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Overdraft and credit card during the moratorium

On this page, you can find the most important information about how overdraft and credit card products are affected by the repayment moratorium.

Information for credit card customers

The moratorium on loan repayment is applicable to credit cards as well, but only to the amounts borrowed and interest accrued before 18 March 2020, midnight. The Bank will not collect interest and fees with respect to these amounts before 31 December 2020; these interests and fees will be applied after the moratorium ends.

The credit holiday does not apply to:

  • credit not used before 18 March, midnight, and
  • any amounts borrowed after 18 March, midnight.

For customers included under the moratorium who were charged a late fee after 19 March 2020, the amount charged has been credited back to their accounts retrospectively on the 7 April 2020 and their credit card has been re-enabled for transactions. 

As communicated earlier, the monthly anniversary dates specified in the contract have been modified as follows:

Contractual monthly anniversary date

New monthly anniversary date

2020.04.05 2020.04.14
2020.04.10 2020.04.15
2020.04.15 2020.04.16

Please note that this was a one-time change only, monthly anniversary dates were set as usual from the next month (May 2020).

In the case of credit cards, the amounts covered by the moratorium (i.e. the debt outstanding at 18 Marc 2020, midnight) have been booked to separate subaccounts, and the credit available to you has been reduced by the same amount.

How the subaccounts for recording the debt covered by the moratorium work:

  1. One subaccount holds the principal owed, which continues to accrue interest in this subaccount. Interest is accrued at the monthly interest rate2 for credit specified in the terms and conditions applicable to the product concerned. 
  2. The other subaccount holds the interest owned, which will not continue to accrue interest. 
  3. A third subaccount holds the funds you paid to your credit card account in the period between the moratorium becoming effective (19 March 2020) and the segregation of amounts to the subaccounts (see table below). This amount, too, is covered by the moratorium, but is not part of the principal owed; rather, the principal is reduced by this amount. This amount does not accrue interest during the moratorium. Additionally, having been a payment, it is shown as part of the available balance in the credit card account. 

In your credit card statements generated on your monthly anniversary dates, the amounts booked are shown as transfers made on one of the above dates, depending on your contractual monthly anniversary date, with the following details provided:

  • The amount of the transfer
  • Payment moratorium, 18.03.2020
  • Account number of subaccount created to hold principal owed

To keep track of your balances, you can ask for information at the CIB24 customer service hotline at (+36 1) 4 242 242 or at a branch office.
Book transfer to these subaccounts has been performed on the following dates, and the corresponding dates were indicated in your statement:

Contractual monthly anniversary date

Date of book transfer to subaccount:

2020.04.05. 2020.04.14.
2020.04.10. 2020.04.15.
2020.04.15. 2020.04.16.
2020.04.20. 2020.04.20.
2020.04.25. 2020.04.21.
2020.04.30. 2020.04.22.

If you submitted a waiver of the moratorium before the day for transferring your debt to the special-purpose account described above, you were not included under the moratorium in the first place.

If you are included in the moratorium, however, and you do not submit a waiver before the end of the moratorium period, i.e. 31 December 2020, then the balance of the secondary accounts will be automatically charged to your credit card (or shopping card) account after the moratorium ends. From that date onward, you will have payment obligations in the same way as in the period before the moratorium. When the moratorium expires, your original credit line will be restored, and the principal and interest debt deducted during the moratorium will be shown as debt in your credit card account. The monthly card management fee will be charged to your credit card account at this time, and on your monthly anniversary date we will charge the interest accrued during the moratorium in one lump sum to your available balance. Scroll down for details about these charges, which are available under the “What happens if I opt-out of the moratorium?” section.  

What will be the interest rate on the principal during the moratorium period?

Interest on the principal owed will accrue at the monthly interest rate applicable to the type of card in question, which you can find in the relevant terms and conditions2

If you would not like to be included in the moratorium, you can waive it:

Declaration on your intention to be excluded from the moratorium:

  • If you have the CIB Bank mobile application or can access CIB Bank Online or CIB Internet Bank, please click here to indicate that you wish to make a payment.
    • If you already submitted a waiver concerning your personal loan, a loan secured by real estate or a leasing arrangement, it will not be displayed on the web page for submitting waivers. It is recorded in our systems, however, and therefore you only need to make a statement about any products that were not included in any of your previous statements.
  • If you do not have the means to contact the bank electronically, you can make your statement via the CIB24 call centre by calling (+36 1) 4 242 242.
  • If you opt out of the moratorium, the amounts that were book transferred to the subaccounts will be charged back to your credit card (or shopping card) account without the need for any action on your part.
  • If you have more than one credit account, you need to opt out individually for each of them using one of the methods described above.
  • Your credit line will be restored to its original amount at 5 pm on the business day after you made your statement, as the amount covered by the moratorium will be shown in your credit card account

Leaving moratorium coverage by partial or full prepayment:

  • You have the option to prepay your debt segregated under the moratorium in part or even in full. Prepayment needs to be made by cash payment to the segregated account or by transferring funds from an account with the Bank or elsewhere. For technical reasons, you cannot perform an inter-account transfer for this purpose.
  • As noted above, you can find the account number of the subaccount created to hold the principal owed in your statement for April. 
  • If you repay your debt in full, you leave moratorium coverage. If the amount of repayment is smaller than the full amount of your debt, however, then your debt is repaid in part only and the remaining portion continues to be covered by the moratorium. 


The amount you repaid will be credited immediately and will be shown as part of the available balance of your credit card account. 

If you make an opt-out declaration and/or repay the full amount owed, you choose to be excluded from the moratorium for the credit card product. If you decide later, that you want to benefit from the moratorium, you will have the opportunity to make a declaration. We will inform you on the further details later. Thank you for your patience.

