GRÁNIT Bank Zártkörûen Mûködõ Részvénytársaság products, services and reviews

About GRÁNIT Bank Zártkörûen Mûködõ Részvénytársaság

GRÁNIT Bank Zártkörűen Működő Részvénytársaság (GRÁNIT Bank Zrt.) is a Hungarian commercial bank headquartered in Budapest, licensed and supervised by the Magyar Nemzeti Bank and a member of the National Deposit Insurance Fund (OBA), which insures eligible deposits up to the equivalent of EUR 100,000 per depositor. The bank operates a digital-first model with a limited branch footprint, offering remote onboarding via video identification and electronic signatures where permitted, and day-to-day account management through its internet and mobile banking channels. Its product set covers HUF current accounts, savings and fixed-term deposits, debit cards, domestic HUF payments including 24/7 instant transfers, EUR SEPA credit transfers and other international transfers, and foreign currency accounts; lending includes consumer and housing loans for individuals and financing, cash management, and other banking services for SMEs and corporate clients. The digital channels support strong customer authentication and card controls, and the bank supports major mobile wallets such as Apple Pay and Google Pay. Investment services typically involve the distribution of selected investment funds and securities, subject to appropriateness and regulatory requirements. Pricing is set out in published tariff lists; cash access is via domestic ATM networks, and the statutory option for two free cash withdrawals per month (subject to prior registration and legal limits) applies under Hungarian law. PSD2/Open Banking interfaces are available for third-party providers. The largely remote operating model suits customers comfortable with digital channels, while those requiring frequent in-branch or cash services may find the sparse physical network restrictive. Eligibility criteria, documentation, and fees vary by product and customer segment and should be confirmed against current terms.