{"id":14949,"date":"2026-01-13T10:00:59","date_gmt":"2026-01-13T09:00:59","guid":{"rendered":"https:\/\/hu.andersen.com\/?p=14949"},"modified":"2026-01-19T13:36:23","modified_gmt":"2026-01-19T12:36:23","slug":"ugyfelatvilagitas-bvk-pmt-kotelezettsegek","status":"publish","type":"post","link":"https:\/\/hu.andersen.com\/hu\/hirek\/ugyfelatvilagitas-bvk-pmt-kotelezettsegek\/","title":{"rendered":"\u00dcgyf\u00e9l-\u00e1tvil\u00e1g\u00edt\u00e1s \u00e9s BVK: a PMT k\u00f6telezetts\u00e9g nem \u00e1ll meg a bankokn\u00e1l"},"content":{"rendered":"\n<p><strong>A p\u00e9nzmos\u00e1s \u00e9s terrorizmus-finansz\u00edroz\u00e1s elleni k\u00f6telezetts\u00e9gekkel m\u00e1ra m\u00e1r mindenki tal\u00e1lkozott, azok szinte mindennaposak. Ezzel szembes\u00fcl\u00fcnk akkor, amikor banki sz\u00e1ml\u00e1t nyitunk, amikor \u00fcgyv\u00e9dhez fordulunk, vagy amikor a k\u00f6nyvel\u0151nk \u00faj megb\u00edz\u00e1si szerz\u0151d\u00e9st k\u00e9sz\u00edt. Ezek a helyzetek ma m\u00e1r rutinszer\u0171ek, tapasztalataink szerint m\u00e9gis sokan elfeledkeznek arr\u00f3l, hogy a mag\u00e1nszem\u00e9lyk\u00e9nt l\u00e9trehozott <a href=\"https:\/\/hu.andersen.com\/hu\/adotanacsadas-szolgaltatas\/bizalmi-vagyonkezeles\/\">bizalmi vagyonkezel\u00e9s<\/a> (\u201eBVK\u201d) eset\u00e9n ugyan\u00edgy k\u00f6telezetts\u00e9geket r\u00f3 r\u00e1nk a szab\u00e1lyoz\u00e1s. Az Andersen bizalmi vagyonkezel\u00e9sr\u0151l sz\u00f3l\u00f3 szakmai cikksorozat\u00e1nak negyedik r\u00e9sz\u00e9ben ezzel a t\u00e9m\u00e1val foglalkozunk.<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color has-medium-font-size wp-elements-c968e1c0f9d061d787c49e6af270a509\" id=\"h-milyen-kotelezettsegeket-ir-elo-a-pmt-torveny-a-bizalmi-vagyonkezeles-kapcsan\" style=\"color:#ab0e1e\"><strong>Milyen k\u00f6telezetts\u00e9geket \u00edr el\u0151 a PMT t\u00f6rv\u00e9ny a bizalmi vagyonkezel\u00e9s kapcs\u00e1n?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A vagyonkezel\u0151 <a href=\"https:\/\/njt.hu\/jogszabaly\/2017-53-00-00.4\">a p\u00e9nzmos\u00e1s \u00e9s a terrorizmus finansz\u00edroz\u00e1sa megel\u0151z\u00e9s\u00e9r\u0151l \u00e9s megakad\u00e1lyoz\u00e1s\u00e1r\u00f3l sz\u00f3l\u00f3 jogszab\u00e1lyokkal (PMT)<\/a> \u00f6sszhangban bels\u0151 szab\u00e1lyzat \u00f6ssze\u00e1ll\u00edt\u00e1s\u00e1ra k\u00f6teles a BVK l\u00e9trehoz\u00e1sakor. Fontos, hogy a vonatkoz\u00f3 jogszab\u00e1lyi k\u00f6rnyezet folyamatos v\u00e1ltoz\u00e1s\u00e1val a szab\u00e1lyzat rendszeres id\u0151k\u00f6z\u00f6nk\u00e9nti fel\u00fclvizsg\u00e1lat\u00e1ra is sort kell ker\u00edteni.