FAQs- Raiffeisen Bank - Raiffeisen ENGLISH
Frequently Asked Questions and Answers
Frequently Asked Questions and Answers
FAQ - Forgot Direkt ID - egyedi tartalom
Forgot Direkt ID
You can find your identifier:
- in the myRaiffeisen mobile app: tap the profile (person) icon at the top of the home screen, then select “Show Direkt Identifier” button on the opened “My User Account” page.
- on the Raiffeisen DirektNet application form, on your client card, or in the accompanying letter received with your bank card.
If you can not find it anywhere, you can request a new one at our branch.
FAQ - Forgot, suspended password - egyedi tartalom
Forgot, suspended password
To set a new password, request one-time activation code:
- in the myRaiffeisen mobile app, tap the profile icon at the top of the home screen, then select “Settings” / “Change DirektNet Password” button on the “My User Account” page.
- Via call center service, using your 4-digit Direkt PIN code required for verification (which can be requested at our branch).
FAQ - RET Internet Banking Activation and Login
Activation and login to Internet Banking
Before using the service for the first time, activation is required by following these steps:
- Open the login page accessible by clicking the "Online Banking" button in the header of www.raiffeisen.hu, then select "Activation."
- Enter:
- Your 8-digit Digital Channel Identifier (Direkt ID, and
- The one-time 4-digit Digital Channel activation code sent via SMS to your phone number registered with the bank.
- Set a password that meets the password requirements.
- After successful activation, click the "Login" button and log in using your Identifier and the password you set. The password is valid for 365 days.
You can find your Digital Channel ID (Direkt ID) in the myRaiffeisen mobile app (under Profile/Show Direkt ID), on the Raiffeisen DirektNet application form, your client card, or the bank card’s accompanying letter.
If you are using internet banking for the first time, activation is required before logging in.
First, enter your 8-Direkt ID on the login page.
Login with myRaiffeisen mobile app (as a mobile token):
- You will receive a push notification on your phone (if notifications are enabled in the app).
- Tap the notification, then approve the login on the confirmation screen in the app.
Login with password and SMS code:
- If you do not use the myRaiffeisen app, enter your password, and an SMS will be sent to your registered mobile phone number.
- Enter the code received via SMS to log in.
Login with hardware token:
If you use a hardware token for authentication, you can also use the code generated by the device to log in.
If you do not remember your ID, you can find or recover it by:
- In myRaiffeisen mobile app tap the profile icon at the top of the home screen, then select "Show Direkt ID" on the "My user account" page.
- The Identifier can be found on the Raiffeisen DirektNet application form, your client card, or the bank card’s accompanying letter.
- If you cannot find your Identifier, you can request a new one at a branch.
If you forgot your password or it has been blocked for security reasons, you can get a one-time activation code to set a new password:
- In myRaiffeisen mobile app tap the profile icon on the home screen, then select "Settings" / "Change DirektNet password" on the "My user account" page.
- Call the Customer service at +36-80-488-588 and use your phone Direkt PIN or automated service by pressing 2 then 4.
If the system locks you out after multiple failed attempts, you will be blocked for 24 hours for security reasons.
If you want access during this period, you can reactivate the service with a DirektNet activation PIN, which you can request by calling customer service at 06-80-488-588 (after successful identification) or at a Raiffeisen branch.
For security reasons, you must change your password every 365 days. The internet banking login page will remind you automatically. You can also change your password more frequently or anytime you wish.
Change password in the myRaiffeisen app:
- Tap the profile icon at the top of the home screen.
- On the "My User Account" page, select Settings.
- Tap "Change DirektNet Password" to start the process of setting a new password.
Change password in DirektNet internet banking:
- Log in, then go to Administration / Settings / Change Password.
- Enter your old password, then set your new password.
- After logging out, you can log in with your new password.
If, as an account holder or authorized person, you have more than one internet banking access rights, you can access all of them by logging in with any of your Direct IDs.
In the header, at the profile icon, you can see the name of the banking customer on whose behalf you are acting. If you have access to multiple customers’ accounts, you can open the profile selector by clicking on the customer’s name. There, you can view your accesses and roles.
