{"id":29252,"date":"2026-08-29T07:00:03","date_gmt":"2026-08-29T07:00:03","guid":{"rendered":"https:\/\/bilnex.io\/lv\/bankas-savienojums-csv-imports\/"},"modified":"2026-08-29T07:00:03","modified_gmt":"2026-08-29T07:00:03","slug":"bankas-zapocnost-csv-imports","status":"publish","type":"page","link":"https:\/\/bilnex.io\/en\/bankas-zapocnost-csv-imports\/","title":{"rendered":"Bankas konsuktions vai CSV imports: kas jums der\u012bgs?"},"content":{"rendered":"<article class=\"article-content-section article-content article-single\">\n<div class=\"container content-area\">\n<div class=\"text-content ce-answer\">\n<h2 id=\"isuma-izvelies-nevis-riku-bet-darba-plusmu\">\u012asum\u0101: izv\u0113lies nevis r\u012bku, bet darba pl\u016bsmu<\/h2>\n<p>Vairumam Latvijas un Igaunijas mazo uz\u0146\u0113mumu ikdienas gr\u0101matved\u012bbai vislab\u0101k piem\u0113rots bankas savienojums, jeb past\u0101v\u012bga konta inform\u0101cijas autom\u0101tiska nodo\u0161ana gr\u0101matved\u012bbas programmai, jo tas notur atlikumu un dar\u012bjumus aktu\u0101lus bez manu\u0101la darba. CSV imports \u2013 vienreiz\u0113js konta izraksta fails, ko aug\u0161upiel\u0101d\u0113jat programm\u0101 manu\u0101li \u2013 tom\u0113r paliek piln\u012bgi sapr\u0101t\u012bga izv\u0113le, ja dar\u012bjumu ir maz, banku ir viena vai divas un v\u0113laties patur\u0113t kontroli minim\u0101l\u0101 apjom\u0101. Bankas savienojums saska\u0146\u0101 ar PSD2 direkt\u012bvas <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2015\/2366\/oj\">67. pantu<\/a> pie\u0161\u0137ir tre\u0161ajai pusei tikai las\u012b\u0161anas ties\u012bbas uz kontu. Tas neaizst\u0101j r\u0113\u0137inu, kv\u012bti vai konta izrakstu k\u0101 dar\u012bjuma pier\u0101d\u012bjumu. Latvijas <a href=\"https:\/\/likumi.lv\/ta\/id\/324249-gramatvedibas-likums\">Gr\u0101matved\u012bbas likums<\/a> pie\u013cauj apstiprin\u0101tu bankas izrakstu uzskat\u012bt par attaisnojuma dokumentu tikai tad, ja atbild\u012bg\u0101 persona to ir apstiprin\u0101jusi uz\u0146\u0113muma noteiktaj\u0101 k\u0101rt\u012bb\u0101. Pareiz\u0101 izv\u0113le 2026. gada august\u0101 nav &#8220;autom\u0101tiski vai manu\u0101li&#8221;. T\u0101 ir darba pl\u016bsma, kas notur naudas pl\u016bsmu p\u0101rskat\u0101mu, saglab\u0101 pier\u0101d\u012bjumus un patur kontroli p\u0101r konta datu piek\u013cuvi j\u016bsu pus\u0113.<\/p>\n<p>At\u0161\u0137ir\u012bba starp \u0161\u012bm div\u0101m pieej\u0101m nav tikai \u0113rt\u012bb\u0101. T\u0101 ir ar\u012b atbild\u012bbas jaut\u0101jums: kur\u0161 redz j\u016bsu konta datus, cik ilgi un uz k\u0101da pamata. Uz \u0161o jaut\u0101jumu j\u0101atbild, pirms noklik\u0161\u0137inat apstiprin\u0101juma pogu bankas savienojumam.<\/p>\n<h2 id=\"ko-tiesam-dara-bankas-savienojums-un-ko-dara-csv-imports\">Ko tie\u0161\u0101m dara bankas savienojums un ko dara CSV imports?