CIB Bank
CIB Bank Zrt. is a Hungarian commercial bank and wholly-owned subsidiary of Intesa Sanpaolo Group, serving over 450,000 retail, SME, corporate, and municipal customers across Hungary through 58 branches and award-winning digital banking platforms.
- Company typePrivate
- Founded1979
- HeadquartersBudapest, Hungary
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What CIB Bank does
CIB Bank Zrt. is a Hungarian commercial bank headquartered in Budapest, founded in 1979 as Central European International Bank Ltd. and now operating as a wholly-owned subsidiary of Intesa Sanpaolo S.p.A. (Turin, Italy). The bank serves over 450,000 customers across four segments — retail/individual (including Magnifica premium and Private Banking tiers), SMEs, large corporate/institutional clients, and Hungarian municipalities — through a hybrid distribution model combining 58 physical branches, an award-winning mobile application, modern CIB Bank Online and CIB Business Online platforms, the CIB24 24/7 telephone banking service, and an ATM network with 85%+ barrier-free accessibility.
The product portfolio spans current accounts (ECO, ECO Plusz, ECO ForYou for students, Gyerekszámlák for minors, CIB Családi Flottacsomag family package), debit and credit cards (Visa Inspire line, Mastercard Gold, Optimum credit card), personal and government-subsidized home loans (CIB Otthon Start, Zöld Lakáshitel, CSOK Plusz, Babaváró), investment distribution through Eurizon Capital funds, insurance (credit protection, Egészségőr 3.0 health, travel, home, life), and leasing via subsidiary CIB Lízing Zrt. The proprietary CIB Bank Mobile Application — recognized for innovation and including the pioneering #withPAY contact-based transfer service and selfie-based account opening launched in 2018 — anchors the digital proposition. Open banking infrastructure is supported by a PSD2-compliant API for third-party providers.
Revenue is generated through traditional banking mechanics: net interest income from the HUF 1.7+ trillion loan book (HUF 900B+ corporate, HUF 800B retail) and commission/fee income from accounts, cards, investment distribution, and insurance. The bank's strategic posture emphasizes digital transformation, sustainable finance leadership (HUF 77B in corporate sustainable loans, HUF 140B+ in retail social loans), and continued branch modernization under a four-year growth strategy framework set by the Intesa Sanpaolo Group.
CIB Bank firmographics
Firmographics- Name
- CIB Bank
- Legal name
- CIB Bank Zrt.
- Website
- https://cib.hu
- Company type
- Private
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- CIB Bank Zrt. is a Hungarian commercial bank and wholly-owned subsidiary of Intesa Sanpaolo Group, serving over 450,000 retail, SME, corporate, and municipal customers across Hungary through 58 branches and award-winning digital banking platforms.
- Ownership category
- akta.pro rank
CIB Bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Commercial Banking (522110)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022)
- akta.pro primary industry
- Credit Cards & Revolving Credit (FSABAAAC)
- akta.pro secondary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where CIB Bank is headquartered
LocationHeadquarters
- HQ city
- Budapest
- HQ country
- Hungary
- HQ region
- Europe
Offices1 record
Markets served
CIB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Interest Income: Traditional banking revenue from lending activities including personal loans, home loans, mortgage loans, business loans, and green financing products. Interest rates vary by product with promotional rates available.
- Commission and Fee Income: Fee-based revenue from account management, transaction processing, card services, investment fund distribution through Eurizon, and other banking services. Focus on increasing commission income generation capacity.
- Investment Products Distribution: Distribution of Eurizon investment funds, government securities, and structured products to retail and corporate customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | ECO Account family - Free bank account with digital focus |
| Subscription | Monthly | CIB Otthon Start - Government-subsidized home loan |
| Subscription | Monthly | Babaváró Kölcsön - Baby-expecting loan |
| Subscription | Monthly | CIB Előrelépő Személyi Kölcsön - Personal loan |
| Subscription | Monthly | Green Interest Discount - Sustainable property loans |
| Subscription | Monthly | Partner Start Account - SME entry package |
Distribution channels6 records
Marketing channels7 records
CIB Bank product offering
Product offeringCore offering
CIB Bank is a Hungarian commercial bank that delivers retail, SME, corporate, and municipal banking products including current accounts (ECO family), debit and credit cards, personal and home loans (including subsidized and green variants), investment funds via Eurizon, insurance, leasing, and 24/7 telephone banking. Services are accessed through an award-winning mobile app, online banking platforms, 58 physical branches, an ATM network, and the CIB24 call center, serving more than 450,000 customers.
