Premium banking plus account

Personal attention. With real values

Up to 2x HUF 40 000 for a new account. Open with a selfie!
Premium banking plus account

Personal attention. With real values

Up to 2x HUF 40 000 for a new account. Open with a selfie!

Premium banking plus számla - Termékelőnyök

Why is it good to be a Premium Banking Plus client?

You can reach your personal consultant via video

With just one click on the RaiConnect video channel at the scheduled time

You can trade on foreign market

On the award-winning trading platform, in the myRaiffeisen app.

Investments from international markets

You can also choose from the funds and certificates of the Austrian banking group.

Tab - Premium Banking számla - 40 000 Ft jóváírás

Receive up to 2x 40,000 HUF credit 

40,000 HUF credit for account opening 

  • Open an account with a selfie or at a bank branch by 2024.05.09
  • Reduce your account's monthly fee to zero
  • Commit to a 1-year loyalty period
     

We'll reward you with another 40,000 HUF if you save with us

  • Open a Savings Account with your new account
  • Your money accumulates with every card purchase or cash withdrawal
  • Increase your savings by 5,000 HUF for 6 months

Promotional account opening conditions for Aktív and Premium Banking accounts: 
40,000 HUF account opening credit: available for new adult customers who open promotional HUF Retail and Premium accounts from 2025.03.10 until withdrawal, but no later than 2025.05.09 (for online account opening, the application must be completed by the withdrawal date or by 18:00 on 2025.05.09 at the latest) and meet the conditions of monthly fee exemption, Loyalty Program registration, and a 1-year loyalty commitment. 

The account opening credit promotion does not apply to accounts opened at Raiffeisen financial partner points.
A new customer is defined as someone who has not held a Raiffeisen Retail, Premium, or Private Banking account in any currency in the six months prior to account opening. The 40,000 HUF credit must be repaid if the account is closed within the loyalty period.
Additional 40,000 HUF credit (if the customer has already qualified for the account opening credit): for a new Savings Account opened between 2025.03.10 and 2025.05.30, with a monthly increase of 5,000 HUF for 6 months.

Tab - Prémium Banking plus - Termékelőnyök

What other benefits does the Premium Banking account offer? 

  • You can choose from a wide range of investment products to grow your existing assets or also start a Raiffeisen Recurring Investment. 
  • Get the most out of your money with our broad range of investment products. Your dedicated Premium advisor will help you make the right decisions.
  • With Raiffeisen Online Broker you can profit from the returns of domestic and international stock markets. You can also find Online Broker in the myRaiffeisen mobile app. 
  • You can choose from our exclusive credit cards 
  • You can withdraw cash free of charge 3 times a month from any ATM in your home country, and in an EEA member state, respectively.
  • If the conditions are met, you can keep your account free of charge1 and reduce your transfer fees2 and card fees3 to HUF 0.

1 The fee will be waived if the conditions are met. If the conditions are not met, the account management fee is HUF 22.000/month.

2 Up to a total value of HUF 1,000,000 (regardless of the number of transactions) in a given calendar month, intra-bank and inter-bank (collectively) one-off transfers are free of charge, a fee for each additional transfer exceeding this amount: for the portion exceeding HUF 50,000 0,45%, max. HUF 20,000. 

3 From the second year on, the annual fee of the MC Premium Standard card is HUF 8,500 or no fee is charged. In the case of Premium Banking Plus accounts the discounted fee will be applied if the Customer carries out purchase transactions with the given debit card in a total amount of at least HUF 2,500,000 in the 12 months preceding the charging of the annual fee. 
 

Tab - Prémium Banking plus - Feltételek

How can you become a Premium Banking Plus customer? 

  • If you receive at least HUF 700,000 each month in a single monthly payment4 to your account or you keep assets in an amount of at least HUF 10,000,0004 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. (this is HUF 13,340,000 on 1st February 2024, HUF 14,540,000 from 01.01.2025), 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.

EBKM (unified deposit interest rate index): 0.01%

The definition of promotional accounts, the credit, the advertised promotion, as well as the further conditions of bank accounts and bank cards can be found in the Raiffeisen Retail Account, List of Conditions for Electronic Services; the Raiffeisen CLEVERcard, Bank-, and Credit Card List of Conditions; Relationship Package; as well as in the Premium Banking List of Conditions, the Loyalty Program, General Terms and Conditions, the Retail Business Rules, and the General Business Conditions.

4 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.
 

Account opening

Open a premium account online

Choose from the available options

Asset Publisher

Account opening Account opening with a selfie

Download the myRaiffeisen mobile app and open a premium account with a selfie.
Account opening With VideoBanker identification

Open an account online with video banker identification
Account opening In person at a bank branch

Request a callback, and our colleague will schedule an appointment for you.

