u00ed investic.<\/li><li>Ji\u017e spl\u0148ujete podm\u00ednky n\u011bkter\u00e9 z akc\u00ed \u010cSOB a vyu\u017eijete pravideln\u00e9 n\u00e1kupy ETF.<\/li><\/ul><\/div><div class=\"pr-panel\"><h3>Jin\u00e9 \u0159e\u0161en\u00ed porovnejte, pokud\u2026<\/h3><ul><li>Chcete \u010dasto nakupovat jednotliv\u00e9 zahrani\u010dn\u00ed akcie za mal\u00e9 \u010d\u00e1stky.<\/li><li>Hled\u00e1te automaticky spravovan\u00e9 portfolio bez vlastn\u00edho v\u00fdb\u011bru fond\u016f.<\/li><li>Pot\u0159ebujete ka\u017edou frak\u010dn\u00ed pozici rychle prodat nebo jednodu\u0161e p\u0159ev\u00e9st jinam.<\/li><li>Vyb\u00edr\u00e1te slu\u017ebu jen podle hesla \u201eETF zdarma\u201c a nezn\u00e1te zb\u00fdvaj\u00edc\u00ed n\u00e1klady.<\/li><\/ul><\/div><\/div>\r\n<p>Patria Finance, a.s., I\u010cO 26455064, pat\u0159\u00ed do skupiny \u010cSOB a podl\u00e9h\u00e1 dohledu \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Nab\u00edz\u00ed obchodov\u00e1n\u00ed s akciemi, ETF a dal\u0161\u00edmi n\u00e1stroji. Konkr\u00e9tn\u00ed dostupnost z\u00e1vis\u00ed na trhu, klientsk\u00e9 kategorii a podm\u00ednk\u00e1ch produktu. Zna\u010dku brokera neple\u0165te se zpravodajstv\u00edm Patria.cz ani s automatizovanou slu\u017ebou indigo. <a href=\"https:\/\/finance.patria.cz\/patria-finance\/o-patria-finance\">Profil spole\u010dnosti<\/a>.<\/p>\r\n<\/section>\r\n\r\n<section id=\"poplatky\"><h2>Patria poplatky: co plat\u00ed k 13. z\u00e1\u0159\u00ed 2026<\/h2>\r\n<p>Vych\u00e1z\u00edme ze <a href=\"https:\/\/cdn.patria.cz\/Sazebnik-PD.pdf\">sazebn\u00edku \u00fa\u010dinn\u00e9ho od 1. 7. 2026<\/a>. Tabulka rozli\u0161uje jednor\u00e1zov\u00e9 internetov\u00e9 pokyny a pravideln\u00e9 investice. Telefonick\u00e9 obchodov\u00e1n\u00ed nebo slu\u017eba makl\u00e9\u0159e maj\u00ed jin\u00e9 sazby. Uveden\u00e9 provize nep\u0159edstavuj\u00ed kompletn\u00ed n\u00e1klad dr\u017een\u00ed investice.<\/p>\r\n<div class=\"pr-table\" role=\"region\" aria-label=\"P\u0159ehled obchodn\u00edch poplatk\u016f\" tabindex=\"0\"><table><caption>Z\u00e1kladn\u00ed sazby Patrie pro b\u011b\u017en\u00e9ho klienta<\/caption><thead><tr><th scope=\"col\">Slu\u017eba<\/th><th scope=\"col\">Sazba<\/th><th scope=\"col\">Co zkontrolovat<\/th><\/tr><\/thead><tbody>\r\n<tr><th scope=\"row\">Akcie na BCPP, objem do 99 999 K\u010d<\/th><td>0,35 %, nejm\u00e9n\u011b 30 K\u010d<\/td><td>P\u0159i\u010d\u00edt\u00e1 se burzovn\u00ed poplatek; do 30. 6. 2026 bylo minimum 80 K\u010d.<\/td><\/tr>\r\n<tr><th scope=\"row\">USA: Nasdaq \/ NYSE, do 49 999 K\u010d<\/th><td>2,90 USD + 0,30 %<\/td><td>Pevn\u00e1 a procentn\u00ed \u010d\u00e1st se s\u010d\u00edtaj\u00ed. Hranice p\u00e1sma je v K\u010d.<\/td><\/tr>\r\n<tr><th scope=\"row\">N\u011bmecko: Xetra, do 49 999 K\u010d<\/th><td>4,90 EUR + 0,30 %<\/td><td>Nen\u00ed to sazba pro v\u0161echny n\u011bmeck\u00e9 burzy.<\/td><\/tr>\r\n<tr><th scope=\"row\">USA \/ Xetra, 50 000\u201399 999 K\u010d<\/th><td>2,90 USD \/ 4,90 EUR + 0,20 %<\/td><td>Procento se pou\u017eije na objem obchodu, nikoliv jen na \u010d\u00e1st nad hranic\u00ed.<\/td><\/tr>\r\n<tr><th scope=\"row\">USA \/ Xetra, 100 000\u2013249 999 K\u010d<\/th><td>2,90 USD \/ 4,90 EUR + 0,15 %<\/td><td>Vy\u0161\u0161\u00ed objemy maj\u00ed dal\u0161\u00ed p\u00e1sma.<\/td><\/tr>\r\n<tr><th scope=\"row\">Pravideln\u00fd n\u00e1kup ETF \/ ETC<\/th><td>0,8 %; v DIP n\u00e1kup 0,4 %<\/td><td>Bez fixn\u00edho minima. Neplat\u00ed automaticky pro jednor\u00e1zov\u00fd burzovn\u00ed pokyn.<\/td><\/tr>\r\n<tr><th scope=\"row\">Prodej v re\u017eimu pravideln\u00fdch investic<\/th><td>0,8 %<\/td><td>Sleva za DIP je n\u00e1kupn\u00ed; neznamen\u00e1 polovi\u010dn\u00ed prodejn\u00ed poplatek.<\/td><\/tr>\r\n<tr><th scope=\"row\">M\u011bnov\u00e1 konverze<\/th><td>1,5 %<\/td><td>Jde o odchylku od tr\u017en\u00edho kurzu. Individu\u00e1ln\u00ed \u010di ak\u010dn\u00ed podm\u00ednky se mohou li\u0161it.<\/td><\/tr>\r\n<\/tbody><\/table><\/div>\r\n<h3>\u010cesk\u00e9 akcie: k provizi p\u0159ipo\u010dt\u011bte burzu<\/h3>\r\n<p>U titul\u016f, kde je Patria tv\u016frcem trhu, sazebn\u00edk uv\u00e1d\u00ed burzovn\u00ed p\u0159\u00edplatek 0,01 %; u ostatn\u00edch 0,04 %. V obou p\u0159\u00edpadech nejm\u00e9n\u011b 10 K\u010d a nejv\u00fd\u0161e 4 000 K\u010d. V\u00fdjimku maj\u00ed uveden\u00e9 obchody na Free Marketu, kde Patria p\u016fsob\u00ed jako patron emise. Proto reklamn\u00ed minimum 30 K\u010d nemus\u00ed b\u00fdt kone\u010dn\u00e1 cena pokynu.<\/p>\r\n<p><strong>Pozor na hranici 100 000 K\u010d.<\/strong> PDF pro p\u00e1smo 100 000\u2013299 999 K\u010d uv\u00e1d\u00ed provizi 200 K\u010d + 0,30 %. P\u0159esn\u00fd pokyn za 100 000 K\u010d tak podle tohoto p\u00e1sma znamen\u00e1 500 K\u010d p\u0159ed burzovn\u00edm p\u0159\u00edplatkem. Marketingov\u00fd p\u0159\u00edklad na webu pou\u017e\u00edv\u00e1 zjednodu\u0161enou formulaci \u201edo 100 tis\u00edc\u201c. U hrani\u010dn\u00ed \u010d\u00e1stky ov\u011b\u0159te n\u00e1kladov\u00fd p\u0159ehled pokynu a \u0159i\u010fte se platn\u00fdm sazebn\u00edkem.