K&H: one of the most important documents of the “financial lesson” arrives

By: Trademagazin Date: 2026. 01. 29. 10:52

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In January, banks send their customers a unified fee statement. Although its name sounds official and complicated at first, it is actually a simple summary of how much the services related to the bank account cost them in the past year. This can be a good opportunity for parents to discuss with their children: why we pay the bank, which service is good for what.

Everyone receives a very important letter from their bank by the end of January. It is the unified fee statement, which is an annual summary that shows the most important fees related to the bank account, the number of transactions and the total annual cost. The statement shows the items in a clear breakdown: the costs related to account management, the fees and numbers of transactions (such as transfers, cash withdrawals, group direct debits, standing orders), the bank card-related fees, the netbank and SMS fees, the fees related to the overdraft (if any), and the fees for other services used are shown separately. In the end, it all comes together into one big picture: the statement summarizes the client’s total annual costs and typically also indicates any (interest) income. It is particularly useful for many that the fee statement is usually available in electronic form on the account manager’s internet banking interface, so it can be retrieved and reviewed at any time – K&H announced.

Financial lesson

This document is not only informative for parents, but can also be the basis for a tangible “financial lesson” for children at home. It is worth reviewing with your child what you spent on when banking and what you got in return. For example, a bank card, which makes everyday payments easier, or a transfer, which can be used to quickly settle bills and regular expenses. At the same time, the statement may also reveal where you can make more conscious decisions and only use the most appropriate, frequently used services and transactions. In light of this, it may be worth considering changing account packages.

Among the items on the fee statement, there are several that children can easily understand and quickly see the logic behind them. For example, bank card fees: not all cards are the same, and there may be differences in the fees of each card type, as well as in the services they provide. Messaging fees, such as transactional SMS or other notifications, can be equally instructive, and it is worth considering what is really needed. The transaction lines clearly show the number and fees of transfers, group collections or cash withdrawals, which can help you rethink your everyday money habits. And if you have an overdraft, its costs are particularly clear that “going into the red” has a price and that financial decisions can have consequences.

It can be easy, it can be fun

Not only conversations at home play a role in developing financial awareness. As part of the K&H Vigyázz, szét, pénz! financial competition, K&H has been offering students a playful yet serious challenge for over a decade and a half, which is also accompanied by preparatory learning materials. The program helps young people to navigate everyday finances more confidently and make more conscious decisions through practical examples and understandable explanations.

The first round of this year’s contest will close on January 30, 2026, and the four-stage competition will enter a new phase in mid-February, culminating in the finals to be held in early June.