<\/h2>\n<h3 id=\"bankas-savienojums-un-konta-informacijas-pakalpojums-ais\">Bankas savienojums un konta inform\u0101cijas pakalpojums (AIS)<\/h3>\n<p>Bankas savienojums parasti noz\u012bm\u0113 konta inform\u0101cijas pakalpojumu jeb Account Information Service (AIS). T\u0101 ir tre\u0161\u0101s puses ties\u012bba las\u012bt j\u016bsu konta dar\u012bjumus un atlikumu tie\u0161i no bankas, saska\u0146\u0101 ar PSD2 direkt\u012bvas <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2015\/2366\/oj\">67. pantu<\/a>. T\u0101 ir las\u012b\u0161anas ties\u012bba, nevis r\u012bc\u012bbas ties\u012bba: pakalpojuma sniedz\u0113js redz, kas kont\u0101 ieskait\u012bts un kas no t\u0101 izg\u0101jis, bet nevar pats virz\u012bt naudu. Maks\u0101jumu inici\u0113\u0161anu direkt\u012bva regul\u0113 ar atsevi\u0161\u0137u pantu par maks\u0101jumu inici\u0113\u0161anas pakalpojumu jeb Payment Initiation Service (PIS). T\u0101s ir divas at\u0161\u0137ir\u012bgas licences un divi at\u0161\u0137ir\u012bgi pakalpojumi, pat ja abus ikdien\u0101 sauc vienk\u0101r\u0161i par &#8220;bankas savienojumu&#8221;. Ja j\u016bsu gr\u0101matved\u012bbas programma vien lasa un sasaista dar\u012bjumus, tas ir AIS; ja t\u0101 ar\u012b inici\u0113 maks\u0101jumus, runa ir par atsevi\u0161\u0137as licences pakalpojumu.<\/p>\n<h3 id=\"csv-imports-ka-briza-momentuznemums\">CSV imports k\u0101 br\u012b\u017ea momentuz\u0146\u0113mums<\/h3>\n<p>CSV fails (Comma-Separated Values, teksta form\u0101ta tabula, ko banka izveido no konta izraksta) darbojas p\u0113c pavisam citas lo\u0123ikas. Tas ir br\u012b\u017ea momentuz\u0146\u0113mums. Lejupiel\u0101d\u0113jat viena perioda dar\u012bjumus, import\u0113jat tos programm\u0101, un p\u0113c tam fails pats no sevis vair\u0101k neatjaunojas. Kad r\u012bt pien\u0101k jauns maks\u0101juma r\u012bkojums, jums j\u0101iel\u0101d\u0113 jauns fails no jauna. Savienojums, savuk\u0101rt, ievelk datus nep\u0101rtraukti \u2013 bie\u017ei katru dienu vai vair\u0101kas reizes dien\u0101.<\/p>\n<h2 id=\"kadi-ir-pieci-lemuma-kriteriji-mazam-uznemumam\">K\u0101di ir pieci l\u0113muma krit\u0113riji mazam uz\u0146\u0113mumam?<\/h2>\n<p>L\u0113mums balst\u0101s uz pieciem jaut\u0101jumiem, nevis vienu.<\/p>\n<ul>\n<li><strong>Cik aktu\u0101lu atlikumu jums nepiecie\u0161ams?<\/strong> Ja klienti maks\u0101 ar priek\u0161apmaksu un jums j\u0101redz ieskait\u012bjums taj\u0101 pa\u0161\u0101 dien\u0101, piem\u0113rots bankas savienojums. Ja naudu p\u0101rbaudat vienu reizi ned\u0113\u013c\u0101, ar CSV importu j\u016bs nezaud\u0113siet nek\u0101.<\/li>\n<li><strong>Cik dar\u012bjumu m\u0113nes\u012b?<\/strong> 15 dar\u012bjumus m\u0113nes\u012b import\u0113siet no CSV faila piec\u0101s min\u016bt\u0113s. 250 dar\u012bjumu m\u0113nes\u012b noz\u012bm\u0113 past\u0101v\u012bgu k\u013c\u016bdu risku manu\u0101l\u0101 import\u0101 un stundas zaud\u0113ta laika. \u0160eit savienojums ir pamatots.