{"id":8625,"date":"2026-04-29T19:42:01","date_gmt":"2026-04-29T17:42:01","guid":{"rendered":"https:\/\/atb.law\/?post_type=blog-post&#038;p=8625"},"modified":"2026-04-29T19:42:03","modified_gmt":"2026-04-29T17:42:03","slug":"phishing-prevara-banka-i-klijent-moraju-podijeliti-gubitak","status":"publish","type":"blog-post","link":"https:\/\/atb.law\/bs\/blog-post\/phishing-betrug-bank-und-kunde-muessen-schaden-teilen\/","title":{"rendered":"Phishing prevara: banka i klijent moraju podijeliti gubitak"},"content":{"rendered":"<p><!-- meetergo widget start --><\/p>\n<p><script><br \/>\n  window.meetergo = window.meetergo || function(){ (window.meetergo.q = window.meetergo.q || []).push(arguments); };<br \/>\n  meetergo('init', {<br \/>\n    floatingButton: {<br \/>\n      position: \"top-left\",<br \/>\n      text: \"Erstgespr\u00e4ch buchen\",<br \/>\n      link: \"https:\/\/cal.meetergo.com\/taudes\/15-min-erstgesprach-mit-rechtsanwalt-roman-taudes\",<br \/>\n      backgroundColor: \"#144B5A\",<br \/>\n      textColor: \"#FFFFFF\",<br \/>\n      icon: \"CalendarPlus2\",<\/p>\n<p>    },<br \/>\n  });<br \/>\n<\/script> <script defer src=\"https:\/\/liv-showcase.s3.eu-central-1.amazonaws.com\/browser-v4.js\"><\/script><\/p>\n<p><!-- meetergo widget end --><\/p>\n<h2 data-path-to-node=\"11\" id=\"page-das-urteil-des-olg-linz-entscheidung-fur-den-konsumentenschutz\">Presuda Vi\u0161eg regionalnog suda u Linzu: odluka u korist za\u0161tite potro\u0161a\u010da<\/h2>\n<p data-path-to-node=\"12\">U ovom konkretnom slu\u010daju, klijent banke je postao \u017ertva klasi\u010dnog phishing napada. Primio je SMS poruku koja je izgledala kao da dolazi od njegove banke, u kojoj se od njega tra\u017eilo da a\u017eurira svoje podatke zbog navodne promjene u sistemu. Kliknuo je na link, unio svoje podatke za prijavu i \u2013 vjeruju\u0107i da potvr\u0111uje sigurnosnu mjeru \u2013 odobrio transakciju.<\/p>\n<p data-path-to-node=\"13\">Sud prvog stepena je u po\u010detku odbacio tu\u017ebu kupca za povrat novca. Razlog je bio da je kupac postupio s krajnjom nepa\u017enjom. Me\u0111utim, <b data-path-to-node=\"13\" data-index-in-node=\"139\">Vi\u0161i regionalni sud u Linzu<\/b> zauzeo je druga\u010diji stav i poni\u0161tio presudu, ili bolje re\u010deno presudio da <b data-path-to-node=\"13\" data-index-in-node=\"210\">Podjela gubitaka<\/b>.<\/p>\n<p data-path-to-node=\"14\"><strong>Za\u0161to je banka morala platiti dio od\u0161tete?<\/strong><\/p>\n<p data-path-to-node=\"15\">Sud je priznao da, iako je klijent postupio pogre\u0161no, banka nije adekvatno ispunila svoju du\u017enost pa\u017enje. Konkretno, slu\u010daj se ticao takozvanog <b data-path-to-node=\"15\" data-index-in-node=\"187\">Pra\u0107enje prevarnih transakcija<\/b>. Banke su zakonski obavezne otkrivati i sprje\u010davati neuobi\u010dajene obrasce transakcija. Ako sustav koji je trebao sprije\u010diti tako o\u010digledan slu\u010daj prijevare to ne u\u010dini, banka ne mo\u017ee prebaciti gubitak isklju\u010divo na korisnika.<\/p>\n<h2 data-path-to-node=\"17\" id=\"page-wann-haftet-die-bank-bei-phishing-in-osterreich\">Kada banka u Austriji snosi odgovornost za phishing?<\/h2>\n<p data-path-to-node=\"18\">Pravna osnova za odgovornost u slu\u010daju neovla\u0161tenih platnih transakcija je utvr\u0111ena u <b data-path-to-node=\"18\" data-index-in-node=\"98\">Zakon o platnim uslugama iz 2018. (ZaDiG 2018)<\/b>. Kao op\u0107e pravilo:<\/p>\n<ol start=\"1\" data-path-to-node=\"19\">\n<li>\n<p data-path-to-node=\"19,0,0\"><b data-path-to-node=\"19,0,0\" data-index-in-node=\"0\">Neovla\u0161teno pla\u0107anje:<\/b> Ako kupac nije valjano autorizirao pla\u0107anje (npr. zato \u0161to je bio obmanut u pogledu prirode transakcije), banka mora bez odlaganja vratiti iznos u skladu sa \u010dlanom 68. Zakona o platnim uslugama iz 2018. godine.