<\/p>\r\n<figure><a href=\"https:\/\/www.moneyo.cz\/images\/patria\/patria-cenik-2026-09-13.png\"><img src=\"https:\/\/www.moneyo.cz\/images\/patria\/patria-cenik-2026-09-13.png\" width=\"1265\" height=\"712\" loading=\"lazy\" decoding=\"async\" alt=\"Ve\u0159ejn\u00fd p\u0159ehled cen\u00edku Patria Finance se sazbami pro \u010desk\u00e9 akcie, USA, Evropu, m\u011bnovou konverzi a pravideln\u00e9 ETF\"><\/a><figcaption>Sn\u00edmek <a href=\"https:\/\/finance.patria.cz\/o-nas\/cenik\">ofici\u00e1ln\u00edho cen\u00edku Patrie<\/a>, po\u0159\u00edzen\u00fd 13. 9. 2026. Jde o stru\u010dn\u00fd webov\u00fd p\u0159ehled; konkr\u00e9tn\u00ed p\u00e1sma a p\u0159\u00edplatky ov\u011b\u0159ujeme v PDF. Kliknut\u00edm sn\u00edmek zv\u011bt\u0161\u00edte.<\/figcaption><\/figure>\r\n<h3>Veden\u00ed \u00fa\u010dtu zdarma nen\u00ed evidence investic zdarma<\/h3>\r\n<p>S elektronick\u00fdmi v\u00fdpisy je veden\u00ed eviden\u010dn\u00edho \u00fa\u010dtu bez poplatku. Sazebn\u00edk ale zvl\u00e1\u0161\u0165 \u00fa\u010dtuje evidenci cenn\u00fdch pap\u00edr\u016f. Pro b\u011b\u017en\u00e9 zahrani\u010dn\u00ed akcie a ETF spadaj\u00edc\u00ed do kategorie ostatn\u00edch zahrani\u010dn\u00edch CP jde o <strong>0,12 % ro\u010dn\u011b + DPH<\/strong>. P\u0159i 21% DPH je v\u00fdpo\u010det 0,12 % \u00d7 1,21 = <strong>0,1452 % ro\u010dn\u011b<\/strong>. U \u010desk\u00fdch k\u00f3tovan\u00fdch akci\u00ed evidovan\u00fdch v CDCP do 15 milion\u016f K\u010d jde o 0,05 % + DPH, tedy 0,0605 % p\u0159i stejn\u00e9 sazb\u011b DPH. Kategorie nejsou zam\u011bniteln\u00e9.<\/p>\r\n<p>Evidence se po\u010d\u00edt\u00e1 z pr\u016fm\u011brn\u00e9ho denn\u00edho objemu a \u00fa\u010dtuje m\u011bs\u00ed\u010dn\u011b. ADR, n\u011bkter\u00e9 dal\u0161\u00ed cenn\u00e9 pap\u00edry a dopl\u0148kov\u00e9 slu\u017eby maj\u00ed zvl\u00e1\u0161tn\u00ed podm\u00ednky. U ETF p\u0159ipo\u010dt\u011bte tak\u00e9 vnit\u0159n\u00ed n\u00e1klady fondu uveden\u00e9 v KID; ty se prom\u00edtaj\u00ed do hodnoty investice. Samostatn\u00fd standardn\u00ed poplatek za neaktivitu jsme v ov\u011b\u0159en\u00e9m sazebn\u00edku nena\u0161li, ale eviden\u010dn\u00ed n\u00e1klady mohou b\u011b\u017eet i bez obchodov\u00e1n\u00ed.<\/p>\r\n<\/section>\r\n\r\n<section id=\"modelove-naklady\"><h2>Kolik zaplat\u00edte v praxi: \u010dty\u0159i modelov\u00e9 situace<\/h2>\r\n<p>N\u00e1sleduj\u00edc\u00ed v\u00fdpo\u010dty jsou na\u0161e modely z ve\u0159ejn\u00fdch sazeb. Kurz <strong>25 K\u010d\/EUR<\/strong> slou\u017e\u00ed pouze pro n\u00e1zorn\u00fd p\u0159epo\u010det, nen\u00ed kurzem z 13. z\u00e1\u0159\u00ed ani nab\u00eddkou Patrie. Objem n\u00e1kupu znamen\u00e1 hodnotu nakupovan\u00fdch cenn\u00fdch pap\u00edr\u016f; pro poplatky po\u010d\u00edt\u00e1me s pen\u011bzi nav\u00edc. Dopad sm\u011bny zjednodu\u0161ujeme jako 1,5 % sm\u011b\u0148ovan\u00e9ho korunov\u00e9ho ekvivalentu. Konkr\u00e9tn\u00ed obchod se m\u016f\u017ee li\u0161it kv\u016fli kurzu, spreadu a zaokrouhlen\u00ed.<\/p>\r\n<div class=\"pr-table\" role=\"region\" aria-label=\"V\u00fdpo\u010dty n\u00e1klad\u016f investice\" tabindex=\"0\"><table><caption>Orienta\u010dn\u00ed po\u0159izovac\u00ed n\u00e1klady, bez evidence, TER a budouc\u00edho prodeje<\/caption><thead><tr><th scope=\"col\">Situace<\/th><th scope=\"col\">Provize<\/th><th scope=\"col\">Dal\u0161\u00ed zahrnut\u00fd n\u00e1klad<\/th><th scope=\"col\">Sou\u010det<\/th><\/tr><\/thead><tbody>\r\n<tr><th scope=\"row\">\u010cesk\u00e1 akcie za 10 000 K\u010d, b\u011b\u017en\u00fd \u00fa\u010det<\/th><td>35 K\u010d<\/td><td>Burza 10 K\u010d p\u0159i obou standardn\u00edch sazb\u00e1ch<\/td><td><strong>45 K\u010d (0,45 %)<\/strong><\/td><\/tr>\r\n<tr><th scope=\"row\">ETF na Xet\u0159e za 10 000 K\u010d, jednor\u00e1zov\u011b z ji\u017e dr\u017een\u00fdch EUR<\/th><td>122,50 + 30 K\u010d<\/td><td>Bez dal\u0161\u00ed sm\u011bny u Patrie<\/td><td><strong>152,50 K\u010d (1,525 %)<\/strong><\/td><\/tr>\r\n<tr><th scope=\"row\">Stejn\u00fd n\u00e1kup na Xet\u0159e, se sm\u011bnou K\u010d na EUR<\/th><td>152,50 K\u010d<\/td><td>Sm\u011bna p\u0159ibli\u017en\u011b 150 K\u010d<\/td><td><strong>302,50 K\u010d (3,025 %)<\/strong><\/td><\/tr>\r\n<tr><th scope=\"row\">ETF na Xet\u0159e za 50 000 K\u010d, se sm\u011bnou<\/th><td>122,50 + 100 K\u010d<\/td><td>Sm\u011bna p\u0159ibli\u017en\u011b 750 K\u010d<\/td><td><strong>972,50 K\u010d (1,945 %)<\/strong><\/td><\/tr>\r\n<\/tbody><\/table><\/div>\r\n<p>U prvn\u00edho \u0159\u00e1dku vych\u00e1z\u00ed 0,35 % z 10 000 K\u010d na 35 K\u010d. Burzovn\u00ed procento by znamenalo 1 nebo 4 K\u010d, proto se uplatn\u00ed minimum 10 K\u010d. Model nezahrnuje zvl\u00e1\u0161tn\u00ed v\u00fdjimku Free Marketu. U Xetry za 50 000 K\u010d u\u017e po\u010d\u00edt\u00e1me s p\u00e1smem 0,20 %.