K&H premium account and service package

more than an ordinary account

  • Fast and convenient daily banking
  • Unique preferential terms and conditions complete with a wide range of complimentary services
  • Monthly account management fee returned if terms and conditions are met

details

In addition to a retail bank account and the required services associated therewith, the K&H premium account package also includes most banking services and insurance products that you will need to manage your finances. These items are not subject to additional fees and charges as they are already included in your premium account management fee (Standardised Deposit Interest Rate: 0.01%).

The K&H premium account and service package is insured by the National Deposit Insurance Fund.

adjusted to your needs

The K&H premium account and service package is available at a discount subject to compliance with the terms and conditions of eligibility.

preferential terms and conditions of the transactions and products

Account management fee for 1 K&H retail HUF account (SDIR: 0.01%)

0 HUF

Account management fee for 2 K&H retail HUF accounts (SDIR: 0.01%)

0 HUF

Annual fee for 2 K&H Visa Gold debit cards

0 HUF*

Annual fee for K&H World MasterCard Plus contactless credit card (APR: 39.7%)

0 HUF**

Fee for the first five cash withdrawals per month from K&H ATMs***

0 HUF + 0.6% transaction fee

Fee for the first thirty transactions per month (one-off domestic payments, direct debits, regular domestic payments)
via K&H e-bank or mobilbank

0 HUF + 0.3%, max. 6 000 HUF transaction fee

Monthly fee for K&H e-bank

0 HUF

Monthly fee for K&H mobilbank

0 HUF

Monthly fee for K&H mobilinfo

0 HUF

 

* The prevailing annual discount will apply to all retail debit cards available with the account package as per the effective Announcement concerning K&H debit cards available to natural persons.

** The prevailing annual discount will apply to all retail credit cards available with the credit card account as per the effective Announcement concerning K&H credit cards available to natural persons.

*** The amount that can be withdrawn free of charge by card holders who have signed the Free Cash Withdrawal Form must be withdrawn in a maximum of two transactions

information you need to decide

Determining compliance with the terms and conditions of eligibility; grace period

  • the terms and conditions must be complied with during the grace period, which lasts until the last day of the month following the signing of the contract
  • no service package fee is charged for the month in which the contract is signed
  • compliance with the terms and conditions of eligibility is determined as of the last day of the month following the signing of the contract (the end of the grace period)
  • compliance with the terms and conditions of eligibility after the grace period will then be reviewed monthly as of the last day of each month
  • if the terms and conditions of eligibility are not complied with by the end of the grace period or by a subsequent review date, then the full package fee will be charged on the 8th calendar day of the following month and eligibility to premium banking services will cease until the last working day of the same month and the products included in the package will not be available at the preferential terms and conditions
  • the package fee will be charged on the 8th calendar day of the month following the review

premium service entry criteria checking – example

Premium contract is signed on 20 May, so grace period ends on 30 June.
 

either of the entry criteria is met

  • The full monthly fee is charged on 8 July (5 766 HUF)
  • The premium contract is cancelled by the penultimate working day of July and client will be migrated to „smart convenient plus” account
  • The monthly fee of the „smart convenient plus” account will be charged on the last day of the month, 31 July

entry criteria 5 million HUF savings or 500 000 HUF incoming transfer* is met

  • The full monthly fee is charged on 8 July (5 766 HUF) and 2 883 HUF will be discounted on the account

any of the discount criteria is met?  

  • The full monthly fee is charged on 8 July (5 766 HUF) and 5 766 HUF will be discounted ont he bank account

entry criteria 5 million HUF savings or 500 000 HUF incoming transfer* is met

  • The full monthly fee is charged on 8 July (5 766 HUF)

none of the entry or discount criteria is met?

  • The full monthly fee is charged on 8 July (5 766 HUF) and 2 883 HUF will be discounted on the account

Each month, domestic HUF transfers totalling at least the amount stipulated herein are received under any title and in maximum three instalments into the K&H Retail Bank Account linked to the K&H premium account package.

General Terms and Conditions
announcement on the bank accounts, deposits, cash transactions, bankcards and investments of premium banking clients
We draw your attention to the consumer protection website of the Financial Consumer Protection Centre of the National Bank of Hungary where you can find useful product descriptions and various applications for comparison (loan calculator, budget calculator for households).
This material does not constitute an offer; its sole purpose is to draw attention to a product. A detailed description of the products and services and their terms and conditions can be found in the relevant Contract; in the General Contracting Terms and Conditions applicable to retail accounts, deposit accounts and term deposit products; in K&H Bank’s General Terms and Conditions; and in the respective Announcements on the bank accounts, deposits, teller transactions, bank cards and investments of natural persons and premium banking clients, which can be viewed in our bank branches and at the www.kh.hu website. The Standardised Deposit Interest Rate and Annual Percentage Rate and the fees and charges stated herein were set in accordance with the Announcement on premium banking in effect on 4 May 2015. The Bank reserves the right to change the aforementioned terms and conditions. The insurance service is provided by K&H Insurance. The details of the product are included in the terms and conditions of the relevant insurance contract.