When signing orders, you must always enter the password associated with the specific access used. You can conveniently and easily authenticate your orders with all your accesses using the myRaiffeisen app (as a Mobile token).
Activation and login to the myRaiffeisen mobile app
Activation and login to the myRaiffeisen mobile app
The mobile application is available in the App Store (iOS), Google Play and Huawei AppGallery (Android) under the name “my Raiffeisen” (Raiffeisen Bank International AG).
The application can only be downloaded in the countries listed in the myRaiffeisen announcement.
If you scan the QR code on the page opened via this link with your mobile phone, you will be redirected to the page where you can download and install myRaiffeisen.
Even if you are not yet our customer, you can download the application. After installation, you can:
- open a retail or business bank account within a few minutes using your identification documents and a selfie, and
- apply for a credit card.
Raiffeisen account holder customers and their authorized representatives can also access the banking features required for everyday banking.
An application with limited functionality is available to:
- supplementary cardholders,
- customers who only have a credit card or a loan, and
- customers with joint (dual) signature rights.
Customers with a data-entry (recording) role can use the internet banking service only (the mobile application is not available to them).
The application must be activated (registered) before first use. (This can also be done on multiple mobile devices.)
If you are not yet our customer, on the home screen you can first select whether you would like to:
- open a bank account, or
- apply for another service (e.g. a loan).
At the end of a successful application process, you will receive information on how to activate the app.
As a Raiffeisen customer, if you have a Direkt ID / Digital Channel ID, please follow the steps below:
- On the home screen, select the Login button.
- Choose the language (Hungarian or English) in which you would like to use the application (this can be changed later within the app).
- Enter your ID and password:
- If you have active internet banking access:Enter your 8-digit Direkt ID / Digital Channel ID and the corresponding password.If you have forgotten your password, request a one-time activation PIN code by calling +36-80-488-588.If you already use the app on another device, you can check your ID there. To do so, tap the profile icon, go to My User Account, then select Settings / Change DirektNet Password.
- If you do not yet have activated internet banking access and password: Enter the one-time 4-digit Digital Channel activation code received via SMS (sent to the phone number registered with the bank). Then set a password (valid for 365 days), which you should make sure to remember.
- Enter a 5-digit PIN code of your choice (Mobile Token PIN). Re-enter the code and tap Confirm button to proceed. It is important that you remember this PIN code.
- Then enter the one-time code received via SMS and tap Authorize button to proceed to accepting the Terms and Conditions.
After successful activation, you can start using the application.
The built-in Mobile Token in the myRaiffeisen mobile application is a software-based authentication and signing tool for using digital banking functions. It allows identification via a PIN code (Mobile Token PIN) or biometric authentication (fingerprint or facial recognition).
For financial security, it is important to know on which devices you have already activated the myRaiffeisen app.
You can check this within the app by going to the Profile icon → User Account / Settings / Mobile Token Settings. Here you can see devices with active or suspended status.
You can suspend, reactivate, or delete these devices at any time (except for the device currently in use).
If a device is no longer in your possession (sold, lost, stolen, etc.), please delete the associated Mobile Token via:
- another myRaiffeisen application,
- the DirektNet Internet Banking under Manage / Mobile Token Settings, or
- our telephone customer service at +36-80-488-588.
For security reasons, myRaiffeisen cannot be used on jailbroken (iOS) or rooted (Android) devices. Such devices are at higher risk from malicious software, such as data-stealing viruses.
We recommend installing the application on another device that has not been modified or restoring the device to its factory settings.
In some cases, device manufacturers may modify the operating system. If this applies, please contact the authorized service center.
You can log in using the 5-digit Mobile Token PIN you set during activation (or during the last PIN code change).
Biometric authentication (fingerprint or facial recognition) is initially disabled at activation. If your device supports Face ID / facial recognition or Touch ID / fingerprint recognition, you will be notified about this option after activation. To enable biometric login, you must first enter your PIN. Once enabled, you can use biometrics to log in and approve transactions/orders.