Should I waive the moratorium?

If your financial situation permits and you are in a position to do so, it is worth waiving the protection because you accrue interest on the principal covered by the moratorium on an ongoing basis. As a result, you may incur high interest obligations by the end of the moratorium period (31 December 2020), which you will need to prepay after the moratorium ends.

Mi történik, ha kilépek a moratórium hatálya alól?

  • A nyilatkozattételét követő munkanapon 17 órakor kiléptetjük a moratórium alól.
  • A kiléptetéskor visszanyeri eredeti hitelkeretét: a külön alszámlákra átvezetett moratórium hatálya alá eső tőketartozás, az elhatárolt tőkeösszeg és a kamattartozás megjelenik a hitelkártyaszámláján, mint tartozás.
  • Az elhatárolt tőkeösszeget Ön egyszer már befizette, de mi moratórium hatálya alá tartozónak tekintettük a pontos kamatszámítás miatt, és a hitelkártyaszámláján jóváírtuk úgy, mint egy túlfizetést.
  • A kiléptetéskor beterheljük a 250 Ft havi zárlati díjat az elérhető egyenlege terhére. Hitelkerettúllépés is előfordulhat ebben az esetben.
  • Ha a kerettúllépés mértéke maximum 250 Ft, akkor a kerettúllépés díját visszaadjuk másnap.

A moratórium alatt felhalmozott kamattartozás egy összegben kerül beterhelésre a kilépésről szóló nyilatkozat megtételét követő első fordulónapján, az akkor elérhető egyenleg terhére érvényesítjük.  

Amennyiben az Ön elérhető egyenlege kevesebb, mint a beterhelt összeg, visszaadjuk a hitelkeret túllépésének díját.

Kilépés előtörlesztéssel vagy teljes törlesztéssel

  • Arra is lehetősége van, hogy a moratórium miatt elkülönített tartozását részlegesen vagy akár teljes mértékben előtörlessze. Az előtörlesztést az elkülönített számlára történő pénztári befizetéssel, vagy bankon belüli vagy más bankból indított átutalással kell teljesíteni. A saját számlák közötti átvezetés technikai okból nem lehetséges ebben az esetben.
  • Ahogy fentebb írtuk, a tőketartozásra megnyílt alszámla számlaszámát az áprilisi kivonatán találhatja meg. 
  • A teljes tartozás megfizetése esetében Ön kilép a moratórium alól, viszont ha a törlesztés összege kisebb, mint a tartozás teljes összege, akkor a tartozás egy része kerül rendezésre, a fennmaradó rész továbbra is a moratórium hatálya alá tartozik. 

A törlesztett összeg azonnal könyvelésre kerül és a hitelkártyaszámlán elérhető egyenlegként jelenik meg. 

Ha Ön  nyilatkozik a kilépésről és/vagy kifizeti teljes tartozását, azzal a hitelkártyájára vonatkozóan kilép a moratóriumból. Ha később úgy dönt, hogy szeretne visszalépni a moratóriumba, lesz lehetősége erről nyilatkozni, a részletekkel kapcsolatban később tudunk tájékoztatást nyújtani. Türelmét addig is köszönjük!

Érdemes kilépnem a moratóriumból?

Amennyiben anyagi helyzete megengedi, és erre lehetősége van, érdemes kilépni, mivel a moratórium hatálya alá tartozó tőketartozás folyamatosan kamatozik, a moratórium végére (2020. december 31. napjára)  magas kamatösszeg gyűlhet össze, melyeket a moratórium lejárta után meg kell fizetnie. 

Mit kell tennem, ha mégis élni szeretnék a moratóriummal?

Visszalépési szándékát CIB24 telefonos ügyfélszolgálatunkon a (+36 1) 4 242 242 számon jelezheti. Visszalépési nyilatkozat megtételére a honlapunkon és a bankfiókjainkban nincs lehetőség.

Amennyiben Ön jelzi felénk visszalépési szándékát, bankunk 3 munkanapon belül megvizsgálja, hogy jogosult-e a visszalépésre, és ha igen, akkor mekkora összegű tartozás kerülhet vissza a moratórium hatálya alá. Visszakerüléskor kizárólag tőketartozást és/vagy kamattartozást fogunk érvényesíteni, a tőketartozás a fentebb említett módon fog kamatozni.

Ha Ön a moratóriumból való kilépést követően, de még a visszalépési nyilatkozatának megtétele előtt a hitelkártyaszámláján az összes fennálló tartozását megfizette, a visszalépési szándékát elutasíthatjuk, erről minden esetben értesíteni fogjuk. 

Our personal loan is available again

Our personal loan is available again

We inform our clients that our personal loan now complies with the Government Decree and is available again. Click for details!

Relevant legal information

1Government Decree no. 47/2020 of 18 March 2020 on the immediate actions necessary to mitigate the effects of the coronavirus pandemic on the national economy, and Government Decree no. 62/2020 of 24 March 2020 on the detailed rules of the payment moratorium imposed by Government Decree no. 47/2020 of 18 March 2020 – that has been repealed upon cessation of the emergency - on the immediate actions necessary to mitigate the effects of the coronavirus pandemic on the national economy, and the Act LVIII of 2020 on transitional emergency rules and epidemiological preparedness established in accordance with it.  

2In the moratorium period, interest on the segregated principal may accrue at a rate between 29.64% and 34.8%, depending on the type of credit card you have. The relevant interest rates and fees are specified in the Terms and Conditions for CIB Leasing Credit Cards, CIB-Generali Credit Cards, ‘Aranykor’ Credit Cards for Private Individuals and CIB Optimum Credit Cards for Private Individuals, as well as in the Terms and Conditions for CIB Shopping Cards for Resident Private Individuals.

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