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"19,1,0\"><b data-path-to-node=\"19,1,0\" data-index-in-node=\"0\">Izuzetak \u2013 gruba nepa\u017enja:<\/b> Banka mo\u017ee odbiti izdavanje povrata novca ako je klijent postupio prevarno ili nije ispunio svoju du\u017enu pa\u017enju. <b data-path-to-node=\"19,1,0\" data-index-in-node=\"163\">grubo nepa\u017eljiv<\/b> povrije\u0111en.<\/p>\n<\/li>\n<\/ol>\n<h3 data-path-to-node=\"20\" id=\"page-die-neue-sichtweise-auf-grobe-fahrlassigkeit\">Nova perspektiva na &#x27;grubu nepa\u017enju&#x27;\u201e<\/h3>\n<p data-path-to-node=\"21\">U pro\u0161losti se gotovo svaki klik na phishing link smatrao grubom nepa\u017enjom. Vi\u0161i regionalni sud u Linzu i Vrhovni sud (OGH) sada zauzimaju nijansiraniji pristup.<\/p>\n<ul data-path-to-node=\"22\">\n<li>\n<p data-path-to-node=\"22,0,0\">Koliko je bila profesionalna la\u017ena isprava?<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,1,0\">Je li kupac bio izlo\u017een ogromnom pritisku putem dru\u0161tvenog in\u017eenjeringa?<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,2,0\">Je li laiku bilo o\u010digledno da je ovo bila la\u017ena web stranica?<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"23\">Ako je obmana posebno vje\u0161to izvedena, \u010desto postoji samo jedan <b data-path-to-node=\"23\" data-index-in-node=\"71\">blaga nepa\u017enja<\/b> prije \u2013 i u ovom slu\u010daju, <b data-path-to-node=\"23\" data-index-in-node=\"128\">Banka \u0107e u potpunosti nadoknaditi gubitke uzrokovane phishingom.<\/b>.<\/p>\n<h2 data-path-to-node=\"25\" id=\"page-die-rolle-des-fraud-transaction-monitorings\">Uloga nadzora transakcija prevara<\/h2>\n<p data-path-to-node=\"26\">Klju\u010dno pitanje u postupku pred Vi\u0161im regionalnim sudom u Linzu bilo je obaveza banke na nadzor. Moderne banke koriste algoritme za spre\u010davanje prevara. Na primjer, ako:<\/p>\n<ul data-path-to-node=\"27\">\n<li>\n<p data-path-to-node=\"27,0,0\">neobi\u010dno veliki iznos se prebacuje u inostranstvo,<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"27,1,0\">transakcija je izvr\u0161ena sa nepoznatog ure\u0111aja ili lokacije,<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"27,2,0\">ili gdje se pona\u0161anje korisnika zna\u010dajno razlikuje od norme,<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"28\">Sistem mora podi\u0107i uzbunu. Vi\u0161i regionalni sud u Linzu naglasio je da banke moraju <b data-path-to-node=\"28\" data-index-in-node=\"71\">objektivna du\u017enost pa\u017enje<\/b> Ako banka ne uspije provesti mehanizme upozoravanja ili ne reaguje na znakove upozorenja, bit \u0107e solidarno odgovorna.<\/p>\n<h2 data-path-to-node=\"31\" id=\"page-schadensteilung-bank-und-kunde-was-bedeutet-das-finanziell\">Podjela gubitka izme\u0111u banke i klijenta: \u0161ta to zna\u010di finansijski?<\/h2>\n<p data-path-to-node=\"32\">The <b data-path-to-node=\"32\" data-index-in-node=\"4\">Podjela gubitaka u slu\u010dajevima bankarske prevare<\/b> zna\u010di da sud utvr\u0111uje odgovaraju\u0107e stupnjeve odgovornosti. U slu\u010daju koji je razmatrao Vi\u0161i regionalni sud u Linzu, to je zna\u010dilo da kupac nije ostavljen da snosi cjelokupan gubitak.<\/p>\n<p data-path-to-node=\"33\">Lik od <b data-path-to-node=\"33\" data-index-in-node=\"24\">50:50<\/b> ili <b data-path-to-node=\"33\" data-index-in-node=\"35\">75:25<\/b> primijenjeno ovisno o te\u017eini pogre\u0161ke klijenta i razini u kojoj je sigurnosni sustav banke bio manjkav. Za \u017ertve phishinga ovo je ogroman uspjeh, jer im otvara put da povrate barem zna\u010dajan dio novca koji su izgubili, umjesto da ostanu praznih ruku.