<\/li>\n<li><strong>Cik banku un val\u016btu?<\/strong> Viena Latvijas banka vien\u0101 val\u016bt\u0101 ir vienk\u0101r\u0161a CSV importam. Tr\u012bs bankas tr\u012bs valst\u012bs, da\u017e\u0101d\u0101s val\u016bt\u0101s, padara manu\u0101lu importu darbietilp\u012bgu un palielina dubl\u0113\u0161an\u0101s risku.<\/li>\n<li><strong>Cik liels ir k\u013c\u016bdas risks?<\/strong> Manu\u0101l\u0101 import\u0101 risks ir aug\u0161upiel\u0101d\u0113t to pa\u0161u failu divreiz vai izlaist periodu. Savienojums \u0161o risku samazina, bet pievieno sasaistes noteikumu k\u013c\u016bdas risku, par ko t\u0101l\u0101k.<\/li>\n<li><strong>K\u0101ds ir rezerves process?<\/strong> Pat lietojot savienojumu, CSV importam j\u0101b\u016bt pieejamam k\u0101 rezerves variantam, ja banka p\u0101rtrauc pakalpojumu vai maina API (programmat\u016bras saskarni, pa kuru dati tiek p\u0101rraid\u012bti).<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th>Krit\u0113rijs<\/th>\n<th>Bankas savienojums<\/th>\n<th>CSV imports<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Datu aktualit\u0101te<\/td>\n<td>Gandr\u012bz re\u0101llaik\u0101, atjaunojas autom\u0101tiski<\/td>\n<td>Br\u012b\u017ea fails, atjaunin\u0101ms manu\u0101li<\/td>\n<\/tr>\n<tr>\n<td>Piem\u0113rots dar\u012bjumu apjoms<\/td>\n<td>V\u0113rt\u012bgs apsv\u0113rt, ja dar\u012bjumu daudz un tie n\u0101k past\u0101v\u012bgi<\/td>\n<td>Labi piem\u0113rots, ja dar\u012bjumu maz un tie n\u0101k reti<\/td>\n<\/tr>\n<tr>\n<td>Vair\u0101ku banku\/val\u016btu atbalsts<\/td>\n<td>Labs, ja saskarne atbalsta visus kontus<\/td>\n<td>Darbojas, bet katrai bankai savs fails<\/td>\n<\/tr>\n<tr>\n<td>Manu\u0101lais darbs<\/td>\n<td>Minim\u0101ls, j\u0101uztur sasaistes noteikumi<\/td>\n<td>Regul\u0101ra lejupiel\u0101de un aug\u0161upiel\u0101de<\/td>\n<\/tr>\n<tr>\n<td>Atkar\u012bba no tre\u0161\u0101s puses<\/td>\n<td>Atkar\u012bgs no pakalpojuma sniedz\u0113ja l\u012bguma un licences<\/td>\n<td>Atkar\u012bgs vien\u012bgi no bankas, nevis starpnieka<\/td>\n<\/tr>\n<tr>\n<td>Rezerves risin\u0101jums trauc\u0113juma gad\u012bjum\u0101<\/td>\n<td>Nepiecie\u0161ams CSV kabat\u0101<\/td>\n<td>Pats par sevi jau ir rezerves risin\u0101jums<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"vai-bankas-ieraksts-ir-tas-pats-kas-attaisnojuma-dokuments\">Vai bankas ieraksts ir tas pats, kas attaisnojuma dokuments?<\/h2>\n<p>\u0160eit gan savienojums, gan CSV rada visvair\u0101k p\u0101rpratumu. Bankas dar\u012bjums par\u0101da, ka nauda p\u0101rvietoj\u0101s. Tas nepar\u0101da, par ko, ar k\u0101du PVN likmi vai uz k\u0101da l\u012bguma pamata.