Kereskedelmi és Hitelbank Zrt.

Kereskedelmi és Hitelbank Zrt. (K&H Bank) is a universal bank in Hungary and a member of Belgium’s KBC Group, serving retail, SME, and corporate clients through a nationwide branch and ATM network and digital channels. Its core offering covers forint and foreign currency current and savings accounts, domestic and cross-border payments (including participation in Hungary’s instant payment system for qualifying transfers), debit and credit cards, personal loans, mortgages, and corporate lending, alongside investment products and investment services within the K&H Group, asset management, insurance under a bancassurance model, and leasing solutions. The bank provides online and mobile banking for account management, transfers, bill payments, card controls, and investment access; business clients have cash management, merchant acquiring, trade finance, and treasury services. Euro payments are supported via SEPA and international transfers via SWIFT; PSD2-compliant open banking interfaces are available to licensed third parties. Pricing is typically structured through account packages with monthly fees, transaction charges, and foreign exchange spreads that vary by product and customer segment; cash withdrawals may be subject to fees beyond statutory allowances. Lending is primarily in forint with fixed or variable rates subject to affordability assessments and regulatory limits, and the bank distributes state-supported schemes when available under government rules. Retail deposits are covered by the National Deposit Insurance Fund (OBA) up to the euro-equivalent of 100,000 per depositor per institution, and the bank is supervised by the Magyar Nemzeti Bank; investor protection rules apply to securities services as set out in local law. Eligibility, documentation, and processing times differ by product, and terms and tariffs are updated periodically, so applicants should review current conditions on the bank’s website or in branch before entering into agreements.