Not everyone will have cash

A good share of buyers rarely carry cash these days. There is a way for them to transfer you the money in a couple of seconds, with no business and no tax number, free of charge. It needs no terminal and no contract, just your bank’s phone app.

1. qvik: a payment request from your own banking app

This is the simplest and the safest. You set the amount, the buyer only approves it, and the money is in your account immediately, before the goods have left the table.

1. Step 1

   Open your bank's app

   At OTP: Utalás, then Pénzkérés SIMÁN. At other banks, look for the payment request or qvik menu item. The name differs from bank to bank; the thing itself is the same.

2. Step 2

   Type in the amount

   Whatever you agreed on. You do not need the buyer's phone number, and you do not need to know which bank they use.

3. Step 3

   Show the QR code

   A QR code appears on your phone's screen. Turn it towards the buyer. If you are using the OTP app, the code lives for five minutes.

4. Step 4

   The buyer scans it

   The buyer scans it with their own bank's app - they can hold an account at any Hungarian bank. They see the amount and approve it.

5. Step 5

   It has arrived

   The money is in your account within seconds, and you can see it in your app. Only hand the goods over once you have.

The 20 requests a day is the only real limit. If your yard is really busy, stick to cash after the twentieth, or use the phone-number method further down.

2. Revolut

1. Step 1

   Revolut can do it too

   Since June 2026 the Revolut app has qvik as well. It works exactly as it does at the Hungarian banks: you send a payment request, and a customer of any Hungarian bank can pay it.

2. Step 2

   Or a payment link

   Revolut's "Request money" gives you a link and a QR code. If the buyer has no Revolut account they can pay by card instead, though there are weekly and monthly limits on that.

3. Step 3

   You have a Hungarian IBAN

   Revolut has had a Hungarian account number since 2026, so an instant transfer sent from any Hungarian bank reaches it within seconds.

3. If your bank's app cannot produce a QR code

Not every bank lets you start a payment request, even though every one of them can receive money. In that case the secondary identifier is the way round it.

1. Before the sale, register your phone number with your bank as a secondary identifier. It takes a few minutes and is free.
2. At the sale, you only have to say your phone number, and the buyer sends an instant transfer to it.
3. Write it on a piece of card in good large letters, so you do not have to dictate it to every buyer.
4. Under 50,000 Ft the transfer is free of duty; above that the buyer's bank may deduct a small fee.

Here it is the buyer who enters the amount, not you. Check in your app that it really has arrived before you hand the goods over.

What will not work, however much it looks as though it should

And what about tax?

Selling your own second-hand belongings counts as the sale of movable property. If what you take in from that sort of thing stays under 600,000 Ft across a whole year, there is nothing you need to do: it does not have to be declared and no tax is due on it. That holds whether you were paid in cash or by transfer.

This is general information, not tax advice. If you sell regularly with the aim of making a profit, or pass on things you bought from other people, that falls under different rules, and it is worth speaking to an accountant.

The phone pictures are drawings, not real screenshots: banking apps get redesigned from time to time, but the names of the menu items stay. Where a button is named in Hungarian above, that is deliberate - it is what your app actually says. If you cannot find it, search your bank’s app for „fizetési kérelem” or „qvik”. If anything is unclear, have a look at the FAQ.

This information was correct in August 2026.