Premium banking account

How can you become a Premium Banking customer? 
If you are over 18 years old and you receive at least HUF 400,000 each month in a single monthly payment1 to your account

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 at least twice 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, credited to the Customer's account, provided that the amount of the credit does not exceed the minimum monthly credit amount currently specified for the Premium Banking Plus account. For the purposes of this condition, the Bank shall not consider a transfer between own accounts as a credit transfer. 

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. 
The Bank determines the HUF equivalent of foreign currency credits 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 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 400,000 or its foreign currency equivalent.

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.

EBKM (unified deposit interest rate index): 0.01%
 

The conditions for using the Premium Banking service and the conditions of the Premium Banking Plus 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 CLEVERcard, Bank-, and Credit Card List of Conditions on the Bank's website or in our branch offices.

¹ During a special promotion period until 31.12.2026, a minimum monthly single-amount credit of HUF 400,000 is required to be eligible for Premium Banking. Non-promotional conditions are specified in the current List of Conditions, which, in the case of a Premium Banking account, includes a monthly credit of at least twice the current minimum wage.