Raiffeisen Bank Zártkörűen Működő Részvénytársaság

Raiffeisen Bank Zártkörűen Működő Részvénytársaság (Raiffeisen Bank Zrt.) is a Hungarian commercial bank headquartered in Budapest and part of Raiffeisen Bank International AG, an Austrian banking group active across Central and Eastern Europe. The bank serves retail, SME, and corporate clients with current and savings accounts in HUF and select foreign currencies, payment cards, consumer loans, mortgages, term deposits, and distribution of investment products through group entities; corporate services include cash management, trade finance, foreign exchange and interest-rate products, and access to leasing and factoring via affiliates. Accounts use Hungarian IBANs and support domestic instant payments under the national scheme, SEPA credit transfers for euro transactions, and international transfers via SWIFT; digital channels include internet and mobile banking with strong customer authentication in line with PSD2 requirements. The institution operates a nationwide branch and ATM network concentrated in urban areas, while remote channels cover most routine services; card portfolios typically use Visa or Mastercard branding, and support for major mobile wallets depends on device and product. Pricing is set out in published tariff lists, with monthly account fees, card fees, payment charges, and FX spreads varying by package and customer segment; account opening is subject to standard KYC and local legal requirements, and availability for non-residents may be limited. The bank is supervised by the Central Bank of Hungary (Magyar Nemzeti Bank), and eligible deposits are covered by the National Deposit Insurance Fund (OBA) up to the statutory limit per depositor per institution; capital and liquidity are reported under Hungarian and EU prudential rules, and audited financial statements are publicly available. As a subsidiary of an international group, its local operations are influenced by group-level risk, funding, and compliance frameworks, and by changes in domestic regulation, payments infrastructure, and consumer-protection rules.