[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.niber.cz\/rozdil-mezi-valutami-a-devizami\/#Article","mainEntityOfPage":"https:\/\/www.niber.cz\/rozdil-mezi-valutami-a-devizami\/","headline":"Rozd\u00edl mezi valutami a devizami","name":"Rozd\u00edl mezi valutami a devizami","description":"Kde se s\u00a0t\u011bmito pojmy setk\u00e1te v\u00a0b\u011b\u017en\u00e9m \u017eivot\u011b? Hlavn\u011b tedy pokud chcete cestovat kamkoli mimo hranice na\u0161eho st\u00e1tu. Pravda, ji\u017e nem\u011bn\u00edme \u0161ilinky, marky, ale jednotnou m\u011bnu pro hodn\u011b zem\u00ed, a tou je euro. Do zem\u00ed mimo EU pak m\u011bn\u00edme pen\u00edze tak, jak je pot\u0159eba. Nu\u017ee, p\u0159ejd\u011bme k\u00a0jednotliv\u00fdm pojm\u016fm. Valuta (z ital\u0161tiny = to co plat\u00ed), je […]","datePublished":"2025-08-25","dateModified":"2025-08-25","author":{"@type":"Person","@id":"https:\/\/www.niber.cz\/author\/#Person","name":"","url":"https:\/\/www.niber.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"niber.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.niber.cz\/wp-content\/uploads\/img_a294646_w2096_t1506498604.jpg","url":"https:\/\/www.niber.cz\/wp-content\/uploads\/img_a294646_w2096_t1506498604.jpg","height":0,"width":0},"url":"https:\/\/www.niber.cz\/rozdil-mezi-valutami-a-devizami\/","wordCount":438,"articleBody":"Kde se s\u00a0t\u011bmito pojmy setk\u00e1te v\u00a0b\u011b\u017en\u00e9m \u017eivot\u011b? Hlavn\u011b tedy pokud chcete cestovat kamkoli mimo hranice na\u0161eho st\u00e1tu. Pravda, ji\u017e nem\u011bn\u00edme \u0161ilinky, marky, ale jednotnou m\u011bnu pro hodn\u011b zem\u00ed, a tou je euro. Do zem\u00ed mimo EU pak m\u011bn\u00edme pen\u00edze tak, jak je pot\u0159eba. Nu\u017ee, p\u0159ejd\u011bme k\u00a0jednotliv\u00fdm pojm\u016fm.Valuta (z ital\u0161tiny = to co plat\u00ed), je to, co m\u00e1te fyzicky v\u00a0rukou. Tedy pap\u00edrov\u00e9 pen\u00edze, nebo mince. A proto\u017ee je mus\u00edte vy tahat fyzicky sebou, ale doma i p\u0159echov\u00e1vat, mus\u00ed s\u00a0nimi tot\u00e9\u017e ud\u011blat sm\u011bn\u00e1rna \u010di banka, kam je p\u0159inesete. A proto\u017ee je s\u00a0t\u00edm spojena fyzick\u00e1 \u201epr\u00e1ce\u201c, zab\u00edraj\u00ed ur\u010dit\u00e9 m\u00edsto, a mus\u00ed se s\u00a0nimi manipulovat ru\u010dn\u011b, jsou valuty skoro v\u017edy dra\u017e\u0161\u00ed ne\u017e devizy.Dev\u00edza, nebo devizy v\u0161eobecn\u011b, jsou takov\u00e9 pen\u00edze, kter\u00e9 nikdy neuvid\u00edte. P\u0159esn\u011bji mo\u017eno napsat, \u017ee jsou to pen\u011b\u017en\u00ed prost\u0159edky v\u00a0ciz\u00ed m\u011bn\u011b v bezhotovostn\u00ed podob\u011b. Ve velk\u00e9m po\u010dtu p\u0159\u00edpad\u016f to mohou b\u00fdt \u0161eky, nebo n\u011bjak\u00e9 cenn\u00e9 pap\u00edry k umo\u0159en\u00ed, sm\u011bnky, dluhopisy, ale i spousta jin\u00fdch, a nen\u00ed jich m\u00e1lo. Devizov\u00e9 \u00fa\u010dty vyu\u017e\u00edvaj\u00ed v\u011bt\u0161inou firmy, kter\u00e9 obchoduj\u00ed v zahrani\u010dn\u00ed m\u011bn\u011b, aby u\u0161et\u0159ily n\u00e1klady za v\u00fdm\u011bnu na \u010desk\u00e9 koruny. Z\u00e1rove\u0148 rozd\u011bluj\u00ed kurzov\u00e9 riziko, \u010d\u00edm\u017e se chr\u00e1n\u00ed proti v\u00fdkyv\u016fm kurzu v d\u016fsledku vlivu tuzemsk\u00e9 politiky, nebo ekonomiky jako takov\u00e9.Tak\u017ee jsme si p\u0159esn\u011b vymezili oba pojmy, ale jejich zapamatov\u00e1n\u00ed asi snadn\u00e9 nebude. Mnemotechnick\u00e1 pom\u016fcka tro\u0161ku m\u016f\u017ee b\u00fdt pr\u00e1v\u011b ono v\u00fd\u0161e zm\u00edn\u011bn\u00e9 \u201evalute\u201c, tedy to, co plat\u00ed. T\u00edm mohu platit na tr\u017enici, nebo tam kde nejsou pokladny, a nelze pou\u017e\u00edt kartu. Co\u017e devizou nem\u016f\u017eete, ani kdybyste se rozkr\u00e1jeli na velmi tenk\u00e9 nudli\u010dky.O tom, kde m\u011bnit by musel b\u00fdt cel\u00fd dal\u0161\u00ed \u010dl\u00e1nek, tak\u017ee si mus\u00edte vybrat sami, zda banku \u010di sm\u011bn\u00e1rnu, to u\u017e je \u010dist\u011b na v\u00e1s. Nev\u00edm, zda je\u0161t\u011b existuj\u00ed veksl\u00e1ci, pokud ano, asi bych u nich nedoporu\u010doval \u017e\u00e1dnou transakci a to nikdy. M\u016f\u017eete na to hodn\u011b doplatit.V\u011b\u0159\u00edm, \u017ee v\u00e1m mini \u010dl\u00e1ne\u010dek pomohl a budete se sn\u00e1ze orientovat. Na z\u00e1v\u011br jen p\u0159ipom\u00ednka, valuty jsou dra\u017e\u0161\u00ed ne\u017e devizy, a devizou nelze fyzicky platit.                                                                                                                                                                                                                                                                                                                                                                                                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