<\/p>\r\n<h3>Pravideln\u00e9 ETF: co ud\u011bl\u00e1 investice 1 000 K\u010d<\/h3>\r\n<div class=\"pr-table\" role=\"region\" aria-label=\"N\u00e1klad pravideln\u00e9 investice tis\u00edc korun\" tabindex=\"0\"><table><caption>Model jednoho n\u00e1kupu, p\u0159i pot\u0159eb\u011b sm\u011bny do EUR<\/caption><thead><tr><th scope=\"col\">Re\u017eim<\/th><th scope=\"col\">N\u00e1kup<\/th><th scope=\"col\">Model sm\u011bny<\/th><th scope=\"col\">Celkem p\u0159i n\u00e1kupu<\/th><\/tr><\/thead><tbody>\r\n<tr><th scope=\"row\">B\u011b\u017en\u00e9 portfolio<\/th><td>8 K\u010d<\/td><td>15 K\u010d<\/td><td>23 K\u010d<\/td><\/tr>\r\n<tr><th scope=\"row\">DIP bez dal\u0161\u00ed akce<\/th><td>4 K\u010d<\/td><td>15 K\u010d<\/td><td>19 K\u010d<\/td><\/tr>\r\n<tr><th scope=\"row\">Spln\u011bn\u00e1 akce pro aktivn\u00ed klienty \u010cSOB<\/th><td>0 K\u010d<\/td><td>15 K\u010d<\/td><td>15 K\u010d<\/td><\/tr>\r\n<tr><th scope=\"row\">Spln\u011bn\u00e1 akce pro mlad\u00e9 do 30 let v\u010detn\u011b<\/th><td>0 K\u010d<\/td><td>7,50 K\u010d<\/td><td>7,50 K\u010d<\/td><\/tr>\r\n<\/tbody><\/table><\/div>\r\n<p>U korunov\u00e9ho ETF bez sm\u011bny tato slo\u017eka odpadne. U EUR zaslan\u00fdch zven\u010d\u00ed mohou vzniknout n\u00e1klady jin\u00e9 banky \u010di sm\u011bn\u00e1rny. <strong>\u00daspora p\u0159i vstupu neodstra\u0148uje pr\u016fb\u011b\u017en\u00e9 n\u00e1klady.<\/strong> P\u0159i pr\u016fm\u011brn\u00e9 celoro\u010dn\u00ed hodnot\u011b 100 000 K\u010d v kategorii ostatn\u00edch zahrani\u010dn\u00edch CP vych\u00e1z\u00ed samotn\u00e1 evidence na 145,20 K\u010d v\u010detn\u011b 21% DPH. Modelov\u00e9 ETF s vnit\u0159n\u00edmi ro\u010dn\u00edmi n\u00e1klady 0,20 % p\u0159id\u00e1 p\u0159ibli\u017en\u011b 200 K\u010d. Dohromady jde o 345,20 K\u010d ro\u010dn\u011b p\u0159i nezm\u011bn\u011bn\u00e9 hodnot\u011b, je\u0161t\u011b p\u0159ed n\u00e1kupem, prodejem a p\u0159\u00edpadnou sm\u011bnou.<\/p>\r\n<p>Na konci investice se mohou n\u00e1klady zopakovat: p\u0159i prodeji pozice za 100 000 K\u010d v re\u017eimu pravideln\u00fdch investic \u010din\u00ed standardn\u00ed provize 800 K\u010d. P\u0159\u00edpadn\u00e1 sm\u011bna v\u00fdnosu do korun se \u00fa\u010dtuje zvl\u00e1\u0161\u0165. P\u0159ed porovn\u00e1n\u00edm broker\u016f si proto zvolte stejnou \u010d\u00e1stku, m\u011bnu, d\u00e9lku dr\u017een\u00ed a zp\u016fsob v\u00fdstupu. Pom\u016f\u017ee tak\u00e9 <a href=\"https:\/\/www.moneyo.cz\/etf-nakladovy-test\/\">n\u00e1kladov\u00fd test ETF<\/a>.<\/p>\r\n<\/section>\r\n\r\n<section id=\"etf\"><h2>Patria ETF a pravideln\u00e9 investice: jak funguj\u00ed<\/h2>\r\n<p>Jednor\u00e1zov\u00fd n\u00e1kup ETF zad\u00e1v\u00e1te jako burzovn\u00ed pokyn; provize z\u00e1vis\u00ed na trhu. <strong>Pravideln\u00e1 investice je samostatn\u00fd re\u017eim<\/strong> s procentn\u00edm poplatkem bez fixn\u00ed \u010d\u00e1sti. Patria ji umo\u017e\u0148uje od 500 K\u010d a ve ve\u0159ejn\u00e9m p\u0159ehledu p\u0159i revizi nab\u00edzela 97 ETF od iShares, Amundi a KBC. Rozhoduj\u00edc\u00ed je aktu\u00e1ln\u00ed <a href=\"https:\/\/finance.patria.cz\/investovani\/etf\/prehled-nabidky-etf-pro-pravidelne-investice\">seznam dostupn\u00fdch fond\u016f<\/a>, nikoliv po\u010det uveden\u00fd ve star\u0161\u00ed recenzi.<\/p>\r\n<ol><li>V aplikaci vyberete ETF, portfolio a \u010d\u00e1stku pravideln\u00e9 investice.<\/li><li>Zajist\u00edte dostate\u010dn\u00fd disponibiln\u00ed z\u016fstatek v\u010das p\u0159ed zpracov\u00e1n\u00edm.<\/li><li>Standardn\u00ed rozhodn\u00fd den je 15. den m\u011bs\u00edce, p\u0159\u00edpadn\u011b nejbli\u017e\u0161\u00ed n\u00e1sleduj\u00edc\u00ed obchodn\u00ed den.<\/li><li>N\u00e1kup m\u016f\u017ee zahrnovat zlomek jednotky ETF. Nejde o obecnou mo\u017enost kupovat frakce v\u0161ech jednotliv\u00fdch akci\u00ed.<\/li><\/ol>\r\n<p>Postup popisuje <a href=\"https:\/\/finance.patria.cz\/produkty-a-sluzby\/pravidelne-investovani\">ofici\u00e1ln\u00ed n\u00e1vod k pravideln\u00fdm investic\u00edm<\/a>. Automatick\u00fd n\u00e1kup za v\u00e1s nevyb\u00edr\u00e1 vhodn\u00e9 rozlo\u017een\u00ed portfolia. V\u00edce fond\u016f se stejn\u00fdmi nejv\u011bt\u0161\u00edmi akciemi tak\u00e9 nemus\u00ed znamenat v\u011bt\u0161\u00ed diverzifikaci. Pokud za\u010d\u00edn\u00e1te, projd\u011bte si <a href=\"https:\/\/www.moneyo.cz\/jak-zacit-investovat-do-etf\/\">pr\u016fvodce prvn\u00ed investic\u00ed do ETF<\/a>.<\/p>\r\n<h3>Korunov\u00e9 ETF a m\u011bnov\u00e9 riziko<\/h3>\r\n<p>V nab\u00eddce je nap\u0159\u00edklad bluesphere World Equity CZK Hedged, ISIN IE000YC7FPB6, veden\u00fd v CZK; ofici\u00e1ln\u00ed seznam uv\u00e1d\u00ed spr\u00e1vcovsk\u00fd poplatek 0,40 %. U t\u00e9to t\u0159\u00eddy je m\u011bnov\u00e9 zaji\u0161t\u011bn\u00ed sou\u010d\u00e1st\u00ed strategie. <strong>Samotn\u00e1 obchodn\u00ed m\u011bna CZK ale obecn\u011b nezaru\u010duje m\u011bnov\u00e9 zaji\u0161t\u011bn\u00ed.<\/strong> Kontrolujte konkr\u00e9tn\u00ed ISIN a KID. Zaji\u0161t\u011bn\u00ed m\u016f\u017ee tlumit kurzov\u00e9 v\u00fdkyvy, m\u00e1 n\u00e1klady a neodstra\u0148uje tr\u017en\u00ed ztr\u00e1ty.