[{"data":1,"prerenderedAt":4854},["ShallowReactive",2],{"de-blog/kreditkartengebuhren":3,"de-global-content":528,"de-article-global-content":2109,"de-blog-article-more-articles-undefined":2366,"de-blog-article-more-articles-214317376":4849},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":515,"full_slug":516,"sort_by_date":41,"position":517,"tag_list":518,"is_startpage":26,"parent_id":519,"meta_data":41,"group_id":520,"first_published_at":521,"release_id":41,"lang":47,"path":41,"alternates":522,"default_full_slug":523,"translated_slugs":524},"6 Gebühren bei Firmenkreditkarten, auf die Sie achten sollten","2022-11-03T20:41:03.546Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:51.176Z",214317376,"9070f3d5-61fc-4958-a55e-aa65873770d8",{"_uid":11,"roles":12,"title":4,"author":13,"topics":57,"content":58,"category":408,"language":434,"component":421,"heroMedia":435,"sidebarCta":442,"publishedAt":443,"readingTime":444,"redirectUrl":24,"listingImage":445,"metaDescription":446,"componentsAfterTheArticle":447},"8b1daa6b-b48a-4577-902d-63e584b7a77a",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":39,"full_slug":40,"sort_by_date":41,"position":42,"tag_list":43,"is_startpage":26,"parent_id":44,"meta_data":41,"group_id":45,"first_published_at":46,"release_id":41,"lang":47,"path":41,"alternates":48,"default_full_slug":49,"translated_slugs":50,"_stopResolving":56},"Cristina Fesiuc","2022-10-19T17:43:49.042Z","2026-03-12T10:47:22.413Z",206167988,"ad587c90-3a4f-4974-bd06-8350eb767925",{"_uid":20,"name":14,"links":21,"picture":22,"lastName":27,"component":28,"firstName":29,"description":30},"c44a779e-1510-434e-ab2b-034ed8da722b",[],{"alt":23,"name":24,"focus":24,"title":24,"filename":23,"copyright":24,"fieldtype":25,"is_external_url":26},"https://a.storyblok.com/f/146026/433x433/292f5b9b7c/cristina-fesiuc.jpg","","asset",false,"Fesiuc","author","Cristina",{"type":31,"content":32},"doc",[33],{"type":34,"content":35},"paragraph",[36],{"text":37,"type":38},"Cristina Fesiuc lebt seit 5 Jahren in Paris, spricht fließend 4 Sprachen und hat eine große Leidenschaft für Content und Social Media Marketing. Aktuell unterstützt sie Spendesk bei redaktionellen Inhalten auf dem deutschen Blog.","text","cristina-fesiuc","de/blog/author/cristina-fesiuc",null,-920,[],176408854,"10458377-eff1-46b7-ab3a-9b5346cbd467","2022-11-02T15:25:42.758Z","de",[],"blog/author/cristina-fesiuc",[51,53,54],{"path":49,"name":41,"lang":52,"published":41},"fr",{"path":49,"name":41,"lang":47,"published":41},{"path":49,"name":41,"lang":55,"published":41},"es",true,[],{"type":31,"content":59},[60,64,68,79,83,97,102,106,116,120,125,131,135,139,143,148,152,162,166,171,175,179,231,235,245,249,258,262,266,276,280,294,298,325,329,333,337,346,360,364,372,377,381,391],{"type":34,"content":61},[62],{"text":63,"type":38},"Die Entscheidung, Firmenkreditkarten als Zahlungsmittel einzuführen, ist ein wichtiger Schritt für das Unternehmenswachstum. Die Vorteile liegen dafür klar auf der Hand. Mitarbeitende können unkompliziert Firmengeld ausgeben, ohne dabei aus eigener Tasche zu bezahlen.",{"type":34,"content":65},[66],{"text":67,"type":38},"Dennoch gibt es einige Dinge zu beachten, um am Ende keine bösen Überraschungen zu erleben. Das Thema Kreditkartengebühren spielt eine wichtige Rolle bei der Entscheidungsfindung.",{"type":34,"content":69},[70,72,77],{"text":71,"type":38},"Niemand zahlt gerne zusätzliche Gebühren für die Zahlungsabwicklung, vor allem nicht, wenn diese Gebühren vermeidbar sind. Deswegen sollten Sie die ",{"text":73,"type":38,"marks":74},"verschiedenen Gebühren für Geschäftskreditkarten verstehen",[75],{"type":76},"bold",{"text":78,"type":38},".",{"type":34,"content":80},[81],{"text":82,"type":38},"Für Unternehmen können sich diese Gebühren summieren und die Gewinne schmälern. Wir erklären Ihnen, welche unterschiedlichen Gebühren für Kreditkarten anfallen und wie sie sich auf Ihr Unternehmen auswirken.",{"type":84,"attrs":85,"content":87},"heading",{"level":86},2,[88],{"type":89,"attrs":90},"blok",{"id":91,"body":92},"c0fc4862-ecdd-44db-a1a0-59bdf8cc3751",[93],{"_uid":94,"html":95,"component":96},"1b44cc87-fadf-4c13-a692-8e0c0bb28c67","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-bba39516-daaa-41ef-9946-1b1c8279e12a\">\u003Cspan class=\"hs-cta-node hs-cta-bba39516-daaa-41ef-9946-1b1c8279e12a\" id=\"hs-cta-bba39516-daaa-41ef-9946-1b1c8279e12a\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/bba39516-daaa-41ef-9946-1b1c8279e12a\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-bba39516-daaa-41ef-9946-1b1c8279e12a\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/bba39516-daaa-41ef-9946-1b1c8279e12a.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'bba39516-daaa-41ef-9946-1b1c8279e12a', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":84,"attrs":98,"content":99},{"level":86},[100],{"text":101,"type":38},"Was sind Kreditkartengebühren?",{"type":34,"content":103},[104],{"text":105,"type":38},"Bevor wir einen Blick auf die unterschiedlichen Kreditkartengebühren werfen, beantworten wir zunächst, was diese genau sind.",{"type":34,"content":107},[108,110,114],{"text":109,"type":38},"Kreditkartengebühren sind alle ",{"text":111,"type":38,"marks":112},"fixen und variablen Gebühren, die mit Ihrer Firmenkreditkarte verbunden",[113],{"type":76},{"text":115,"type":38}," sind. Sie sind nicht mit Kreditkartenzinsen zu verwechseln, die nur anfallen, wenn der Kreditrahmen genutzt wird.",{"type":34,"content":117},[118],{"text":119,"type":38},"Die tatsächliche Höhe der Gebühren, die Sie zahlen, hängt von Ihrer spezifischen Karte ab und wie Sie diese nutzen. Es macht einen großen Unterschied aus, ob Sie z.B. im Ausland zahlen, das Konto überziehen oder Bargeld abheben.",{"type":84,"attrs":121,"content":122},{"level":86},[123],{"text":124,"type":38},"Warum sind Kreditkartengebühren ein Problem für Unternehmen?",{"type":84,"attrs":126,"content":128},{"level":127},3,[129],{"text":130,"type":38},"Die Gebühren können sich schnell