You can enable or disable biometric authentication at any time via Profile icon → User Account / Settings.
Digitális funkciók GYIK - MESTER
Features avaliable digitally
Use the myRaiffeisen mobile application or internet banking on business days between 8:00 AM and 6:00 PM.
You can instantly exchange from 1,000 up to 40 million HUF (or the equivalent in foreign currency) at a competitive, personalized exchange rate. This can be done between your Raiffeisen accounts in different currencies (e.g., one in HUF, another in EUR).
- If you don’t have an account with us yet, you can easily open a retail or small business account in Hungarian with a selfie in the myRaiffeisen app in Hungarian or in a Raiffeisen branch.
- If you already have a forint account, you can quickly open a new foreign currency account with just a few clicks in the myRaiffeisen app and start using it immediately.
Exchange rates are continuously updated, and you have 60 seconds to accept the offered rate. You can request unlimited new rate offers, allowing you to time your exchange for the best moment.
This service is available for all currencies in which Raiffeisen Bank maintains accounts.
You can view your electronic account statement through the myRaiffeisen portal. It can be downloaded and saved in PDF format and printed if needed.
Please note that according to Hungarian Act C of 2000, the electronic account statement is not considered an accounting document.
The statement is available from the second working day after the monthly account closing and can be accessed for up to one year retrospectively. Electronic statements are available not only for bank accounts but also for credit card, investment, savings, and Long-Term Investment Accounts.
Switching to electronic statements is an environmentally friendly solution. You can cancel paper statements by calling 36 80 488 588 or visiting a bank branch and switch to the electronic version. If you still need paper statements, the bank will provide the last 12 months’ statements free of charge at the branch.
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ATM GYIK - MESTER
Raiffeisen ATM services
Activate your renewed bank and credit card. You can easily withdraw cash or deposit Hungarian forints to your bank account using your plastic debit card at a compatible ATM.
With a Raiffeisen debit or credit card issued in Hungary (either plastic or digitized on a mobile device), you can:
- Withdraw cash (with a credit card, up to 50% of the credit limit, subject to fees and interest),
- Change your card’s PIN code,
- Activate your renewed bank card during the first cash withdrawal by entering the correct PIN,
- Check your account balance.
Additionally, at Raiffeisen ATMs in Hungary that accept deposits, you can deposit cash 24/7 to your linked forint bank account using your plastic debit card.
With a Mastercard or VISA bank card issued by another bank, you can:
- Withdraw cash,
- Check your account balance,
- Change the PIN code of your Mastercard card if this option is enabled by your card-issuing bank.
For detailed information about ATM usage fees, please refer to the current Terms and Conditions.
At Raiffeisen ATMs in Hungary that accept deposits, you can deposit Hungarian forints to your forint bank account 24/7:
- Using your linked plastic Raiffeisen VISA or Mastercard debit card (credit cards are not accepted),
- Only intact Hungarian forint banknotes (torn, taped banknotes, coins, foreign objects, or envelopes cannot be deposited),
- Anytime, including weekends and holidays.
- The deposited amount is immediately available and can be used from your Raiffeisen current account.
Detailed information about the daily deposit limit can be found in the current Terms and Conditions.
You can filter Raiffeisen ATMs that accept cash deposits under the “Services” section.
How to deposit cash?
- Insert your plastic bank card (credit card is not accepted for deposit) into the ATM.
- Enter your card PIN, then select the Deposit option. The screen will display the daily cash deposit limit (the amount is available in the current Terms and Conditions.).
Important! If you enter the wrong PIN three times, you will not be able to perform any more PIN code based transactions that day. - Insert the Hungarian forint banknotes into the deposit slot. The ATM will count and verify the banknotes and display the total amount.
- If you confirm the displayed amount, the ATM will print a receipt, and the deposit will be completed.
You can cancel the process at any step before confirming the amount.
The daily deposit limit is restricted; detailed information is available in the current Terms and Conditions.
Please do not leave the receipt printed by the ATM at the machine to prevent unauthorized use of the information on it.