<\/p>\r\n<p>Nab\u00eddku americk\u00fdch ETF nelze spolehliv\u011b shrnout slibem \u201ekoup\u00edte v\u0161e, co jinde nejde\u201c. Dostupnost konkr\u00e9tn\u00edho fondu ov\u011b\u0159te u Patrie pro sv\u016fj typ \u00fa\u010dtu a klientskou kategorii. Rozli\u0161ujte americk\u00e9 akcie uvnit\u0159 fondu, americk\u00fd domicil ETF a evropsk\u00e9 UCITS ETF; jsou to odli\u0161n\u00e9 vlastnosti. Bez potvrzen\u00ed brokera nelze dostupnost konkr\u00e9tn\u00edho americk\u00e9ho tickeru pova\u017eovat za jistou.<\/p>\r\n<\/section>\r\n\r\n<section id=\"etf-zdarma\"><h2>Kdy jsou pravideln\u00e9 n\u00e1kupy ETF zdarma<\/h2>\r\n<p>Patria m\u00e1 dv\u011b odli\u0161n\u00e9 akce. Ob\u011b odpou\u0161t\u011bj\u00ed n\u00e1kupn\u00ed provizi za zp\u016fsobil\u00e9 pravideln\u00e9 ETF, <strong>nikoliv v\u0161echny n\u00e1klady investov\u00e1n\u00ed<\/strong>. U obou pravidla p\u0159i revizi uv\u00e1d\u011bla konec 31. 12. 2026; po\u0159adatel m\u016f\u017ee podm\u00ednky zm\u011bnit. Do dlouhodob\u00e9ho propo\u010dtu neprom\u00edtejte nulov\u00fd vstupn\u00ed poplatek nav\u017edy.<\/p>\r\n<h3>1. Aktivn\u00ed \u00fa\u010det \u010cSOB, Premium nebo Private Banking<\/h3>\r\n<p>Akce je ur\u010dena fyzick\u00fdm osob\u00e1m nepodnikatel\u016fm s b\u011b\u017en\u00fdm korunov\u00fdm \u00fa\u010dtem \u010cSOB\/Po\u0161tovn\u00ed spo\u0159itelny a smlouvou s Patri\u00ed. Sta\u010d\u00ed splnit jednu z cest: aktivn\u00ed pou\u017e\u00edv\u00e1n\u00ed \u00fa\u010dtu, \u010cSOB Premium nebo \u010cSOB Private Banking. P\u0159i aktivn\u00edm pou\u017e\u00edv\u00e1n\u00ed se posuzuje p\u0159edchoz\u00ed kalend\u00e1\u0159n\u00ed m\u011bs\u00edc: u v\u011bku 18\u201326 let v\u010detn\u011b alespo\u0148 p\u011bt plateb kartou, od 27 let tak\u00e9 zapo\u010ditateln\u00fd p\u0159\u00edjem nejm\u00e9n\u011b 15 000 K\u010d.<\/p>\r\n<p>Pravidla vylu\u010duj\u00ed n\u011bkter\u00e9 transakce a p\u0159esuny pen\u011bz mezi vlastn\u00edmi \u00fa\u010dty. Sleva se vztahuje na online n\u00e1kup v sekci Pravideln\u00e9 investice, ne na ka\u017ed\u00fd burzovn\u00ed pokyn ani na indigo. Standardn\u00ed m\u011bnov\u00e1 konverze se touto akc\u00ed sama nesni\u017euje. <a href=\"https:\/\/cdn.patria.cz\/Pravidelne-investice-do-ETF-zdarma.pdf\">\u00dapln\u00e9 podm\u00ednky akce \u010cSOB<\/a>.<\/p>\r\n<h3>2. Investo\u0159i ve v\u011bku 30 let a m\u00e9n\u011b<\/h3>\r\n<p>Samostatn\u00e1 akce pro nov\u00e9 i st\u00e1vaj\u00edc\u00ed klienty ve v\u011bku nejv\u00fd\u0161e 30 let vy\u017eaduje u Patrie registrovan\u00fd bankovn\u00ed \u00fa\u010det \u010cSOB s k\u00f3dem 0300. Nab\u00edz\u00ed odpu\u0161t\u011bn\u00ed n\u00e1kupn\u00ed provize pravideln\u00fdch ETF a 50% slevu na m\u011bnov\u00e9 konverze, tedy standardn\u011b sazbu 0,75 %. Podm\u00ednka p\u011bti plateb a p\u0159\u00edjmu 15 000 K\u010d z p\u0159edchoz\u00ed akce se do t\u00e9to nab\u00eddky nep\u0159en\u00e1\u0161\u00ed. <a href=\"https:\/\/cdn.patria.cz\/Patria-ETF-zdarma-pro-mlade.pdf\">Pravidla akce pro mlad\u00e9<\/a>.<\/p>\r\n<div class=\"pr-note\"><strong>Co nad\u00e1le z\u016fst\u00e1v\u00e1:<\/strong> evidence cenn\u00fdch pap\u00edr\u016f, n\u00e1klady ETF, p\u0159\u00edpadn\u00fd prodej, sm\u011bna a dal\u0161\u00ed slu\u017eby podle sazebn\u00edku. P\u0159ed prvn\u00edm n\u00e1kupem ov\u011b\u0159te p\u0159iznanou slevu ve sv\u00e9m \u00fa\u010dtu; nes\u010d\u00edtejte automaticky n\u011bkolik reklamn\u00edch benefit\u016f.<\/div>\r\n<a class=\"pr-cta\" href=\"https:\/\/www.moneyo.cz\/patria\/zalozit-ucet\/\" target=\"_blank\" rel=\"sponsored nofollow noopener\">Zalo\u017eit \u00fa\u010det zdarma<\/a><p class=\"pr-small\">Partnersk\u00fd odkaz. Ak\u010dn\u00ed v\u00fdhody podl\u00e9haj\u00ed uveden\u00fdm podm\u00ednk\u00e1m; investice mohou ztratit hodnotu.<\/p>\r\n<\/section>\r\n\r\n<section id=\"dip\"><h2>Patria DIP: polovi\u010dn\u00ed n\u00e1kupn\u00ed provize, vlastn\u00ed v\u00fdb\u011br investic<\/h2>\r\n<p>Dlouhodob\u00fd investi\u010dn\u00ed produkt je re\u017eim investov\u00e1n\u00ed na st\u00e1\u0159\u00ed s da\u0148ovou podporou. U Patrie do n\u011bj m\u016f\u017eete vyb\u00edrat zp\u016fsobil\u00e9 investi\u010dn\u00ed n\u00e1stroje. <strong>Sleva 50 % se t\u00fdk\u00e1 n\u00e1kupn\u00edch poplatk\u016f<\/strong>: pravideln\u00fd n\u00e1kup ETF proto standardn\u011b stoj\u00ed 0,4 %. Automaticky t\u00edm nekles\u00e1 sazba evidence, konverze ani prodeje. <a href=\"https:\/\/finance.patria.cz\/produkty-a-sluzby\/dlouhodoby-investicni-produkt-dip\">Podm\u00ednky DIP u Patrie<\/a>.<\/p>\r\n<p>Pro zachov\u00e1n\u00ed da\u0148ov\u00e9 podpory mus\u00ed produkt trvat alespo\u0148 120 kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u016f a v\u00fdb\u011br splnit tak\u00e9 v\u011bkovou podm\u00ednku \u2013 nejd\u0159\u00edve v kalend\u00e1\u0159n\u00edm roce, v n\u011bm\u017e dos\u00e1hnete 60 let. Samotn\u00e9 dosa\u017een\u00ed \u0161edes\u00e1tky nesta\u010d\u00ed. P\u0159ed\u010dasn\u00fd v\u00fdb\u011br m\u016f\u017ee vyvolat dodan\u011bn\u00ed d\u0159\u00edve \u010derpan\u00e9 podpory; z\u00e1kon po\u010d\u00edt\u00e1 s v\u00fdjimkami, nap\u0159\u00edklad se stanoven\u00fdm p\u0159evodem cel\u00e9ho DIP k jin\u00e9mu poskytovateli.