<\/p>\n<h3 id=\"latvijas-prasibas-attaisnojuma-dokumentam\">Latvijas pras\u012bbas attaisnojuma dokumentam<\/h3>\n<p>Saska\u0146\u0101 ar Latvijas <a href=\"https:\/\/likumi.lv\/ta\/id\/324249-gramatvedibas-likums\">Gr\u0101matved\u012bbas likumu<\/a> par attaisnojuma dokumentu priek\u0161roka j\u0101sniedz \u0101r\u0113jam dokumentam \u2013 r\u0113\u0137inam, kv\u012btij vai l\u012bgumam \u2013 nevis iek\u0161\u0113jam dokumentam, un \u0161im dokumentam j\u0101sp\u0113j pamatot dar\u012bjuma ekonomisko saturu; bankas maks\u0101juma rinda parasti to viena pati nesp\u0113j. Neapstiprin\u0101tu konta izrakstu iz\u0146\u0113muma k\u0101rt\u0101 var uzskat\u012bt par attaisnojuma dokumentu, ta\u010du vien\u012bgi tad, ja uz\u0146\u0113muma vad\u012bt\u0101ja noteiktaj\u0101 k\u0101rt\u012bb\u0101 atbild\u012bg\u0101 persona dar\u012bjumu un datu pareiz\u012bbu ir apstiprin\u0101jusi atsevi\u0161\u0137i.<\/p>\n<h3 id=\"igaunijas-prasibas-attaisnojuma-dokumentam\">Igaunijas pras\u012bbas attaisnojuma dokumentam<\/h3>\n<p>Igaunijas puse ir formul\u0113ta v\u0113l skaidr\u0101k: saska\u0146\u0101 ar <a href=\"https:\/\/www.riigiteataja.ee\/en\/compare_wordings?grupiId=100007&amp;vasakAktId=510072025005\">Igaunijas Gr\u0101matved\u012bbas likumu<\/a> katram gr\u0101matved\u012bbas ierakstam j\u0101balst\u0101s uz dar\u012bjumu apliecino\u0161u prim\u0101ro dokumentu vai kopsavilkuma dokumentu, kas veidots uz prim\u0101ro dokumentu pamata. Bankas izraksts nav prim\u0101rais dokuments \u2013 r\u0113\u0137ins vai kv\u012bts ir. No 2025. gada 1. j\u016blija prim\u0101rajam dokumentam <a href=\"https:\/\/www.riigiteataja.ee\/en\/compare_wordings?grupiId=100007&amp;vasakAktId=510072025005\">parasti j\u0101b\u016bt ma\u0161\u012bnlas\u0101mam<\/a>; cits, past\u0101v\u012bg\u0101 rakstveida form\u0101 reproduc\u0113jams dokuments ir pie\u013caujams vien\u012bgi likum\u0101 konkr\u0113ti min\u0113tos iz\u0146\u0113muma gad\u012bjumos. Gan Latvijas, gan Igaunijas likums atst\u0101j uz\u0146\u0113muma vad\u012bt\u0101ja atbild\u012bbu sp\u0113k\u0101 ar\u012b tad, ja gr\u0101matved\u012bbu vi\u0146a viet\u0101 k\u0101rto \u0101rpakalpojuma gr\u0101matvedis vai programma. <a href=\"https:\/\/likumi.lv\/ta\/id\/324249-gramatvedibas-likums\">Latvijas likums<\/a> to nosaka tie\u0161\u0101 tekst\u0101.<\/p>\n<p>Praktik\u0101 tas noz\u012bm\u0113 vienu likumsakar\u012bbu: katram ieskait\u012bjumam un maks\u0101jumam j\u0101b\u016bt sasaist\u012btam ar savu r\u0113\u0137inu, kv\u012bti vai l\u012bgumu \u2013 numuram pret numuru, summai pret summu \u2013 neatkar\u012bgi no t\u0101, vai bankas rinda gr\u0101matved\u012bb\u0101 non\u0101ca ar savienojuma vai CSV faila pal\u012bdz\u012bbu. Glab\u0101\u0161anas termi\u0146i at\u0161\u0137iras pa valst\u012bm: Latvij\u0101 gr\u0101matved\u012bbas re\u0123istri un attaisnojuma dokumenti j\u0101glab\u0101 <a href=\"https:\/\/likumi.lv\/ta\/id\/324249-gramatvedibas-likums\">10 gadus<\/a>, citi attaisnojuma dokumenti \u2013 vismaz piecus gadus; Igaunij\u0101 prim\u0101rie dokumenti, re\u0123istri, \u017eurn\u0101li un l\u012bgumi j\u0101glab\u0101 <a href=\"https:\/\/www.riigiteataja.ee\/en\/compare_wordings?grupiId=100007&amp;vasakAktId=510072025005\">septi\u0146us gadus<\/a> p\u0113c attiec\u012bg\u0101 p\u0101rskata gada beig\u0101m.