Polgári Bank Zártkörűen Működő Részvénytársaság products, services and reviews

About Polgári Bank Zártkörűen Működő Részvénytársaság

Polgári Bank Zártkörűen Működő Részvénytársaság (Polgári Bank Zrt.) is a Hungarian credit institution incorporated as a closed joint-stock company and supervised by the Magyar Nemzeti Bank, operating under Hungarian and EU banking rules. Its portfolio typically covers retail and small-to-medium enterprise needs, including HUF current accounts, savings and term deposits, domestic transfers via the GIRO system, participation in Hungary’s instant payment scheme for eligible HUF transfers, bank cards, and standard lending lines such as consumer, mortgage, and SME working-capital or investment loans subject to credit assessment and collateral where applicable. International payments and accounts in foreign currencies may be available depending on the bank’s current offer, with SEPA transfers supported for euro payments. Distribution is centered on a compact regional branch footprint complemented by remote channels; internet banking is standard, while mobile and other digital functions should be checked against the latest service descriptions and technical requirements. Pricing follows the common Hungarian model of account packages with monthly fees and per-transaction charges; transfers, ATM withdrawals, card issuance and maintenance, account statements, and foreign-exchange conversion are priced per the current Hirdetmény, and eligible residents who opt in may use the statutory two free domestic ATM withdrawals per month up to the legal limit. Deposits are covered by the Országos Betétbiztosítási Alap to the HUF equivalent of EUR 100,000 per depositor per institution. Onboarding and ongoing service require standard KYC/AML documentation and GDPR-compliant data handling. Before opening an account or taking a loan, review branch coverage, cutoff times, fee schedules, interest terms and APR calculation, early-repayment and account-closing fees, and any special conditions for government- or scheme-backed products, as these are updated periodically through official announcements and general terms.