Current account, liquidity management, payments and collections

We have developed both standard payment solutions and special collection solutions adapted to your company's activity.

  • You can open accounts in lei and foreign currency dedicated to each division, activity or geographic region, so that you can efficiently monitor certain activities;
  • UniCredit Bank offers the possibility of keeping the current account available without mandatory minimum amount, with interest. Thus, you can benefit from the company's availability for payments and other current operations at any time;
  • The interest is calculated daily and is posted into the account at the end of the month.
Current Account Package - Genius IMM PRO

For legal entities with annual Turnover higher than 1 million and up to 3 million EURs

PACKAGE FEE:  40 LEI / MONTH

Products and services:

 2 current accounts in LEI;

 2 current accounts in EUR and / or USD;

 Business Debit card (Mastercard Business Silver sau Mastercard Business Gold);

 Online & Mobile Banking: BusinessNet Basic with Mobile Token & Business Mobile;

Info SMS.

Card Management Module in BusinessNet

Transactions:

 Receipts in Lei and currency by payment order; 

 Intrabank payments in Lei and Currency through BusinessNet;

 5 Interbank payments in LEI through BusinessNet from the main account included in the package*;

 Cash withdrawals in Lei with the debit card included in the package from UniCredit Bank/UniCredit Group ATMs and Euronet Romania ATMs;

 Transactions through UniCredit Bank  Self Service machines (BNA) with the debit card included in the package or barcode;

 Direct debit with UniCredit Bank partners.

Need more options in your current account package? No problem!

 

Genius IMM PRO current account package extraoptions

 BusinessNet Professional -> 25 Lei/month

 Cards Acquiring Acceptance Module -> 15 Lei/month

 Monitoring debit instruments Module -> 15 Lei/month

 10 online LEI interbank payments throught BusinessNet from main account -> 25 Lei/month

 Unlimited interbank electronic payments in Lei from accounts included in the current account package* -> 65 Lei/month

 Unlimited interbank electronic payments in foreign currency from accounts included in the current account package * -> 80 Lei/month

 Payments and receipts in Lei with cheques and promissory notes from/in the accounts included in the package* -> 100 Lei/month

 Unlimited withdrawals with the main debit card  included in the current account package from any ATM in Romania -> 120 Lei/month

 Additional current accounts in Lei and currency  (EUR, USD, CHF, HUF, GBP CAD, JPY, AUD, ZAR, CNY, CZK, DKK, NOK, PLN, SEK, TRY) -> 15 Lei/month

*The freebies and discounts refer exclusively to the commissions charged by UniCredit. It does not apply to Sent/ReGIS commission, respectively the commissions of the correspondent banks.

For the products or services that are not included in the package, the standard fees and commissions are applied according to the list of commissions and interests in force.

More reasons to choose a current account package from UniCredit Bank

  • Optimized transaction costs;
  • A wide range of products and services for your current business;
  • Adaptable and optimized services to the specifics of your business.
Current Account Package - Genius IMM MAX

For legal entities with annual Turnover between ( ≥) 3 million and (≤) 10 million EURs

PACKAGE FEE:  55 LEI / MONTH

Products and services:

 2 current accounts in LEI;

 2 current accounts in EUR and / or USD;

 Business Debit card (Mastercard Business Silver sau Mastercard Business Gold);

 Online & Mobile Banking: BusinessNet Basic with Mobile Token & Business Mobile;

Info SMS.

Card Management Module in BusinessNet

Transactions:

 Receipts in Lei and currency by payment order; 

 Intrabank payments in Lei and Currency through BusinessNet;

 10 Interbank payments in LEI through BusinessNet from the main account included in the package*;

 Cash withdrawals in Lei with the debit card included in the package from UniCredit Bank/UniCredit Group ATMs and Euronet Romania ATMs;

 Transactions through UniCredit Bank  Self Service machines (BNA) with the debit card included in the package or barcode;

 Direct debit with UniCredit Bank partners.

 2 cash withdrawals in Lei from national ATMs with the main debit card included in the package.

Need more options in your current account package? No problem!

