The MNB's enforcement decision against Erste Bank Hungary mandates ATM installation compliance, directly regulating cash access infrastructure as a payment service obligation.
The decision constitutes an enforcement action by a central bank against a bank for violations of ATM operation and installation requirements under payments regulations.
Specialism
The MNB decision mandates ATM installation and operation requirements for a payment service provider, which relates to operational obligations and service provision standards, though this is not a core payments compliance specialism.
The decision threatens potential fines for non-compliance with ATM installation deadlines, suggesting enforcement risk, but no actual penalty has been imposed yet and the primary focus is supervisory mandate rather than active enforcement.
2026-04-09 10:47:16·tojuri@vixio.com
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TITLE: Hungary's Central Bank Orders Erste Bank Hungary to Install Automated Teller Machines
BODY:
On March 25, 2026, the Magyar Nemzeti Bank (MNB) issued Decision H-KPL-I-2/2026 requiring Erste Bank Hungary Zrt. to comply with obligations regarding the installation and operation of automated teller machines (ATMs).
The decision mandates that Erste Bank Hungary must fully comply with the requirements set out in MNB Regulation 19/2025 (VI. 26.) concerning the installation and operation of ATMs in municipalities with populations exceeding 1,000 residents. The bank is required to install ATMs in specified municipalities by designated deadlines as detailed in Annex 1 of the decision. The regulation establishes a framework for ATM installation criteria and cost-sharing arrangements among payment service providers.
The MNB also calls upon Erste Bank Hungary to ensure full compliance with all statutory requirements and MNB regulatory decisions concerning the operation and maintenance of ATMs within the cash machine network in the future, and to conduct itself lawfully in this regard.
The decision specifies that failure to meet the installation obligations by the prescribed deadlines will result in further enforcement measures by the MNB. The bank faces potential fines ranging from HUF 2 million to HUF 200 million, in accordance with Section 75 of the MNB Act (Act CXXXIX of 2013) and Section 2(5) of the Automated Teller Machine Act (Act XVIII of 2025). No procedural costs were incurred during the proceedings.