<\/p>\r\n<p>Vlastn\u00ed p\u0159\u00edsp\u011bvky lze ode\u010d\u00edtat od z\u00e1kladu dan\u011b do spole\u010dn\u00e9ho limitu <strong>48 000 K\u010d ro\u010dn\u011b<\/strong> pro podporovan\u00e9 produkty. Model: p\u0159i pln\u011b vyu\u017eiteln\u00e9m odpo\u010dtu 48 000 K\u010d a 15% sazb\u011b dan\u011b jde o \u00fasporu 7 200 K\u010d. Nejde o automatick\u00fd st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek ani zaru\u010den\u00fd v\u00fdnos. Podle va\u0161\u00ed da\u0148ov\u00e9 situace m\u016f\u017ee b\u00fdt p\u0159\u00ednos jin\u00fd. Z\u00e1kladn\u00ed pravidla vysv\u011btluje <a href=\"https:\/\/mf.gov.cz\/cs\/financni-trh\/ochrana-spotrebitele\/aktuality\/2024\/dlouhodoby-investicni-produkt-a-danova-podpora-pro-54732\">Ministerstvo financ\u00ed<\/a>.<\/p>\r\n<p>DIP tak\u00e9 automaticky neosvobozuje v\u0161echny dividendy a prodeje od dan\u011b. Sledujte vlastn\u00ed da\u0148ov\u00e9 povinnosti i to, zda p\u0159\u00edpadnou da\u0148 hrad\u00edte mimo DIP. Provozn\u00ed rezervu proto dr\u017ete odd\u011blen\u011b. Pokud nechcete investice vyb\u00edrat sami, porovnejte zp\u016fsob spr\u00e1vy v \u010dl\u00e1nc\u00edch <a href=\"https:\/\/www.moneyo.cz\/portu-dip\/\">Portu DIP<\/a> a <a href=\"https:\/\/www.moneyo.cz\/fondee-dip\/\">Fondee DIP<\/a>.<\/p>\r\n<\/section>\r\n\r\n<section id=\"platforma\"><h2>WebTrader, mobiln\u00ed aplikace a zalo\u017een\u00ed \u00fa\u010dtu<\/h2>\r\n<p>Patria nab\u00edz\u00ed webovou platformu WebTrader a mobiln\u00ed aplikaci Patria Finance. Ofici\u00e1ln\u00ed popis uv\u00e1d\u00ed p\u0159ehled portfolia, zpr\u00e1vy k dr\u017een\u00fdm titul\u016fm, analytick\u00e9 podklady a obchodn\u00ed pokyny. Modernizovan\u00fd WebTrader funguje od dubna 2025; podle Patrie n\u011bkter\u00e9 \u010d\u00e1sti st\u00e1le odkazuj\u00ed do p\u016fvodn\u00edho prost\u0159ed\u00ed. Nelze proto automaticky o\u010dek\u00e1vat toto\u017en\u00e9 ovl\u00e1d\u00e1n\u00ed v\u0161ech funkc\u00ed. <a href=\"https:\/\/finance.patria.cz\/produkty-a-sluzby\/obchodni-aplikace\">Popis obchodn\u00edch aplikac\u00ed<\/a>.<\/p>\r\n<p>P\u0159i t\u00e9to revizi jsme kontrolovali ve\u0159ejn\u00e9 podklady. Neprov\u00e1d\u011bli jsme obchod na re\u00e1ln\u00e9m \u00fa\u010dtu, nem\u011b\u0159ili rychlost exekuce ani nezkou\u0161eli v\u00fdb\u011br pen\u011bz. Uk\u00e1zka ve\u0159ejn\u00e9ho cen\u00edku nen\u00ed d\u016fkazem osobn\u00edho pou\u017e\u00edv\u00e1n\u00ed platformy. Z tohoto d\u016fvodu nep\u0159id\u011blujeme aplikaci \u010d\u00edseln\u00e9 hodnocen\u00ed za rychlost \u010di spolehlivost.<\/p>\r\n<h3>Jak otev\u0159\u00edt \u00fa\u010det a p\u0159ipravit prvn\u00ed n\u00e1kup<\/h3>\r\n<ol><li>Vstupte do registrace p\u0159es ofici\u00e1ln\u00ed web Patrie a zkontrolujte dom\u00e9nu.<\/li><li>Vypl\u0148te po\u017eadovan\u00e9 \u00fadaje a investi\u010dn\u00ed dotazn\u00edk pravdiv\u011b. Zvolte ov\u011b\u0159en\u00ed identity; Patria podporuje Bank iD, p\u0159\u00edpadn\u011b postup se dv\u011bma doklady a ov\u011b\u0159ovac\u00ed platbou z vlastn\u00edho \u00fa\u010dtu.<\/li><li>P\u0159e\u010dt\u011bte smlouvu a cen\u00edk. Chcete-li DIP, zvolte p\u0159\u00edslu\u0161n\u00fd produkt; b\u011b\u017en\u00e9 portfolio se j\u00edm automaticky nest\u00e1v\u00e1.<\/li><li>Pou\u017eijte platebn\u00ed \u00fadaje z vlastn\u00edho \u00fa\u010dtu v aplikaci. Vyberte m\u011bnu a ponechte rezervu na poplatky.<\/li><li>P\u0159ed potvrzen\u00edm zkontrolujte ISIN, burzu, m\u011bnu, typ pokynu, \u010d\u00e1stku a p\u0159edb\u011b\u017en\u00e9 n\u00e1klady.<\/li><\/ol>\r\n<p>Limitn\u00ed pokyn vymezuje cenu, za kterou jste ochotni nakoupit nebo prodat, ale nezaru\u010duje proveden\u00ed. Tr\u017en\u00ed pokyn naopak neur\u010duje nejhor\u0161\u00ed p\u0159ijatelnou cenu. U m\u00e9n\u011b likvidn\u00edch titul\u016f sledujte rozd\u00edl mezi n\u00e1kupn\u00ed a prodejn\u00ed cenou. Konkr\u00e9tn\u00ed registra\u010dn\u00ed postup popisuje <a href=\"https:\/\/finance.patria.cz\/vitejte\">pr\u016fvodce pro klienty Patrie<\/a>.<\/p>\r\n<p>Klientsk\u00e1 podpora uv\u00e1d\u00ed pracovn\u00ed dny 9:00\u201317:00 na \u010d\u00edsle +420 221 424 240. Makl\u00e9\u0159sk\u00e9 call centrum pro pokyny m\u00e1 samostatn\u00e9 \u010d\u00edslo i del\u0161\u00ed obchodn\u00ed provoz. Osobn\u00ed n\u00e1v\u0161t\u011bvu centr\u00e1ly si sjednejte p\u0159edem. <a href=\"https:\/\/finance.patria.cz\/patria-finance\/kontakt\">Aktu\u00e1ln\u00ed kontakty<\/a>.<\/p>\r\n<\/section>\r\n\r\n<section id=\"vklady-vybery\"><h2>Vklady, v\u00fdb\u011bry a p\u0159evod portfolia jinam<\/h2>\r\n<p>Pracujte s bankovn\u00edmi p\u0159evody a \u00fadaji v klientsk\u00e9 aplikaci. U korunov\u00fdch tuzemsk\u00fdch plateb je podle sazebn\u00edku vklad i v\u00fdb\u011br zdarma. EUR vklady v r\u00e1mci SEPA jsou zdarma, v\u00fdb\u011br na \u00fa\u010det \u010cSOB tak\u00e9; v\u00fdb\u011br EUR v SEPA mimo \u010cSOB stoj\u00ed 1 EUR. U ostatn\u00edch m\u011bn a p\u0159eshrani\u010dn\u00edch plateb mohou vzniknout poplatky Patrie i bank zapojen\u00fdch do p\u0159evodu.