Genius IMM MAX current account package extraoptions

 BusinessNet Professional -> 25 Lei/month

 Cards Acquiring Acceptance Module -> 15 Lei/month

 Monitoring debit instruments Module -> 15 Lei/month

 10 online LEI interbank payments throught BusinessNet from main account -> 25 Lei/month

 Unlimited interbank electronic payments in Lei from accounts included in the current account package* -> 80 Lei/month

 Unlimited interbank electronic payments in foreign currency from accounts included in the current account package * -> 95 Lei/month

 Payments and receipts in Lei with cheques and promissory notes from/in the accounts included in the package* -> 150 Lei/month

 Unlimited withdrawals with the main debit card  included in the current account package from any ATM in Romania -> 120 Lei/month

 Additional current accounts in Lei and currency  (EUR, USD, CHF, HUF, GBP CAD, JPY, AUD, ZAR, CNY, CZK, DKK, NOK, PLN, SEK, TRY) -> 15 Lei/month

*The freebies and discounts refer exclusively to the commissions charged by UniCredit. It does not apply to Sent/ReGIS commission, respectively the commissions of the correspondent banks.

For the products or services that are not included in the package, the standard fees and commissions are applied according to the list of commissions and interests in force.

More reasons to choose a current account package from UniCredit Bank

  • Optimized transaction costs;
  • A wide range of products and services for your current business;
  • Adaptable and optimized services to the specifics of your business.
Offer and service ESG

Products and Services

ACCOUNT SERVICES Comission
Account oppening  
Account management No Cost
Local currency settlement  
Intrabank payments No Cost
Incoming payments from another bank's account, on behalf of UniCredit Bank clients. 1 RON
Electronic payment 6 RON
Electronic payments between UniCredit Bank clients. No Cost
Foreign currency settlements  
Incoming Payments No Cost
SEPA payments Electonically initiated payments in EUR to countries within the European Economic. Area /RON crossborder payments electronically 9 RON
Electronically initiated payments in other currencies / electronically initiated payments in EUR to countries outside the Single Euro Payments Area (NON-SEPA). 0.15%, min 15 EUR, max 500 EUR
intrabank electronic payments No Cost
ELECTRONIC BANKING  
BusinessNet Basic  
BusinessNet Basic Set up No Cost
Administration fee for Business Net Basic/company EUR 15/month
BusinessNet Professional  
BusinessNet Professional Set up No Cost
Administration fee BusinessNet Professional/company EUR 35/month
Card Management Module EUR 5/month

 

Bussiness Cards:

UniCredit Bank offers business debit cards with built-in contactless technology, providing a unique experience with international usage. You can make payments with your company card anywhere in the world, including online, securely and conveniently.

These payment solutions support increased efficiency and transparency by providing the tools and capabilities for data analysis, so you can easily monitor and manage your company's budgets.

DEBIT BUSINESS CARDS - MASTERCARD BUSINESS SILVER Comission
Annual administration fee 15 EUR
National and international POS transactions No Fee
Cash withdrawals at UniCredit Bank ATMs 0.1% min. EUR 0.1
Cash withdrawals at other banks' ATMs in-country 1.25% min. EUR 2.5

Contul current

UniCredit Bank SA offers you the possibility to keep RON funds in your current account, with no mandatory minimum amount, and with current account interest. This allows you to use your company's available funds for payments and other current operations at any time. The interest is calculated daily and posted to the account at the end of the month.

Special offer for your company:

RON volume tiers for current account Interest %
</= 100.000 RON 1.5% p.a.
> 100.000 RON si </= 500.000 RON 2% p.a.
> 500.000 RON si </= 1.000.000 RON 2.5% p.a.
> 1.000.000 RON 3% p.a.

* The Bank reserves the right to amend this offer depending on market conditions.

Offer validity period

This offer is valid for 1 year from the date of acceptance. Following this period, we reserve the right to revise this offer. The standard fees and commissions of UniCredit Bank SA, applicable to additional products/services contracted and which have not been negotiated between the parties, may be subject to permanent revisions and updates by UniCredit Bank SA..

ESG Product Guidelines summary

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

You can benefit from the following types of payments:

Domestic and foreign currency payments
  • We offer a fast and accurate settlement for both payments in lei and those in foreign currency through our access to the compensation plan in Romania (TransFonD) and to the most important systems of “clearing & settlement” for euros, dollars and other main currency;
  • Payments may be ordered electronically - using the electronic application BusinessNet - or on paper.

