{"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-prijevara-banka-i-klijent-moraju-podijeliti-gubitak","status":"publish","type":"blog-post","link":"https:\/\/atb.law\/hr\/blog-post\/phishing-betrug-bank-und-kunde-muessen-schaden-teilen\/","title":{"rendered":"Phishing prijevara: 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 postao je \u017ertva klasi\u010dnog phishing napada. Primio je SMS poruku koja je izgledala kao da dolazi od njegove banke i u kojoj se od njega tra\u017eilo da a\u017eurira svoje podatke zbog navodne promjene u sustavu. Kliknuo je na poveznicu, unio svoje podatke za prijavu i odobrio transakciju \u2013 vjeruju\u0107i da potvr\u0111uje sigurnosnu mjeru.<\/p>\n<p data-path-to-node=\"13\">Sud prve instance je u po\u010detku odbacio zahtjev kupca za povrat novca. Tvrdnja je bila da je kupac postupio s grubom 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, odnosno 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 prijevarnih transakcija<\/b>. Banke su zakonski obvezne otkrivati i sprje\u010davati neuobi\u010dajene obrasce transakcija. Ako sustav koji je trebao sprije\u010diti tako o\u010diti slu\u010daj prijevare zaka\u017ee, banka ne mo\u017ee prebaciti gubitak isklju\u010divo na klijenta.<\/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 utvr\u0111ena je 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 doveden u zabludu u pogledu prirode transakcije), banka mora bez odga\u0111anja vratiti iznos u skladu s \u010dlankom 68. Zakona o digitalnim uslugama (ZaDiG) iz 2018.<\/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\">Iznimka \u2013 gruba nepa\u017enja:<\/b> Banka mo\u017ee odbiti izdavanje povrata sredstava ako je klijent postupio prijevarno ili nije ispunio svoju du\u017enu skrb. <b data-path-to-node=\"19,1,0\" data-index-in-node=\"163\">grubo nemaran<\/b> ozlije\u0111en.<\/p>\n<\/li>\n<\/ol>\n<h3 data-path-to-node=\"20\" id=\"page-die-neue-sichtweise-auf-grobe-fahrlassigkeit\">Novi pogled na &#x27;grubu nemarnost&#x27;\u201e<\/h3>\n<p data-path-to-node=\"21\">U pro\u0161losti se gotovo svaki klik na phishing poveznicu tuma\u010dio kao gruba nepa\u017enja. 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\u010dito da je to bila la\u017ena web stranica?<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"23\">Ako je obmana izvedena osobito vje\u0161to, \u010desto postoji samo jedan <b data-path-to-node=\"23\" data-index-in-node=\"71\">blaga nemarnost<\/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 prijevara<\/h2>\n<p data-path-to-node=\"26\">Klju\u010dno pitanje u postupku pred Vi\u0161im regionalnim sudom u Linzu bilo je obveza banke na nadzor. Moderni banke koriste algoritme za sprje\u010davanje prijevara. Na primjer, ako:<\/p>\n<ul data-path-to-node=\"27\">\n<li>\n<p data-path-to-node=\"27,0,0\">izvanredno veliki iznos se prebacuje u inozemstvo,<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"27,1,0\">transakcija se obavlja s 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\">sustav mora pokrenuti alarm. Vi\u0161i regionalni sud u Linzu naglasio je da banke imaju <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 reagira na znakove upozorenja, snosi su-krivnju.<\/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: \u0161to to financijski zna\u010di?<\/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 bankovnih prijevara<\/b> zna\u010di da sud utvr\u0111uje odgovaraju\u0107e stupnjeve odgovornosti. U predmetu koji je razmatrao Vi\u0161i regionalni sud u Linzu to je zna\u010dilo da kupac nije ostavljen da snosi cjelokupni 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> Nanosilo se 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 internetskom bankarstvu: tipi\u010dni scenariji u Austriji<\/h2>\n<p data-path-to-node=\"36\">Prevaranti postaju sve sofisticiraniji. 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 nazove klijenta i uvjeri ga 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 se obnoviti&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 na platformama poput Willhabena predstavljaju kao kupci i \u0161alju poveznice 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\">Je li banka odgovorna za isplatu u slu\u010daju prijevare pri internetskom bankarstvu?<\/b> Odgovor je sve vi\u0161e: Da, barem djelomi\u010dno.<\/p>\n<h2 data-path-to-node=\"40\" id=\"page-checkliste-was-tun-nach-einem-phishing-vorfall\">Kontrolna lista: \u0160to u\u010diniti nakon phishing incidenta?<\/h2>\n<p data-path-to-node=\"41\">Ako primijetite da su s va\u0161eg ra\u010duna izvr\u0161ena neovla\u0161tena tere\u0107enja, 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 za blokadu kartica svoje banke ili sredi\u0161nju 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 zaslona phishing SMS poruke, web-stranice i povijesti transakcija u va\u0161oj bankarskoj aplikaciji. Ni\u0161ta nemojte brisati!<\/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\">Za prijavu kaznenog djela:<\/b> Prijavite slu\u010daj policiji. Preporu\u010dljivo je prije toga ili tijekom pripreme prijave potra\u017eiti pravni savjet odvjetnika.<\/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-om 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 recenzija:<\/b> Nemojte dopustiti 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. Je li banka uvijek obvezna nadoknaditi gubitak?<\/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. \u010cini li potvrda putem aplikacije (dvostruka provjera) grubu nemarnost?<\/h3>\n<p data-path-to-node=\"48\">Banke su spremne iznijeti tu tvrdnju. Sudovi zauzimaju nijansiraniji stav: ako je autorizacija aplikacije dobivena 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 vremena prijaviti \u0161tetu?<\/h3>\n<p data-path-to-node=\"50\">Morate prijaviti neovla\u0161tenu transakciju pla\u0107anja svojoj banci odmah po otkrivanju, a najkasnije 13 mjeseci nakon tere\u0107enja.<\/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 financijskom sektoru: odgovornost za sigurnost internetskog bankarstva ne le\u017ei isklju\u010divo na klijentu. Ako postanete \u017ertva <b data-path-to-node=\"53\" data-index-in-node=\"170\">Prijevara u internetskom bankarstvu<\/b> Ako vam se ovo dogodilo, imate dobre \u0161anse da vratite svoj novac u Austriji \u2013 ili barem da osigurate pravednu podjelu gubitaka.<\/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 poduzeti mjere protiv banke i ostvariti svoja prava. Banke se \u010desto povuku \u010dim uo\u010de da su pogo\u0111eni podnositelji dobro utemeljenih pravnih argumenata i 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 neobvezuju\u0107u 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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