célszámlára

Célszámlára refers to a specific type of bank account in Hungary, often translated as a "purpose account" or "target account." These accounts are designed for saving money towards a particular goal, such as a down payment for a house, a car purchase, or a vacation. The defining characteristic of a célszámlára is that it typically has restrictions on withdrawals, making it less accessible for everyday spending.

These restrictions are usually in place to encourage disciplined saving. Funds deposited into a célszámlára may be subject to a notice period before they can be withdrawn, or there might be limits on the number of withdrawals allowed per month. In some cases, the bank might offer a slightly higher interest rate on these accounts compared to standard savings accounts, as a reward for the commitment to saving.

The concept of a célszámlára aligns with broader financial planning strategies that emphasize setting clear objectives and using dedicated tools to achieve them. While not a complex financial instrument, it serves as a practical mechanism for individuals and families to manage their savings and work towards specific financial milestones. The Hungarian banking system provides these accounts as an option for customers looking for a structured way to save.