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Declaration options

On this page you will find the options for declaration-making for the payment deferral valid during the period between 1 November 2021 and 30 June 2022.

The expiration of the moratorium is extended

Please be informed that the Government of Hungary will extend the moratorium on loans until 30 June 2022 on a means-tested basis. 

If your contract was in a payment moratorium on 30 September 2021, you could be entitled to an extended payment moratorium from 1 November 2021 available to certain priority social groups, provided you have declared your intention to maintain the payment moratorium between 1 October and 31 October 2021.

In the case of contracts where no declarations were made, the moratorium ended on 31 October 2021. Therefore, in these cases, repayments must continue.

You can make the following declaration in relation to the moratorium available between 1 November 2021 and 30 June 2022:

-    If you entered the moratorium available between 1 November 2021 and 30 June 2022, you may opt out of it at any time, via another declaration. Please note that your declaration of opting out of the moratorium is final and you cannot re-enter the moratorium in this case.

Guide to entering the information requested when applying online

If you have a CIB Bank Mobile Application:

•    Please open the #withKEY function in the lower right corner on the home screen of the CIB Bank Mobile Application!
•    Enter your PIN code consisting of at least 5 but not more than 10 digits or biometric identifier used to log in to the mobile application and to approve transactions.
•    Enter your customer ID and #withKEYpassword displayed on the mic.cib.hu/moratorium page.

If you have a CIB Hard Token:

•    You can access the interface by entering your username (typically the middle 8 digits of your GIRO account number or the user ID on the CIB Internet-based electronic services request form) and your password generated by your CIB Hard Token device. 
•    Enter the token PIN code, then generate a login password using button 1.

As a retail customer, what should I do if my credit/loan is currently subject to the moratorium, but I would like to opt out?

Our retail customers who use the CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can also make an opt-out statement online in connection with their personal loan, mortgage loan, overdraft facility and credit card: 

o    Declare online!  (The web page does not work with Internet Explorer, unfortunately. Please use Google Chrome, Edge or Firefox.)

If you do not have an electronic channel, you can make a declaration via our CIB24 customer service call centre calling (+36 1) 4 242 242 by following the operator’s instructions.

Configuration can take up to 3 working days. Please be advised that once you have opted out of the moratorium, you will not be able to re-enter.   

As a small-business customer, what should I do if my credit/loan is currently subject to the moratorium, but I would like to opt out?

Our small-business customers with independent rights of disposal (including sole traders and smallholders) who use CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can make an opt-out statement online at

•    Declare online!  (The web page does not work with Internet Explorer, unfortunately. Please use Google Chrome, Edge or Firefox.)

If you do not have an electronic channel, please download the declaration of opting out for small-business customers from the related documents at the bottom of the page, and once completed, send it to the kisvallalkozasok_moratorium@cib.hu e-mail address.

If the company has a person authorised to sign on behalf of the company individually, they can declare their intent to pay via the CIB24 call centre by calling (+36 1) 4 242 242, by following the operator’s instructions.

Configuration can take up to 3 working days. Please be advised that once you have opted out of the moratorium, you will not be able to re-enter.   

As a corporate customer, what should I do if my credit/loan is currently subject to the moratorium, but I would like to opt out?

You may also opt out of the moratorium in the case of a corporate loan. In this case, please download the declaration of opting out for corporate customers from the related documents at the bottom of the page, and once completed, send it to the moratorium.vallalat@cib.hu e-mail address.

Configuration can take up to 3 working days. Please be advised that once you have opted out of the moratorium, you will not be able to re-enter.   

Legal information

A private person governed by Act CVII of 2020, except for smallholders and sole traders.

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