Polgari Bank
Polgári Bank Zrt. is a privately held Hungarian regional retail and SME bank, headquartered in Polgár with branches in Budapest, Sopron, and Körösszakál. It offered deposit accounts, mortgage and consumer loans, payment services, and safe deposit boxes; its entire customer portfolio is transferring to MagNet Bank on February 28, 2026.
- Company typePrivate
- Founded1992
- HeadquartersDebrecen, Hungary
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Polgari Bank does
Polgári Bank Zrt. is a privately held Hungarian regional bank founded in 1992, headquartered in Polgár with additional branches in Budapest, Sopron, and Körösszakál. It serves retail customers (magánszemélyek), sole proprietors, agricultural producers, and small and medium enterprises, offering deposit accounts in HUF and foreign currencies (EUR, GBP, USD, CHF, CZK, PLN), consumer and mortgage loans including Hungarian state-subsidized programs such as CSOK+, Babaváró, and Otthonteremtő Kamattámogatás, Lombard loans, overdraft facilities, bank cards, payment services, and safe deposit box rentals at the Budapest branch. Distribution combines a physical branch network with digital channels (NetBank internet banking, VideoBank video banking, and Telebank phone banking), with card-issuing infrastructure outsourced to MBH Bank Nyrt. and real-time payment processing via Hungary's Azonnali Fizetési Rendszer.
The bank earns revenue primarily through net interest income from lending and deposit taking, supplemented by transaction fees on domestic and international transfers, payment services, and rental income from safe deposit boxes. It publishes detailed fee schedules across eight retail account packages and offers market-rate and subsidized mortgage products. Polgári Bank operates under the supervision of the Hungarian National Bank and complies with FATCA, CRS, and GDPR requirements.
Effective February 28, 2026, Polgári Bank is transferring its entire loan, deposit, and payment-services portfolio to MagNet Bank Zrt. (MagNet Magyar Közösségi Bank) via an állományátruházás (portfolio transfer). A bankszünnap is observed February 27 – March 1, 2026; NetBank access ends February 26, 2026; and MagNet Bank's NetBank becomes the successor channel from March 2, 2026. All Polgári Bank customers become MagNet Bank customers, effectively ending Polgári Bank's role as a going-concern retail/SME lender.
Polgari Bank firmographics
Firmographics- Name
- Polgari Bank
- Legal name
- Polgári Bank Zrt.
- Website
- http://polgaribank.hu
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Polgári Bank Zrt. is a privately held Hungarian regional retail and SME bank, headquartered in Polgár with branches in Budapest, Sopron, and Körösszakál. It offered deposit accounts, mortgage and consumer loans, payment services, and safe deposit boxes; its entire customer portfolio is transferring to MagNet Bank on February 28, 2026.
- Ownership category
- akta.pro rank
Polgari Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where Polgari Bank is headquartered
LocationHeadquarters
- HQ city
- Debrecen
- HQ country
- Hungary
- HQ region
- Europe
Offices4 records
Markets served
Polgari Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Lending (Hitel/Kölcsön): Interest income from lending products including home loans (CSOK+, Otthonteremtő Kamattámogatás), personal loans, mortgage loans, business loans, and Lombard loans secured by financial assets. State-subsidized mortgage programs (Babaváró kölcsön, CSOK+) are also offered.
- Deposit Taking (Betétállomány): Interest expense liability from taking retail and business deposits. Core funding source for lending operations.
- Payment Services (Pénzforgalmi szolgáltatások): Transaction fees and charges from payment services including domestic transfers, international wire transfers, direct debits, and cash management services for retail and business customers.
- Safe Deposit Box Rental (Széfszolgáltatások): Rental income from safe deposit boxes offered at the Budapest branch. Customers choose their own insurance amount, with the bank taking full responsibility up to that limit.
- Card Services: Income from bank card issuing and related transaction fees. Card services are powered by partner MBH Bank.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Multiple retail account packages with varying fee levels and service inclusions |
| Subscription | Monthly | Foreign currency account management in EUR, GBP, USD, CHF, CZK, PLN |
| Subscription | Monthly | Home purchase and construction loans with state subsidy programs |
| Subscription | Monthly | Personal loans and overdraft facilities |
| Subscription | Monthly | Safe deposit box rental at Budapest branch |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Polgari Bank product offering
Product offeringCore offering
Polgári Bank Zrt. is a Hungarian regional commercial bank that provides retail and small-business banking services, including HUF and foreign-currency deposit accounts, personal and mortgage loans (including government-subsidized programs such as CSOK+ and Babaváró), payment services, bank cards (issued via partner MBH Bank), and safe-deposit-box rentals, distributed through a branch network and digital channels (NetBank, VideoBank, telephone banking).
