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הגורמים המוסמכים לכך.","@type":"Answer"}},{"name":"מהו ההבדל בין שיקים סחירים לבין שיקים ל\"מוטב בלבד\"?","@type":"Question","acceptedAnswer":{"text":"שיק סחיר הוא שיק אשר מאפשר למי שקיבל אותו להעביר אותו לצד שלישי, רביעי (וכן הלאה) בתור תשלום בפועל. סחיר בא מהשורש ס.ח.ר כלומר — ניתן לסחור בו והוא אינו מוגבל רק בין 2 צדדים. שיק אשר מופיע עליו \"למוטב בלבד\" ובנוסף רשום על גבי השיק שם האדם/החברה שהשיק הינו לפקודתו, אינו ניתן להעברה לצד שלישי. \"למוטב בלבד\" חוסם את אפשרות ההעברה (הסבה) הזו ומתיר רק למוטב שרשום על השיק לפדות אותו. דרך כך, מתבטלת סחירות השיק והוא תקף רק בין 2 הצדדים לו.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-05-20T00:18:58.501547+00:00","updated_at":"2026-07-05T17:40:07.684+00:00","faq":[{"answer":"בפשטות, שירות ניכיון שיקים/צ׳קים מסחריים משמעו — הפיכת שיק דחוי לכסף מזומן. כיום, זוהי צורת מימון פופולרית ביותר אשר משרתת החל מאנשים פרטיים וכלה בחברות גדולות.","category":"services","question":"מהו שירות ניכיון שיקים/צ׳קים מסחריים?"},{"answer":"המימון ​ישפר ​את ‍נזילות ​הלקוח ‍ויצור ​תזרים ‍מזומנים ​חיובי. ​העמלות ‍האטרקטיביות ​ביותר ‍בשוק, ‍ללא ‍חיובים ‍בגין ‍פתיחת ​תיק, ‍עמלות ​מסמכים ​וכו׳. ​המימון ​מוענק ‍בהתאמה ‍אישית ​על ​פי ‍צורכי ​הלקוח ​ולשביעות ‍רצונו. ​שקיפות ​מלאה ‍אל ​מול ​לקוחותינו, ​הצעות ‍מחיר ‍בטלפון, ​התנהלות ​אחראית ‍ונבונה. ‍שירות ​ללא ‍תחרות, ‍יחס ‍אישי ​ומקצועי ​תוך ​שימת ​הלקוח ‍במרכז. ​יצירת ‍אפיק ​מימוני ‍נוסף ​שמקטין ​את ‍התלות ​בבנק. ‍ניטרול ‍הבירוקרטיה ‍והסחבת ‍המאפיינות ‍את ​הבנקים ‍תוך ​מתן ​שירות ​מהיר ​ויעיל. ‍לקוחותינו ‍נהנים ​מבדיקה ​יסודית ‍של ​השיקים ​שברשותם ‍תוך ​מתן ​חוות ‍דעת","category":"general","question":"מדוע המימון של פז השקעות אופטימלי לאנשים פרטיים ולעסקים?"},{"answer":"ניכיון שיקים מותרת אך ורק לבעלי רישיון משרד האוצר אשר עובדים בכפיפות לבנק ישראל. זוהי פעולה משפטית המעוגנת בחוק ויש לקיים אותה רק עם הגורמים המוסמכים לכך.","category":"general","question":"האם ניכיון שיקים הינה פעולה חוקית?"},{"answer":"שיק ​סחיר ​הוא ‍שיק ​אשר ‍מאפשר ​למי ‍שקיבל ​אותו 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