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Which are my benefits?


Easy

Minimum necessary documents.

Quick

You’ll have the money in your current account shortly after approval.

Without Worries

Even if your balance is zero, you’re “covered” for unforeseen situations.

Convenient

You only pay for what you use and you only use how much you want.

The Overdraft is available for 1 year, with the possibility of an extension, and the maximum eligible sum is the equivalent of 5.000 EUR in Lei, in accordance to the applicant’s monthly income.

Interest rates & Fees

Interest rates

Currency Reference index Reference index value (%) Fixed margin (%) Variabile interest (%) DAE (%)
LEI ROBOR3M 0.78 9 9.78 12.51
EUR EURIBOR6M -0.042 16.5 16.458 20.18
USD LIBOR6M 0.8334 16.5 17.3334 21.22


The Interest rate- is revised biannually on 30.06 and 31.12 (at 6-month intervals) or quarterly on 31.03, 30.06, 30.09 and 31.12 (at 3-month intervals).


Penalty interest – Interest owed by the monetary obligation debtor (Borrower) who failed to meet his scheduled financial obligation in due date. According to the law, it does not apply to amounts from the calculated interest rate.

The default interest is fixed and calculated by adding 17% to the annual interest rate (annual interest rate + 17%)

Fees

Fee LEI loan EUR loan
Document analysis (inquiry) fee  0 LEI 0 EUR
Monthly loan administration fee 0% 0%
Early repayment fee  0% 0%
Single fee applied to services provided on the client’s request 50 EUR 50 EUR


Other costs:

  • Cost of opening an account / package.

Calculation example

DAE 12.51%, interest 9.78% calculated by ROBOR 3 months + fixed margin 9%, calculated for an overdraft of 5,367 lei and granted on a 12-month period. The total sum required the end of the loan period (if the full approved amount is withdrawn) is 5,995 lei.

Questions and Answers

Is it necessary for me to cash in my salary/ pension in an account open at UniCredit Bank in order to benefit from an Overdraft?

Yes, it’s necessary for you to cash in your salary or pension in an account open at UniCredit in order to benefit from an Overdraft. You can find more information on GeniusCont, the current account with ZERO commission, here.


How old am I supposed to be in order to apply for an Overdraft?

In case you are employed, you need to be between 20 and 64 years old, if you’re a man, respectively 62 years old if you’re a woman, and for retirees, the maximum admitted age is 69 years old.


What monthly income am I required to have in order to apply for an Overdraft?

The minimum eligible net monthly income starts from the minimum wage.


For what period will the overdraft be at my disposal and what’s the maximum sum?

The Overdraft is available for 1 year, with the possibility of an extension, and the maximum eligible sum is the equivalent of 5.000 EUR in Lei, in accordance to the applicant’s monthly income.

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