<\/p>\n<h2 id=\"ka-pieslegt-banku-nezaudejot-kontroli\">K\u0101 piesl\u0113gt banku, nezaud\u0113jot kontroli?<\/h2>\n<p>Pirms apstiprin\u0101t tre\u0161ajai pusei piek\u013cuvi kontam, izejiet cauri kontrolsarakstam, kas l\u0113mumu par piek\u013cuvi patur j\u016bsu rok\u0101s.<\/p>\n<ul>\n<li><strong>Ierobe\u017eojiet piekri\u0161anas apjomu.<\/strong> PSD2 <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2015\/2366\/oj\">67. pants<\/a> pakalpojuma sniedz\u0113jam uzliek pien\u0101kumu l\u016bgt skaidru piekri\u0161anu, un to attiecina vien\u012bgi uz nor\u0101d\u012btajiem kontiem un ar tiem saist\u012btajiem dar\u012bjumiem. Pie\u0161\u0137iriet piek\u013cuvi tikai tiem kontiem, kas jums gr\u0101matved\u012bb\u0101 tie\u0161\u0101m vajadz\u012bgi, nevis visiem uz\u0146\u0113muma bankas produktiem.<\/li>\n<li><strong>P\u0101rbaudiet pakalpojuma sniedz\u0113ja statusu.<\/strong> Pirms pakalpojuma lieto\u0161anas p\u0101rbaudiet, vai pakalpojuma sniedz\u0113js ir iek\u013cauts <a href=\"https:\/\/www.eba.europa.eu\/risk-and-data-analysis\/data\/registers\/payment-institutions-register\">EBI re\u0123istr\u0101<\/a>. Re\u0123istrs atjaunojas p\u0113c dal\u012bbvalstu iesniegtajiem datiem vismaz reizi dien\u0101, ta\u010du iek\u013cau\u0161ana re\u0123istr\u0101 pati par sevi nedod juridiskas ties\u012bbas un gal\u012bgi neapliecina statusu; paral\u0113li p\u0101rbaudi veiciet ar\u012b savas valsts uzraudz\u012bbas iest\u0101des re\u0123istr\u0101.<\/li>\n<li><strong>Bankai un pakalpojuma sniedz\u0113jam nav oblig\u0101ti j\u0101b\u016bt savstarp\u0113jam l\u012bgumam.<\/strong> PSD2 neprasa, lai j\u016bsu kontu apkalpojo\u0161\u0101 banka un konta inform\u0101cijas pakalpojuma sniedz\u0113js b\u016btu <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2015\/2366\/oj\">sav\u0101 starp\u0101 nosl\u0113gu\u0161i l\u012bgumu<\/a>. At\u013cauja izriet no j\u016bsu piekri\u0161anas, nevis no banku savstarp\u0113jas vieno\u0161an\u0101s.<\/li>\n<li><strong>No\u0161\u0137iriet lietot\u0101ju ties\u012bbas.<\/strong> Gr\u0101matvedim pie\u0161\u0137iriet ties\u012bbas skat\u012bt un sasaist\u012bt dar\u012bjumus, nevis apstiprin\u0101t maks\u0101jumus. Div\u0101m at\u0161\u0137ir\u012bg\u0101m lom\u0101m j\u0101paliek atsevi\u0161\u0137\u0101m ar\u012b programm\u0101.<\/li>\n<li><strong>Turiet CSV eksportu pieejamu.<\/strong> Pat past\u0101v\u012bga savienojuma gad\u012bjum\u0101 saglab\u0101jiet iesp\u0113ju konta izrakstu manu\u0101li lejupiel\u0101d\u0113t CSV form\u0101t\u0101. Tas ir j\u016bsu rezerves risin\u0101jums, ja saskarne p\u0101rtrauc darbu.<\/li>\n<li><strong>Regul\u0101ri skatiet darb\u012bbas \u017eurn\u0101lu.