summieren",{"type":34,"content":132},[133],{"text":134,"type":38},"Sie denken vielleicht, dass ein paar kleine Gebühren kaum einen Einfluss auf Ihr Unternehmen haben? Schließlich handelt es sich doch um kleine Beträge, würde man meinen.",{"type":34,"content":136},[137],{"text":138,"type":38},"Aber was ist, wenn diese kleinen Geldbeträge nicht nur bei einem, sondern bei 10, 100 oder 1000 Mitarbeitenden anfallen? Was ist, wenn ein Unternehmen regelmäßig Kreditkarten bezahlt, die gar nicht mehr genutzt werden?",{"type":34,"content":140},[141],{"text":142,"type":38},"Sie merken, dass sich das schnell summieren kann. Doch zum Glück können diese Kosten vermieden werden. Wie, erfahren Sie weiter unten.",{"type":84,"attrs":144,"content":145},{"level":127},[146],{"text":147,"type":38},"Versteckte Gebühren im Kleingedruckten",{"type":34,"content":149},[150],{"text":151,"type":38},"Hand aufs Herz - Lesen Sie das Kleingedruckte in Verträgen? Die meisten würden hier mit einem klaren „Nein” antworten. Fachjargon und lange und komplizierte Bedingungen führen schnell dazu, dass die AGB ignoriert werden.",{"type":34,"content":153},[154,156,160],{"text":155,"type":38},"Damit Sie jedoch die Kontrolle über die Finanzen in Ihrem Unternehmen behalten, ",{"text":157,"type":38,"marks":158},"sollten Sie auf versteckten Gebühren bei Kreditkartenverträgen achten",[159],{"type":76},{"text":161,"type":38},". Anbieter von Kreditkarten sind dazu verpflichtet, alle Gebühren in den Allgemeinen Geschäftsbedingungen (AGB) aufzulisten. Dennoch führt das dazu, dass Unternehmen den Dschungel der AGB mühsam durchqueren müssen, um überhaupt einen Überblick zu bekommen. Simpel sieht anders aus.",{"type":34,"content":163},[164],{"text":165,"type":38},"Oft werden Kreditkartengebühren erst im Nachhinein entdeckt, also dann, wenn es schon zu spät ist. Nur genaues Lesen der Bedingungen bewahrt das Unternehmen vor unliebsamen Überraschungen. Nehmen Sie sich also die Zeit, alle Gebührenarten durchzugehen, statt die AGB grob zu überfliegen.",{"type":84,"attrs":167,"content":168},{"level":86},[169],{"text":170,"type":38},"6 typische Kreditkartengebühren",{"type":34,"content":172},[173],{"text":174,"type":38},"Wir zeigen Ihnen einige Kreditkartengebühren von Zahlungsabwicklern, die Sie kennen sollten, bevor Sie sich für eine bestimmte Firmenkreditkarte entscheiden.",{"type":34,"content":176},[177],{"text":178,"type":38},"Typische Gebühren bei Kreditkarten sind:",{"type":180,"content":181},"bullet_list",[182,191,199,207,215,223],{"type":183,"content":184},"list_item",[185],{"type":34,"content":186},[187],{"text":188,"type":38,"marks":189},"Grundgebühr",[190],{"type":76},{"type":183,"content":192},[193],{"type":34,"content":194},[195],{"text":196,"type":38,"marks":197},"Kartenersatzgebühr",[198],{"type":76},{"type":183,"content":200},[201],{"type":34,"content":202},[203],{"text":204,"type":38,"marks":205},"Überziehungsgebühr",[206],{"type":76},{"type":183,"content":208},[209],{"type":34,"content":210},[211],{"text":212,"type":38,"marks":213},"Rückzahlungsgebühr",[214],{"type":76},{"type":183,"content":216},[217],{"type":34,"content":218},[219],{"text":220,"type":38,"marks":221},"Bargeldabhebungsgebühr",[222],{"type":76},{"type":183,"content":224},[225],{"type":34,"content":226},[227],{"text":228,"type":38,"marks":229},"Auslandsgebühr",[230],{"type":76},{"type":84,"attrs":232,"content":233},{"level":86},[234],{"text":188,"type":38},{"type":34,"content":236},[237,239,243],{"text":238,"type":38},"Viele Kreditkartenunternehmen verlangen jedes Jahr für den ",{"text":240,"type":38,"marks":241},"Besitz einer Kreditkarte eine Grundgebühr",[242],{"type":76},{"text":244,"type":38},". Man kann sich diese Gebühr als eine Art Mitgliedschaft vorstellen. Diese gibt Ihnen das Recht , mit, der Kreditkarte einzukaufen und später zu zahlen. Diese Gebühr bleibt jedes Jahr gleich, obwohl für einige Karten die Jahresgebühr für das erste Jahr erlassen wird .",{"type":84,"attrs":246,"content":247},{"level":86},[248],{"text":196,"type":38},{"type":34,"content":250},[251,253,257],{"text":252,"type":38},"Einige Kreditkartenunternehmen berechnen Ihnen eine ",{"text":254,"type":38,"marks":255},"Gebühr, wenn Sie Ihre Karte verlieren und eine neue benötigen",[256],{"type":76},{"text":78,"type":38},{"type":34,"content":259},[260],{"text":261,"type":38},"Wenn Sie Ihre Karte verlieren, dann fragen Sie Ihr Kreditkartenunternehmen, ob es bereit ist, Ihnen einmalig kostenlos Ersatz zu leisten. Und wenn Ihnen Ihre Karte gestohlen wurde, können Sie kostenlos eine neue Karte erhalten, solange Sie den Polizeibericht mit einreichen.",{"type":84,"attrs":263,"content":264},{"level":86},[265],{"text":204,"type":38},{"type":34,"content":267},[268,270,274],{"text":269,"type":38},"Ihnen kann eine Überziehungsgebühr in Rechnung gestellt werden, ",{"text":271,"type":38,"marks":272},"wenn Sie mehr Geld ausgeben, als auf Ihrem Konto ist",[273],{"type":76},{"text":275,"type":38},". Zwar gibt es einige Banken, die es Ihnen bei einem negativen Saldo erlauben, Zahlungen durchzuführen, aber dies ist meist mit hohen Gebühren verbunden und sollte daher im Idealfall vermieden werden.",{"type":84,"attrs":277,"content":278},{"level":86},[279],{"text":212,"type":38},{"type":34,"content":281},[282,284,288,290],{"text":283,"type":38},"Diese Gebühr fällt immer dann an, wenn Ihr Kreditkartenunternehmen ",{"text":285,"type":38,"marks":286},"Ihr Konto aufgrund unzureichender Deckung belastet,",[287],{"type":76},{"text":289,"type":38}," oder wenn ",{"text":291,"type":38,"marks":292},"die Zahlung blockiert wird.",[293],{"type":76},{"type":84,"attrs":295,"content":296},{"level":86},[297],{"text":220,"type":38},{"type":34,"content":299},[300,302,306,308,323],{"text":301,"type":38},"In der Regel erheben alle Kreditkartenanbieter eine Gebühr, wenn Sie am ",{"text":303,"type":38,"marks":304},"Geldautomaten Bargeld abheben wollen.",[305],{"type":76},{"text":307,"type":38}," Im Gegensatz zur ",{"text":309,"type":38,"marks":310},"Debitkarte",[311],{"type":312,"attrs":313},"link",{"href":314,"uuid":315,"anchor":41,"target":316,"linktype":317,"story":318},"/glossary/debitkarte","05894c7a-eabc-4acc-9e33-6b91196448c2","_self","story",{"name":309,"id":319,"uuid":315,"slug":320,"url":321,"full_slug":322,"_stopResolving":56},213422057,"debitkarte","glossary/debitkarte","de/glossary/debitkarte",{"text":324,"type":38},", wird nicht einfach nur Geld von Ihrem Konto abgehoben, sondern ein Kredit beauftragt, der mit Gebühren verbunden ist.",{"type":34,"content":326},[327],{"text":328,"type":38},"Es gibt jedoch einige Banken, die ihren Kreditkartennutzern eine bestimmte Anzahl von Bargeldabhebungen pro Monat (kostenlos / ohne Gebühr) erlauben. Wenn Ihre Mitarbeitenden regelmäßig Geld abheben, um bar für Taxifahrten oder ähnliches zu bezahlen, sollten Sie sich unbedingt im Voraus über diese Art von Kosten informieren.",{"type":84,"attrs":330,"content":331},{"level":86},[332],{"text":228,"type":38},{"type":34,"content":334},[335],{"text":336,"type":38},"Wenn Sie bei einer Dienstreise im Ausland sind, dann werden Sie höchstwahrscheinlich Ihre Kreditkarte nutzen. Achtung ist geboten, denn die meisten Kreditkartenunternehmen berechnen dabei einige Gebühren.",{"type":34,"content":338},[339,341,345],{"text":340,"type":38},"Wenn Sie mit Ihrer Kreditkarte im ",{"text":342,"type":38,"marks":343},"Ausland Bargeld abheben wollen, kann zuzüglich zur üblichen Bargeldabhebungsgebühr eine Gebühr für den Auslandseinsatz erhoben werden",[344],{"type":76},{"text":78,"type":38},{"type":34,"content":347},[348,350,354,356],{"text":349,"type":38},"Der Wechselkurs spielt ebenfalls eine große Rolle. Wenn die ",{"text":351,"type":38,"marks":352},"Bank in die lokale Währung umrechnet, dann wird meistens nicht nur ein hoher Wechselkurs genommen",[353],{"type":76},{"text":355,"type":38},", sondern auch noch eine ",{"text":357,"type":38,"marks":358},"Gebühr für den Umtausch verlangt.",[359],{"type":76},{"type":34,"content":361},[362],{"text":363,"type":38},"Aus diesen Gründen, empfehlen wir Ihnen vor Reiseantritt beim Kreditkartenanbieter zu überprüfen, welche Kosten auf Sie zukommen können.",{"type":34,"content":365},[366],{"type":89,"attrs":367},{"id":91,"body":368},[369],{"_uid":370,"html":371,"component":96},"ed96a1ff-1b17-4fe7-ba46-32149ed30d9c","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-c18f15de-9ff7-46ac-b1f7-543c32367ac8\">\u003Cspan class=\"hs-cta-node hs-cta-c18f15de-9ff7-46ac-b1f7-543c32367ac8\" id=\"hs-cta-c18f15de-9ff7-46ac-b1f7-543c32367ac8\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/c18f15de-9ff7-46ac-b1f7-543c32367ac8\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-c18f15de-9ff7-46ac-b1f7-543c32367ac8\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/c18f15de-9ff7-46ac-b1f7-543c32367ac8.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'c18f15de-9ff7-46ac-b1f7-543c32367ac8', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":84,"attrs":373,"content":374},{"level":86},[375],{"text":376,"type":38},"Zusammenfassung: Verfolgen Sie alle Kreditkartenausgaben an einem Ort",{"type":34,"content":378},[379],{"text":380,"type":38},"Wie Sie sehen, können sich die verschiedenen Kreditkartengebühren schnell summieren. Selbst bei scheinbar kostenlosen Kreditkarten muss auf versteckte Kosten geachtet werden. Und auch wenn einige Gebühren auf den ersten Blick minimal erscheinen mögen, können sie langfristig für Ihr Unternehmen teuer werden.",{"type":34,"content":382},[383,385,389],{"text":384,"type":38},"Es ist deswegen eine gute Idee, sich mit den oben erläuterten Gebühren vertraut zu machen. Wählen Sie eine Kreditkarte aus, die Kosten minimiert, und auf die verschiedenen Ausgaben Ihrer Mitarbeitenden angepasst ist. Eine moderne Lösung wie Spendesk bietet viele Vorteile: Mit dem ",{"text":386,"type":38,"marks":387},"laufend aktualisierten Dashboard haben Sie in Echtzeit Zugriff auf alle Zahlungen und behalten die Übersicht",[388],{"type":76},{"text":390,"type":38},". Dort sehen Sie ebenfalls Währungsumrechnungskurse und wie sich diese auf Ihr Geschäft auswirken.",{"type":34,"content":392},[393,401,403,407],{"text":394,"type":38,"marks":395},"Vereinbaren Sie einen Termin mit einem unserer Experten.",[396,400],{"type":312,"attrs":397},{"href":398,"uuid":41,"anchor":41,"target":41,"linktype":399},"https://www.spendesk.com/de/schedule-a-demo/","url",{"type":76},{"text":402,"type":38}," Wir zeigen Ihnen, wie Sie mit ",{"text":404,"type":38,"marks":405},"smarten Firmenkarten unterwegs und online, schnell und sicher bezahlen können",[406],{"type":76},{"text":78,"type":38},{"name":409,"created_at":410,"published_at":6,"updated_at":411,"id":412,"uuid":413,"content":414,"slug":421,"full_slug":422,"sort_by_date":41,"position":423,"tag_list":424,"is_startpage":26,"parent_id":425,"meta_data":41,"group_id":426,"first_published_at":427,"release_id":41,"lang":47,"path":41,"alternates":428,"default_full_slug":429,"translated_slugs":430,"_stopResolving":56},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":415,"icon":416,"name":409,"component":420},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":417,"alt":418,"name":24,"focus":24,"title":24,"filename":419,"copyright":24,"fieldtype":25,"is_external_url":26},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[431,432,433],{"path":429,"name":41,"lang":52,"published":41},{"path":429,"name":41,"lang":47,"published":41},{"path":429,"name":41,"lang":55,"published":41},[47],[436],{"_uid":437,"asset":438,"shadow":26,"caption":24,"overlay":440,"component":441},"5a07ea31-0b56-4930-a433-531b6b55ce99",{"alt":24,"name":24,"focus":24,"title":24,"filename":439,"copyright":24,"fieldtype":25,"is_external_url":26},"https://a.storyblok.com/f/146026/1190x670/9a768b84cf/kreditkartengebu-cc-88hren.png",[],"image",[],"2022-06-03 10:00","4",[],"Kreditkartengebühren: Auf diese 6 Gebühren sollten Sie bei der Verwendung von Firmenkreditkarten Acht geben. Mehr