Takarékbank

WikiFX | 2025-06-18 18:09

摘要：　　Takarékbank was founded in 2023 and is registered in Hungary. However, Hungary's financial authorities do not control it, and it does not have any licenses from major international regulators like the FCA or ASIC. It offers a comprehensive range of standard retail banking services such current accounts, loans, insurance, and digital banking tools.

Takarékbank Review Summary
Founded	2023
Registered Country/Region	Hungary
Regulation	No regulation
Services	Account management, loans, savings & investment, insurance, digital banking
Demo Account	❌
Platform/APP	Online banking, mobile banking
Customer Support	Phone: 06 80 350 350, 06 1 373 3399

Takarékbank Information

Takarékbank was founded in 2023 and is registered in Hungary. However, Hungary's financial authorities do not control it, and it does not have any licenses from major international regulators like the FCA or ASIC. It offers a comprehensive range of standard retail banking services such current accounts, loans, insurance, and digital banking tools.

Pros and Cons

Pros	Cons
Offers a wide range of banking and financial services	No regulation
Multiple account types
Fee waivers available for qualifying customers
Clear fee structure

Is Takarékbank Legit?

Takarékbank claims to be registered in Hungary, but it is not regulated by the Hungarian financial authorities. It also lacks license from major international regulators such as the UK's FCA, Australia's ASIC, and the US NFA.

Services

Takarékbank provides a comprehensive suite of retail and personal banking services, including account management, loans, savings, insurance, and digital banking tools. It acts as a typical bank rather than a trade or investment platform.

Service	Details
Account Management	Account management, bank cards, safe deposit boxes
Loans	Housing loans, personal loans, baby loan, leasing, credit cards
Savings & Investment	Savings programs, deposits, bonds, funds, government securities
Insurances	Life, travel, home, credit protection insurance
Digital Services	Online banking, mobile app, SMS, video bank, telebank

Account Type

MBH Bank provides accounts for everyday banking, students, premium clientele, and business owners. Each account has its own set of income or deposit restrictions, as well as privileges like fee-free transfers, card discounts, and digital banking. Entry-level solutions allow flexibility with fewer restrictions, but premium packages include dedicated advisors and investing services.

Account Type	Monthly Fee	Key Benefits	Suitable for
MBH Discount	HUF 572	Free card payments, online/mobile banking	Regular earners (≥ HUF 100,000/month)
MBH Discount Plus	HUF 400	Free standing orders, cheaper transfers	Medium-income clients (≥ HUF 350,000)
MBH Extra	HUF 0	Free transfers, free Platinum card (1st year)	High earners (≥ HUF 600,000)
MBH Premium		Dedicated advisor, lower investment fees, free card & transfers	Premium clients (≥ HUF 800,000 or HUF 8M savings)
MBH Manager		Business features, discounted Gold/Platinum cards	Entrepreneurs and executives
MBH Student		Free card, Netbank, mobile app	Students
MBH Student Loan Account		Designed for student loan recipients, fee-free banking	Student loan holders
MBH Entry	–	Simple setup, basic banking with freedom	New or flexible users

Takarékbank Fees

Takarékbank's (MBH Bank) costs are moderate to low when compared to industry standards, particularly for customers who meet certain income or consumption requirements. Many account packages waive fees for monthly maintenance, transfers, and card usage, making them affordable for frequent users. Some services, however, may still incur ordinary banking charges if certain conditions are not met.

Account Type	Monthly Account Fee	Card Fee (1st Year)	HUF Transfers < 50,000	Other Notes
MBH Discount	HUF 572	HUF 785/month (Visa Sustainable)	Free credit card purchases	Requires ≥ HUF 100,000/month income
MBH Discount Plus	HUF 400	Discounted	HUF 0 (standing orders)	Requires ≥ HUF 350,000/month income
MBH Extra	HUF 0	HUF 0 (Platinum card, 1st year)	HUF 0 (occasional transfers)	Requires ≥ HUF 600,000/month income
MBH Premium		HUF 0 (Platinum card, 1st year)	Unlimited free transfers	For ≥ HUF 800,000 income or HUF 8M in savings
MBH Manager		Gold: 0 HUF, Platinum: HUF 13,465 (1st year)	Free recurring transfers	For business owners and executives
MBH Student		HUF 0 (Standard/Classic card)	HUF 0 (online/mobile)	For students with free Netbank & Mobile App
MBH Student Loan Account		HUF 0 (Student Loan card)	HUF 0	For student loan holders
MBH Entry	Not specified	Standard card fees may apply	Basic free services	No income requirements