<\/p>\n<h2 data-path-to-node=\"35\" id=\"page-phishing-im-online-banking-typische-szenarien-in-osterreich\">Phishing u online bankarstvu: tipi\u010dni scenariji u Austriji<\/h2>\n<p data-path-to-node=\"36\">Prevaranti postaju sve lukaviji. U na\u0161oj pravnoj praksi posebno uo\u010davamo sljede\u0107e metode:<\/p>\n<ul data-path-to-node=\"37\">\n<li>\n<p data-path-to-node=\"37,0,0\"><b data-path-to-node=\"37,0,0\" data-index-in-node=\"0\">Vishing (glasovni phishing):<\/b> Osoba koja tvrdi da je zaposlenik banke zove i uvjerava klijenta da odobri transakciju putem aplikacije.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"37,1,0\"><b data-path-to-node=\"37,1,0\" data-index-in-node=\"0\">SMS phishing (smishing):<\/b> Obavijesti o isteku debitnih kartica ili blokiranim ra\u010dunima (&quot;Va\u0161a s-ID kartica za provjeru mora biti obnovljena&quot;).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"37,2,0\"><b data-path-to-node=\"37,2,0\" data-index-in-node=\"0\">Obrnuti phishing:<\/b> Prevaranti se predstavljaju kao kupci na platformama poput Willhabena i \u0161alju linkove na la\u017ene stranice za pla\u0107anje.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"38\">U svim ovim slu\u010dajevima postavlja se pitanje: <b data-path-to-node=\"38\" data-index-in-node=\"44\">Da li banka snosi odgovornost za isplatu u slu\u010daju prevare pri internet bankarstvu?<\/b> Odgovor sve vi\u0161e glasi: Da, barem djelimi\u010dno.<\/p>\n<h2 data-path-to-node=\"40\" id=\"page-checkliste-was-tun-nach-einem-phishing-vorfall\">Kontrolna lista: \u0160ta uraditi nakon phishing incidenta?<\/h2>\n<p data-path-to-node=\"41\">Ako primijetite da su s va\u0161eg ra\u010duna izvr\u0161ena neovla\u0161tena povla\u010denja sredstava, svaka minuta je va\u017ena.<\/p>\n<ol start=\"1\" data-path-to-node=\"42\">\n<li>\n<p data-path-to-node=\"42,0,0\"><b data-path-to-node=\"42,0,0\" data-index-in-node=\"0\">Blokiranje va\u0161eg ra\u010duna i kartica:<\/b> Odmah nazovite telefonsku liniju va\u0161e banke za blokadu kartica ili centralnu hitnu slu\u017ebu za blokadu kartica.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"42,1,0\"><b data-path-to-node=\"42,1,0\" data-index-in-node=\"0\">Osiguravanje dokaza:<\/b> Napravite snimke ekrana phishing SMS poruke, web stranice i historije u va\u0161oj bankarskoj aplikaciji. Ne bri\u0161ite ni\u0161ta!<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"42,2,0\"><b data-path-to-node=\"42,2,0\" data-index-in-node=\"0\">Da prijavite krivi\u010dno djelo:<\/b> Prijavite slu\u010daj policiji. Preporu\u010dljivo je da prethodno ili tokom pripreme prijave potra\u017eite pravni savjet od advokata.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"42,3,0\"><b data-path-to-node=\"42,3,0\" data-index-in-node=\"0\">Kontaktirajte banku:<\/b> Molimo dostavite pisani zahtjev za povrat iznosa u skladu sa ZaDiG 2018.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"42,4,0\"><b data-path-to-node=\"42,4,0\" data-index-in-node=\"0\">Pravna revizija:<\/b> Nemojte dozvoliti banci da vas odbije standardnim pismom odbijanja (&quot;Postupili ste s krajnjom nepa\u017enjom&quot;).<\/p>\n<\/li>\n<\/ol>\n<h2 data-path-to-node=\"44\" id=\"page-faq-haufige-fragen-zur-bankhaftung-bei-phishing\">\u010cPP: \u010cesto postavljana pitanja o odgovornosti banaka u slu\u010dajevima phishinga<\/h2>\n<h3 data-path-to-node=\"45\" id=\"page-1-muss-die-bank-den-schaden-immer-ersetzen\">1. Da li je banka uvijek obavezna nadoknaditi \u0161tetu?<\/h3>\n<p data-path-to-node=\"46\">Ne uvijek, ali sve \u010de\u0161\u0107e. Ako banka ne mo\u017ee dokazati da ste postupili s grubom nepa\u017enjom, mora snositi 100 % gubitka. U slu\u010daju suu\u010desne nepa\u017enje, gubitak se raspodjeljuje.