Compare Bank Accounts in Hungary

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What is a bank account in Hungary?

A bank account (bankszámla) is the everyday current account (lakossági folyószámla) Hungarians use to receive salary, pay bills, and spend with a card. It comes with a debit card, online and mobile banking, and access to Hungary's instant forint payment system. Accounts are usually held in forint, though some banks offer euro accounts, and monthly fees range from free for basic or digital accounts to around HUF 4,490 for premium packages with added benefits.

How the Hungarian current-account market works

The market spans large universal banks, a growing digital bank (Gránit Bank), and app-based challengers such as Revolut. Domestic forint transfers settle within seconds under the instant payment system (AFR), and many banks offer QR-code and request-to-pay features built on it. Account pricing is usually tiered: fees can be waived if you pay in a minimum salary or keep a certain balance, so the headline price often overstates what an active customer actually pays.

Benefits of a bank account

Instant payments — Forint transfers to other Hungarian accounts arrive within seconds, day or night.

Fee waivers — Many accounts drop the monthly charge if you receive a salary or meet a balance condition.

Digital control — Mobile apps handle transfers, card freezes, and spending insights.

Deposit protection — Balances are covered by the OBA up to the EUR 100,000 equivalent per person per bank.

How to choose a bank account

Look at the real monthly cost after any salary or balance-based fee waiver, not just the list price. Compare card fees, ATM withdrawal allowances, and charges on transfers, remembering that a financial transaction levy is often passed on to outgoing payments. Check the quality of the mobile app, branch and ATM access if you use cash, and whether the account bundles extras like travel insurance. For international spending, weigh a fintech account alongside a traditional bank.

Leading providers in Hungary

OTP Bank is the largest with the widest branch and ATM network. Raiffeisen Bank Hungary, UniCredit Hungary, Erste Bank Hungary, CIB Bank and K&H Bank offer a full range of tiered accounts. Gránit Bank is a digital-first option with low-fee online accounts, while Revolut is popular as an app-based multi-currency account, often held alongside a domestic bank rather than replacing it.

What a bank account costs

Monthly fees range from zero for basic or digital accounts up to about HUF 4,490 for premium packages. Real costs also include card fees, cash withdrawal charges beyond any free allowance, and the transaction levy passed on to outgoing transfers and card payments. Many banks waive the account fee for customers who credit a monthly salary, so an active user may pay far less than the advertised rate.

Protections and regulation

Banks are licensed and supervised by the MNB, and current-account balances are protected by the National Deposit Insurance Fund (OBA) up to the EUR 100,000 equivalent per depositor per bank. Payment services follow EU strong-customer-authentication and consumer-protection rules, and Hungarians have a legal right to a basic payment account. Disputes can be escalated to the MNB's consumer protection function and the Financial Arbitration Board.

Common questions

Can I avoid the monthly fee? — Often yes, by crediting a minimum salary or keeping a set balance. How fast are transfers? — Forint transfers between Hungarian accounts settle within five seconds. Is my money protected? — Yes, up to the OBA limit of the EUR 100,000 equivalent per person per bank. Do I pay a transaction tax? — A financial transaction levy is commonly passed on to outgoing payments.

Bank Accounts in Hungary — FAQ