While everyone is offering “0 commission” for your current account, we’re here to tell you that you don’t have to settle for this alone.

Because starting 21st August 2017, GeniusCont from UniCredit Bank brings you more benefits.


Included Benefits with ZERO commission


Free Debit Card - ZERO administration fee for one main debit card of your choice



Free Monthly account administration  - Current account in LEI with Zero Commission for monthly administration, account receipts or LEI transfers towards any bank in Romania by Online Banking and Mobile Banking



 Cash withdrawal and balance enquiry  at any UniCredit Group ATM (in the country or abroad) with ZERO commission  - As well as in Euronet’s ATM Network in Romania.



 Cash withdrawal at any ATM from Romania with ZERO commission 



Free Mobile Banking and Online Banking  - Check the balances for the accounts associated with your service and transactions, easily pay the bills, make LEI transactions, currency exchanges and save money



Electronic LEI payments towards any bank in Romania with ZERO commission  - The LEI transfers towards any bank in Romania by Online and Mobile Banking (including programmed payment orders)






GeniusCont, the account in Lei for salary payment offers ZERO commissions if the client fulfills all the eligibility criteria regarding the age. monthly inflow or investments-savings products/ monthly access of Mobile Banking, Online Banking or Info SMS, according to each transactional offer conditions.


And if you use Mobile Banking or Online Banking, from August 21st 2017, you’ll get the following benefits



Happy Hour Exchange Rate

Through which you can make currency exchanges at BNR’s exchange rate, for up to 1000 EUR/day*

You get Cash back for utility bills payment

3 lei Monthly for minimum 3 bills payments/month*

+1 percentage interest point on RON deposits

Made through Mobile and Online Banking


*Facilities offered through the “GeniusCont Benefits Program” for a period of time announced by the Bank, according to the terms and conditions available on www.unicredit.ro, in the Useful Documents section.

Exchange rate published by NBR – the exchange rate computed and published by NBR on each banking day, at 1:00 P.M, based on quotations published by intermediaries on the interbank foreign exchange market



Besides the base benefits, choose one of the 6 GeniusCont transactional offers that suits you best.


GeniusCont Clasic

You have a minimum monthly inflow of 700 LEI

You access Mobile Banking, Online Banking or Info SMS on a monthly basis



+besides ZERO commission you get:

  • a free Visa Classic debit Card

GeniusCont Gold

You have a minimum monthly inflow of 5000 LEI or you have savings and investments products of at least 200.000 LEI

You access Mobile Banking, Online Banking or Info SMS on a monthly basis


+ besides ZERO commission you get:

  • a free Visa Gold debit Card
  • ZERO cash withdrawal commission at any ATM, worldwide
  • free foreign international travel insurance

GeniusCont Platinum

You have a minimum monthly revenue inflow of 20.000 LEI or you have savings and investments products of at least 900.000 LEI

You access Mobile Banking, Online Banking or Info SMS on a monthly basis


+besides ZERO commission you get:

  • a freeMasterCard Platinum debit Card
  • ZERO commission for cash withdrawal commission at any ATM, worldwide.
  • a free EUR, USD and GBP current account with no administration costs.
  • free foreign international travel insurance
  • free card protection insurance
  • free access to VIP lounges in from international airports with the Priority Pass card.



GeniusCont Senior

You are cashing the pension





+besides ZERO commission you get:

  • a free Visa Classic debit Card

GeniusCont iCont

You’re between 18 and 24 years old.

You access Mobile Banking, Online Banking or Info SMS on a monthly basis


+ besides ZERO commission you get:

  • a free Visa Electron / MasterCard Standard debit Card

GeniusCont Junior

You’re under 18 years old





+besides ZERO commission you get:

  • a free Visa ElectronMasterCard Standard debit Card

How do you celebrate Happy Hour?


Payment account with basic services

If you’re looking for a Payments account with basic services that will allow you to make safe and efficient bank transactions, you’re in the right place!

What is a Payments account with basic services? 

The Payment account with basic services is a bank account available in LEI, that can be used to perform the following operations:

  • Cash deposits, incoming payments from other accounts;
  • Cash withdrawals, both at the counter or from ATMs;
  • Credit transfers, including those made through standing orders or online banking facilities;
  • Payment for utilities bills through Direct Debit;
  • Card payments to merchants, including online payments.

Payment account with basic services allows you to carry out an unlimited number of operations, using the features above.

The acces to, or the use of a Payment account with basic services is not limited, nor conditioned, by the purchase of additional products or services, such as overdraft, credit card and so on.

Who can get a Payment account with basic services?

You can apply for a Payment account with basic services if you respect the following conditions: you are a private individual, legal resident of the European Union; at the time of your application, you do not own any other payment account, at any credit institution in Romania, in LEI or other currency, including a Payment account with basic services or you own such an account but you have been notified of its closing.

You can also apply if you don’t have a permanent residence or a residence permit, if you are an asylum seeker or if your expulsion from the country is not possible.

What are the fees for the operations carried out with a Payment account with basic services?

The Payment account with basic services has two types of comissions, depending on your gross income, or the income from the last 6 months, related to the 60% threshold of the national gross wage average, which is 2.497 LEI (e.g, if you have earnings from salary, for a gross income of 2.497 Lei, the reported net income is 1.495 LEI)

You can read more about the legal conditions and fee charges here.

If you want even more benefits, see our GeniusCont offer, the current account in LEI with ZERO fees for: 


  • Monthly account maintenance and attached debit card;
  • Account cash deposits;
  • Mobile and Online Banking;
  • Cash withdrawal at any ATM in Romania;
  • Electronic payments to any bank in Romania.

Account switch service

Would you like your current account to come with more benefits, but you think that moving it from another Bank would be too time-consuming?

Opting for our Account Switch Service, you only need to take a single trip to the nearest UniCredit Bank branch and we will take care of the rest.


Account Switch Service benefits: 

  • You can transfer payments from any bank in Romania to UniCredit Bank, free of charge;
  • It’s fast and easy, you solve everything with just one visit by filling the Authorization form in any of our branches;
  • You can choose a GeniusCont current account suited for your needs, with ZERO commission for cash withdrawals at any ATM in Romania. More than that, you can benefit from currency exchange at NBR’s exchange rate within the limit of 1000 EUR/day, between 13:15 and 14:15, as well as many other benefits that we invite you to discover;
  • UniCredit Bank is in charge of all the necessary operations for the transfer to become effective in collaboration with your previous Bank.

Our Account Switch Service enables the transfer of: 

  • Direct debits for utility bills;
  • Standing orders;
  • Recurrent incoming payments, e.g. salary, rent, pension, social benefits;
  • Any positive balance remaining in your old account.

Also, apart from transferring services, you may require the closure of your current account with the previous Bank, without further formalities.

For more details regarding the work flow required for current account relationship transfer, please access the Guide for Account Switch Service.

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