<\/li>\n\n\n\n<li>A BVK megalap\u00edt\u00e1sakor a vagyonkezel\u0151 k\u00f6teles \u00e1tvil\u00e1g\u00edt\u00e1st v\u00e9gezni a PMT szerint. Az \u00e1tvil\u00e1g\u00edt\u00e1s sor\u00e1n be kell mutatni a t\u00e9nyleges tulajdonosi k\u00f6rt, mely a t\u00f6rv\u00e9nyi defin\u00edci\u00f3 szerint minden \u00e9rintettre kiterjed: a vagyonrendel\u0151t, a vagyonkezel\u0151t, a kedvezm\u00e9nyezettet.<\/li>\n\n\n\n<li>Az elv\u00e9gzett \u00e1tvil\u00e1g\u00edt\u00e1sr\u00f3l nyilv\u00e1ntart\u00e1st kell vezetni.<\/li>\n\n\n\n<li>A BVK \u00fcgyletek automatikusan magas kock\u00e1zati kateg\u00f3ri\u00e1ba esnek, \u00edgy meger\u0151s\u00edtett \u00e1tvil\u00e1g\u00edt\u00e1si elj\u00e1r\u00e1st kell elv\u00e9gezni, \u00e9s fokozott ellen\u0151rz\u00e9sre kell sz\u00e1m\u00edtani.<\/li>\n\n\n\n<li>Szem\u00e9lyazonos\u00edt\u00f3 iratok, nyilatkozatok, a vagyon eredet\u00e9nek igazol\u00e1sa, valamint a kedvezm\u00e9nyezettekre vonatkoz\u00f3 adatok \u00e1tad\u00e1sa sz\u00fcks\u00e9ges.<\/li>\n\n\n\n<li>A BVK \u00e9letciklus\u00e1ban bek\u00f6vetkez\u0151 v\u00e1ltoz\u00e1sok (pl. \u00faj kedvezm\u00e9nyezett, szab\u00e1lyzatm\u00f3dos\u00edt\u00e1s) is kiv\u00e1lthatnak tov\u00e1bbi \u00e1tvil\u00e1g\u00edt\u00e1si k\u00f6telezetts\u00e9get.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color has-medium-font-size wp-elements-3002f5229d88327792a37e3032806a20\" id=\"h-mire-erdemes-figyelni-meg-a-pmt-vonatkozasaban\" style=\"color:#ab0e1e\"><strong>Mire \u00e9rdemes figyelni m\u00e9g a PMT vonatkoz\u00e1s\u00e1ban?<\/strong><\/h2>\n\n\n\n<p>Nem csak egy BVK konstrukci\u00f3 l\u00e9trehoz\u00e1sakor \u00e9s m\u0171k\u00f6dtet\u00e9se sor\u00e1n kell megfelelni a p\u00e9nzmos\u00e1s elleni szab\u00e1lyoknak. Minden egyes kifizet\u00e9sn\u00e9l ellen\u0151rz\u00e9sre \u00e9s megfelel\u0151 dokument\u00e1ci\u00f3ra van sz\u00fcks\u00e9ges a PMT alapj\u00e1n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a kedvezm\u00e9nyezett szem\u00e9lyazonoss\u00e1g\u00e1nak \u00e9s jogosults\u00e1g\u00e1nak igazol\u00e1sa;<\/li>\n\n\n\n<li>a kifizet\u00e9s jogc\u00edm\u00e9nek \u00e9s \u00f6sszeg\u00e9nek dokument\u00e1l\u00e1sa;<\/li>\n\n\n\n<li>sz\u00fcks\u00e9g eset\u00e9n tov\u00e1bbi iratok beny\u00fajt\u00e1sa a tranzakci\u00f3 indokolts\u00e1g\u00e1r\u00f3l.