Card solutions

UniCredit Bank offers a wide range of card products and complex solutions for payment acceptance of cards for your business development.

Credit cards

UniCredit Bank offers corporate clients an exclusive credit card, which besides the functionality of a classic credit card, also contains a carefully selected range of benefits for a unique Premium card experience.  

MasterCard Corporate Credit Card is a Premium card linked to a company credit account in lei or euros. It has a grace period for up to 45 days that's applied to all transactions performed at Merchants (POS/Imprinter/Internet), and are reimbursed in full at the payment due date or according to the minimum reimbursement amount mentioned in the Activity Report. 

Usage

It may be used for:

  • Payment of goods and services provided by accepting merchants that display a MasterCard logo and that have electronic card payment devices (POS) or imprinters (for embossed cards);
  • Performing contactless transactions of under 100 LEI/transaction, for which the input of the PIN code is not necessary;
  • Cash withdrawal operations from ATMs on a PIN code basis;
  • Cash withdrawals from other banks’ territorial units that have the MasterCard logo displayed;
  • Internet or mail order/telephone order (MO/TO) transactions;
  • Balance enquiry at a bank’s ATMs, on a PIN code basis;
  • PIN code change at the bank’s ATMs;
  • Mini-Account statement at the bank’s ATMs, on a PIN code basis;
  • Utilities invoice payment at the bank’s ATMs.

Benefits attached to MasterCard Corporate Credit card

  • Discounts offered at MasterCard Partner Merchants within MasterCard Elite Program.  The updated list of Merchants is available on www.mastercard.ro/premium;
  • Access to more than 600 VIP lounges in international airports with the presentation of the Priority Pass card. Details about the program and the list of updated lounges are available on www.prioritypass.com;
  • Access into UniCredit Business Lounge from Henri Coanda Airport, together with a guest, with the presentation of your MasterCard Corporate Credit card;
  • Travel Assistance Services available worldwide 24/7;
  • Travel Insurance attached to cards. Starting on 1st of March you can benefit from free travel insurance offered by Axeria Assistance Limited.

The cards may be used at all 15,000 ATMs belonging to the UniCredit network in 16 European countries (Italy, Austria, Germany, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Serbia, Slovakia, Slovenia, Turkey, Ukraine, Romania), with the same withdrawal fee charged by the issuing bank in its own network.

Travel Abroad Insurance Policy no. AXASS/UNI/01/2015 is prolonged, starting with 1st of March 2016, for one year of coverage.

UniCredit Bank is paying a travel insurance policy offered by Axeria Assisance Limited to all cardholders of MasterCard Corporate.

The travels insured are the ones outside the territorial limits of Romania, country of citizenship and country of residence, not more than 90 consecutive days counted from the departure date.

The requirement in order to activate the insurance is to have made one transaction with one active card from the ones mentioned above within 3 months before the travel started. At the call moment, the card must be active as well. Moreover, the cardholders shall not be older than 70 years old on the Policy effective date meaning 1st of March 2016.

The insured events are: Death - accident, Partial permanent disability - accident, Emergency medical expenses - accident & sickness, 24 hours world-wide assistance services, Loss of checked-In baggage, Flight delay, Third party personal liability (bodily injuries to third parties)

To qualify for this insurance, terms and conditions of the insurance provided by the insurer are met. Insurance terms and conditions are available here.

For more details on this product, please get in touch with your company's Relationship Manager.

Debit Cards

The debit cards offered by UniCredit Bank are: Visa Business Electron, Visa Business Electron Co-branded Metro, Visa Business Silver, Visa Business Gold, MasterCard Business Gold, all of which are CHIP cards that provide cardholders with increased protection.

The operations that can be performed with a corporate debit card

  • Payment of goods and services provided by accepting merchants that display a MasterCard logo and that have electronic card payment devices (POS) or imprinters (for embossed cards);
  • Cash withdrawal operations from ATMs, on a PIN code basis;
  • Cash withdrawals from other banks’ territorial units that have the MasterCard logo displayed;
  • Internet or mail order/telephone order (MO/TO) transactions;
  • Balance inquiry at the bank’s ATMs, on a PIN code basis;
  • PIN code change at the bank’s ATMs;
  • Mini-Account statement at the bank’s ATMs, on a PIN code basis;
  • Utilities invoice payment at the bank’s ATMs.

The cards may be used at all 15,000 ATMs belonging to the UniCredit network in 16 European countries (Italy, Austria, Germany, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Serbia, Slovakia, Slovenia, Turkey, Ukraine, Romania), with the same withdrawal fee charged by the issuing bank in its own network.

For additional information, you can contact us at cashmanagement@unicredit.ro or through your Relationship Manager. 

Card payment acceptance on a POS is a complete and secure solution that helps you improve your business activity.

With this service, you can collect payment for your products and services with Visa, MasterCard or AmEX* cards. Thus, you will offer to your customers an alternative means of payment, in a safe and comfortable manner, and building a long-term relationship with them.


*Thanks to a strategic banking partnership, UniCredit Bank is proud to offer and accept payments from AmEX. If you intend to accept AmEX cards, UniCredit Bank will analyze your request along with their partner. All necessary details will be established with your company’s Relationship Manager.

You can choose between:

  • card present payment acceptance - the most popular method of payment;
  • card not present payment acceptance - the method is specific to only certain merchant activities (eg: travel agencies, car rental or hotels/hostles).


If there are special requirements for the integration of the cash register (ECR), the bank can assist with them in the process of POS installment.


Choose from the 4 functionalities best suited for your activity:  

Discountry - Loyalty program for UniCredit Bank cardholders 


You can choose to become one of UniCredit Bank partner merchants in the Discountry loyalty program that's dedicated to the UniCredit Bank credit and debit cardholders. For each payment performed at POS, clients can pay up to 12 free of interest, or they can benefit from discounts, which gives them an additional reason to make more transactions. You can establish the number of installments or the level of discount.

Cash Back service at POS

This service allows your clients to withdraw cash from the POS, up to 150 lei/ transaction, when they pay with their Visa or MasterCard card in your store. The cash dispensed amount is automatically deducted from the cardholder's account and is credited in your company’s account at no additional fee.

Contactless acceptance 


Through the new contactless technology such as MasterCard’s PayPass and Visa’s PayWave, clients can quickly perform transactions up to 100 lei, by simply sliding their card through the POS, and without having to insert their PIN code and/or sign the receipt. This new technology significantly reduces the time clients have to spend at the cash register.


Unique Pay - Service of Bill (invoice) collection at POS 


Unique Pay is the solution proposed by UniCredit Bank for bill (invoice) collection (telephone/ utilities) through the POS installed by our bank. You can offer to your clients the possibility of paying their invoices, both by card and cash, by inserting either the phone number / client code with the help of bar code reader attached to the POS.


ADDITIONAL INFORMATION 

For additional information you can contact us at the following address cashmanagement@unicredit.ro or through your account officer. 

Business Mobile
Business Mobile
ZERO administration fees, safe and secure access to your business accounts and cards, anytime, anywhere. 
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