Széchenyi Card overdraft facility


Dear Client,

Please be informed that the Government Decree no. 47/2020 (III.18.), effective as of 19 March 2020, brought about significant changes in the repayment of existing loans and the pricing of certain new ones. The detailed regulations of the loan moratorium is regulated by the Government Decree no. 62/2020 (III.24.), effective as of 25 March 2020.

Nonetheless, we immediately commenced work to comply with the new government decree (as well as subsequently necessary and expected legislation) for both the relevant loans and repayments. We are currently working on this, and we would like to ask for your patience until we develop and introduce the new terms and conditions complying with the new regulations.

We will notify our clients about the details of the repayment moratorium, essential information and what they need to do on this page which we keep constantly updated.


UniCredit Bank Hungary Zrt.


A Széchenyi Card, i.e. a Széchenyi overdraft, may be requested by any micro, small and medium-sized enterprise1 that

  • has at least one complete and closed year (if the requested loan is higher than HUF 25 million, then at least two closed years),
  • has no overdue public debts,
  • and complies with the requirements of the Business Regulations on Széchenyi Card Program.

Why is a Széchenyi Card advantageous for your business?

Do you need more information? Then click the button below and we will contact you.

What are the main features of the Széchenyi Card?
How can you apply for a Széchenyi Card?
What else might you need to manage the finances of your business?
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This information does not constitute a contractual offer.
The detailed conditions are included in the Bank's currently effective 'List of Conditions of the Széchenyi Program for Small Business Clients’. The other terms are specified in the individual contracts and in the Bank's General Terms of Business. The Bank reserves the right to unilaterally amend the conditions and to grant a loan based on application subject to its own approval process.


1 Sole entrepreneurs, single person companies, business associations and cooperatives, as defined in the Act on small and medium enterprises (currently Act XXXIV of 2004) can take part in the Széchenyi Card program.

2 Read the Business Regulations on the Széchenyi Card program to find out more on the collateral requirements for the loan.

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