erfahren!",[448],{"_uid":449,"items":450,"heading":488,"reverse":26,"component":506,"sectionSettings":507},"b03c4a7c-50bd-4889-9010-d309c732f3fc",[451,461,470,479],{"_uid":452,"title":453,"component":454,"description":455},"66bdec0f-6ec5-4f74-a3b9-2ad3c70e11f7","Welche Kreditkartengebühren können Unternehmen erwarten und wie lassen sie sich reduzieren?","faqItem",{"type":31,"content":456},[457],{"type":34,"content":458},[459],{"text":460,"type":38},"Spendesk hilft Unternehmen, gängige Kreditkartengebühren zu identifizieren und zu reduzieren, indem Ausgaben auf Firmenkarten zentralisiert und die Abstimmung automatisiert werden. Virtuelle und physische Karten, Echtzeit-Kontrollen und konsolidierte Abrechnung reduzieren versteckte Verwaltungskosten und vereinfachen die Nachverfolgung von Händlergebühren.",{"_uid":462,"title":463,"component":454,"description":464},"928b172a-edd3-4d1e-96e5-cd1ed62685a7","Wie handhaben Spendesk-Karten Fremdwährungs- und Währungsumrechnungsgebühren?",{"type":31,"content":465},[466],{"type":34,"content":467},[468],{"text":469,"type":38},"Spendesk-Firmenkarten bieten Multi-Währungs-Funktionen und virtuelle Karten, um Fremdwährungskosten zu minimieren, indem Zahlungen in lokaler Währung ermöglicht und der Karteneinsatz gesteuert werden. 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Zu sehen sind zwei Tastaturtasten mit den weißen Buchstaben A und I. Die Tasten sind als Linienmuster stilisiert und gehen am rechten Bildrand in wellenförmige Linien über.","Tastatur mit den Buchstaben A und I als Symbol für künstliche Intelligenz","https://a.storyblok.com/f/146026/1020x680/8ff9cee056/ai-roi-finance.png",{"alt":3306,"title":3307,"source":24,"copyright":540},"OCR, Kategorisierung, Anomalie-Erkennung – wo KI im Finanzteam beginnt, beginnen auch die Pflichten des EU AI Act.","Ab August 2026 treffen Sie als Nutzer KI-gestützter Finanzsoftware konkrete Pflichten. Was wirklich gilt was nicht und welche fünf Schritte ausreichen.",[],[3314],{"cta":3315,"_uid":3316,"items":3317,"heading":3394,"reverse":26,"component":506,"sectionSettings":3417},[],"f9815c55-7f50-4a8f-901b-341773cc1203",[3318,3342,3355,3368,3381],{"_uid":3319,"hide":26,"title":3320,"component":454,"description":3321},"11c678a7-7408-4da9-a844-bba643e44f74","Fällt unsere KI-gestützte OCR unter den EU AI Act?",{"type":31,"content":3322},[3323],{"type":34,"attrs":3324,"content":3325},{"textAlign":41},[3326,3331,3337],{"text":3327,"type":38,"marks":3328},"Ja, sie fällt unter den Anwendungsbereich des AI Act, aber ",[3329],{"type":694,"attrs":3330},{"color":2827},{"text":3332,"type":38,"marks":3333},"nicht",[3334,3336],{"type":694,"attrs":3335},{"color":2827},{"type":2459},{"text":3338,"type":38,"marks":3339}," in die Hochrisiko-Kategorie nach Anhang III. Es gelten primär die Pflichten aus Art. 4 (KI-Kompetenz) und gegebenenfalls Art. 50 (Transparenz für KI-Inhalte).",[3340],{"type":694,"attrs":3341},{"color":2827},{"_uid":3343,"hide":26,"title":3344,"component":454,"description":3345},"c16bbfb0-3386-4fa9-addf-ce0a88ef9226","Was ist der Unterschied zwischen Anbieter und Betreiber?",{"type":31,"content":3346},[3347],{"type":34,"attrs":3348,"content":3349},{"textAlign":41},[3350],{"text":3351,"type":38,"marks":3352},"Der Anbieter (Provider) entwickelt und vertreibt das KI-System, der Betreiber (Deployer) setzt es im eigenen Verantwortungsbereich ein. Ein Finanzteam, das eine KI-gestützte Ausgabenmanagement-Software nutzt, ist Betreiber – nicht Anbieter. Die Pflichtenkataloge unterscheiden sich erheblich.",[3353],{"type":694,"attrs":3354},{"color":2827},{"_uid":3356,"hide":26,"title":3357,"component":454,"description":3358},"8dda6fca-d653-44ef-acb1-347c79cdf26d","Wie hoch sind die Bußgelder konkret?",{"type":31,"content":3359},[3360],{"type":34,"attrs":3361,"content":3362},{"textAlign":41},[3363],{"text":3364,"type":38,"marks":3365},"Für Verstöße gegen verbotene Praktiken bis zu 35 Mio. Euro oder 7 Prozent des weltweiten Jahresumsatzes. Für sonstige Verstöße bis zu 15 Mio. Euro oder 3 Prozent, für unrichtige Informationen an Behörden bis zu 7,5 Mio. Euro oder 1 Pozent. Maßgeblich ist jeweils der höhere Wert. Diese Maxima betreffen die schwersten Fälle, nicht jede formale Lücke.",[3366],{"type":694,"attrs":3367},{"color":2827},{"_uid":3369,"hide":26,"title":3370,"component":454,"description":3371},"1ec61c20-bf5a-4c08-911b-4d0aca88c6c4","Müssen wir Mitarbeitende formal schulen?",{"type":31,"content":3372},[3373],{"type":34,"attrs":3374,"content":3375},{"textAlign":41},[3376],{"text":3377,"type":38,"marks":3378},"Art. 4 verlangt „ausreichende KI-Kompetenz\", nicht eine bestimmte Schulungsstundenzahl. Eine dokumentierte Einweisung mit nachvollziehbarem Inhalt reicht in der Regel aus. Externe Zertifikate sind nicht vorgeschrieben.",[3379],{"type":694,"attrs":3380},{"color":2827},{"_uid":3382,"hide":26,"title":3383,"component":454,"description":3384},"266967d9-3783-4be1-b91b-d64d993b55da","Gilt der AI Act auch für US-Anbieter unserer Software?",{"type":31,"content":3385},[3386],{"type":34,"attrs":3387,"content":3388},{"textAlign":41},[3389],{"text":3390,"type":38,"marks":3391},"Ja. Sobald das KI-System in der EU genutzt wird oder Ergebnisse erzeugt, die in der EU verwendet werden, greift der AI Act – unabhängig vom Sitz des Anbieters. Achten Sie bei Vertragsverhandlungen mit Nicht-EU-Anbietern auf eine ausdrückliche Compliance-Zusage.",[3392],{"type":694,"attrs":3393},{"color":2827},[3395],{"cta":3396,"_uid":3397,"title":3398,"eyebrow":3409,"subtitle":3412,"component":84,"textAlign":24,"eyebrowPill":26,"flexibleSection":3415,"sectionSettings":3416,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"14d98cda-9986-43fc-9ffb-afc526aad4da",{"type":31,"content":3399},[3400],{"type":84,"attrs":3401,"content":3402},{"level":86,"textAlign":41},[3403],{"text":3404,"type":38,"marks":3405},"Häufig gestellte Fragen zum EU AI