Product overview
Polgari Bank is a Hungarian regional bank offering a comprehensive suite of retail and business banking services. The product portfolio centers on multiple account packages (Polgari Flotta Full Extra, Polgári "0 Ft-os", Full Extra, Gokart, Kombi, Smart, Smart-Komfort, and Alapszámla) with optional foreign currency accounts (CHF, EUR, GBP, USD). Remote banking is delivered through NetBank (online), VideoBank (video), and Telefonos Ügyfélszolgálat (phone). The bank also provides loan products including government-subsidized options (Babaváró, CSOK+), market-rate mortgage loans, personal loans, and secured lending. Card services are issued through MBH Bank, while safe deposit boxes are available at the Budapest branch. Notably, effective February 28, 2026, the bank's loan, deposit, and payment services will be transferred to MagNet Bank.
Differentiator
Problem solved
Functional benefit
Products and services
- NetBank (Internet Banking) Internet banking platform for retail and business customers to access accounts, perform domestic and international transfers, pay bills, and manage transactions online. Powered by Electra core banking platform.
Companies that use Polgari Bank
Customer profileSegments2 records
Ideal customer profiles2 records
Polgari Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Polgari Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- MagNet Bank Zrt.corePortfolio transfer arrangement where the entire Polgári Bank Zrt. loan/credit portfolio, deposit portfolio, and payment services framework agreement portfolio will be transferred to MagNet Bank Zrt. effective February 28, 2026. Bankszünnap (bank holiday) observed February 27 - March 1, 2026 for the transition. After the transfer, former Polgári Bank customers become MagNet Bank customers. MagNet Bank contact: 1062 Budapest, Andrássy út 98., +36-1-428-8888, [email protected].
- MBH Bank Nyrt.coreMBH Bank serves as the card issuer (Kártyakibocsátó) for Polgári Bank's bank cards. MBH Bank has conducted multiple system modernization programs resulting in periodic bankszünnapok affecting Polgári Bank's card services. MBH Bank maintains 0-24 customer service at 06 80 350 350 (domestic toll-free) and +36 1 373 33 99 (international).
Scale indicators1 record
Recent moves7 records
Expansion highlights4 records
Polgari Bank competitors and assessment
Company assessmentDirect peers
- MagNet Magyar Közösségi Bank Zrt. Hungarian community-focused bank that is acquiring Polgári Bank's entire customer portfolio effective Feb 28, 2026. Operates as a value-based, socially responsible Hungarian commercial bank serving retail and SME customers — the most direct functional peer and the entity absorbing Polgári's franchise.
- MBH Bank Nyrt. Hungarian universal bank (formerly MKB, Takarék, Budapest Bank merged) and Polgári Bank's card-issuing partner. Competes head-to-head with Polgári in retail and SME lending, deposits, and government-subsidized loan distribution across Hungary.
Broad incumbents
- K&H Bank (KBC):
- OTP Bank Nyrt. Largest Hungarian commercial bank with nationwide retail and SME franchise, dominant in mortgages, subsidized housing loans (CSOK+, Babaváró), and account packages. Sets the competitive benchmark Polgári Bank operates against in retail and SME banking.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks1 record
Key highlights6 records
Customer concentration
Polgari Bank compliance and trust
Trust signalCompliance3 records
Polgari Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Polgari Bank leadership team
Management profileNumber of profiles
Polgari Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Polgari 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 Polgari Bank
What does Polgari Bank do?
Polgári Bank Zrt. is a Hungarian regional commercial bank that provides retail and small-business banking services, including HUF and foreign-currency deposit accounts, personal and mortgage loans (including government-subsidized programs such as CSOK+ and Babaváró), payment services, bank cards (issued via partner MBH Bank), and safe-deposit-box rentals, distributed through a branch network and digital channels (NetBank, VideoBank, telephone banking).
Is Polgari Bank a public or private company?
Polgari Bank is a private company. It is classified as unknown and is currently operating.
When was Polgari Bank founded?
Polgari Bank was founded in 1992. It employs 11 to 50 people.
Where is Polgari Bank based?
Polgari Bank is headquartered in Debrecen, Hungary, in the Europe region.
How does Polgari Bank make money?
Five revenue lines are on record. Lending (Hitel/Kölcsön) is the primary driver. The others are deposit Taking (Betétállomány), payment Services (Pénzforgalmi szolgáltatások), safe Deposit Box Rental (Széfszolgáltatások) and card Services.
Who are Polgari Bank's main competitors?
Direct peers on record are MagNet Magyar Közösségi Bank Zrt. and MBH Bank Nyrt.. Broad incumbents are K&H Bank (KBC) and OTP Bank Nyrt..
Does Polgari Bank have an API?
No public API is recorded for Polgari Bank.
What industry is Polgari Bank in?
Polgari Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 522110 and its SIC code is 6022.