<\/p>\r\n<p>Poslat ji\u017e sm\u011bn\u011bn\u00e1 eura m\u016f\u017ee odstranit pot\u0159ebu dal\u0161\u00ed konverze u Patrie. To ale je\u0161t\u011b nen\u00ed d\u016fkaz nejlevn\u011bj\u0161\u00ed cesty. Porovnejte kurz, poplatek odes\u00edlaj\u00edc\u00ed banky a shodu majitele \u00fa\u010dtu. Pou\u017eit\u00ed konkr\u00e9tn\u00ed extern\u00ed platebn\u00ed slu\u017eby si nechte potvrdit brokerem; obecn\u00e9 doporu\u010den\u00ed \u201epo\u0161lete p\u0159es Revolut\u201c nemus\u00ed pokr\u00fdt v\u00e1\u0161 typ p\u0159evodu.<\/p>\r\n<h3>Prodej frakc\u00ed a odchod k jin\u00e9mu brokerovi<\/h3>\r\n<p>Patria u frak\u010dn\u00ed pozice popisuje prodej jednou m\u011bs\u00ed\u010dn\u011b k rozhodn\u00e9mu dni. Prodej frakce tedy nem\u00e1 stejnou \u010dasovou flexibilitu jako b\u011b\u017en\u00fd burzovn\u00ed pokyn na cel\u00e9 kusy. Po prodeji nav\u00edc odd\u011blujte vypo\u0159\u00e1d\u00e1n\u00ed obchodu od samotn\u00e9ho bankovn\u00edho v\u00fdb\u011bru. U DIP sledujte tak\u00e9 da\u0148ov\u00e9 podm\u00ednky. <a href=\"https:\/\/finance.patria.cz\/vitejte\">Informace Patrie k prodeji pravideln\u00fdch investic<\/a>.<\/p>\r\n<p>P\u0159evod k\u00f3tovan\u00fdch cenn\u00fdch pap\u00edr\u016f z Patrie stoj\u00ed podle sazebn\u00edku <strong>0,5 %, nejm\u00e9n\u011b 1 000 a nejv\u00fd\u0161e 10 000 K\u010d za ka\u017ed\u00fd ISIN<\/strong>. \u010c\u00e1stka se tedy nepo\u010d\u00edt\u00e1 jedin\u00fdm minimem za cel\u00e9 portfolio. P\u011bt titul\u016f v hodnot\u011b 20 000 K\u010d ka\u017ed\u00fd znamen\u00e1 v modelu p\u011bt minim\u00e1ln\u00edch poplatk\u016f, tedy 5 000 K\u010d, p\u0159ed p\u0159\u00edpadn\u00fdmi n\u00e1klady t\u0159et\u00edch stran. P\u0159evoditelnost konkr\u00e9tn\u00edch pozic a zejm\u00e9na frakc\u00ed ov\u011b\u0159te p\u0159edem u obou poskytovatel\u016f. <a href=\"https:\/\/cdn.patria.cz\/Sazebnik-PD.pdf\">Sazebn\u00edk, \u010d\u00e1st II<\/a>.<\/p>\r\n<\/section>\r\n\r\n<section id=\"bezpecnost\"><h2>Je Patria bezpe\u010dn\u00e1? T\u0159i r\u016fzn\u00e9 druhy ochrany<\/h2>\r\n<p>\u010cesk\u00e1 licence a z\u00e1zem\u00ed \u010cSOB jsou relevantn\u00ed p\u0159i v\u00fdb\u011bru poskytovatele. Nezaru\u010duj\u00ed v\u0161ak n\u00e1vratnost investic. Odd\u011blujte n\u00e1sleduj\u00edc\u00ed situace:<\/p>\r\n<ol><li><strong>Evidence klientsk\u00e9ho majetku.<\/strong> Patria vede investi\u010dn\u00ed n\u00e1stroje klient\u016f odd\u011blen\u011b; do \u00faschovy se mohou zapojovat zahrani\u010dn\u00ed depozit\u00e1\u0159i. Pr\u00e1va a rizika se mohou podle zem\u011b li\u0161it.<\/li><li><strong>Neschopnost obchodn\u00edka vydat majetek.<\/strong> Garan\u010dn\u00ed fond poskytuje p\u0159i spln\u011bn\u00ed z\u00e1konn\u00fdch podm\u00ednek n\u00e1hradu 90 % nevydan\u00e9ho z\u00e1kaznick\u00e9ho majetku, nejv\u00fd\u0161e ekvivalent 20 000 EUR na z\u00e1kazn\u00edka u jednoho obchodn\u00edka. Nekryje pokles ceny akci\u00ed nebo ETF.<\/li><li><strong>Selh\u00e1n\u00ed banky dr\u017e\u00edc\u00ed hotovost.<\/strong> Pen\u00edze na p\u0159\u00edslu\u0161n\u00fdch bankovn\u00edch \u00fa\u010dtech mohou podl\u00e9hat syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f. U \u010desk\u00e9 banky je standardn\u00ed limit ekvivalent 100 000 EUR na opr\u00e1vn\u011bnou osobu a banku; zapo\u010d\u00edt\u00e1vaj\u00ed se i jej\u00ed dal\u0161\u00ed vklady u stejn\u00e9 banky. Nen\u00ed to poji\u0161t\u011bn\u00ed cel\u00e9ho investi\u010dn\u00edho portfolia.<\/li><\/ol>\r\n<p>Rozhoduj\u00edc\u00ed je <a href=\"https:\/\/cdn.patria.cz\/Informace-k-ochrane-majetku-zakazniku.pdf\">dokument Patrie o ochran\u011b majetku z\u00e1kazn\u00edk\u016f<\/a>. U investice \u0159e\u0161te vedle poskytovatele tak\u00e9 riziko trhu, emitenta, m\u011bny a likvidity. Pokud vyu\u017eijete \u00fav\u011br nebo p\u00e1kov\u00fd n\u00e1stroj, p\u0159ib\u00fdvaj\u00ed dal\u0161\u00ed rizika a n\u00e1klady.<\/p>\r\n<\/section>\r\n\r\n<section id=\"alternativy\"><h2>Patria, XTB, Interactive Brokers, nebo spravovan\u00e9 portfolio?<\/h2>\r\n<p>Alternativu vyb\u00edrejte podle slu\u017eby, kterou skute\u010dn\u011b pot\u0159ebujete. Nulov\u00e1 n\u00e1kupn\u00ed provize sama o sob\u011b nesta\u010d\u00ed pro z\u00e1v\u011br, \u017ee bude jin\u00fd broker v\u017edy levn\u011bj\u0161\u00ed. U ka\u017ed\u00e9ho porovnejte aktu\u00e1ln\u00ed sazebn\u00edk, m\u011bnu \u00fa\u010dtu, nab\u00eddku konkr\u00e9tn\u00edho ISIN, evidenci a pl\u00e1novan\u00fd v\u00fdstup.