More Instant Credit Transfers by Qvik Payment Solution

In the fourth quarter of 2025, 87.7% of payment accounts held by natural persons were accessible online. Compared to the previous quarter, the number of ATMs operating in the country increased by 185. Compared to the same period a year earlier, the number of individual credit transfers initiated using mobile banking applications was up by 14.4%, with their total value rising by 25.9%, according to a new report by the National Bank of Hungary (MNB).

Transfers initiated in response to qvik requests rose by 22.6% in one quarter, and their total value was up by 17.8%. In a year, the number of qvik-QR, qvik-NFC and qvik-link payments more than doubled once again, with their value increasing over threefold. The number and value of purchase transactions completed with payment cards rose by 7.7% and 19%, respectively, year on year. During the same period, the total number and value of cash withdrawals, declined by 5.9% and by 2.3%, respectively.

In the quarter, the number of successful frauds committed with payment cards increased by 0.6%, while their total value fell by 8.1%. During the same period, the number of non-card electronic payment fraud fell by 7%, while their value rose by 17.3%. Fraud cases associated with phishing still comprise the largest number of all fraud cases, while the majority of their value comes from fraud cases associated with psychological manipulation.

89.8% of the loss written off due to fraud was borne by customers. Compared to 2024 Q4, the revenues of domestic service providers from payment services were up by 6.9%. Within this, revenues from card acceptance rose by 8.7%. Revenues proportional to the value of transactions made up 61.2% of total payments revenue and 89.9% of revenues from card acceptance.

In 2025 Q4, a significant rise was observed in turnover of the payment and settlement systems. Compared to the previous quarter, both the turnover and the number of the VIBER and the Interbank Clearing System (ICS) increased. The rate of payment system liquidity remained unchanged in 2025 Q4; its level remains ample.