MKB Bank
MBH Bank Nyrt. (formerly MKB Bank) is Hungary's third-largest commercial bank, formed through the 2023 merger of MKB Bank, Takarékbank, and Budapest Bank's corporate portfolio, serving retail, corporate, SME, agricultural, municipal, and private banking customers nationwide through branches, ATMs, and digital channels.
- Company typePublic
- Founded2023
- HeadquartersBudapest, Hungary
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What MKB Bank does
MKB Bank, now operating as MBH Bank Nyrt., is Hungary's third-largest commercial bank formed through the consolidation of MKB Bank, Takarékbank, and Budapest Bank's corporate portfolio under the Magyar Bankholding group. The bank was established on May 1, 2023, following the April 2023 merger of MKB Bank and Takarékbank, with Budapest Bank corporate customers migrated to the unified MBH IT system in September-October 2023. MBH Bank operates as a publicly listed Hungarian public limited company (Nyrt.) headquartered at Váci u. 38, Budapest, with 1,001-5,000 employees serving customers across a nationwide branch and ATM network with over 90% accessibility for customers with disabilities.
The bank provides a comprehensive suite of retail and corporate banking products through multiple channels: physical branches, ATMs, MBH Netbank (online banking with legacy profile variants for former MKB/BB/Takarék customers), MBH Bank App (mobile banking with biometric authentication, Apple Pay/Google Pay integration), MBH Videobank (live video consultation), and Telebank (24/7 phone support). Core products include mortgage and personal loans (including government-subsidized Otthon Start at 3% fixed and Babaváró family loans), deposit accounts with promotional rates up to 7.25%, debit and credit cards (Mastercard/VISA), investment products via MBH Befektetési Bank subsidiary, insurance distribution, and SZÉP Card cafeteria benefits. The bank serves eight distinct customer segments: retail, corporate, SME, agricultural, municipal, church, investment, and private banking/premium clients.
Revenue is generated through interest income on lending products, fee and commission income on accounts and transactions, investment product distribution, insurance distribution (bancassurance), and SZÉP Card management services. GTM motion combines enterprise field sales for corporate clients with direct-to-consumer acquisition through online account opening (offering up to 60,000 Ft credit and 120,000 Ft Tripla package refunds), digital onboarding, and competitive deposit rate promotions. Marketing channels span the mbhbank.hu website, Monitor financial insights blog, Bónusz Podcast, and social media presence on Facebook, LinkedIn, and YouTube.
MKB Bank firmographics
Firmographics- Name
- MKB Bank
- Legal name
- MBH Bank Nyrt.
- Website
- https://mkb.hu
- Company type
- Public
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- MBH Bank Nyrt. (formerly MKB Bank) is Hungary's third-largest commercial bank, formed through the 2023 merger of MKB Bank, Takarékbank, and Budapest Bank's corporate portfolio, serving retail, corporate, SME, agricultural, municipal, and private banking customers nationwide through branches, ATMs, and digital channels.
- Ownership category
- akta.pro rank
Where MKB Bank is headquartered
LocationHeadquarters
- HQ city
- Budapest
- HQ country
- Hungary
- HQ region
- Europe
Offices1 record
Markets served
MKB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest-bearing products including home loans (MBH Otthon Start at 3% fixed), personal loans, consumer credit, and business lending
- Fee and Commission Income: Account maintenance fees, transaction fees (domestic and international transfers including SEPA), card fees, and service charges across retail and corporate banking
- Investment Products Distribution: Distribution of investment funds, government securities, mortgage bonds, and wealth management products through MBH Befektetési Bank
- Insurance Distribution: Bancassurance offering including travel insurance, life and pension insurance, home insurance, and credit protection insurance
- SZÉP Card Services: Employer benefit card program management for catering, recreation, and cultural allowances
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | MBH Fix Nulla account package with MBH Tripla offering up to 120,000 Ft refund |
| Other | Pay-as-you-go | MBH Akciós 3 hónapos betét - 7.25% annual interest (EBKM: 7.25%/7.35%) |
| Other | Monthly | MBH Otthon Start Lakáshitel - Fixed 3% annual interest rate |
| Subscription | Monthly | MBH Minősített Fogyasztóbarát Személyi Hitel - Consumer credit |
| Other | One time/ perpetual license | Online account opening with 60,000 Ft credit bonus |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels6 records
MKB Bank product offering
Product offeringCore offering
MKB Bank (now operating as MBH Bank Nyrt.) is a Hungarian commercial bank offering retail and corporate banking products and services. It provides deposit accounts, mortgage and personal loans, credit and debit cards, investment products, insurance distribution, and SZÉP Card cafeteria benefits, distributed through a nationwide branch and ATM network, online and mobile banking platforms, video banking, and 24/7 telephone support.
