---
title: "Hungarian Fintech Regulatory Calendar 2026 · MNB, NAV, NAIH"
description: "A compact calendar of MNB, NAV, and NAIH deadlines, reporting obligations, and regulation changes for Hungarian fintechs in 2026."
date: 2026-04-22
updated: 2026-04-22
author: "Dezső Mező"
tags: "Fintech, MNB, NAV, NAIH, Compliance, Hungary, fintech, mnb"
slug: hungarian-fintech-regulatory-calendar-2026
canonical: https://dfieldsolutions.com/blog/hungarian-fintech-regulatory-calendar-2026
---

# Hungarian Fintech Regulatory Calendar 2026 · MNB, NAV, NAIH

MNB, NAV, and NAIH all have 2026 obligations that hit Hungarian fintechs · this is the compact calendar of what's due and when.
If your fintech operates in Hungary, three regulators matter: MNB (financial supervision), NAV (tax + e-invoice), NAIH (data protection). Each has a 2026 calendar worth blocking in Notion · miss a reporting window and the fine is material.

## MNB · financial supervision

### Quarterly liquidity reporting

Quarterly COREP + FINREP submissions for regulated entities. Deadline: last working day of the month after quarter close. Q1 2026 filings due April 30, 2026. Late filing: automatic supervisory fine, typically 200-500k HUF for SMB fintechs.

### ICT risk reporting · new for 2026

The DORA (Digital Operational Resilience Act) transposition adds ICT risk reporting effective January 17, 2025. Annual report due end of Q1 each year · first full cycle was Q1 2025, Q1 2026 is the second. Covers incident classification, third-party ICT vendor inventory, resilience testing.

### AML/CFT reporting

Monthly SAR (Suspicious Activity Report) filings if triggered. Annual AML risk assessment due end of March. AML inspections typically annual · expect a 2-3 day on-site review.

## NAV · tax + e-invoice

### Online Invoice 3.0

All B2B invoices > 100 HUF must be reported to NAV's Online Invoice (Online Számla) API in real-time, XML-schema v3.0 as of 2024. Schema v3.1 expected Q4 2026 · watch for breaking changes.

### VAT OSS filings

Cross-border EU B2C: quarterly One-Stop Shop (OSS) filings, due 30 days after quarter close. Q1 2026: April 30, 2026.

### Society tax + KIVA

KIVA (small business tax) opt-in reviewed annually. Default 9% corporate tax otherwise. 2026: no rate changes announced, but thresholds indexed to inflation · verify your ceiling in Q1.

## NAIH · data protection

### Data breach notification

72-hour breach notification (GDPR Art. 33). Hungarian NAIH has explicit forms · use them, not generic GDPR template. 2025 enforcement shifted · NAIH now actively audits fintech incident response, not just waits for reports.

### DPIA obligations for AI

Any AI system processing personal data must have a DPIA per GDPR Art. 35. NAIH guidance (late 2024) makes explicit that LLM-powered support bots count. Update your DPIA every 12 months or on significant feature change.

### Register of processing activities

Article 30 register must be up to date and producible to NAIH within 24 hours of request. The common audit finding: old vendors still listed, new vendors missing.

## EU-level additions hitting HU fintechs in 2026

- EU AI Act · full application from August 2026 for general-purpose AI; high-risk AI system obligations kick in.
- MiCA · crypto-asset service providers need CASP authorisation; transitional period ended December 30, 2024.
- DORA · now in full force, with 2026 being the second full reporting cycle.
- Instant Payments Regulation · SEPA instant credit transfers required by October 9, 2025; 2026 sees SCT Inst monitoring.

> **TIP:** Block the MNB quarterly filing deadlines in your calendar as 'blocked · regulatory report'. Every Hungarian fintech we've worked with has missed one at least once, usually because it landed on a sprint end.

---

Source: https://dfieldsolutions.com/blog/hungarian-fintech-regulatory-calendar-2026
Author: Dezső Mező · Founder, DField Solutions
Site: https://dfieldsolutions.com