Product overview
CIB Bank is a Hungarian commercial bank operating as part of the Intesa Sanpaolo Group, serving over 450,000 customers through a comprehensive digital banking platform. The core offering consists of CIB Bank Mobile Application and CIB Bank Online (modern online banking replacing the legacy CIB Internet Bank), complemented by the eBroker investment platform. The retail banking suite includes multiple ECO account variants (ECO, ECO Plusz, ECO ForYou for students), a family package, and the pioneering #withPAY service enabling contact-based transfers. Card products span Visa Inspire (Electronic, Embossed, Platinum) and Mastercard Gold (debit and credit), with mobile payment integrations covering Google Pay, Apple Pay, Garmin Pay, Xiaomi Pay, and Fidesmo Pay. Lending products encompass personal loans (CIB Előrelépő), subsidized home loans (Otthon Start, CSOK Plusz, Zöld Lakáshitel), and the Baby-Expecting Loan (Babaváró). Insurance offerings include credit protection, health insurance (Egészségőr 3.0), travel insurance, home insurance, and life insurance. Investment services feature Eurizon-managed funds including ESG-compliant products. The CIB PSD2 API enables open banking integration for third-party providers. CIB24 provides 24/7 telephone support, while CIB Lízing offers vehicle and equipment leasing through the group's subsidiary.
Differentiator
Problem solved
Functional benefit
Brands
- ECO Bankszámla: Bank account product line including ECO, ECO Plus, and ECO ForYou variants for different customer segments including students
- Magnifica
- Private Banking
- CIB Előrelépő Személyi Kölcsön
- CIB Otthon Start
- CIB24
- #withCIB
- #withPAY
- CIB Bank Online
- CIB Bank Mobilalkalmazás
- eBroker
- CIB Lízing
- #withSAVE
Products and services
- ECO Bankszámla (ECO Account Family)
- Visa Inspire Debit Cards (Electronic, Embossed, Platinum)
- Mastercard Gold Debit and Credit Cards
- CIB Bank Mobile Application
- CIB Bank Online / CIB Business Online
- eBroker Investment Platform
- CIB Előrelépő Személyi Kölcsön (Personal Loan)
- CIB Otthon Start Home Loan
- Babaváró Kölcsön (Baby-Expecting Loan)
- Zöld Minősített Fogyasztóbarát Lakáshitel (Green Certified Home Loan)
- CIB PSD2 API
- CIB Lízing (Leasing Services)
- Eurizon Investment Funds
- Insurance Products (Hitelfedezeti Védelem, Egészségőr 3.0)
- CIB24 Telephone Banking
- Partner Start Account (SME Banking)
- Magnifica Premium Banking
- Private Banking Services
Quantifiable outcome
- 420,000+ customers served across retail, SME, and corporate segments
- +3 more outcomes
Companies that use CIB Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
CIB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
CIB Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Intesa Sanpaolo S.p.A.coreParent company headquartered in Turin, Italy (Piazza San Carlo 156). CIB Bank operates as a subsidiary within the Intesa Sanpaolo Group, benefiting from strategic direction, capital support, sustainability reporting frameworks (CSRD), EURizon asset management products, and international best practices. The Group provides the four-year growth strategy framework and ESG guidelines.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
CIB Bank competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CIB Bank social profiles
Digital presenceCIB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
CIB Bank leadership team
Management profileNumber of profiles
Profiles12 records
CIB Bank subsidiaries and ownership
Company hierarchySubsidiaries4 records
CIB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CIB Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CIB Bank
What does CIB Bank do?
CIB Bank is a Hungarian commercial bank that delivers retail, SME, corporate, and municipal banking products including current accounts (ECO family), debit and credit cards, personal and home loans (including subsidized and green variants), investment funds via Eurizon, insurance, leasing, and 24/7 telephone banking. Services are accessed through an award-winning mobile app, online banking platforms, 58 physical branches, an ATM network, and the CIB24 call center, serving more than 450,000 customers.
Is CIB Bank a public or private company?
CIB Bank is a private company. It is classified as corporate owned and is currently operating.
When was CIB Bank founded?
CIB Bank was founded in 1979. It employs 1,001 to 5,000 people.
Where is CIB Bank based?
CIB Bank is headquartered in Budapest, Hungary, in the Europe region.
How does CIB Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are commission and Fee Income and investment Products Distribution.
Does CIB Bank have an API?
Yes. CIB PSD2 API enables third-party providers to access account information and initiate payments in compliance with EU Payment Services Directive 2 requirements. Developer documentation is at www.cib.hu/Maganszemelyek/psd2_api.html.
What industry is CIB Bank in?
CIB Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABAAAC, Credit Cards & Revolving Credit, with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 5221 and its SIC code is 6021.