Product overview
MBH Bank operates as a multi-channel banking platform offering digital banking services through multiple branded interfaces for different legacy customer bases (former MKB Bank, Budapest Bank, and Takarékbank). The core digital platforms include MBH Netbank (online banking with retail, corporate, and legacy variants), MBH Bank App (mobile banking with profile-based access), MBH Direct Bank (corporate desktop application), and MBH Vállalati Netbank/App (corporate digital channels). Supporting services include MBH Info (transaction notifications via SMS/push), MBH Videobank (video-assisted banking), and Telebank (24/7 telephone support). The bank provides a comprehensive retail and corporate product suite including deposit accounts, mortgage and personal loans (Lakáshitel, Személyi Kölcsön, Áruhitel, Babaváró, Munkáshitel), credit cards, debit cards (with Apple Pay/Google Pay integration), SZÉP Card cafeteria benefits, investment services, and insurance products. The MBH OpenAPI enables external integration capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- MBH Netbank: Online banking platform for retail and corporate customers
- MBH Bank App
- MBH Direct Bank
- MBH Vállalati Netbank
- MBH Vállalati App
- MBH Videobank
- MBH Info
- MBH Szép Kártya
- MBH Otthon Start Lakáshitel
- MBH Akciós 3 hónapos betét
Products and services
- MBH Netbank Online banking platform providing account management, transfers, and transaction management for retail and corporate customers, available in legacy variants (formerly MKB, BB, Takarék).
- MBH Bank App Mobile banking application for retail customers supporting biometric authentication, push notifications, card management, and digital wallet integration with Apple Pay and Google Pay.
- MBH Számlacsomagok
Companies that use MKB Bank
Customer profileSegments8 records
Ideal customer profiles3 records
MKB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature6 records
MKB Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves7 records
Expansion highlights6 records
MKB Bank competitors and assessment
Company assessmentDirect peers
- OTP Bank: Hungary's largest commercial bank, offering a directly comparable full retail, corporate, SME, and investment banking product suite across Hungary and Central Europe. Most direct competitor to MBH Bank in the same market with overlapping products and customer segments.
- K&H Bank: Hungarian subsidiary of KBC Group providing retail, corporate, and investment banking services domestically. Directly competes with MBH Bank across retail accounts, mortgages, personal loans, and corporate banking.
- Erste Bank Hungary: Hungarian subsidiary of Erste Group, one of the leading retail and corporate banks in Hungary. Comparable full-service banking offering and similar nationwide distribution to MBH Bank.
- UniCredit Hungary: Hungarian subsidiary of UniCredit Group offering retail, corporate, and private banking. Competes with MBH Bank for corporate clients, mortgages, and consumer credit in Hungary.
- CIB Bank: Hungarian subsidiary of Intesa Sanpaolo providing retail, corporate, and private banking services. Direct overlap with MBH Bank's product portfolio across accounts, loans, and digital banking.
- MagNet Bank: Hungarian community-focused commercial bank offering retail and SME banking products. Smaller-scale but directly comparable domestic commercial banking competitor to MBH Bank.
- Raiffeisen Bank Hungary: Hungarian subsidiary of Raiffeisen Bank International, providing retail, corporate, and investment banking products. Direct competitor to MBH Bank in the Hungarian retail and SME segments.
Emerging players
- Gránit Bank: Hungarian digital-first commercial bank competing on mobile-led retail banking and account opening. Overlaps with MBH Bank's digital retail strategy but with a branch-light, app-centric model.
Regional players
- PKO Bank Polski: Poland's largest commercial bank, offering a comparable full-service retail, corporate, and mortgage product set in a neighboring Central European market. Useful regional benchmark for scale, NIM, and digital adoption even though it does not compete with MBH Bank domestically.
- Komercní banka: Major Czech commercial bank within the Société Générale group, serving retail, SME, and corporate clients with a similar universal banking model. Regional peer useful for Central European benchmarking though it operates in a different national market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
MKB Bank social profiles
Digital presenceMKB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
MKB Bank leadership team
Management profileNumber of profiles
Profiles1 record
MKB Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
MKB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MKB Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MKB Bank
What does MKB Bank do?
MKB Bank (now operating as MBH Bank Nyrt.) is a Hungarian commercial bank offering retail and corporate banking products and services. It provides deposit accounts, mortgage and personal loans, credit and debit cards, investment products, insurance distribution, and SZÉP Card cafeteria benefits, distributed through a nationwide branch and ATM network, online and mobile banking platforms, video banking, and 24/7 telephone support.
Is MKB Bank a public or private company?
MKB Bank is a public company. It is classified as public and is currently operating.
When was MKB Bank founded?
MKB Bank was founded in 2023. It employs 1,001 to 5,000 people.
Where is MKB Bank based?
MKB Bank is headquartered in Budapest, Hungary, in the Europe region.
How does MKB Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income, investment Products Distribution, insurance Distribution and SZÉP Card Services.
Who are MKB Bank's main competitors?
Direct peers on record are OTP Bank, K&H Bank, Erste Bank Hungary, UniCredit Hungary, CIB Bank, MagNet Bank and Raiffeisen Bank Hungary. Gránit Bank is listed as an emerging player. Regional players are PKO Bank Polski and Komercní banka.
Does MKB Bank have an API?
Yes. MBH OpenAPI (korábban BB) is a publicly referenced API service. The OpenAPI was mentioned in the context of scheduled maintenance notifications, indicating it is a live service used by external developers or partners. No further technical details (protocol, authentication, rate limits, versioning, sandbox) are provided in the available source material.