<\/strong> P\u0101rbaudiet, kas un kad ir piek\u013cuvis konta datiem, un nekav\u0113joties atsauciet piek\u013cuvi, tikl\u012bdz pakalpojuma sniedz\u0113ju vairs nelietojat.<\/li>\n<\/ul>\n<p>Saska\u0146\u0101 ar Eiropas Komisijas <a href=\"https:\/\/finance.ec.europa.eu\/consumer-finance-and-payments\/payment-services\/payment-services_en\">apkopojumu par maks\u0101jumu direkt\u012bv\u0101m<\/a> visas \u0161\u012bs regul\u0101cijas m\u0113r\u0137is ir izveidot dro\u0161u un vienotu maks\u0101jumu tirgu, kur\u0101 pat\u0113r\u0113t\u0101js un uz\u0146\u0113m\u0113js, nevis starpnieks, lemj, kam savus datus atv\u0113rt.<\/p>\n<h2 id=\"ka-ieviest-hibridmodeli-bez-dubultiem-ierakstiem\">K\u0101 ieviest hibr\u012bdmodeli bez dubultiem ierakstiem?<\/h2>\n<p>Praktik\u0101 vislab\u0101k liel\u0101kajai da\u013cai mazo uz\u0146\u0113mumu darbojas hibr\u012bdmodelis: bankas savienojums ikdienas uzraudz\u012bbai, CSV rezervei un kontrolei. \u0160\u0101di to izveidojat \u010detros so\u013cos.<\/p>\n<ol>\n<li><strong>Sasaistiet s\u0101kuma atlikumu.<\/strong> Pirms savienojuma aktiviz\u0113\u0161anas sal\u012bdziniet gr\u0101matved\u012bbas atlikumu ar bankas faktisko atlikumu, prec\u012bzi uz konkr\u0113tu datumu. Katra turpm\u0101k\u0101 at\u0161\u0137ir\u012bba tad k\u013c\u016bst uzreiz redzama.<\/li>\n<li><strong>Izveidojiet autom\u0101tisk\u0101s sasaistes taisnes.<\/strong> Iestatiet taisnes, kas autom\u0101tiski sasaista atk\u0101rtotus maks\u0101jumus \u2013 \u012bri, l\u012bzingu, konkr\u0113ta klienta r\u0113\u0137inus \u2013 ar attiec\u012bgo r\u0113\u0137inu, ta\u010du veidojiet taisni t\u0101, lai t\u0101 sasaista summu un maks\u0101juma atsauci, nevis vien\u012bgi summu.<\/li>\n<li><strong>Katru ned\u0113\u013cu p\u0101rbaudiet nesasaist\u012btos dar\u012bjumus.<\/strong> Katru ned\u0113\u013cu izskatiet dar\u012bjumus, ko taisne autom\u0101tiski sasaist\u012bt nesp\u0113ja. Tie\u0161i \u0161eit visbie\u017e\u0101k rodas k\u013c\u016bdaina sasaiste.<\/li>\n<li><strong>M\u0113ne\u0161a beig\u0101s sal\u012bdziniet ar bankas izrakstu.<\/strong> M\u0113ne\u0161a beig\u0101s lejupiel\u0101d\u0113jiet konta izrakstu CSV form\u0101t\u0101 un p\u0101rbaudiet to pret gr\u0101matved\u012bbas atlikumu. \u0160is solis notver savienojuma iesp\u0113jamos robus, ko automatika pati nepamana.<\/li>\n<\/ol>\n<p>\u0160\u012b sec\u012bba ir svar\u012bga: ja autom\u0101tisk\u0101s taisnes iedarbinat pirms s\u0101kuma atlikuma sasaist\u012b\u0161anas, katrs turpm\u0101kais ieraksts iznes t\u0101l\u0101k ar\u012b veco k\u013c\u016bdu.<\/p>\n<h2 id=\"kapec-latvijas-termini-padara-korektu-sasaisti-steidzamaku\">K\u0101p\u0113c Latvijas termi\u0146i padara korektu sasaisti steidzam\u0101ku?