K&H Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
K&H Bank suits Hungarian residents who want a large domestic bank behind a plain debit card, and less suitable for anyone watching the monthly cost. The retail account carries a monthly fee of HUF 786, while the home loan product fee is HUF 0.
Key facts
- Best for
- Hungarian households that want everyday banking, a Mastercard debit card and a mortgage from one bank.
- Monthly fee
- HUF 786↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Kereskedelmi és HiteIbank Zrt. (K&H Bank)↗
- Headquarters
- Hungary↗
- Founded
- 1987↗
- Support channels
- Phone, Email↗
- Official website
- kh.hu
Mortgages
Pros and cons
Pros
- A single bank covers the debit card and the home loan, with an initial rate of 7.19% and a fixed period of 5 years on the mortgage
- The mortgage product fee is HUF 0, so arranging a home loan adds no arrangement charge
- Longstanding domestic institution, founded in 1987 and headquartered in Hungary
- Support runs on phone and email for the home loan and online, email and phone on the insurance side
Cons
- The retail account charges a monthly fee of HUF 786, where bunq and Wise list a monthly fee of €0 and £0
- Cards sit on one network, mastercard, so there is no alternative network to pick within the range
- Support for the home loan runs on phone and email only
Who it suits
- Hungarian residents holding everyday money and a home loan at the same bank
- Borrowers looking at a mortgage with an initial rate of 7.19% and a maximum loan to value of 90%
- Households that also want auto, home, travel and life cover from the same provider
Who should look elsewhere
- Anyone prioritising a fee free account, where Wise charges a monthly fee of £0
- People who want a choice of card networks, since cards here run on mastercard
- Applicants wanting a home loan arranged without a product fee check, since the product fee is HUF 0
Who runs it
K&H Bank trades as Kereskedelmi és HiteIbank Zrt. (K&H Bank) and is headquartered in Hungary. It was founded in 1987, so the relationship can run across generations rather than a short product cycle. The legal entity behind the brand also runs an insurance arm, with claims handled online, email and phone. Home loan support runs on phone and email, which covers telephone and email.
How K&H Bank compares
8.9 vs 9.4
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Where K&H Bank is available
- Available
- Hungary
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the K&H Bank account cost each month?+
The retail account carries a monthly fee of HUF 786, which is the main ongoing cost to weigh. Some rivals charge nothing for the same kind of everyday account, for example a monthly fee of €0 at bunq. The home loan is separate, and its product fee is HUF 0.
What kind of card does K&H Bank issue?+
The card offered is a debit card, so spending draws directly on the money in the account rather than a revolving balance. It runs on the mastercard network, which is worth checking against the networks you use most for travel or subscriptions.
How does the K&H Bank home loan look on cost?+
The mortgage starts at an initial rate of 7.19% and carries an annual percentage rate of charge of 7.6%. The fixed period is 5 years, and the maximum loan to value is 90%. The product fee itself is HUF 0.
Who can borrow from K&H Bank and for what?+
The home loan covers purchase and remortgage, so it can be used to buy a property or to remortgage an existing one. The arrangement fee is HUF 0, and the maximum loan to value of 90% sets how much of the property the loan can cover. Reach the team on phone and email.
Does K&H Bank also offer insurance?+
Yes, the same group sells cover across auto, home and travel, and the provider counts as an insurer rather than a broker. Claims can be started online, email and phone, which covers online, email and phone. The entry point on the insurance side is a premium starting from HUF 409.
How long has K&H Bank been around?+
The bank was founded in 1987 and operates as Kereskedelmi és HiteIbank Zrt. (K&H Bank) from HU. It is a long established domestic institution rather than a recent entrant, which matters when you want the provider to still be there when the account or mortgage runs for years.
How do I get help from K&H Bank?+
For the home loan, support runs on phone and email, so telephone and email are the routes. The insurance side is wider, with claims handled online, email and phone, adding an online option. Both are direct lines rather than a third party helpdesk.
Sources
- en.wikipedia.org/wiki/K%26H_Bank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founded 1987 ... K&H was established as Országos Kereskedelmi és Hitelbank Rt. (OKHB) under the 1987 reform that established a two-tier banking system in Hungary”
- web.archive.org/web/20260117073546/https://www.kh.hu/bizt... checked September 26, 2026
Backs: Claims channels, Provider type, Insurance types, Premium from
“online kárbejelentő ... e-mail: gepjarmukar@kh.hu ... telefonszám: +36 1/20/30/70 335 3355”
- kh.hu/lakashitel checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose, Support channels
“THM: 7,6%”
- kh.hu/web/eng/daily-banking/bank-accounts/retail checked September 26, 2026
Backs: Card type, Monthly fee, Card network
“annual fee for the K&H Mastercard bank card”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
K&H Bank
Hungarian households that want everyday banking, a Mastercard debit card and a mortgage from one bank.