<\/li>\n<\/ul>\n\n\n\n<p>B\u00e1r a mag\u00e1n bizalmi vagyonkezel\u00e9s alapvet\u0151en csal\u00e1di vagyonv\u00e9delmi c\u00e9lokat szolg\u00e1l, a p\u00e9nzmos\u00e1s elleni szab\u00e1lyok itt is teljes k\u00f6rben \u00e9rv\u00e9nyes\u00fclnek. \u00c9rdemes teh\u00e1t m\u00e1r a BVK tervez\u00e9si f\u00e1zis\u00e1ban \u00e1ttekinteni a PMT szab\u00e1lyait \u00e9s el\u0151re felk\u00e9sz\u00fclni, hiszen a megfelel\u00e9s nem v\u00e1laszt\u00e1s, hanem t\u00f6rv\u00e9nyi k\u00f6telezetts\u00e9g.<\/p>\n\n\n\n<p><em><strong>Az Andersen szak\u00e9rt\u0151inek bizalmi vagyonkezel\u00e9sr\u0151l sz\u00f3l\u00f3 cikksorozat\u00e1ban a gyakorlatban tapasztalt tipikus probl\u00e9m\u00e1kb\u00f3l \u00e9s dilemm\u00e1kb\u00f3l v\u00e1logatunk. <\/strong><\/em><a href=\"https:\/\/hu.andersen.com\/hu\/hirek\/andersen-bizalmi-vagyonkezeles-gyakorlat-cikksorozat\/\"><strong><em>A sorozat bevezet\u0151 r\u00e9sze ezen a linken \u00e9rhet\u0151 el&gt;&gt;<\/em><\/strong><\/a><em><strong>.<\/strong><\/em><\/p>\n\n\n\n<p><em>Az Andersen bizalmi vagyonkezel\u00e9ssel kapcsolatos szolg\u00e1ltat\u00e1sair\u00f3l <\/em><a href=\"https:\/\/hu.andersen.com\/hu\/adotanacsadas-szolgaltatas\/bizalmi-vagyonkezeles\/\"><em>ezen az oldalon<\/em><\/a><em> lehet b\u0151vebben olvasni.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sokan elfeledkeznek arr\u00f3l, hogy a mag\u00e1nszem\u00e9lyk\u00e9nt l\u00e9trehozott bizalmi vagyonkezel\u00e9st is \u00e9rinti a PMT-szab\u00e1lyoz\u00e1s.<\/p>\n","protected":false},"author":1028,"featured_media":14950,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[38],"tags":[41],"class_list":{"0":"post-14949","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-hirek","8":"tag-slider-2","9":"entry"},"acf":[],"featured_image_src":"https:\/\/hu.andersen.com\/wp-content\/uploads\/2026\/01\/BVK-PMT-kotelezettsegek.jpg","author_info":{"display_name":"G\u00f6tz Attila","author_link":"https:\/\/hu.andersen.com\/hu\/author\/agotz\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00dcgyf\u00e9l-\u00e1tvil\u00e1g\u00edt\u00e1s \u00e9s BVK: a PMT k\u00f6telezetts\u00e9g nem \u00e1ll meg a bankokn\u00e1l<\/title>\n<meta name=\"description\" content=\"Sokan elfeledkeznek arr\u00f3l, hogy a mag\u00e1nszem\u00e9lyk\u00e9nt l\u00e9trehozott bizalmi vagyonkezel\u00e9s eset\u00e9n is k\u00f6telezetts\u00e9geket \u00edr el\u0151 a PMT-szab\u00e1lyoz\u00e1s.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hu.andersen.com\/hu\/hirek\/ugyfelatvilagitas-bvk-pmt-kotelezettsegek\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00dcgyf\u00e9l-\u00e1tvil\u00e1g\u00edt\u00e1s \u00e9s BVK: a PMT k\u00f6telezetts\u00e9g nem \u00e1ll meg a bankokn\u00e1l\" 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