Act",[3406,3408],{"type":694,"attrs":3407},{"color":2827},{"type":76},{"type":31,"content":3410},[3411],{"type":34},{"type":31,"content":3413},[3414],{"type":34},[],[],[],"eu-ai-act-august-2026-ki-finanzteam","de/blog/eu-ai-act-august-2026-ki-finanzteam",-1930,[],"b42612e0-71ca-45bb-866a-fc54d950c7cb","2026-06-19T11:23:32.309Z",[],"blog/eu-ai-act-august-2026-ki-finanzteam",[3427,3428,3429],{"path":3425,"name":41,"lang":52,"published":41},{"path":3425,"name":41,"lang":47,"published":41},{"path":3425,"name":41,"lang":55,"published":41},{"name":3431,"created_at":3432,"published_at":3433,"updated_at":3434,"id":3435,"uuid":3436,"content":3437,"slug":3608,"full_slug":3609,"sort_by_date":41,"position":3610,"tag_list":3611,"is_startpage":26,"parent_id":519,"meta_data":41,"group_id":3612,"first_published_at":3613,"release_id":41,"lang":47,"path":41,"alternates":3614,"default_full_slug":3615,"translated_slugs":3616},"SEPA 2026: wenn ein einziger Datensatz den ganzen Zahlungslauf kippt ","2026-06-19T08:54:26.111Z","2026-06-19T11:24:56.619Z","2026-06-19T11:24:56.645Z",189110952425291,"33f28b6f-f6e0-440c-8755-a704bb2e936b",{"_uid":3438,"title":3431,"topics":3439,"noIndex":26,"category":3459,"language":3468,"component":421,"heroMedia":3469,"publishedAt":3300,"redirectUrl":24,"listingImage":3470,"metaDescription":3479,"bottomArticleCta":3480,"componentsAfterTheArticle":3481},"ee62abc9-a973-4ff2-bbe6-f7676f71f5a8",[3440],{"name":934,"created_at":3441,"published_at":6,"updated_at":3442,"id":3443,"uuid":3444,"content":3445,"slug":3447,"full_slug":3448,"sort_by_date":41,"position":3449,"tag_list":3450,"is_startpage":26,"parent_id":2390,"meta_data":41,"group_id":3451,"first_published_at":3452,"release_id":41,"lang":47,"path":41,"alternates":3453,"default_full_slug":3454,"translated_slugs":3455,"_stopResolving":56},"2022-10-19T17:57:58.268Z","2026-03-12T10:47:23.823Z",206171436,"96e6beb6-72ee-4d7e-80e7-051cceef91a6",{"_uid":3446,"name":934,"component":2385},"c47edfa2-5a7f-4c2b-966b-bd29e0b334a3","sicherheit","de/blog/topic/sicherheit",-400,[],"4bc732e7-2646-431d-9d49-7d0ba9f90782","2022-11-02T15:24:44.095Z",[],"blog/topic/sicherheit",[3456,3457,3458],{"path":3454,"name":41,"lang":52,"published":41},{"path":3454,"name":41,"lang":47,"published":41},{"path":3454,"name":41,"lang":55,"published":41},{"name":409,"created_at":410,"published_at":6,"updated_at":411,"id":412,"uuid":413,"content":3460,"slug":421,"full_slug":422,"sort_by_date":41,"position":423,"tag_list":3462,"is_startpage":26,"parent_id":425,"meta_data":41,"group_id":426,"first_published_at":427,"release_id":41,"lang":47,"path":41,"alternates":3463,"default_full_slug":429,"translated_slugs":3464,"_stopResolving":56},{"_uid":415,"icon":3461,"name":409,"component":420},{"id":417,"alt":418,"name":24,"focus":24,"title":24,"filename":419,"copyright":24,"fieldtype":25,"is_external_url":26},[],[],[3465,3466,3467],{"path":429,"name":41,"lang":52,"published":41},{"path":429,"name":41,"lang":47,"published":41},{"path":429,"name":41,"lang":55,"published":41},[47],[],[3471],{"_uid":3472,"asset":3473,"caption":3478,"component":441},"0f8cd8a9-a19c-4983-b703-6251a33f0328",{"id":3474,"alt":3475,"name":24,"focus":24,"title":3475,"source":24,"filename":3476,"copyright":540,"fieldtype":25,"meta_data":3477,"is_external_url":26},123992245019406,"Aufgestapelte Münzen","https://a.storyblok.com/f/146026/1020x680/90cdc17e54/spendesk-international-payments.jpg",{"alt":3475,"title":3475,"source":24,"copyright":540},"Ab November 2026 entscheidet die Qualität Ihrer Lieferantenstammdaten darüber, ob Ihre SEPA-Zahlungen durchlaufen.","Ab November 2026 entscheiden Adressformat, pain-Version und Empfängername darüber, ob Ihre SEPA-Zahlungen durchlaufen. Der Sechs-Wochen-Plan.",[],[3482],{"cta":3483,"_uid":3484,"items":3485,"heading":3584,"reverse":26,"component":506,"sectionSettings":3607},[],"6b4bc66b-a45b-4b12-b6b9-faf1d2f4a9d7",[3486,3509,3522,3535,3558,3571],{"_uid":3487,"hide":26,"title":3488,"component":454,"description":3489},"4c562475-5ef1-4327-8475-5a5dff9c1411","Ab wann ist die ISO-20022-Umstellung für SEPA-Zahlungen verpflichtend?",{"type":31,"content":3490},[3491],{"type":34,"attrs":3492,"content":3493},{"textAlign":41},[3494,3499,3504],{"text":3495,"type":38,"marks":3496},"Ab dem 15.11.2026 müssen Überweisungen im Format ",[3497],{"type":694,"attrs":3498},{"color":2827},{"text":3500,"type":38,"marks":3501},"pain.001.001.09 und Lastschriften im Format pain.008.001.08",[3502],{"type":694,"attrs":3503},{"color":2137},{"text":3505,"type":38,"marks":3506}," eingereicht werden. Unstrukturierte Adressen werden ab diesem Datum abgelehnt.",[3507],{"type":694,"attrs":3508},{"color":2827},{"_uid":3510,"hide":26,"title":3511,"component":454,"description":3512},"32447d44-cf05-4acc-9cba-3ee6be7f946e","Was passiert, wenn ein einziger Datensatz im Lauf unstrukturierte Adressen enthält?",{"type":31,"content":3513},[3514],{"type":34,"attrs":3515,"content":3516},{"textAlign":41},[3517],{"text":3518,"type":38,"marks":3519},"Viele ERPs und Banken weisen in dieser Konstellation den gesamten Zahlungslauf zurück, nicht nur den fehlerhaften Posten. Eine Pre-Run-Validierung ist deshalb wichtiger als jede nachgelagerte Korrektur.",[3520],{"type":694,"attrs":3521},{"color":2827},{"_uid":3523,"hide":26,"title":3524,"component":454,"description":3525},"cbaf0389-66e1-4336-b577-408956209105","Prüft Verification of Payee auch Sammelüberweisungen?",{"type":31,"content":3526},[3527],{"type":34,"attrs":3528,"content":3529},{"textAlign":41},[3530],{"text":3531,"type":38,"marks":3532},"Bei Einzelüberweisungen ist VoP verpflichtend. Bei Sammelüberweisungen optional, Banken können sie aber durchführen. Realistischer Planungsstandard: Jede Zahlung wird geprüft.",[3533],{"type":694,"attrs":3534},{"color":2827},{"_uid":3536,"hide":26,"title":3537,"component":454,"description":3538},"4cccff21-ef42-40e9-b38f-c542938820c6","Welche Adressfelder müssen mindestens strukturiert vorliegen?",{"type":31,"content":3539},[3540],{"type":34,"attrs":3541,"content":3542},{"textAlign":41},[3543,3548,3553],{"text":3544,"type":38,"marks":3545},"Stadt (",[3546],{"type":694,"attrs":3547},{"color":2827},{"text":3549,"type":38,"marks":3550},"TwnNm) und Land (Ctry",[3551],{"type":694,"attrs":3552},{"color":2137},{"text":3554,"type":38,"marks":3555},") sind