BinX

What BinX does

BinX Zrt. is a Hungarian electronic money issuer and SME-focused neobank headquartered in Budapest, operating under the brand BinX with 51–100 employees. The company provides a digital business account, mobile and web applications, debit card products (BinX Business Premium Card and a co-branded Számlázz.hu Premium Card), and automated invoice payment functionality. Its core value proposition is a fee-advantaged transaction pricing model: BinX does not pass the 0.45% Hungarian transaction levy (capped at 20,000 HUF per transfer) to customers and offers transparent flat-rate transfer fees, which customer testimonials describe as reducing bank costs by up to 90% versus traditional banks.

The platform is built on a cloud-based architecture with open banking connectivity and a deep integration with Számlázz.hu, Hungary's dominant invoicing platform, enabling one-click settlement of incoming transfer invoices. The product-led growth motion is self-serve, with online account opening in minutes, in-app and email support, and no dedicated sales force for the SME segment. Marketing is digital-first (Facebook, LinkedIn, YouTube, TikTok) supplemented by an accountant partner referral program and content marketing. A specialized BinX Start Csomag targets newly established businesses and tax-exempt sole proprietors as a secondary segment.

In March 2026, the Hungarian government backed BinX with a 3.6 billion HUF grant to build an AI-supported, cloud-based financial services platform intended to support domestic and international expansion beyond the current Hungary-only footprint. The company serves more than 11,000 Hungarian business customers and reports that these customers collectively saved nearly 2 billion HUF over a one-year period. BinX has won multiple 2024 fintech awards including Most Promising Fintech Solution of the Year (FinTechShow) and Fintech Collaboration of the Year (FinTech Awards) for the Számlázz.hu integration. No revenue figures, founding date, or private VC ownership details are disclosed in the available source material.

Name

BinX

Legal name

BinX Zrt.

Website

https://binx.hu

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

BinX is a Hungarian electronic money issuer and neobank serving 11,000+ SMEs with a digital business account, debit cards, and automated invoice payment, monetizing via 0.45% transaction fees and exempting customers from the national transaction levy.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK)

Keywords

• Neobank services
• Business banking
• Electronic money issuance
• Payment cards
• Invoice automation

Headquarters

HQ city

Budapest

HQ country

Hungary

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Transaction Fees: Binx charges transaction fees on money transfers. The company does not pass on the 0.45% transaction tax to customers, offering cost savings compared to traditional banks.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

BinX is a Hungarian electronic money issuer that provides a business current account with low-cost money transfers, premium and co-branded business debit cards, and a mobile and web application for digital money management. The platform differentiates itself by not passing on the 0.45% Hungarian transaction levy to customers and by offering automated invoice payment through its Számlázz.hu integration. It targets Hungarian SMEs, sole proprietors, and newly established companies as a digital-only alternative to traditional banks.

Product overview

BinX is a Hungarian neobank (BinX Zrt.) providing digital banking services exclusively for businesses and entrepreneurs. The core product is the BinX Vállalkozói Számla (Business Account), a cloud-based business banking platform accessible via mobile and web applications. The product portfolio includes two card variants—BinX Business Premium Kártya and Számlázz.hu Premium Kártya—the latter co-branded with the Számlázz.hu accounting platform. The BinX Start Csomag targets newly formed businesses and tax-exempt sole proprietors. Key differentiators include: zero transaction levy pass-through (0.45% per transfer, capped at 20,000 HUF), fixed low transfer fees, automated invoice payment via Számlázz.hu integration, transparent flat-rate pricing, and 24/7 in-app customer support. The platform positions itself as an alternative to traditional banking for SMEs, claiming businesses have saved nearly 2 billion HUF collectively in one year. A government-supported 3.6 billion HUF AI development initiative was announced in March 2026 for future advanced financial services.

Differentiator

Problem solved

Functional benefit

Products and services

• BinX Vállalkozói Számla (Business Account) Primary business current account offered to Hungarian SMEs and entrepreneurs, featuring low-cost money transfers, transparent fixed pricing, and competitive transfer fees. Targets Hungarian SMEs and entrepreneurs with a regulated electronic money account under BinX Zrt.
• BinX Mobil- és Webalkalmazás (Mobile and Web App) User-friendly digital banking application providing financial management on mobile and web, with an easy money-handling interface, transaction dashboard, and 24/7 customer support via in-app chat and email. Aimed at BinX business account holders.
• BinX Business Premium Kártya Premium business debit card offered to BinX account holders with a competitive fee structure and premium card benefits. Designed for business banking customers seeking an enhanced card experience.
• Számlázz.hu Premium Kártya Co-branded premium debit card issued in partnership with the Számlázz.hu billing platform, integrated with invoice management and payment features. Targeted at Hungarian businesses using Számlázz.hu for invoicing.
• BinX Start Csomag Specialized starter account package for newly established Hungarian businesses and tax-exempt sole proprietors (Alanyi adómentes vállalkozók), offering limited-time promotional extras and favorable terms for startup companies.
• BinX Számlakifizetés (Invoice Payment) Automated invoice payment feature enabling one-click settlement of incoming transfer invoices directly from the BinX platform, eliminating the need to fill out manual transfer orders. Available with the Számlázz.hu #profi pricing package.

Quantifiable outcome

• Over 11,000 businesses saved approximately 2 billion Ft combined in one year
• +2 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• Számlázz.hucoreTechnology or IntegrationDeep integration between BinX and Számlázz.hu enables automated invoice payment directly from the BinX platform, eliminating manual administrative work. The integration won the 'Fintech Collaboration of the Year' award in 2024.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@BinXhu
• Facebookfacebook.com/BinXneobank
• LinkedInlinkedin.com/company/binx-hu
• TikToktiktok.com/@binx_neobank

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BinX