Gránit Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Gránit Bank suits savers who can leave money untouched for the full term and prioritise a strong fixed return. Its deposit pays 6.85%, with eligible balances protected under EU DGS up to EUR 100,000, although the lock-in and early withdrawal charge reduce flexibility.
Key facts
- Best for
- Savings for a fixed-term home deposit that can remain untouched until maturity.
- Headline rate
- 6.85%↗
- Rate type
- Fixed↗
- Term
- 3 months↗
- Minimum deposit
- HUF 50,000↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- 3-month lock-in, placed in the Gránit app; early withdrawal 0.10%↗
- Monthly fee
- HUF 0↗
- Account kind
- Fixed↗
- Legal entity
- GRÁNIT Bank Nyrt.↗
- Headquarters
- Hungary↗
- Founded
- 2010↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- granitbank.hu
Loans
- APR
- 0.43% to 9.61%↗
- Loan amount
- HUF 1,000,000 to HUF 11,000,000↗
- Arrangement fee
- 0 HUF↗
- Credit check
- Hard↗
- Funding time
- Within 24 hours of signing the contract↗
- Representative example
- Gránit Babaváró Kölcsön 10,000,000 HUF over 20 years, 240 instalments, 41,667 HUF/month, THM 0.43% with interest support, total repayable 10,525,000 HUF, loan total cost 525,000 HUF↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Married couples, both partners aged 23 or over, wife under 35, both holding a Hungarian residence address, at least one partner with 3 years of insurance contributions, no tax arrears, clean KHR record↗
- Loan types
- Personal, Secured, Credit-line, Student, Debt-consolidation↗
- Use cases
- Home-improvement↗
- Features
- Same-day funding
Mortgages
Debit cards
- Card type
- Debit↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
Pros and cons
Pros
- The fixed headline rate is 6.85%.
- Deposits receive protection of EU DGS up to EUR 100,000.
- Support is available through phone, chat and email.
Cons
- The money is tied for 3, making the account unsuitable for short-notice needs.
- An early withdrawal charge applies, reducing the return if funds are withdrawn before the term ends.
Who it suits
- People building a fixed-term savings pot who do not expect to need it before maturity.
- Savers comfortable arranging and managing the deposit through the Gránit app.
Who should look elsewhere
- Someone needing immediate access to savings should consider Wise, but its headline rate is only 3.29%.
- Someone wanting a broader advertised rate range should consider Finteres, with rates of 0% to 36%.
Safety of your money
Gránit Bank is authorised and supervised in Hungary by Magyar Nemzeti Bank. Eligible deposits are covered under the EU Deposit Guarantee Scheme, with protection stated as EU DGS up to EUR 100,000. This gives savers a clear national regulatory framework and a stated limit for eligible balances.
Rates and terms
The fixed deposit pays a headline rate of 6.85%, above the term-deposit median of 6%. Its rate type is fixed and the term is 3. The borrowing APR of 0.43% to 9.61% applies to a separate product and does not set the deposit return.
How Gránit Bank compares
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Where Gránit Bank is available
- Available
- Hungary, Romania
- Licence in Hungary
- Magyar Nemzeti Bank (MNB) (E-III/1121/2005), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Gránit Bank offer?+
The fixed deposit pays a headline rate of 6.85%. Its rate type is fixed, so the return does not behave like a variable savings rate.
How much must I deposit?+
The minimum deposit is HUF 50,000. The account is a fixed deposit, so savings must be committed for the stated term rather than kept freely accessible.
How long is the money locked in?+
The deposit term is 3. It is intended for money that can remain in place until the fixed period ends.
How is the deposit managed?+
The deposit is placed in the Gránit app. An early withdrawal charge applies if the money is withdrawn before the agreed term has finished.
Is my deposit protected?+
Deposit protection is EU DGS up to EUR 100,000. This protection applies to eligible deposits held with Gránit Bank under the stated scheme limit.
Which authority supervises the bank?+
Gránit Bank is supervised in Hungary by Magyar Nemzeti Bank, as shown by its banking licence. The bank is headquartered in Hungary.
Sources
- granitbank.hu checked September 26, 2026
Backs: Card type
“debit/credit cards”
- granitbank.hu/bankunk checked September 26, 2026
Backs: Founded
“2010 - A Gránit Bank indulása - Május 7-én a PSZÁF engedélyével elindul a Gránit Bank”
- granitbank.hu/kapcsolat checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Székhely: 1134 Budapest, Váci út 17.”
- granitbank.hu/lakossag/bankszamlak/hello checked September 26, 2026
Backs: Monthly fee
“Hello bankszámla ... A számlacsomag díjtételei - Havi számlavezetési díj: 0 Ft”
- granitbank.hu/lakossag/hitelek checked September 26, 2026
Backs: Loan types, Purpose
“Otthon Start Lakáshitel ... Babaváró Kölcsön ... Gránit Munkáshitel ... Szabadfelhasználású jelzáloghitel ... Szabadfelhasználású folyószámlahitel ... Gránit Hitelkiváltás ... Diákhitel”
- granitbank.hu/lakossag/hitelek/babavaro checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Arrangement fee, Representative example, Use cases
“Számoljátok ki a felvehető kölcsön összegét a Babaváró hitelkalkulátorral ... 1 000 000 Ft ... 11 000 000 Ft”
- granitbank.hu/lakossag/hitelek/jelzaloghitel checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Product fee
“Gránit Lakáshitel ... THM 6,67%”
- granitbank.hu/lakossag/megtakaritasok/betetek checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection, Headline rate, Minimum deposit, Pricing model, Rate type, Term, Licences
“eBank betét ... Betétlekötési idő: 3 hónap ... A betét lejárata előtti feltörése esetén: 0,10%”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Gránit Bank
Savings for a fixed-term home deposit that can remain untouched until maturity.