<\/h2>\n<p>Latvijas gr\u0101matved\u012bbas noteikumi virz\u0101s uz struktur\u0113tu e-r\u0113\u0137inu, un tas ietekm\u0113 to, cik \u0101tri bankas rindai un r\u0113\u0137inam j\u0101sakr\u012bt. No <a href=\"https:\/\/www.fm.gov.lv\/lv\/strukturets-elektroniskais-rekins\">2025. gada 1. janv\u0101ra<\/a> Latvijas uz\u0146\u0113mumu r\u0113\u0137ini, kas tiek izrakst\u012bti valsts vai pa\u0161vald\u012bbas iest\u0101dei (G2G, B2G, G2B dar\u012bjumi), j\u0101sagatavo k\u0101 struktur\u0113ts e-r\u0113\u0137ins \u2013 form\u0101t\u0101, kas atbilst standartam LVS EN 16931-1:2017 un ir ma\u0161\u012bnlas\u0101ms bez manu\u0101las p\u0101rstr\u0101des. No <a href=\"https:\/\/www.fm.gov.lv\/lv\/strukturets-elektroniskais-rekins\">2026. gada 1. janv\u0101ra<\/a> pievienojas pien\u0101kums \u0161os e-r\u0113\u0137inus nodot Latvijas nodok\u013cu administr\u0101cijai, Valsts ie\u0146\u0113mumu dienestam jeb VID. No <a href=\"https:\/\/www.fm.gov.lv\/lv\/strukturets-elektroniskais-rekins\">2028. gada 1. janv\u0101ra<\/a> e-r\u0113\u0137ina un VID nodo\u0161anas pien\u0101kums attiecas ar\u012b uz dar\u012bjumiem starp uz\u0146\u0113mumiem (B2B). Termi\u0146\u0161, kas s\u0101kotn\u0113ji bija noteikts 2026. gada s\u0101kum\u0101, ar v\u0113l\u0101ku likuma groz\u012bjumu tika p\u0101rcelts uz v\u0113l\u0101ku laiku.<\/p>\n<p>Tas nenoz\u012bm\u0113, ka bankas savienojums k\u013c\u016bst oblig\u0101ts. Regul\u0113jums attiecas uz r\u0113\u0137ina form\u0101tu un t\u0101 nodo\u0161anu nodok\u013cu administr\u0101cijai, nevis uz gr\u0101matve\u017ea darba pl\u016bsmu ar konta datiem. Tom\u0113r, ja r\u0113\u0137ini p\u0101rvietojas struktur\u0113t\u0101 veid\u0101 un autom\u0101tiski non\u0101k VID, ir v\u0113rts ar\u012b bankas datu pl\u016bsmu tur\u0113t tikpat sak\u0101rtotu: jo prec\u012bz\u0101k r\u0113\u0137ins un bankas maks\u0101jums ir savstarp\u0113ji sasaist\u012bti jau \u0161odien, jo maz\u0101k darba rad\u012bsies 2028. gad\u0101, kad B2B r\u0113\u0137inu kontrole k\u013c\u016bs stingr\u0101ka.<\/p>\n<h2>FAQ<\/h2>\n<h3>Mida panga\u00fchendus tegelikult teeb ja mida teeb CSV-import?<\/h3>\n<p>Panga\u00fchendus on kontoinfo teenus (AIS), mis loeb konto tehinguid ja saldot otse pangast PSD2 direktiivi alusel. CSV-import on hetkeseisu koopia, kus laadite alla \u00fche perioodi tehingud ja impordite need k\u00e4sitsi. Panga\u00fchendus uuendab andmeid pidevalt, CSV-import vajab iga kord uut faili.<\/p>\n<h3>Kas pangakirje on sama, mis kuludokument?<\/h3>\n<p>Ei, pangatehing n\u00e4itab ainult raha liikumist, mitte selle majanduslikku sisu. L\u00e4ti ja Eesti seadused n\u00f5uavad t\u00f5endava dokumendina arvet, t\u0161ekki v\u00f5i lepingut. Pangav\u00e4ljav\u00f5te ei ole algdokument, vaid seda saab erandkorras kasutada ainult juhi kinnituse korral.<\/p>\n<h3>Kuidas \u00fchendada pank kontrolli kaotamata?<\/h3>\n<p>Piirake n\u00f5usoleku ulatust ainult vajalikele kontodele, kontrollige teenusepakkuja staatust EBA registris, eristage kasutaja\u00f5igused ja hoidke CSV-eksport varulahendusena. Regulaarselt kontrollige tegevuslogi ja t\u00fchistage juurdep\u00e4\u00e4s kohe, kui teenust enam ei kasuta.