Compare Business Banking in Hungary

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17 live offers compared from 9 providers, from HUF 0. Updated daily.

What is business banking in Hungary?

Business banking covers the accounts and services companies, sole traders (egyéni vállalkozó) and other organisations use to manage money in Hungary. At its core is a business current account (vállalati bankszámla), which Hungarian companies are generally required to hold, along with payments, card acceptance, overdrafts, loans and treasury tools. Providers range from the large universal banks with relationship managers to app-based platforms aimed at freelancers and small businesses wanting fast, low-cost digital banking.

How the Hungarian business-banking market works

Companies typically must maintain a business bank account, and banks compete on account fees, transaction pricing, lending and sector expertise. Domestic forint business payments settle over the instant payment system, and a financial transaction levy applies to many outgoing payments, which banks pass on. Traditional banks offer full corporate services and credit, while fintechs such as Revolut Business appeal to smaller firms and freelancers with cheaper multi-currency accounts and simple online onboarding.

Benefits of business banking

Compliance — A dedicated business account meets the requirement for companies to bank separately from personal funds.

Instant payments — Forint business transfers settle within seconds, aiding cash flow.

Access to credit — Overdrafts, loans and leasing support working capital and investment.

Multi-currency and digital tools — Fintech and bank platforms offer FX accounts, expense cards and accounting integrations.

How to choose business banking

Match the provider to your size and needs: a freelancer may prioritise low fees and easy onboarding, while a trading company needs credit lines, FX and a relationship manager. Compare the monthly account fee, per-transaction charges (including the transaction levy pass-through), card acceptance costs, and international payment pricing. Check integration with accounting software, multi-user access controls, and lending appetite for your sector. Consider holding a fintech account alongside a main bank for FX efficiency.

Leading providers in Hungary

CIB Bank, Raiffeisen Bank Hungary, UniCredit Hungary, OTP Bank, K&H Bank, Gránit Bank and Erste Bank Hungary offer the full range of business accounts, payments and corporate lending. Revolut Business serves smaller firms and freelancers with multi-currency accounts and digital tools. The right mix depends on whether you need deep credit and relationship support or lean, low-cost digital banking, and many businesses combine both.

What business banking costs

Costs include the monthly account fee, per-transaction charges, card and cash-handling fees, and the financial transaction levy passed on to outgoing payments. International and FX payments add further cost, where fintech platforms often undercut banks. Lending carries interest summarised in the relevant cost indicators. Pricing is highly tiered by package and volume, so model your typical monthly activity, including international payments, to compare providers on real cost.

Protections and regulation

Banks and payment providers are licensed and supervised by the MNB or, for passporting fintechs, another EU regulator. Business deposits at banks are covered by the OBA up to the EUR 100,000 equivalent per depositor, though cover for larger companies and the treatment across account types should be checked. Fintech client funds are safeguarded separately rather than deposit-insured. Payment services follow EU authentication and consumer-protection rules.

Common questions

Must my company have a business account? — Hungarian companies are generally required to hold a business bank account. How fast are payments? — Domestic forint business transfers settle within seconds. Is a fintech account enough? — It suits smaller firms and FX needs; larger firms often need bank credit and relationship support. Are business deposits protected? — Bank deposits are OBA-covered up to the EUR 100,000 equivalent; check terms for larger balances.

Business Banking in Hungary — FAQ