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.

adapted to your needs

what are the conditions for qualifying for a K&H Premium Account & Service Package Agreement?

You can qualify for a K&H Premium Account and Services Plan if you are a natural person over 18 years of age, ready to sign a contract for a K&H Premium Account & Services Package and, as the main Account Holder:

  • you have savings in excess of HUF 5 million or
  • your account is credited with at least HUF 500,000 per month or
  • you are 30 years old or younger and you have a parent or grandparent who is a K&H

PremiumBanking Customer, ready to give you a recommendation by filling in a K&H Premium Recommendation Card for you.

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 Mastercard debit cards

0 HUF*

Annual fee for 1 K&H Mastercard credit card (APR: 26,4%) for the main account holder

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. 10,000 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

good to know before you make up your mind

If you sign a contract with us for a K&H Premium Account & Services Package, you will enjoy a grace period starting from that date and ending with the last day of the same month.
The review period starts on the first banking day of the month, and it lasts until the last day of the month (or, if that day falls on a bank holiday, until the previous banking day). The next review period begins on the next banking day.
We waive our service fee for the grace period. After the grace period, K&H will check if you qualify for the Service and any Special Discounts (i.e. meet the relevant criteria) in every review period.

premium service entry criteria checking – example

Premium contract is signed on 20 May, so grace period ends on 31 May.
review period: 1 – 30 June

If we find that you do not qualify for the Service and the Special Discounts in any review period, we will charge the monthly account service fee to your account.

how can I get a refund on the monthly fee?

If you meet the following criteria in any one month, you will qualify for a refund of either 50 per cent or a full 100 per cent of the account service fee for your K&H Premium Account & Services Package Agreement

monthly service fee

 

criteria to meet to benefit from our Special Discount (50% or 100% of the service fee) in any one month

HUF 6,750

 

you do not meet the criteria, i.e. you do not have:
- HUF 5 million in savings or 
- min. HUF 500,000 a month regular credits to your account

 

 

 

 

HUF 3,375 

 

you have more than HUF 5 million in savings

or

min. HUF 500,000 per month credited to your account

 

 

HUF 0

 

you have more than HUF 5 million in savings
OR
min. HUF 500,000 a month credited to your account

and

bankcard purchases totalling min. HUF 100,000 a month, or

  • egular investment unit purchases or
  • a regular-premium savings life insurance **

of at least HUF 50,000 per month*

or

savings of more than HUF 15 million

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 Financial Navigator Advisory 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.