die Pflichtfelder nach EPC-Vorgabe. In Deutschland werden zusätzlich PLZ, Straße und Hausnummer erwartet.",[3556],{"type":694,"attrs":3557},{"color":2827},{"_uid":3559,"hide":26,"title":3560,"component":454,"description":3561},"4a8b0cf5-b8c9-4c96-85a6-c34ad4c23ae7","Was bedeutet ein „Close Match\" bei der VoP-Prüfung?",{"type":31,"content":3562},[3563],{"type":34,"attrs":3564,"content":3565},{"textAlign":41},[3566],{"text":3567,"type":38,"marks":3568},"Die Empfängerbank erkennt eine geringfügige Abweichung, etwa einen Tippfehler oder eine abgekürzte Rechtsform. Die Zahlung wird nicht automatisch abgelehnt, aber der Auftraggeber erhält einen Warnhinweis und muss die Ausführung aktiv bestätigen.",[3569],{"type":694,"attrs":3570},{"color":2827},{"_uid":3572,"hide":26,"title":3573,"component":454,"description":3574},"35fa2a3f-413d-44dc-b9e1-29aea2c78e05","Kann ich altes und neues SEPA-Format parallel nutzen?",{"type":31,"content":3575},[3576],{"type":34,"attrs":3577,"content":3578},{"textAlign":41},[3579],{"text":3580,"type":38,"marks":3581},"Während der Übergangsphase bis November 2026 akzeptieren die meisten Banken beide Formate. 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So sichern Sie Liquidität und Eingangsprozess gegen die E-Rechnungspflicht ab.",[],[3672],{"cta":3673,"_uid":3674,"items":3675,"heading":3806,"reverse":26,"component":506,"sectionSettings":3825},[],"10e52921-e27a-4e64-8744-c6caa7a7aceb",[3676,3689,3702,3726,3775],{"_uid":3677,"hide":26,"title":3678,"component":454,"description":3679},"883403da-00e8-406b-9837-9a4753e3be6f","Ist mein Vorsteuerabzug bei einer PDF-Rechnung ab 2027 automatisch verloren?",{"type":31,"content":3680},[3681],{"type":34,"attrs":3682,"content":3683},{"textAlign":41},[3684],{"text":3685,"type":38,"marks":3686},"Nein, nicht automatisch. Während der Übergangsfrist gilt eine Rechnung im falschen Format, die aber inhaltlich vollständig ist, als „sonstige Rechnung\" und berechtigt weiterhin zum Vorsteuerabzug. Kritisch wird es nach Ablauf der Übergangsfrist und immer dann, wenn zusätzlich inhaltliche Pflichtangaben fehlen.",[3687],{"type":694,"attrs":3688},{"color":2827},{"_uid":3690,"hide":26,"title":3691,"component":454,"description":3692},"e0a832f8-6226-4296-a1c2-3ebd9d9be2b8","Wer haftet, wenn mein Lieferant gegen die Ausstellungspflicht verstößt?",{"type":31,"content":3693},[3694],{"type":34,"attrs":3695,"content":3696},{"textAlign":41},[3697],{"text":3698,"type":38,"marks":3699},"Der Lieferant haftet für die Verletzung seiner Ausstellungspflicht. Den wirtschaftlichen Schaden – versagter Vorsteuerabzug, Liquiditätsverzögerung, Korrekturaufwand – trägt jedoch in der Regel der Empfänger. 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Die",[3737],{"type":694,"attrs":3738},{"color":2827},{"text":1270,"type":38,"marks":3740},[3741,3744],{"type":312,"attrs":3742},{"href":3743,"uuid":41,"anchor":41,"target":41,"linktype":399},"https://www.spendesk.com/de/blog/zugferd-rechnung-e-rechnungspflicht/",{"type":694,"attrs":3745},{"color":2827},{"text":3747,"type":38,"marks":3748},"ZUGFeRD-Profilkonformität",[3749,3751],{"type":312,"attrs":3750},{"href":3743,"uuid":41,"anchor":41,"target":41,"linktype":399},{"type":694,"attrs":3752},{"color":3021},{"text":3754,"type":38,"marks":3755}," entscheidet zusätzlich darüber, ob die Rechnung gesetzlich überhaupt anerkannt wird. Wie das prozessual sauber gelingt, beschreibt unser",[3756],{"type":694,"attrs":3757},{"color":2827},{"text":1270,"type":38,"marks":3759},[3760,3762],{"type":312,"attrs":3761},{"href":3031,"uuid":41,"anchor":41,"target":41,"linktype":399},{"type":694,"attrs":3763},{"color":2827},{"text":3765,"type":38,"marks":3766},"GoBD-Leitfaden",[3767,3769],{"type":312,"attrs":3768},{"href":3031,"uuid":41,"anchor":41,"target":41,"linktype":399},{"type":694,"attrs":3770},{"color":3021},{"text":78,"type":38,"marks":3772},[3773],{"type":694,"attrs":3774},{"color":2827},{"_uid":3776,"hide":26,"title":3777,"component":454,"description":3778},"112f8671-193e-4142-93f8-1f33dd3b1107","Bin ich als GmbH grundsätzlich vorsteuerabzugsberechtigt?",{"type":31,"content":3779},[3780],{"type":34,"attrs":3781,"content":3782},{"textAlign":41},[3783,3788,3795,3802],{"text":3784,"type":38,"marks":3785},"Ja, sofern Sie umsatzsteuerpflichtige Leistungen erbringen und die Voraussetzungen nach Paragraph 15 Umsatzsteuergesetz erfüllen. Ab 2027 zählt bei verpflichteten Lieferanten auch das strukturierte Rechnungsformat zu diesen Voraussetzungen. 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CSV-Export, DATEVconnect oder Buchungsdatenservice: Dieser Leitfaden erklärt die Unterschiede und nennt fünf Kriterien für die Toolauswahl.",[],[3888],{"cta":3889,"_uid":3890,"items":3891,"heading":3988,"reverse":26,"component":506,"sectionSettings":4007},[],"a7e573f8-a813-47af-ba59-ba469e08a2cf",[3892,3905,3918,3949,3962,3975],{"_uid":3893,"hide":26,"title":3894,"component":454,"description":3895},"819984b6-8875-48ad-bc8c-9656b2d78aed","Was bedeutet „DATEV-kompatibel\" genau?",{"type":31,"content":3896},[3897],{"type":34,"attrs":3898,"content":3899},{"textAlign":41},[3900],{"text":3901,"type":38,"marks":3902},"Der Begriff ist nicht geschützt: Manche Anbieter meinen damit einen einfachen CSV-Export, andere eine zertifizierte Buchungsdatenservice-Anbindung mit Beleganhang. Prüfen Sie auf dem DATEV Marktplatz, ob der Anbieter dort gelistet ist, und fragen Sie gezielt nach dem Schnittstellentyp.",[3903],{"type":694,"attrs":3904},{"color":2827},{"_uid":3906,"hide":26,"title":3907,"component":454,"description":3908},"e01cbc2f-0cd7-443c-8383-6a74158319f7","Welche DATEV-Schnittstelle passt zu meinem Unternehmen?",{"type":31,"content":3909},[3910],{"type":34,"attrs":3911,"content":3912},{"textAlign":41},[3913],{"text":3914,"type":38,"marks":3915},"Für Unternehmen mit weniger als 50 monatlichen Buchungen reicht ein CSV-Export oft aus. Ab 100 bis 150 Buchungen pro Monat lohnt sich der Buchungsdatenservice: Der manuelle