 

SEPA payments
  • UniCredit Bank offers its customers the opportunity to order end to end SEPA transfers on a special template/module, available through the electronic applications BusinessNet Basic and Professional. SEPA transfers use the XML format that provides, in addition to the SWIFT format, new fields with necessary information for reconciliation;
  • Even if not initiated in SEPA format (in XML format or by using the special template) UniCredit Bank will convert and direct a payment via the SEPA specific CSMs (Clearing and Settlement Mechanisms) if the respective payment meets the conditions for SEPA clearing;
  • UniCredit Bank also offers its clients the opportunity to make payments via SEPA Direct Debit (SDD) on the basis of signing a contract with the bank and after submitting a copy of the Mandate signed with SEPA DD. SEPA Direct Debit payments are made after validation of payment instructions sent by the provider SEPA DD mandate, a copy of which was filed by the payer to the bank.

 

GLOBAL PAYMENTS IN 90+ CURRENCIES

Expand Your Business

Global payments in 90+ currencies, with integrated FX and no additional costs

UniCredit Bank offers you the Integrated FX Payment Solution — enabling payments in an extended list of currencies (over 90 currencies), depending on the beneficiary’s country (for non-EU/EEA countries), with integrated currency conversion and without requiring a current account in the respective currency, directly through the bank’s electronic applications*.
The payment beneficiary will receive the funds directly in their local currency.

Benefits for your company:

• Fast and efficient international payments, with no additional costs or extra documentation.
• All payments are processed automatically, regardless of the currency selected, without the need to open new foreign currency accounts.
• You have full control over the FX conversion and immediate access to a comprehensive Currency Guide directly within the electronic application — ensuring accurate, simple, and effortless payments.

*BusinessNet / BusinessMobile / MobileBanking

Need more information?

• Contact your dedicated Relationship Manager or our branch consultants, Monday to Friday, between 09:00 and 17:00.
• Contact us at: infocenter@unicredit.ro

Domestic payments by Direct Debit (DD)

The client companies of UniCredit Bank can pay the amounts due in lei by Direct Debit. If a company holds a current account at UniCredit Bank, they can sign a DD mandate; thus, the payment obligations to different suppliers shall be automatically performed by means of the DD instructions issued by the supplier.

 

We also offer the possibility of signing electronic Direct Debit Mandates for the agreed beneficiaries by means of our BusinessNet Basic/ BusinessNet Professional applications;

  • The company’s account is automatically debited upon the maturity date, with the amount mentioned by the supplier within the electronic instructions of direct debit;
  • Payments through DD can be made by both suppliers, upon an open invoice account at UniCredit Bank (intra-bank DD), as well as by the suppliers, with an open account with other credit institutions (inter-bank DD). For the suppliers with invoice accounts with other credit institutions, the payment service can be activated if the supplier can initiate DD instructions in the inter-bank system (service provided by the credit institution where the invoice account is open). 

 

Standing orders
  • A payment order initiated by the payer once, when the bank is mandated upon repeated execution. This type of payment can be ordered on paper format or through BusinessNet electronic application; 
  • One can perform payment orders scheduled in lei (including to the State budget) or in a foreign currency;
  • The debit frequency can be daily, weekly, monthly, quarterly, each semester and annually, and the payments can be fixed or fluctuating. 

 

Salary payments
  • The salary payment, which is also possible by the use of BusinessNet, is a functionality extremely useful to the companies that wish to pay the salaries to their employees, without having to go to the bank;
  • The extended network of branches, automatic cash-dispensers (ATM/BNA) and EFT-POS terminals installed with the traders gives the possibility to the salary card holder to use them for shopping or cash withdrawal on minimal costs, as well as the ability to perform any type of current account transaction.

 

Customslink - Electronic Customs Duty Payment Confirmation
  • This service is a straight forward and safe solution to electronically settle your duties with the Customs Offices and is available in all Romanian Customs Offices that have an IT infrastructure in place.
  • UniCredit Bank will automatically and electronically dispatch the relevant information regarding the payment orders to the Customs Offices within approximately 1 hour from the moment the payment is processed. 
  • This service is available for electronic payments, as well as paper based payments in accordance with the specific cut-off-times of UniCredit Bank.

 

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

Direct Debit (intra-banking and inter-banking)
  • Direct Debit represents a fast and efficient solution for the collection of payment obligations. Basically, the Direct Debit service is a pre-authorized debit of the payer‘s account; this debit is initiated by your company based on a Direct Debit collection agreement between UniCredit Bank and your company;
  • Intra-banking debit (payers with accounts open at UniCredit Bank) and inter-banking debits (payers with accounts open at other credit institutions) are available in lei only;
  • Based upon issued and validated DD instructions (un-rejected), the company’s account is automatically credited upon the maturity date with the amounts debited from the payers’ accounts (intra-bank DD) or with the amounts collected through the national compensation and settlement system (TRANSFOND-SENT) from the payers’ banks (inter-bank DD).
  • Completely automated process;
  • Automatic reconciliation based on daily reports delivered by the bank for the required payments.

