Conditions
[extract]
Tax credit
| Amount available for reclaim from personal income tax after payments | 20% | |
|
10% | |
| Interest tax, interest rate, transaction fee rate | 0% |
Since 2017, there can be a maximum of HUF 150,000 / year per fund member, ie instead of the previous HUF 500,000 deposit, You are able to make targeted deposits up to HUF 750,000 / year.
Fees related to Fund billings
| Account opening or entry fee | free of charge |
| Account management | free of charge |
| Online fund platform / online account information
Our members are exempted from the fee by sending an e-muniment |
free of charge
or one time HUF 5,000 |
| Account statement | Once a year free of charge |
| Out of the ordinary account statement at the customer’s request | HUF 800 |
| Account termination | HUF 4.000* |
*the fee is not charged if, at the time of termination, the account has a zero HUF balance
Fees related to cash flow
| Amount credited to an individual account from an individual payment or employer contribution | 94,1% |
| Amount available from support from a targeted fund service | 94,1%* |
| Transfer to a bank account | free of charge |
| Cash withdrawal/Postal voucher payment** | free of charge |
*The amount credited to the individual account from the grant may vary from company to company.
*Payments to a postal address under HUF 25,000 are not made by the Fund.
Card-related fees
| Fee of first card – for two years | HUF 6,000 |
| Card fee after two years or replacement card fee – for two years | HUF 2,000 |
| Companion card fee – for two years (optional, only on special request) | HUF 1,500 |
| Payment with the use of a card | free of charge |
| Use of partner discounts by presenting the card (2-25%) | free of charge |
Rules and consequences of non-payment of membership fees
The minimum monthly membership fee of the Fund is HUF 5,000.
Membership fee = Deposit, ie HUF 4,705 of the HUF 5,000 per month will be credited to your individual account.
Non-payment of the membership fee is calculated by the Fund based on the payments made in the last 12 months. If in the last 12 months the paid amount is less than 60% of the minimum membership fee, ie HUF 36,000 and no payment has been made to the fund account in the last three months exceeding HUF 3,000 per month, the membership fee is considered non-payable and the Fund is entitled to credit a maximum of HUF 290 per month to the operating reserve.
If in the last 12 months the amount of payments does not reach 40% of the minimum membership fee, ie HUF 24,000 and in the last six months no more than HUF 3,000 per month has been paid to the fund account, then the Fund is entitled to terminate accounts with a balance of less than HUF 4,001.