Belegtransfer entfällt, und die GoBD-Konformität ist automatisch gesichert.",[3916],{"type":694,"attrs":3917},{"color":2827},{"_uid":3919,"hide":26,"title":3920,"component":454,"description":3921},"db9ee30b-709f-4da5-b224-b7ae97290276","Was kostet die DATEV E-Rechnungsplattform ab Juli 2026?",{"type":31,"content":3922},[3923],{"type":34,"attrs":3924,"content":3925},{"textAlign":41},[3926,3931,3938,3945],{"text":3927,"type":38,"marks":3928},"Über ein Drittanbieter-Postfach fallen ab dem 1. Juli 2026 0,50 EUR pro ausgehender Rechnung an. DATEV-eigene Lösungen und der Empfang bleiben kostenfrei. Alle Details finden Sie in den",[3929],{"type":694,"attrs":3930},{"color":2827},{"text":1270,"type":38,"marks":3932},[3933,3936],{"type":312,"attrs":3934},{"href":3935,"uuid":41,"anchor":41,"target":41,"linktype":399},"https://www.datev.de/web/de/berufsgruppenuebergreifend/themen-im-fokus/e-rechnung-mit-datev/gesetzliche-regelungen",{"type":694,"attrs":3937},{"color":2827},{"text":3939,"type":38,"marks":3940},"gesetzlichen Regelungen zur E-Rechnung",[3941,3943],{"type":312,"attrs":3942},{"href":3935,"uuid":41,"anchor":41,"target":41,"linktype":399},{"type":694,"attrs":3944},{"color":3021},{"text":78,"type":38,"marks":3946},[3947],{"type":694,"attrs":3948},{"color":2827},{"_uid":3950,"hide":26,"title":3951,"component":454,"description":3952},"caa44a5f-47a3-42f0-b306-40fb4528b276","Wie lange dauert die Einrichtung einer DATEV-Integration?",{"type":31,"content":3953},[3954],{"type":34,"attrs":3955,"content":3956},{"textAlign":41},[3957],{"text":3958,"type":38,"marks":3959},"CSV-Exportkonfigurationen sind in wenigen Stunden erledigt. Buchungsdatenservice-Integrationen benötigen typischerweise zwei bis sechs Wochen, einschließlich Kontenmapping und Testläufen. Spendesk-Kunden sind im Schnitt nach etwa sechs Wochen produktiv.",[3960],{"type":694,"attrs":3961},{"color":2827},{"_uid":3963,"hide":26,"title":3964,"component":454,"description":3965},"154cb9d3-deee-4096-a58d-8944d689b916","Kann ich mehrere Tools gleichzeitig mit DATEV verbinden?",{"type":31,"content":3966},[3967],{"type":34,"attrs":3968,"content":3969},{"textAlign":41},[3970],{"text":3971,"type":38,"marks":3972},"Ja. DATEV Unternehmen Online unterstützt Daten aus verschiedenen Quellen – über separate Mandanten oder gebündelte Importe. 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Die Integrationstiefe variiert je nach Kategorie und Anbieter.",[3986],{"type":694,"attrs":3987},{"color":2827},[3989],{"cta":3990,"_uid":3991,"title":3992,"eyebrow":3999,"subtitle":4002,"component":84,"textAlign":24,"eyebrowPill":26,"flexibleSection":4005,"sectionSettings":4006,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"871707a8-445c-436d-a4c3-a607e2d7a0c9",{"type":31,"content":3993},[3994],{"type":84,"attrs":3995,"content":3996},{"level":86,"textAlign":41},[3997],{"text":3998,"type":38},"Häufige Fragen zur DATEV-kompatibler Software",{"type":31,"content":4000},[4001],{"type":34},{"type":31,"content":4003},[4004],{"type":34},[],[],[],"tools-datev-kompatibel","de/blog/tools-datev-kompatibel",-1900,[],"a8565062-f4d2-48a4-8c86-cfdbe08d3dc9","2026-06-14T17:54:52.906Z",[],"blog/tools-datev-kompatibel",[4017,4018,4019],{"path":4015,"name":41,"lang":52,"published":41},{"path":4015,"name":41,"lang":47,"published":41},{"path":4015,"name":41,"lang":55,"published":41},{"name":4021,"created_at":4022,"published_at":4023,"updated_at":4024,"id":4025,"uuid":4026,"content":4027,"slug":4163,"full_slug":4164,"sort_by_date":41,"position":4165,"tag_list":4166,"is_startpage":26,"parent_id":519,"meta_data":41,"group_id":4167,"first_published_at":4168,"release_id":41,"lang":47,"path":41,"alternates":4169,"default_full_slug":4170,"translated_slugs":4171},"Warum nicht jede ZUGFeRD-Rechnung die E-Rechnungspflicht erfüllt ","2026-06-10T21:07:23.314Z","2026-06-19T11:27:32.922Z","2026-06-19T11:27:32.944Z",186106033448014,"849a0d84-679b-44fd-9613-7fc15e2e27de",{"_uid":4028,"title":4021,"topics":4029,"noIndex":26,"category":4038,"language":4047,"component":421,"heroMedia":4048,"publishedAt":4049,"redirectUrl":24,"listingImage":4050,"metaDescription":4058,"bottomArticleCta":4059,"componentsAfterTheArticle":4060},"02eee323-72a2-4ad1-8e90-69d492bf523a",[4030],{"name":3631,"created_at":3632,"published_at":6,"updated_at":3633,"id":3634,"uuid":3635,"content":4031,"slug":3638,"full_slug":3639,"sort_by_date":41,"position":3640,"tag_list":4032,"is_startpage":26,"parent_id":2390,"meta_data":41,"group_id":3642,"first_published_at":3643,"release_id":41,"lang":47,"path":41,"alternates":4033,"default_full_slug":3645,"translated_slugs":4034,"_stopResolving":56},{"_uid":3637,"name":3631,"component":2385},[],[],[4035,4036,4037],{"path":3645,"name":41,"lang":52,"published":41},{"path":3645,"name":41,"lang":47,"published":41},{"path":3645,"name":41,"lang":55,"published":41},{"name":409,"created_at":410,"published_at":6,"updated_at":411,"id":412,"uuid":413,"content":4039,"slug":421,"full_slug":422,"sort_by_date":41,"position":423,"tag_list":4041,"is_startpage":26,"parent_id":425,"meta_data":41,"group_id":426,"first_published_at":427,"release_id":41,"lang":47,"path":41,"alternates":4042,"default_full_slug":429,"translated_slugs":4043,"_stopResolving":56},{"_uid":415,"icon":4040,"name":409,"component":420},{"id":417,"alt":418,"name":24,"focus":24,"title":24,"filename":419,"copyright":24,"fieldtype":25,"is_external_url":26},[],[],[4044,4045,4046],{"path":429,"name":41,"lang":52,"published":41},{"path":429,"name":41,"lang":47,"published":41},{"path":429,"name":41,"lang":55,"published":41},[47],[],"2026-06-10 00:00",[4051],{"_uid":4052,"asset":4053,"caption":4057,"component":441},"5c4da6bd-142c-40ed-8e77-13c43f55fad5",{"id":4054,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":4055,"copyright":24,"fieldtype":25,"meta_data":4056,"is_external_url":26},91422198891145,"https://a.storyblok.com/f/146026/1020x680/02cf6ebc0e/blog_visual_mountain_free-cash-flow.png",{"alt":24,"title":24,"source":24,"copyright":24},"Die E-Rechnungspflicht brodelt seit Januar 2025. 