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Gránit Bank review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Gránit Bank is a good fit for Hungarian account holders who want an app-run everyday account and a fixed-rate place to keep savings, with balances held under the EU deposit guarantee. The deposit pays 6.85% for a 3 term, and everyday banking adds no monthly or conversion charge.

Key facts

Best for
A free everyday account plus a fixed-rate HUF deposit under EU deposit protection.
Monthly fee
HUF 0↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
0%↗
Currencies
5↗
Local account details
IBAN↗
Free ATM withdrawals
HUF 300,000↗
Transfer fee
0 HUF up to 50000 HUF per month via NetBank or Gránit app, 0.45% above that↗
Legal entity
Gránit Bank Nyrt.↗
Headquarters
Hungary↗
Founded
2010↗
Support channels
Email, Chat, Phone, Help-centre↗
Audience
Travelers, Business, Students, Teens
Pricing model
No monthly fee, Low FX fees
Features
Free ATM withdrawals, Digital-only
Official website
granitbank.hu

Savings

Headline rate
6.85%↗
Rate type
Fixed↗
Term
3 months↗
Minimum deposit
HUF 50,000↗
Access terms
3-month lock-in, placed in the Gránit app; early withdrawal 0.10%↗
Account kind
Fixed↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataLinkedInfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • Everyday banking runs on a monthly fee of HUF 0 and a currency conversion fee of 0%.
  • Balances sit under EU deposit protection, EU DGS up to EUR 100,000.
  • The fixed deposit pays 6.85% for a 3 term from a HUF 50,000 minimum deposit.
  • Help is available by email, chat and phone, and cash machine withdrawals are free up to HUF 300,000.

Cons

  • Savings stay committed for a 3 term, and taking money out early costs a fee.
  • The currency list is short at 5, so heavy multi-currency users may want more.
  • A HUF 50,000 minimum puts the term deposit out of reach for small savers.
Gránit Bank

Ready to try Gránit Bank?

Scored 9.1 / 10 by VaultCue.

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Who it suits

  • Everyday account holders in Hungary who want no monthly fee and no conversion charge.
  • Travellers paid in a few currencies, one of the travelers, business and student groups the bank lists.
  • Savers who can leave money for a 3 term to earn 6.85%.

Who should look elsewhere

  • PayPal Colombia, which also charges a monthly fee of $0, if a wallet suits spending better than a bank deposit account.
  • Skrill, at a monthly fee of €0, for people who mainly send money rather than hold savings.
  • Plazo ES, at a monthly fee of €0, for anyone who would rather avoid a 3 commitment on deposits.

Rates and terms

Gránit Bank's savings product pays a fixed rate of 6.85% over a 3 term. The rate is set when the deposit is placed, so the return is known in advance and the money stays committed for the length of the term rather than sitting on call.

How Gránit Bank compares

Where Gránit Bank is available

Available
Hungary, Romania
Licence in Hungary
Magyar Nemzeti Bank (MNB) (992/1997/F, 44/1998, III/41.031-8/2002), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the Gránit Bank everyday account cost to run?+

The monthly fee is HUF 0, and the currency conversion fee is 0%. Transfers in Hungary are free within a monthly allowance made through NetBank or the Gránit app, with a percentage fee charged above that amount. Cash machine withdrawals are free up to HUF 300,000.

Is my money protected if the bank fails?+

Deposits are covered by the EU deposit guarantee: EU DGS up to EUR 100,000. The bank is supervised in Hungary by the Magyar Nemzeti Bank, and its licence is listed as 992/1997/F, 44/1998, III/41.031-8/2002. The legal entity behind the account is Gránit Bank Nyrt..

What rate do I get on savings, and for how long?+

The deposit pays a fixed rate of 6.85% for a term of 3. That is a fixed return, so it does not move with the market during the term. You place the deposit in the Gránit app, and the minimum starting balance is HUF 50,000.

Can I get my money out early?+

The deposit carries a lock-in for the length of the 3 term, placed in the Gránit app. Withdrawing before the term ends is allowed, but the bank charges a small fee on the amount taken out. Plan around the 3 commitment if you may need cash sooner.

How many currencies can I hold, and can I get local account details?+

The account covers 5 currencies, with local account details in the form of a iban. That is enough for a traveller paid in a few currencies, though it is a smaller currency list than many multi-currency accounts carry.

Who is Gránit Bank built for?+

The bank lists travelers, business and student among the groups it serves, so travellers, business customers, students and teenagers all feature. The account runs at HUF 0 a month, which suits students and younger customers, and the deposit pays 6.85% for longer-term savers.

How do I get help if something goes wrong?+

Support runs on email, chat and phone, so you can reach the bank by email, chat, phone or a help centre. The account is app-run, with deposits placed in the Gránit app, and transfers made through NetBank or that app.

Do I need to visit a branch?+

No branch visit is part of the model: free atm and digital only lists the service as digital-only alongside free cash machine access. Withdrawals up to HUF 300,000 are free, so you can still take money out in person when needed. Everything else runs through the app and online banking.

Sources

  • granitbank.hu checked September 26, 2026

    Backs: Licences

  • 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: Free ATM withdrawals, Deposit protection, Headquarters, Legal entity, Local account details, Support channels

    “egyéb esetben díjmentesen havonta 2-szer, összesen legfeljebb 300.000 forintot, jogszabályban előírt nyilatkozattal”

  • granitbank.hu/lakossag/bankszamlak checked September 26, 2026

    Backs: Audience, Currencies

    “Utazóknak Gránit Devizaszámla; Diákhitellel rendelkezőknek Gránit Diákhitel bankszámla; Gyermekeknek (<18) Gránit Family Junior bankszámla; Vállalkozásoknak”

  • granitbank.hu/lakossag/bankszamlak/hello checked September 26, 2026

    Backs: Features, Currency conversion fee, Pricing model, Monthly fee, Transfer fee

    “Ingyenes ATM készpénzfelvétel belföldön: 2 db/hó; sem a bankszámlanyitáshoz, sem a szerződéskötéshez nem szükséges befáradnod bankfiókunkba”

  • granitbank.hu/lakossag/megtakaritasok/betetek checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type, Term

    “eBank betét ... Betétlekötési idő: 3 hónap ... A betét lejárata előtti feltörése esetén: 0,10%”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type.

Gránit Bank

Gránit Bank

A free everyday account plus a fixed-rate HUF deposit under EU deposit protection.

9.1/10See alternatives