<\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Mida panga\u00fchendus tegelikult teeb ja mida teeb CSV-import?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Panga\u00fchendus on kontoinfo teenus (AIS), mis loeb konto tehinguid ja saldot otse pangast PSD2 direktiivi alusel. CSV-import on hetkeseisu koopia, kus laadite alla \u00fche perioodi tehingud ja impordite need k\u00e4sitsi. Panga\u00fchendus uuendab andmeid pidevalt, CSV-import vajab iga kord uut faili.\"}},{\"@type\":\"Question\",\"name\":\"Kas pangakirje on sama, mis kuludokument?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ei, pangatehing n\u00e4itab ainult raha liikumist, mitte selle majanduslikku sisu. L\u00e4ti ja Eesti seadused n\u00f5uavad t\u00f5endava dokumendina arvet, t\u0161ekki v\u00f5i lepingut. Pangav\u00e4ljav\u00f5te ei ole algdokument, vaid seda saab erandkorras kasutada ainult juhi kinnituse korral.\"}},{\"@type\":\"Question\",\"name\":\"Kuidas \u00fchendada pank kontrolli kaotamata?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Piirake n\u00f5usoleku ulatust ainult vajalikele kontodele, kontrollige teenusepakkuja staatust EBA registris, eristage kasutaja\u00f5igused ja hoidke CSV-eksport varulahendusena. Regulaarselt kontrollige tegevuslogi ja t\u00fchistage juurdep\u00e4\u00e4s kohe, kui teenust enam ei kasuta.\"}}]}<\/script><\/p>\n<\/div>\n<\/div>\n<\/article>\n<style>.ce-answer{max-width:760px;margin:0 auto;padding:8px 20px 48px;line-height:1.65}.ce-answer h2{margin:1.5em 0 .55em;line-height:1.3}.ce-answer h3{margin:1.1em 0 .45em}.ce-answer p{margin:0 0 1em}.ce-answer ul,.ce-answer ol{margin:0 0 1em;padding-left:1.4em}.ce-answer li{margin:.25em 0}.ce-answer table{border-collapse:collapse;width:100%;margin:0 0 1.2em}.ce-answer th,.ce-answer td{border:1px solid #ddd;padding:8px 10px;text-align:left}.ce-answer blockquote{border-left:3px solid #ccc;margin:1em 0;padding:6px 14px}.ce-answer sup a{text-decoration:none}.ce-answer-title{margin:.6em 0 .4em}<\/style>\n","protected":false},"excerpt":{"rendered":"<p>How a small company in Latvia and Estonia chooses starp banka data automatic flow and CSV import, nem\u0151jot control and proof.<\/p>","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-29252","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bilnex.io\/en\/wp-json\/wp\/v2\/pages\/29252","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bilnex.io\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bilnex.io\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bilnex.io\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/bilnex.io\/en\/wp-json\/wp\/v2\/comments?post=29252"}],"version-history":[{"count":0,"href":"https:\/\/bilnex.io\/en\/wp-json\/wp\/v2\/pages\/29252\/revisions"}],"wp:attachment":[{"href":"https:\/\/bilnex.io\/en\/wp-json\/wp\/v2\/media?parent=29252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}