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A Junior Current Account is a current account, in lei, that you can open in  your child's name and deposit money in any way you want to; your child will thus have money available anywhere and anytime.


Benefits:

  • Children between 14 and 18 years of age are free to use the card and money you make available to them anywhere and at anytime;
  • 0 debit card issuance fee;
  • 0 opening or closing fee for the current account;
  • 0 administration fee for current account and debit card;
  • Only a 0.2% fee, minimum 0.5 lei of the withdrawn amount from any UniCredit Bank ATM in Romania or the other 15 countries*;
  • 0 fee for the Online Banking service, if you opt for the Mobile Token authentication application;
  • 0 fee for the Mobile Banking service;
  • Info SMS service for only 0.2 euros / SMS;

If your child is under 14 years of age, the card, Online Banking, and Mobile Banking services will be issued in the parent or guardian’s name and handled by them until the child reaches the appropriate age. Once the child has turned 14, you will have to submit their ID and signature at any UniCredit Bank branch so that he/she can use and access the card, Online Banking,and Moblie Banking on their own.

* Romania, Italy, Austria, Germany, Bosnia - Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Serbia, Slovakia, Slovenia, Turkey, Ukraine.


Children have many qualities; however, budget management is not their strong point. Fortunately, parents are more responsible and know how important it is to give their children a quality education that helps them succeed in the future.

Therefore, UniCredit Bank helps you efficiently manage money dedicated to your child’s current and future needs with the Junior Savings Account - available in lei, euros or American dollars and specifically designed to collect large sums through small and constant deposits. When your child turns 18, the small amounts deposited over the years, combined with an attractive interest rate, will ensure that they have adequate financial support.


Benefits:

  • 0 FEES: The savings account can be funded at any time and is not subjected to any opening, managing, or closing fees. You can also have the bank automatically transfer amounts from your current account into the Junior Savings Account at no additional cost.
  • FLEXIBLE: You have permanent access to the deposited money, provided that the required account opening minimum amount is kept in the Junior Savings Account (300 lei / 100 euros / 100 American dollars depending on the currency you choose). You can withdraw money from the account at any time, in cash up to the minimum amount, or even over the minimum amount as long as you notify the bank 30 days in advance.
  • PROFITABLE: The bank offers you an advantageous interest rate for each type of currency as long as the money deposited in the account is above the minimum amount required.

For the Junior Current Account opened from 1st February 2017, you can receive the following interest rates:

  • Lei: 1,30% per year;
  • Euro: 0,30% per year;
  • American dollars: 0,30% per year.


Pentru Contul Curent Junior beneficiezi de urmatoarele rate de dobanda:

  • Lei : 2,50% pe an,
  • Euro : 1% pe an,
  • Dolari : 1% pe an.


Pentru Contul Curent Junior beneficiezi de urmatoarele rate de dobanda:

  • Lei : 2,50% pe an,
  • Euro : 1% pe an,
  • Dolari : 1% pe an.
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