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Ab Version 2.0.1 ist es konform mit der EU-Norm EN 16931 und erfüllt die deutschen E-Rechnungsanforderungen.",[4076],{"type":694,"attrs":4077},{"color":2827},{"_uid":4079,"hide":26,"title":4080,"component":454,"description":4081},"2acb15b9-cbe5-4a7c-a1be-705b50edda47","Welche ZUGFeRD-Profile sind für die E-Rechnungspflicht zugelassen?",{"type":31,"content":4082},[4083],{"type":34,"attrs":4084,"content":4085},{"textAlign":41},[4086],{"text":4087,"type":38,"marks":4088},"Zugelassen sind BASIC, COMFORT, EXTENDED und XRECHNUNG – jeweils ab ZUGFeRD Version 2.0.1. MINIMUM und BASIC-WL sind ausgeschlossen, da ihnen umsatzsteuerliche Pflichtangaben fehlen. Für B2B-Rechnungen empfiehlt sich COMFORT als Standardprofil.",[4089],{"type":694,"attrs":4090},{"color":2827},{"_uid":4092,"hide":26,"title":4093,"component":454,"description":4094},"eacaf1de-1306-46c0-8d99-786c995a371c","Kann ich ZUGFeRD-Rechnungen direkt in DATEV importieren?",{"type":31,"content":4095},[4096],{"type":34,"attrs":4097,"content":4098},{"textAlign":41},[4099],{"text":4100,"type":38,"marks":4101},"ZUGFeRD-Rechnungen ab Version 2.0.1 lassen sich direkt in DATEV Unternehmen Online importieren. Die eingebettete XML-Datei überträgt Buchungsfelder wie Kreditor, Betrag, Steuersatz und Fälligkeitsdatum automatisch – eine manuelle Erfassung entfällt.",[4102],{"type":694,"attrs":4103},{"color":2827},{"_uid":4105,"hide":26,"title":4106,"component":454,"description":4107},"d0ca6d04-e0c8-459e-a93f-08ac0b936e6e","Kann man ein PDF in eine E-Rechnung umwandeln?",{"type":31,"content":4108},[4109],{"type":34,"attrs":4110,"content":4111},{"textAlign":41},[4112],{"text":4113,"type":38,"marks":4114},"Ein einfaches PDF enthält keine strukturierten XML-Daten und gilt daher nicht als E-Rechnung. Um eine konforme E-Rechnung zu erzeugen, müssen die Rechnungsdaten in einem EN-konformen Format neu erstellt werden – eine reine Dateikonvertierung genügt nicht.",[4115],{"type":694,"attrs":4116},{"color":2827},{"_uid":4118,"hide":26,"title":4119,"component":454,"description":4120},"ae338ed2-7a0c-439f-82f8-a27335fdf58d","Müssen Kleinunternehmer E-Rechnungen versenden?",{"type":31,"content":4121},[4122],{"type":34,"attrs":4123,"content":4124},{"textAlign":41},[4125],{"text":4126,"type":38,"marks":4127},"Kleinunternehmer nach Paragraph 19 UStG müssen seit Januar 2025 E-Rechnungen empfangen können. Die Versandpflicht gilt ab 2028 für alle Unternehmen. Bis dahin dürfen sie Rechnungen weiterhin als PDF oder auf Papier versenden.",[4128],{"type":694,"attrs":4129},{"color":2827},{"_uid":4131,"hide":26,"title":4132,"component":454,"description":4133},"312aff9c-d3e4-46c5-a1fa-a14cc4289a5f","Wie lange müssen E-Rechnungen aufbewahrt werden?",{"type":31,"content":4134},[4135],{"type":34,"attrs":4136,"content":4137},{"textAlign":41},[4138],{"text":4139,"type":38,"marks":4140},"Zehn Jahre, GoBD-konform. 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Entscheidend ist, dass die Freigabe im Kartensystem selbst stattfindet statt per separater E-Mail.",[4657],{"type":694,"attrs":4658},{"color":2827},{"_uid":4660,"hide":26,"title":4661,"component":454,"description":4662},"26cc93fe-9d55-4289-bbbc-747636426580","Müssen alle Mitarbeitenden eine eigene Karte bekommen?",{"type":31,"content":4663},[4664],{"type":34,"attrs":4665,"content":4666},{"textAlign":41},[4667],{"text":4668,"type":38,"marks":4669},"Nein. Die Faustregel: Eine eigene Karte lohnt sich ab etwa drei bis vier geschäftlichen Transaktionen pro Monat. 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Die durchschnittliche Einrichtung dauert rund sechs Wochen.",[4786],{"type":694,"attrs":4787},{"color":2827},{"_uid":4789,"hide":26,"title":4790,"component":454,"description":4791},"3d72bec9-d3aa-4134-94ed-1ceb9313c28a","Wie kürzt die Software die Verpflegungspauschale bei gestellten Mahlzeiten?",{"type":31,"content":4792},[4793],{"type":34,"attrs":4794,"content":4795},{"textAlign":41},[4796],{"text":4797,"type":38,"marks":4798},"Automatisch: 20 Prozent für Frühstück, je 40 Prozent für Mittag- und Abendessen – berechnet auf Basis des 28-Euro-Inlandssatzes bzw. des länderspezifischen BMF-Satzes im Ausland. Details finden Sie im Abschnitt „5 Schritte\" oben im Artikel.",[4799],{"type":694,"attrs":4800},{"color":2827},{"_uid":4802,"hide":26,"title":4803,"component":454,"description":4804},"c7e21d2e-416b-4890-b150-c8bfb40212f1","Welche Reisekosten-Software passt am besten zu kleinen Teams?",{"type":31,"content":4805},[4806],{"type":34,"attrs":4807,"content":4808},{"textAlign":41},[4809],{"text":4810,"type":38,"marks":4811},"Für Teams unter 50 Mitarbeitenden eignen sich Cloud-Plattformen mit mobilem Belegscanner, DATEV-Anbindung, automatischer Pauschalberechnung und GoBD-konformer Archivierung – ab dem ersten Monat ohne manuellen Aufwand.",[4812],{"type":694,"attrs":4813},{"color":2827},[4815],{"cta":4816,"_uid":4817,"title":4818,"eyebrow":4828,"subtitle":4831,"component":84,"textAlign":24,"eyebrowPill":26,"flexibleSection":4834,"sectionSettings":4835,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"769a6d65-5977-4e36-9fe2-97f96bd6127a",{"type":31,"content":4819},[4820],{"type":84,"attrs":4821,"content":4822},{"level":86,"textAlign":41},[4823],{"text":4824,"type":38,"marks":4825},"Häufige Fragen zu Verpflegungspauschalen",[4826],{"type":694,"attrs":4827},{"color":2137},{"type":31,"content":4829},[4830],{"type":34},{"type":31,"content":4832},[4833],{"type":34},[],[],[],"verpflegungspauschale-2026-inlands-auslandssaetze","de/blog/verpflegungspauschale-2026-inlands-auslandssaetze",-1680,[],"9b873b8f-405c-4ea8-b4f8-dece3121f46d","2026-05-29T10:20:58.981Z",[],"blog/verpflegungspauschale-2026-inlands-auslandssaetze",[4846,4847,4848],{"path":4844,"name":41,"lang":52,"published":41},{"path":4844,"name":41,"lang":47,"published":41},{"path":4844,"name":41,"lang":55,"published":41},[4850,4851,4852,4853],["Reactive",3620],["Reactive",2885],["Reactive",4717],["Reactive",2367],1783145580985]