Premium banking plus account

How can you become a Premium Banking Plus customer? 

• If you receive at least HUF 700,000¹ each month in a single monthly payment4 to your account or you keep assets in an amount of at least HUF 10,000,000¹ with us.

Retail HUF account management with debit card service, internet banking and mobile application services, purchases with a debit card domestically and internationally

Eligibility criteria:
Pre-condition for the use of the account is

• to receive on a monthly basis (i) from outside the Bank or (ii) from within the Bank, from a legal person or a company without legal personality or a sole trader, in a lump sum of four times the monthly gross minimum wage (the statutory minimum amount of the basic salary of a full-time employee for full-time work) in HUF or the equivalent amount in a foreign currency quoted by the Bank (this is HUF 1,067,200 on 1st February 2024, HUF 1,163,200 from 01.01.2025), or
• that the aggregate balance of the Customer's savings with Raiffeisen Bank is at least fifty times the current gross monthly minimum wage or the equivalent amount in foreign currency. (currently: HUF 14,540,000), but it should not exceed the lowest amount of the required savings specified in the current List of Terms & Conditions for Private Customers, i.e. the Private Banking segment limit

Verification of the condition:
The Bank shall verify compliance with the above conditions on the last working day of the relevant month (reference month). The Bank shall examine the fulfilment of the above crediting condition for the relevant month (reference month) from the 20th day of the month preceding the reference month to the 19th day of the reference month. The Bank does not verify the fulfilment of the conditions for the use of the account fee package during the month of setting up the account fee package and the first following month (grace period), but will do so on the last working day of the next month. For the purposes of this condition, the Bank shall not consider a transfer between own accounts as a credit transfer. When calculating the aggregate savings balance, the Bank takes into account: The balance of Raiffeisen bank accounts, the amount of time deposits and the aggregate closing balance of securities accounts with Raiffeisen Bank available on the day of verification. The Bank determines the HUF equivalent of foreign currency credits and/or savings by taking into account the Raiffeisen Bank's mid exchange rate valid for individuals on the day of the verification

Charging account management fee:
 After the grace period, in case of non-compliance with the condition, the Bank shall be entitled to charge a monthly account keeping fee, due on the 3rd working day of the month following the month concerned. 

Promotion: From 1 February 2024 until 31st December 2026, the Bank will not charge a monthly account keeping fee, and will consider the conditions for using the Premium Banking Plus account to have been met during the promotional period, if the amount

• of the above-mentioned crediting to the account equals to at least HUF 700,000 or its foreign currency equivalent, or
• the aggregate balance of the above assets (savings) deposited with the Bank equals or exceeds HUF 10,000,000 or its equivalent in a foreign currency.

In light of the measures proposed by the Ministry of National Economy to curb inflation, the Bank has decided to offer promotional discounts on certain fees from May 1, 2025, to June 30, 2026. The discounted fees included in this promotion will be indicated in the relevant Conditions Lists. The Bank reserves the right to modify or terminate these promotions with two months' prior notice to affected customers if unforeseen significant and adverse changes occur in the circumstances existing at the time of the promotions' announcement—particularly in the legal and regulatory environment applicable to the Bank—that make it unreasonable to maintain these promotional fees under unchanged conditions.

¹ During a special promotion period until 31.12.2026, you need to have a minimum monthly single-amount credit of HUF 700,000 or at least HUF 10 million savings with our Bank to be eligible for Premium Banking Plus. Non-promotional conditions are specified in the List of Conditions currently applicable, which, in the case of a Premium Banking Plus account, includes a monthly credit of at least four times the current minimum wage, or savings with our Bank in the amount of at least fifty times the current minimum wage.