<\/p>\r\n<div class=\"pr-table\" role=\"region\" aria-label=\"Rozhodov\u00e1n\u00ed mezi investi\u010dn\u00edmi slu\u017ebami\" tabindex=\"0\"><table><caption>Kterou recenzi \u010d\u00edst podle va\u0161eho z\u00e1m\u011bru<\/caption><thead><tr><th scope=\"col\">V\u00e1\u0161 z\u00e1m\u011br<\/th><th scope=\"col\">Co porovnat s Patri\u00ed<\/th><th scope=\"col\">Podrobn\u00fd pr\u016fvodce<\/th><\/tr><\/thead><tbody>\r\n<tr><th scope=\"row\">Mal\u00e9 vlastn\u00ed n\u00e1kupy akci\u00ed a ETF<\/th><td>Provize, konverze a dostupnost konkr\u00e9tn\u00edho titulu<\/td><td><a href=\"https:\/\/www.moneyo.cz\/xtb\/\">Recenze XTB<\/a><\/td><\/tr>\r\n<tr><th scope=\"row\">V\u011bt\u0161\u00ed portfolio na v\u00edce trz\u00edch<\/th><td>Trhy, m\u011bnov\u00e9 operace, sazby a obsluha \u00fa\u010dtu<\/td><td><a href=\"https:\/\/www.moneyo.cz\/interactive-brokers\/\">Recenze Interactive Brokers<\/a><\/td><\/tr>\r\n<tr><th scope=\"row\">Soci\u00e1ln\u00ed funkce a kop\u00edrov\u00e1n\u00ed<\/th><td>Vlastn\u00ed n\u00e1kupy proti kop\u00edrov\u00e1n\u00ed, re\u00e1ln\u00e1 aktiva proti CFD<\/td><td><a href=\"https:\/\/www.moneyo.cz\/etoro\/\">Recenze eToro<\/a><\/td><\/tr>\r\n<tr><th scope=\"row\">Portfolio spravovan\u00e9 podle rizikov\u00e9ho profilu<\/th><td>Rozsah spr\u00e1vy a pr\u016fb\u011b\u017en\u00fd poplatek proti vlastn\u00edmu v\u00fdb\u011bru u brokera<\/td><td><a href=\"https:\/\/www.moneyo.cz\/portu\/\">Recenze Portu<\/a> a <a href=\"https:\/\/www.moneyo.cz\/fondee\/\">recenze Fondee<\/a><\/td><\/tr>\r\n<tr><th scope=\"row\">P\u0159edev\u0161\u00edm \u010desk\u00e9 dividendov\u00e9 akcie<\/th><td>N\u00e1klady BCPP, evidence, dividendy a koncentrace portfolia<\/td><td><a href=\"https:\/\/www.moneyo.cz\/ceske-akcie\/\">Pr\u016fvodce \u010desk\u00fdmi akciemi<\/a><\/td><\/tr>\r\n<\/tbody><\/table><\/div>\r\n<p>Celkov\u00fd v\u00fdb\u011br najdete v <a href=\"https:\/\/www.moneyo.cz\/srovnani-brokeru\/\">porovn\u00e1n\u00ed broker\u016f pro \u010desk\u00e9ho investora<\/a>. Tato recenze se soust\u0159ed\u00ed na Patrii; podrobnosti ostatn\u00edch slu\u017eeb udr\u017eujeme v jejich vlastn\u00edch \u010dl\u00e1nc\u00edch.<\/p>\r\n<\/section>\r\n\r\n<section id=\"faq\" class=\"pr-faq\"><h2>\u010cast\u00e9 ot\u00e1zky k Patria Finance<\/h2>\r\n<details><summary>Jak\u00fd je minim\u00e1ln\u00ed vklad u Patrie?<\/summary><p>Pravideln\u00e1 investice za\u010d\u00edn\u00e1 na 500 K\u010d. Tuto \u010d\u00e1stku nezam\u011b\u0148ujte s minimem ka\u017ed\u00e9ho burzovn\u00edho obchodu. Sazebn\u00edk nav\u00edc uv\u00e1d\u00ed minim\u00e1ln\u00ed z\u016fstatek eviden\u010dn\u00edho \u00fa\u010dtu 500 K\u010d; p\u0159i pl\u00e1nov\u00e1n\u00ed n\u00e1kupu nechte rezervu tak\u00e9 na poplatky.<\/p><\/details>\r\n<details><summary>Kolik stoj\u00ed n\u00e1kup \u010desk\u00fdch akci\u00ed?<\/summary><p>U internetov\u00e9ho pokynu na BCPP do 99 999 K\u010d \u010din\u00ed provize 0,35 %, nejm\u00e9n\u011b 30 K\u010d. Obvykle p\u0159ibude burzovn\u00ed poplatek s minimem 10 K\u010d. Model n\u00e1kupu za 10 000 K\u010d proto vych\u00e1z\u00ed na 45 K\u010d p\u0159ed pr\u016fb\u011b\u017enou evidenc\u00ed a spreadem.<\/p><\/details>\r\n<details><summary>Jsou ETF u Patrie opravdu zdarma?<\/summary><p>Za spln\u011bn\u00ed podm\u00ednek akc\u00ed \u010cSOB m\u016f\u017ee b\u00fdt odpu\u0161t\u011bna n\u00e1kupn\u00ed provize v re\u017eimu pravideln\u00fdch investic. Evidence, n\u00e1klady fondu, prodej a p\u0159\u00edpadn\u00e1 m\u011bnov\u00e1 konverze t\u00edm nezanikaj\u00ed. Pravidla p\u0159i revizi uv\u00e1d\u011bla platnost do 31. 12. 2026.<\/p><\/details>\r\n<details><summary>Plat\u00ed sleva DIP na v\u0161echny poplatky?<\/summary><p>Ne. Standardn\u00ed 50% zv\u00fdhodn\u011bn\u00ed se t\u00fdk\u00e1 n\u00e1kupn\u00edch poplatk\u016f. U pravideln\u00e9ho n\u00e1kupu ETF proto vych\u00e1z\u00ed provize na 0,4 %. Evidence, sm\u011bna m\u011bn a prodej maj\u00ed vlastn\u00ed podm\u00ednky.<\/p><\/details>\r\n<details><summary>\u00da\u010dtuje Patria poplatek za neaktivitu?<\/summary><p>Samostatn\u00fd standardn\u00ed poplatek za neaktivitu jsme v ov\u011b\u0159en\u00e9m sazebn\u00edku nena\u0161li. Dr\u017een\u00e9 cenn\u00e9 pap\u00edry v\u0161ak mohou podl\u00e9hat pr\u016fb\u011b\u017en\u00e9 evidenci; placen\u00e9 mohou b\u00fdt i objednan\u00e9 dopl\u0148kov\u00e9 slu\u017eby.<\/p><\/details>\r\n<details><summary>Nab\u00edz\u00ed Patria demo \u00fa\u010det?<\/summary><p>Aktu\u00e1ln\u00ed dostupnost plnohodnotn\u00e9ho bezplatn\u00e9ho dema se n\u00e1m z ve\u0159ejn\u00fdch podklad\u016f pou\u017eit\u00fdch p\u0159i t\u00e9to revizi nepoda\u0159ilo potvrdit. Ov\u011b\u0159te ji p\u0159\u00edmo u klientsk\u00e9 podpory. Uk\u00e1zka aplikace nebo star\u0161\u00ed recenze sama o sob\u011b dostupnost dema nedokl\u00e1d\u00e1.<\/p><\/details>\r\n<details><summary>Jsou investice poji\u0161t\u011bn\u00e9 do 100 000 EUR?<\/summary><p>Tento standardn\u00ed bankovn\u00ed limit se t\u00fdk\u00e1 zp\u016fsobil\u00fdch pen\u011b\u017en\u00edch vklad\u016f p\u0159i selh\u00e1n\u00ed banky, nikoliv hodnoty akci\u00ed a ETF. Garan\u010dn\u00ed fond obchodn\u00edk\u016f \u0159e\u0161\u00ed jinou situaci: nevydan\u00fd z\u00e1kaznick\u00fd majetek, 90 % a nejv\u00fd\u0161e ekvivalent 20 000 EUR. Tr\u017en\u00ed ztr\u00e1tu nekryje ani jeden syst\u00e9m.<\/p><\/details>\r\n<details><summary>Je DIP u Patrie vhodn\u00fd pro rezervu na n\u011bkolik let?<\/summary><p>Da\u0148ov\u011b podporovan\u00fd DIP v\u00e1\u017ee prost\u0159edky na pravidlo alespo\u0148 120 m\u011bs\u00edc\u016f a v\u011bkovou podm\u00ednku. Pro pen\u00edze, kter\u00e9 m\u016f\u017eete pot\u0159ebovat d\u0159\u00edve, po\u010d\u00edtejte s jin\u00fdm \u0159e\u0161en\u00edm; p\u0159ed\u010dasn\u00fd v\u00fdb\u011br m\u016f\u017ee znamenat dodan\u011bn\u00ed podpory.