MyRaiffeisen mobile app

Download the myRaiffeisen app, open an account in just 20 minutes, and bank freely

Nyitóoldal - Hasznos tudnivalók az online számlanyitáshoz

Useful info for opening an account online

Account opening with VideoBanker identification

Currently, only Hungarian nationals over 18 years of age with Hungarian tax residence, holding a valid ID card and a Hungarian address card, who have not opened any retail bank account, securities account or loan with us yet, can open an account online. If you have a current account with our bank, please contact one of our branches to open a new account.


What do I need to open an account online without visiting a branch office?

  • A mobile device or desktop computer with a camera or a laptop with a webcam
  • Personal ID document
  • Address card


What are the technical requirements for video identification?

To initiate the application you need a mobile device with a camera, or a laptop or desktop computer with a webcam. For video identification you will need a camera, microphone/headset turned on and Google Chrome or Mozilla Firefox browser or smartphone

  • Android: 4.4 or higher and Chrome or Mozilla Firefox browser
  • iOS: 11.2.6 or higher and Safari browser


What should I be aware of when taking photos of a document?

  • Take a photo of the back of your ID card.
  • Shoot the photo of the document on a well-lit, flat surface.
  • If you are using a mobile device to open your account online, when taking photos of your documents, please choose the back camera for better quality. When switching cameras, you may experience a brief interruption in both sound and picture.


I have confirmed my phone number and agreed to the declarations, after which I have not received any email. What should I do?

Check your spam folder or register again with the correct email address. If you do not repeat the registration, we will call you within 24 hours.

 


When should I start the video identification?

  • Any time between 8-20 on working days, but no later than until 20:00 the day following your registration.
  • If you need to wait please do not click and refresh the page as it will restart your waiting time.
  • It is important that during the identification process you should be able to be alone in a room for about 10-15 minutes.


How can I start video identification?

  • After initiating the online account opening process, click on the "Video identification" button, or
  • Click on the "Video identification" button in the email sent to your email address (by 20:00 on the working day following your registration)
  • If the call is disconnected, you can return to the video call by clicking on the "Video identification" button contained in the email


Can I modify the selected bank account or credit card during video identification?

If you need assistance in choosing a bank account or credit card, please contact our colleagues because the video call is only for identification purposes. You cannot make any changes during the video call, only by initiating a new registration.

Selfie account opening with myRaiffeisen mobile application.

Choose to open your account using a selfie with the myRaiffeisen mobile app if: 

  • you hold a new type of chip ID card issued after 2016,
  • you have an NFC-enabled mobile phone,
  • you would like to choose from the following accounts: Premium Banking, Premium Banking Plus
  • 0-24 hours availability

For accounts opened between 8:00 and 19:00 on working days, the account will be opened within 1 hour, and for accounts opened outside this period, the account will be opened by 9:00 on the next working day.

Download the myRaiffeisen mobile app and open an account with a selfie!  

When can I start using the account?

Account openings initiated on working days between 8:00 and 19:00 will be completed within an hour; otherwise, they will be processed by 9:00 on the next working day. We will send a notification of the successful account opening to the provided email address and also include the access path to the contractual documents.

Where can I find the Direct ID I need to use Internet banking?

The notification email about the successful account opening will include an attachment (.zip file) containing the Direkt Identifier PDF.

How can I activate my internet banking (Direktnet) service?

At https://direktnet.raiffeisen.hu click on the ACTIVATE tab to enter your eight-digit Direct Identifier and the one-time Raiffeisen Digital Channel activation code linked to the Direct Identifier you received in the SMS.

Egyedi tartalom - Országos Betétbiztosítási Alap - Prémium Banking Plus

EBKM (unified deposit interest rate index): 0.01%
 

The product is insured by the National Deposit Insurance Fund.
The bank account can be applied for by new customers on the Raiffeisen Online Retail Account Opening Platform and in the myRaiffeisen mobile application, if they have not had a retail bank account, securities account or loan products with Raiffeisen bank in the 6 months prior to opening the account. 


 

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Arm yourself against cyber fraud by
visiting the CyberShield website

 

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The conditions for using the Premium Banking service and the conditions of the Premium Banking account are available in the current Premium Banking List of Conditions, as well as in the other relevant lists of conditions (e.g. Raiffeisen Retail Account, List of Conditions for Electronic Services), in the Retail Business Rules and the General Business Conditions, on the website www.raiffeisen.hu or in our branch offices.
You can find the detailed description and terms and conditions of Premium debit cards in the Raiffeisen OKOSkártya, Debit and Credit Card Conditions List on the Bank's website or in our branch offices.

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Digital solutions RaiConnect video channel

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Investments Recurring Investment

Go big with small investments, start saving today
Digital solutions Raiffeisen Online Broker

Trade with stocks comfortably and follow the prices

Befektetések - Bankelőnyök

Why choose Raiffeisen Bank

130 years of international
banking

As a member of Raiffeisen Bank International, we represent the values of a 130-year-old parent company, creating security and stability

Professionalism

"Best Bank in Hungary" award at the EMEA Finance "Europe Banking Awards 2023" international competition.

Innovation and support

We deliver our financial services to our customers through continuous innovation and our highly qualified staff