GeniusCont

current account










We know how important it is to have an account that can keep up with you. With your plans, which need fitting solutions. With your dreams, which need mobility. Based on these, we created GeniusCont current account with ZERO fees and multiple benefits included.

Discover the right GeniusCont current account offer for you, with free benefits:

  • Classic
  • Gold
  • Platinum

Classic

min 700 RON

income per month

Apply
Classic

  • Current account in RON
  • Visa Classic debit card
  • Mobile & Online Banking*
  • RON payments made to any bank in Romania via Mobile & Online Banking*
  • Direct debit in RON
  • Cash withdrawals in RON from any ATM in Romania
  • Free travel insurance for trips abroad***
  • Access to Bucharest, Timisoara and Cluj airport lounges
  • Free access to the VIP lounges of international airports with the Priority Pass card****
  • Free insurance for card protection*****

Gold

min 5.000 RON

income per month

Apply
Gold

  • Current account in RON and EUR
  • Visa Gold debit card
  • Mobile & Online Banking*
  • RON payments made to any bank in Romania via Mobile & Online Banking*
  • Direct debit in RON
  • Cash withdrawals in RON from any ATM in Romania and withdrawals abroad**
  • Free travel insurance for trips abroad***
  • Access to Bucharest, Timisoara and Cluj airport lounges
  • Free access to the VIP lounges of international airports with the Priority Pass card****
  • Free insurance for card protection*****

Platinum

min 20.000 RON

income per month

Apply
Platinum

  • Current account in EUR, USD, and GBP
  • Mastercard Platinum debit card
  • Mobile & Online Banking*
  • RON payments made to any bank in Romania via Mobile & Online Banking*
  • Direct debit in RON
  • Cash withdrawals in RON from any ATM in Romania and withdrawals abroad**
  • Free travel insurance for trips abroad***
  • Access to the Mastercard lounge in Henri Coanda International Airport
  • Free access to the VIP lounges of international airports with the Priority Pass card****
  • Free insurance for card protection****

How can you become eligible for the GeniusCont current account:

 

GeniusCont Clasic

 

✔Monthly income of at least RON 700 in the current account.
✔Make one payment per month via POS/online with the debit card or a payment via Online, Mobile Banking or the Direct Debiting service.
 

GeniusCont Gold

 

✔Monthly income of at least RON 5.000 in the current account OR deposit savings and investments with UniCredit of minimum RON 200,000.
✔Make one payment per month via POS/online with the debit card or a payment via Online, Mobile Banking or the Direct Debiting service.
 

GeniusCont Platinum

 

✔Monthly income of at least RON 20,000 in the current account OR deposit savings and investments with UniCredit of minimum RON 900,000.
✔Make one payment per month via POS/online with the debit card or a payment via Online, Mobile Banking or the Direct Debiting service.

In case you do not cumulatively meet the eligibility conditions for one of the above offers for 2 consecutive months, starting with the 3rd month you will be included in the Bank's Standard Offer. Details here.


In addition, you get to enjoy extra benefits:

Visa Gold
  • Air Refund – benefit from quick support to recover money, in case of delayed or cancelled flights.

  • The Visa Gold card provides access to a wide range of Premium offers at restaurants, shopping, IT, entertainment, medical services and many more.

Mastercard Platinum
  • Benefit from free insurance for online shopping, provided by Mastercard.

  • SanoPass - 15% cashback for all medical services available via the SanoPass platform******

With Mobile Banking or Online Banking, control your money fast and easy, directly from your devices. 

Just as you should be doing in 2021.

What’s more, your use of the Online, Mobile Banking services brings you even more benefits:

 

Happy Hour Exchange Rate

for foreign exchange according to the exchange rate of the NBR, for up to EUR 1,000/single transaction /day*******

+0.3 interest percentage points for RON deposits

+0.10 interest percentage points for 6- and 12-month deposits in USD 

+0.01 interest percentage points for 12-month deposits in EUR

made via Mobile and Online Banking*

The interest bonus is in addition to the standard interest provided by each branch office.

Other GeniusCont current account offers:

 
 

Offer with ZERO fees, dedicated to minors.

 

  Current account in RON

 Mastercard Young or Visa Classic debit card

 Mobile and Online Banking*

  RON payments made to any bank in Romania via Mobile & Online Banking*

  Direct debiting in RON*

  Cash withdrawal in RON from any ATM in Romania* 

 

 

*The service is not available if the card attached to the Junior current account is a Mastercard Young card

 

 

 
 

Offer with ZERO fees, dedicated to young people.

In order to take advantage of this offer, you must be between 18 and 24 and make one monthly payment via POS/ online with the debit card or via Online, Mobile Banking or by the Direct Debiting service.