<\/p>\n<h3 data-path-to-node=\"47\" id=\"page-2-gilt-die-bestatigung-per-app-2-faktor-authentifizierung-als-grobe-fahrlassigkeit\">2. Da li potvrda putem aplikacije (dvostruka autentifikacija) predstavlja grubu nemarnost?<\/h3>\n<p data-path-to-node=\"48\">Banke su spremne to tvrditi. Sudska praksa zauzima nijansiraniji stav: ako je autorizacija putem aplikacije pribavljena vje\u0161tom obmanom (socijalnim in\u017eenjeringom), to ne predstavlja automatski grubu nemarnost.<\/p>\n<h3 data-path-to-node=\"49\" id=\"page-3-wie-lange-habe-ich-zeit-den-schaden-zu-melden\">3. Koliko dugo imam da prijavim \u0161tetu?<\/h3>\n<p data-path-to-node=\"50\">Morate prijaviti neovla\u0161tenu transakciju pla\u0107anja svojoj banci odmah po otkrivanju, ili najkasnije 13 mjeseci nakon \u0161to je debitna transakcija izvr\u0161ena.<\/p>\n<h2 data-path-to-node=\"52\" id=\"page-fazit-kampfen-lohnt-sich\">Zaklju\u010dak: Vrijedi se boriti<\/h2>\n<p data-path-to-node=\"53\">Presuda Vi\u0161eg regionalnog suda u Linzu \u0161alje jasnu poruku finansijskom sektoru: odgovornost za sigurnost u online bankarstvu ne le\u017ei isklju\u010divo na klijentu. Ako ste \u017ertva <b data-path-to-node=\"53\" data-index-in-node=\"170\">Prevara u internet bankarstvu<\/b> Ako vam se ovo dogodilo, imate dobre \u0161anse da vratite svoj novac u Austriji \u2013 ili barem da osigurate pravednu podjelu gubitka.<\/p>\n<p data-path-to-node=\"54\"><b data-path-to-node=\"54\" data-index-in-node=\"0\">Jeste li izgubili novac zbog phishinga?<\/b> Neka se procijene va\u0161i zahtjevi. Mo\u017eemo vam pomo\u0107i da poduzmete mjere protiv banke i ostvarite svoja prava. Banke se \u010desto povuku kada vide da su pogo\u0111eni strana\u010di iznijeli utemeljene pravne argumente i da su upoznati s aktualnom sudskom praksom.<\/p>\n<p data-path-to-node=\"55\"><b data-path-to-node=\"55\" data-index-in-node=\"0\">Molimo kontaktirajte ATB.LAW za besplatnu po\u010detnu procjenu va\u0161eg slu\u010daja.<\/b><\/p>\n\n\n<!-- meetergo widget start -->\n<div style=\"min-width:330px\" class=\"meetergo-iframe\" data-src=\"https:\/\/cal.meetergo.com\/taudes\/15-min-erstgesprach-mit-rechtsanwalt-roman-taudes\"><\/div>\n<script defer src=\"https:\/\/liv-showcase.s3.eu-central-1.amazonaws.com\/browser-v4.js\"><\/script>\n<!-- meetergo widget end -->\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"template":"","categories":[39],"class_list":["post-8625","blog-post","type-blog-post","status-publish","has-post-thumbnail","hentry","category-anlegerrecht"],"acf":[],"post-kategorie":"39","_post-kategorie":"field_66d947537140a","post-kurzbeschreibung":"Ein Urteil des OLG Linz (1 R 45\/25f) st\u00e4rkt die Rechte von Phishing-Opfern in \u00d6sterreich. Erfahren Sie, warum Banken bei Online-Banking-Betrug trotz Fehlern der Kunden oft f\u00fcr den Schaden mithaften m\u00fcssen und wie die Schadensteilung funktioniert.","_post-kurzbeschreibung":"field_66d949fe1efe2","post-beitragsbild":"7863","_post-beitragsbild":"field_66d94a4a1efe3","post-author_post-author-name":"Roman Taudes","_post-author_post-author-name":"field_66d94a801efe5","post-author_post-author-foto":"5985","_post-author_post-author-foto":"field_66d94aa11efe6","post-author":"","_post-author":"field_66d94ee2827ca","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Online Betrug: Wann Banken in \u00d6sterreich Schadenersatz leisten<\/title>\n<meta name=\"description\" content=\"Ihr Konto wurde leerger\u00e4umt? Die Bank hat \u00dcberwachungspflichten (Fraud-Monitoring). 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Die Bank hat \u00dcberwachungspflichten (Fraud-Monitoring). 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