This is how business bank account fees may change in 2026

By: Trademagazin Date: 2025. 12. 05. 11:35

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While banks have voluntarily agreed to a moratorium on the increase in fees for retail bank accounts until June 30, 2026 – following government intervention – there is no mitigating effect for entrepreneurs. Since this year’s inflation, based on the average of the first 10 months of the year, may be around 4-5 percent in 2025, according to BiztosDöntés.hu calculations, entrepreneurs may face a fee increase of this magnitude next spring. However, the Hungarian neobank, BinX, has already taken action, so the question is how much it will be able to maintain its price advantage over banking service providers.

There is no prohibition on raising fees for entrepreneurs’ bank accounts, so domestic traders and service providers were already able to pay the increased financial transaction fee, the new additional financial transaction fee imposed on foreign exchange and the inflation fee increase this year after last year’s increase.

The fee-free limit for the first 50,000 forints per transaction, which all banks now pass on to the public, does not apply to entrepreneurs either. However, entrepreneurs were still given the opportunity to pass on the additional burden caused by the ever-increasing bank costs to the public and the business sector.

The first service provider to raise fees in 2026 is here

“Banks will soon start announcing their 2026 fee increases, which they have the option to do every year up to the rate of inflation. This includes any previously unvalidated rate,” points out Péter Gergely, financial expert at BiztosDöntés.hu. However, the first payment service provider to have already announced next year’s fee increase is the first Hungarian neobank, BinX. With its fees, the service provider shows how favorable banking for entrepreneurs could be (or would be) if there were no financial transaction fee in payment fees.

BinX introduces a percentage transfer fee

BinX Zrt. has decided to change its fees. This means that the current fixed transfer fees will be percentage-based in the future, but they will still remain much more favorable than the fees for bank accounts offered by domestic banks for entrepreneurs. True, this step will reduce the disadvantage of banks against BinX.

The already closed, most favorable Early Bird package will be terminated on January 31, 2026 for existing customers who do not bring at least two new customers to the bank by January 15, 2026.

In the BinX-S package, the domestic transfer fee per transaction, valid up to 4,999,999 forints, will change from 399 forints to 0.25 percent, with a maximum of 10,000 forints.

In the BinX-M package, the domestic transfer fee per transaction, valid up to 4,999,999 forints, will change from 299 forints to 0.2 percent, with a maximum of 10,000 forints. In the BinX-L package, the domestic transfer fee per transaction, valid up to 4,999,999 forints, will change from 199 forints to 0.15 percent, with a maximum of 10,000 forints. The monthly fee for account management does not change in any of the packages, i.e. it remains free (S package), 2,990 forints (M package) and 9,990 forints (L package).

As you can see, domestic transfer fees themselves are cheaper than the financial transaction fee, which is 0.45 percent, up to a maximum of 20,000 forints per transaction. BinX pays this amount to the Hungarian state treasury for each domestic transfer, regardless of the fee it charges its customers.

Important information is that sending money within BinX will remain completely free of charge. This means that all BinX businesses can continue to transfer money between each other free of charge.