 

Trezolink
  • The service represents the transfer of funds from your company’s account, open with the State Treasury, into the current account from UniCredit Bank, and it shall only be available for account format 50.69 – Available funds – of the economic operators, open at the State Treasury;
  • Transfers are performed by the bank without having to submit payment orders from your company;
  • The service shall be valid both in Bucharest, as well as throughout the country;
  • The bank statement open at the State Treasury can be electronically seen by means of BusinessNet and it can also be delivered in MT940 format.

 

Safe transport of assets
  • Based upon the agreement concluded with the bank’s partner – a company specialized in safe transport of assets, UniCredit Bank provides secured cash collection services/ other asset collection services from requested locations, as well as safe cash rendering to the specified locations;
  • The collection of assets comprises lei, other currencies, debit instruments, coins;
  • You benefit from the highest safety standards: cash transport is performed by means of armored cars, under armed guardianship, and GPS monitoring;
  • You can also benefit from collection from any location in Romania and for any number of operations. 

 

Special solutions for invoice collection
  • Payment order trough special templates in BusinessNet/Internet Banking/Mobile Banking;
  • Cash at Cash multifunctional machines (BNA) trough special templates;
  • Card at bank cash-dispensers (ATM) trough special templates.
  • Premium collection (virtual IBAN)
 

These solutions will be discussed together with your technical specialists in order to establish general aspects (collection accounts, criteria validation, algorithm implementation etc.).

 

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

  • Bank statements MT940 and electronic intermediary reports MT942 – standard format;
  • Bank statements MT940 and electronic intermediary reports MT942– UniCredit structural format;
  • Real-time monitoring method of debit instruments  (by means of BusinessNet);
  • Acceptance mode upon card payment (the transactions performed by means of POS and Imprinter terminals can be seen by traders directly from the electronic application BusinessNet);
  • The monitoring file of the debit instruments rendered upon collection;
  • Other special solutions – solutions can fluctuate from structural bank statements until special reconciliation files for collections via POS terminals. 

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

Solutions for effective domestic and cross-border concentrations of liquidites within the UniCredit Group for holding companies and/or groups of companies:

Cash Sweeping

Cash sweeping is, in other words, the concentration of solutions between the current accounts of the same company. You can benefit from the following possibilities:

  • Zero balancing – positive/negative balances are transferred/ covered into/from the main account at the end of the day (balance at the end of the day in the participating accounts will be zero);
  • Target balancing – the participating accounts shall have a balance at the end of the day that equals the amount pre-established following the transfers into/from the main account;
  • Reverse balancing – transfers are performed at the end of the day (the balance will be zero for the participating accounts) and their reversal shall be performed in the morning of the second day.

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

Cash Pooling

UniCredit Bank offers a wide range of efficient solutions for the concentration of liquidity. These represent non-standard operation services on mandate based customer accounts for holding companies or/and groups of companies, that aim to manage the movement of assets and of the group/holding companies available liquidity (treasury operations).

Our bank provides effective domestic and cross border cash pooling solutions within the UniCredit Group. Each concentration request for liquidities shall be discussed in detail with you in order to establish the most suitable solution for your company in regards to account structure, currency involved, etc.

UniCredit Bank advises the group of companies to request legal and fiscal guidance on tax implications, as well as on accounting inclusion and legal capacity to participate in such structures. 

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

Our pan-European leading banking network, with more than 8,500 branches, offers the most modern banking services in over 17 countries. Through dedicated Cross Border Relationship Management, we are able to organize our customers' banking relationships in multiple countries, so that they receive the same quality of service abroad as they do at home.

 

Our top tier experts as well as the 4,400 parter banks worlwide contribute in developing and sustaining these innovative solutions. Everything is done in the easiest way possible: your local Relationship Manager is your unique point o access in the UniCredit network.

A client of UniCredit Cross Border has a special status, and:

 

Our Cross Border client has a special status:

  • Enjoys special treatment in the UniCredit Group;

  • Receives favorable offers based on the effective management of cross border activities;

  • Can quickly and efficiently access unique business opportunities through our range of innovative services.

ADDITIONAL INFORMATION

 

APPLY NOW!

 

Back to top
Spinning wheel animation

Loading

UniCredit Logo