Erste Bank Hungary review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Erste Bank Hungary suits Hungarian households already banking there who want fixed-rate lending, a fixed deposit and everyday card money from one bank. You get a fixed rate on both sides, with a personal loan APR of 44.49%, borrowing of HUF 500,000 to HUF 15,000,000 and terms of 36 to 96.
Key facts
Loans
- APR
- 44.49%↗
- Loan amount
- HUF 500,000 to HUF 15,000,000↗
- Term
- 36 to 96 months↗
- Credit check
- Hard↗
- Funding time
- Within 3 business days↗
- Representative example
- Most Személyi Kölcsön: 3,000,000 HUF over 60 months at 11.99% fixed, total cost in price 1,033,095 HUF, THM 13.17%, total repayable 4,033,095 HUF, monthly instalment 66,718 HUF↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Age 23 or over, permanent resident of Hungary, at least 3 months in the current job, minimum monthly net income HUF 214,000, salary paid to a Hungarian bank account, not on the KHR negative list↗
- Loan types
- Personal, Debt-consolidation↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Credit cards
Savings
Pros and cons
Pros
- Fixed pricing on both sides, with the lending model fixed and the deposit rate type fixed.
- Borrowing of HUF 500,000 to HUF 15,000,000 over terms of 36 to 96, paid out Within 3 business days.
- The monthly fee on the account is HUF 0, and the bank issues a debit card on the visa network.
- A fixed deposit can be broken at any time in the mobile app, by phone or in a branch in person.
Cons
- Free early repayment is not offered, so clearing a personal loan sooner than planned carries a cost.
- Applications face hard credit checks, so a full credit review sits in the way of a quick yes.
- Support runs on chat and phone only, with no email or help centre channel listed.
Ready to try Erste Bank Hungary?
Scored 9.0 / 10 by SumCue.
Who it suits
- Hungarian residents with a salary paid into a local account who want to borrow and save with the same bank.
- Homebuyers and movers taking a fixed-rate mortgage, since the fixed period runs 10 and the maximum loan to value is 80%.
- Savers who can hold a fixed deposit and still want to reach their money in the app, by phone or in person.
Who should look elsewhere
- Anyone outside Hungary, since the products are built for residents with a Hungarian bank account and salary.
- Borrowers who want to repay a loan early without a charge.
- Applicants with irregular income, since eligibility rests on a minimum monthly net income and a minimum age.
Rates and card terms
The card offer runs at an APR of 44.49%, while the deposit rate type is fixed, so what you are offered does not drift with the market. Personal loans run over terms of 36 to 96 at a fixed rate, and a fixed deposit holds its rate for the period you open it for.
The company behind it
The accounts are issued by Erste Bank Hungary Zrt., which sits in Hungary, so everything here is built for the Hungarian market rather than a cross-border service. Support runs on chat and phone, which means a chat window or a phone call rather than a branch desk for most everyday questions.
How Erste Bank Hungary compares
9.0 vs 9.4
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9.0 vs 8.0- 9.0 vs 8.0
Where Erste Bank Hungary is available
- Available
- Hungary
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a personal loan from Erste Bank Hungary cost?+
Personal loans carry an APR of 44.49%, with borrowing of HUF 500,000 to HUF 15,000,000 over terms of 36 to 96 at a fixed rate. The representative example shows the instalment and the total repayable, so the whole cost is visible before you apply.
Can I repay a loan early?+
Free early repayment is not offered on these loans, which matters if you expect to clear the balance sooner than planned. The lending runs on a fixed model, so borrowing costs stay level for the life of the agreement, but an early exit still carries a charge.
What do I need to qualify for a personal loan?+
You need to be an adult, a permanent resident of Hungary, settled in your current job for a minimum period, and paid a salary into a Hungarian bank account. A minimum monthly net income applies, you cannot appear on the KHR negative list, and credit checks run at hard level.
Can I get at my deposit money before the end?+
A fixed deposit here can be broken at any time through the mobile app, by phone or in a branch in person, so your savings are not locked away for the full term. The account kind is fixed and the monthly fee is HUF 0, with the rate type fixed while the money stays in.
How quickly does approved money arrive?+
Approved personal loans are paid out Within 3 business days, which is a working-week wait rather than an instant transfer. The application itself is a hard credit check, so the clock starts with the review and ends when the payout lands in your account.
What does the mortgage offer look like?+
The home loan offer starts at an initial rate of 6.54% with an APRC of 6.86%, fixed for 10, and the maximum loan to value is 80%. It covers purchases, remortgaging, first-time buyers and home equity, and the product fee is HUF 0.
How do I get help?+
You reach the bank through chat and phone, so a chat window or a phone call rather than an email or a help centre. The accounts are issued by Erste Bank Hungary Zrt. in Hungary, so the service is aimed at Hungarian customers.
Sources
- erstelakashitel.hu checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“THM 6,86 %”
- kampany.erstebank.hu/extras/erstemax checked September 26, 2026
Backs: APR, Card kind, Features, Perks, Rewards rate, Rewards type
“THM 44,49% - Erste Max Hitelkartya”
- szemelyikolcson.erstebank.hu checked September 26, 2026
Backs: Credit check, Eligibility, Lender type, Loan types, Pricing model, Representative example, Term, Use cases
“nem szerepelsz a Központi Hitelinformációs Rendszer (KHR) negatív listáján”
- erstebank.hu/hu/ebh-nyito/hitelek-es-otthon/kolcsonok/sze... checked September 26, 2026
Backs: Loan amount, Free early repayment, Funding time
“A Most Személyi Kölcsön 500.000 Ft és 15.000.000 Ft között vehető igénybe.”
- erstebank.hu/hu/ebh-nyito/megtakaritasok checked September 26, 2026
Backs: Monthly fee
“Célbetétben vagy lekötött betétben ingyenesen kezelheted megtakarításaidat, ráadásul magasabb kamatot kaphatsz, mintha a folyószámláján tartanád a pénzed.”
- erstebank.hu/hu/ebh-nyito/megtakaritasok/betetek/lekotott... checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“Lekötött betétjét bármikor feltörheti George-on, TeleBankon vagy a bankfiókban személyesen.”
- erstebank.hu/hu/ebh-nyito/mindennapi-penzugyek/szamlak/er... checked September 26, 2026
Backs: Card type, Card network
“Csokkentsd koltsegeid betetikartya-szolgaltatas (tovabbiakban bankkartya) kedvezmennyel”
- erstebank.hu/hu/kapcsolat checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Erste Bank Hungary Zrt.”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Erste Bank Hungary
Fixed-rate lending and deposits from the same Hungarian bank.