 

  RON current account

  Visa Classic debit card

  Mobile & Online Banking*

  RON payments made to any bank in Romania via Mobile & Online Banking*

  Direct debiting in RON

  Cash withdrawals in RON from any ATM in Romania

 

 

 
 

Offer with ZERO fees, dedicated to retired persons.

In order to benefit from this offer, you need to collect your pension in the current account.

 

  RON current account

 Visa Classic debit card

  Mobile & Online Banking*

  RON payments made to any bank in Romania via Mobile & Online Banking*

  Direct debiting in RON

  Cash withdrawals in RON from any ATM in Romania

 

 

If you are looking for a Payment account with basic services that will allow you to carry out effective and safe banking transactions, you’ve come to the right place!

 
 
 

What is a Payments account with basic services?

The payment account with basic service is a bank account available in RON that can be used to carry out the following types of operations:

 

  Cash deposits, collections from other accounts;

  Cash withdrawals at the counter or at the ATM;

  Mobile & Online Banking*

 Sending money, including through a standing order, at the counter of through the bank’s online applications;

  The payment of utility bills through Direct Debit;

  Card payments at sellers, including online payments.

 

The payment account with basic services allows you to carry out an unlimited number of operations using the services provided above. The access to a payment account with basic services or using it are not limited to the acquisition of additional products or services, such as overdrafts, credit cards etc., and it is not conditioned by such.

Who can use the Payment account with basic services?

You may apply for the Payment account with basic services if you are a private individual, legal resident of the European Union and if, before applying for this type of account, you have not opened another payment account with a credit institution in Romania, in LEI or in a foreign currency, including a Payment account with basic services, or you do, but a notice regarding its closing was sent.

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.

How are the operations carried out through the Payment account with basic services charged?

The payment account with basic services has two types of comissions, depending on your gross monthly income or on the income in the last 6 months, framed according to a threshold of 60% of the national gross wage average , respectively LEI 3,257 (for instance, if you collect salary income, for a gross income of LEI 3,257, the net income is LEI 1,916).

You can read more about the legal conditions and the charged fees here.

Do you want more benefits for your current account, but you think that moving to another bank would take too much time?

Through the Account Switch Service, you only need a single trip to your closest UniCredit Bank branch and we will handle the rest.

Account Switch Service benefits:

  • You can transfer your payment services from any bank in Romania to UniCredit Bank, free of charge;
  • It is quick and easy, you can get it done with a single trip by filling in the Authorization form at any of our branches;
  • You choose a GeniusCont current account fit for your needs, with ZERO fee for cash withdrawals from any ATM in Romania. Furthermore, you can also convert currency at the exchange rate published by NBR, up to EUR 1,000 per day, between 13:15 and 14:15, and many other facilities that we invite you to discover;
  • UniCredit Bank carries out all the operations required for the transfer, in collaboration with the bank that you’re moving from (“the previous bank”).

Our Account Switch Service enables the transfer of:

  • The direct debit mandate for the payment of utility bills;
  • Standing orders;
  • Recurrent incoming payments (for instance, salaries, rents, pensions, social services);
  • Any positive balance remaining in the old account.

 

Furthermore, besides the transfer of services, you can also request the closing of the current account opened with the previous bank, without other formalities.

For more details regarding the flow necessary for current account relations, please access the Guide for Account Switch Service.

 

Account Porting Form

Fill in and sign the form and bring it to the closest UniCredit Bank branch!


*Online Banking - Internet banking service.

**In case of cash withdrawals abroad, the operators of the ATMs you use can charge additional fees. Prior to authorisation of the transaction, please read carefully the messages on the ATM screen to make sure you are aware of the conditions to withdraw cash in such circumstances.

***Free travel insurance for trips abroad represents a benefit provided to Visa Gold/MasterCard Platinum credit card users, regardless of the observance of eligibility conditions mentioned above. In order to benefit from the insurance, you must make a travel-related payment (transport and/or accommodation) prior to the travel to the destination. Please find full details on the travel insurance for trips abroad here.

****With the Priority Pass card, you get free access to the VIP lounges in international airports, the benefit being association to the MasterCard Platinum card, regardless of the observance of eligibility conditions above. Please find more details on the Priority benefits here.

*****Free insurance for card protection is valid for the activated Mastercard Platinum cards, regardless of the observance of eligibility conditions mentioned above. Please find full details on the insurance for card protection here.

******SanoPass provides access to free consultations and investigations for General Medicine, Internal Medicine, Dentistry and Laboratory Tests, in over 850 clinics and at over 10,000 doctors nationwide. Offer valid until 31.12.2021. Please find more details here.

*******Facility provided within the GeniusCont Benefit Programme - Happy Hour Exchange Rate for a period notified by the Bank, according to the terms and conditions available on www.unicredit.ro, the Useful documents section. Exchange rate published by the NBR – the exchange rate calculated and published by the NBR, in each banking day, at 01:00 pm, according to the quotations on the foreign exchange market.

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