Payment system in the Republic of Croatia : Final paper

Platni promet Republike Hrvatske je izrazito bitna stavka sveukupnog gospodarstva. Imajući na umu kako je novac sredstvo plaćanja koje ima jako veliku ulogu u ljudskom životu te kako je razina cijene važan financijski pokazatelj jedne zemlje, platni promet teži sigurnosti, stabilnosti i očuvanju novca. Hrvatska narodna banka, koja je ujedno i središnja banka u Republici Hrvatskoj, je institucija koja ima nadzor nad platnim prometom i koja ga redovito kontrolira te propisuje razna pravila i standarde kojih se svaki sudionik platnog prometa mora pridržavati. Platni sustavi u Republici Hrvatskoj omogućuju odvijanje međubankovnih plaćanja na zakonom propisani način. Projekt Sepaje osnovan u svrhu olakšanog plaćanja unutar Europske unije u kojemu se transakcije izvršavaju u eurima pomoću jedinstvenih modela i postupaka. U radu će se obraditi komparativna analiza naknada najčešćih usluga platnog prometa u tri različite banke te analiza naknada usluga platnog prometa za studente i umirovljenike. Na kraju će se zaključiti u kojoj banci su najviše ili najniže naknade određenih usluga.The payment system of the Republic of Croatia is an extremely important item of the overall economy. Bearing in mind that money is a means of payment that plays a very large role in human life and that the level of price is an important financial indicator of a country, the payment system strives for security, stability, and preservation of money. The Croatian National Bank, which is also the central bank in the Republic of Croatia, is an institution that oversees the payment system and regularly controls it, and prescribes various rules and standards that each payment participant must adhere to. Payment systems in the Republic of Croatia allow for interbank payments to be made in a legally prescribed manner. The Sepa project was established for the purpose of facilitating intra-EU payments, in which transactions are executed in euro using unique models and procedures. The paper will deal with the comparative analysis of fees of the most common payment services in three different banks and the analysis of fees of payments services for students and pensioners. Finally, it will be concluded which bank has the highest or lowerst fees for certain services