<\/p><\/details>\r\n<\/section>\r\n\r\n<section id=\"metodika\"><h2>Jak recenzi ov\u011b\u0159ujeme<\/h2>\r\n<p>Hodnot\u00edme rozsah slu\u017eby, n\u00e1klady p\u0159i vstupu i dr\u017een\u00ed a odchodu, pravidla DIP, srozumitelnost smluv a ochranu majetku. Z\u00e1v\u011bry vych\u00e1zej\u00ed z dokument\u00e1rn\u00ed re\u0161er\u0161e a vlastn\u00edch modelov\u00fdch v\u00fdpo\u010dt\u016f. Nejde o m\u011b\u0159en\u00ed \u017eiv\u00fdch obchod\u016f ani zku\u0161enost s v\u00fdb\u011brem pen\u011bz. Star\u00e9 procentn\u00ed hodnocen\u00ed bez dolo\u017een\u00e9ho v\u00fdpo\u010dtu jsme nahradili konkr\u00e9tn\u00edm verdiktem pro r\u016fzn\u00e9 zp\u016fsoby investov\u00e1n\u00ed.<\/p>\r\n<p>Obsah, ve\u0159ejn\u00e9 zdroje i sn\u00edmek jsou aktu\u00e1ln\u00ed k 13. 9. 2026. Sazby op\u00edr\u00e1me o dokument s uvedenou \u00fa\u010dinnost\u00ed, akce o jejich p\u00edsemn\u00e1 pravidla. Dynamick\u00fd seznam ETF se m\u016f\u017ee m\u011bnit. P\u0159i rozporu stru\u010dn\u00e9ho webov\u00e9ho p\u0159ehledu s PDF upozor\u0148ujeme na rozd\u00edl; p\u0159ed obchodem ov\u011b\u0159te n\u00e1kladov\u00e9 vy\u010d\u00edslen\u00ed brokera.<\/p>\r\n<p>Partnersk\u00e9 odkazy jsou ozna\u010den\u00e9. Moneyo m\u016f\u017ee obdr\u017eet odm\u011bnu za p\u0159iveden\u00e9ho klienta. \u010cl\u00e1nek je obecn\u00fd informa\u010dn\u00ed rozbor, nikoliv osobn\u00ed investi\u010dn\u00ed \u010di da\u0148ov\u00e9 doporu\u010den\u00ed. Zp\u016fsob pr\u00e1ce popisuj\u00ed <a href=\"https:\/\/www.moneyo.cz\/redakcni-pravidla\/\">redak\u010dn\u00ed pravidla<\/a> a <a href=\"https:\/\/www.moneyo.cz\/metodika-hodnoceni\/\">metodika hodnocen\u00ed Moneyo<\/a>.<\/p>\r\n<h3>Prim\u00e1rn\u00ed zdroje<\/h3>\r\n<ol class=\"pr-sources\"><li><a href=\"https:\/\/cdn.patria.cz\/Sazebnik-PD.pdf\">Sazebn\u00edk Patrie od 1. 7. 2026<\/a> \u2013 strany 1\u20132 trhy a p\u00e1sma, 6 konverze, 7 pravideln\u00e9 investice, 8 p\u0159evody, 9 \u00fa\u010det, 10\u201311 evidence.<\/li><li><a href=\"https:\/\/finance.patria.cz\/produkty-a-sluzby\/snizeni-poplatku-na-prazske-burze\">Zm\u011bna poplatk\u016f BCPP od 1. 7. 2026<\/a>.<\/li><li><a href=\"https:\/\/cdn.patria.cz\/Pravidelne-investice-do-ETF-zdarma.pdf\">Pravidla pravideln\u00fdch ETF zdarma pro klienty \u010cSOB<\/a>.<\/li><li><a href=\"https:\/\/cdn.patria.cz\/Patria-ETF-zdarma-pro-mlade.pdf\">Pravidla ETF zdarma pro mlad\u00e9<\/a>.<\/li><li><a href=\"https:\/\/finance.patria.cz\/produkty-a-sluzby\/pravidelne-investovani\">Pravideln\u00e9 investov\u00e1n\u00ed<\/a> a <a href=\"https:\/\/finance.patria.cz\/investovani\/etf\/prehled-nabidky-etf-pro-pravidelne-investice\">seznam ETF<\/a>.<\/li><li><a href=\"https:\/\/finance.patria.cz\/produkty-a-sluzby\/dlouhodoby-investicni-produkt-dip\">DIP u Patrie<\/a> a <a href=\"https:\/\/mf.gov.cz\/cs\/financni-trh\/ochrana-spotrebitele\/aktuality\/2024\/dlouhodoby-investicni-produkt-a-danova-podpora-pro-54732\">v\u00fdklad Ministerstva financ\u00ed<\/a>.<\/li><li><a href=\"https:\/\/cdn.patria.cz\/Informace-k-ochrane-majetku-zakazniku.pdf\">Ochrana z\u00e1kaznick\u00e9ho majetku<\/a>.<\/li><li><a href=\"https:\/\/finance.patria.cz\/produkty-a-sluzby\/obchodni-aplikace\">Obchodn\u00ed aplikace<\/a>, <a href=\"https:\/\/finance.patria.cz\/vitejte\">pr\u016fvodce klienta<\/a>, <a href=\"https:\/\/finance.patria.cz\/patria-finance\/kontakt\">kontakty<\/a> a <a href=\"https:\/\/finance.patria.cz\/patria-finance\/o-patria-finance\">identifikace a dohled<\/a>.<\/li><\/ol>\r\n<\/section>\r\n<aside class=\"pr-ending\"><h2>Rozhoduje v\u00e1\u0161 zp\u016fsob investov\u00e1n\u00ed<\/h2><p>Pro \u010desk\u00e9 akcie, vlastn\u00ed v\u00fdb\u011br ETF a DIP je Patria relevantn\u00ed kandid\u00e1t. P\u0159ed otev\u0159en\u00edm \u00fa\u010dtu si spo\u010d\u00edtejte n\u00e1kup, sm\u011bnu, evidenci a pl\u00e1novan\u00fd v\u00fdstup. Pokud u\u017e v\u00fdb\u011br odpov\u00edd\u00e1 va\u0161im pot\u0159eb\u00e1m, pokra\u010dujte na web brokera.<\/p><a class=\"pr-cta\" href=\"https:\/\/www.moneyo.cz\/patria\/zalozit-ucet\/\" target=\"_blank\" rel=\"sponsored nofollow noopener\">Zalo\u017eit \u00fa\u010det zdarma<\/a><p class=\"pr-small\">Partnersk\u00fd odkaz na Patrii. Bezplatn\u00e9 zalo\u017een\u00ed \u00fa\u010dtu neodstra\u0148uje investi\u010dn\u00ed poplatky ani riziko ztr\u00e1ty.<\/p><\/aside>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Patria Finance: aktu\u00e1ln\u00ed sazby, modelov\u00e9 n\u00e1klady, podm\u00ednky pravideln\u00fdch ETF a DIP. Podrobn\u00e1 recenze pro stav k 13. 9. 2026.<\/p>\n","protected":false},"author":1,"featured_media":31,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-27","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clanky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Patria.cz Recenze 2025: Vyplat\u00ed se je\u0161t\u011b \u010desk\u00e1 investi\u010dn\u00ed legenda?<\/title>\n<meta name=\"description\" content=\"Nez\u00e1visl\u00e1 recenze Patria Finance. 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