GeniusCont current account
With the GeniusCont current account from UniCredit Bank,
you have ZERO fee for cash withdrawals from any ATM
and a Happy Hour exchange rate at the NBR published exchange rate*.
Your main benefits with ZERO fee through the GeniusCont current account from UniCredit Bank:
✔ LEI current account - ZERO administration fee;
✔ Debit card attached to the current account - ZERO fee for providing the debit card (maintenance) for one main debit card of your choice;
✔ Cash withdrawals - ZERO fee for cash withdrawals at any ATM in Romania and any ATM belonging to UniCredit group abroad;
✔ Sending money - ZERO fee for interbank and intra-bank payments to any bank in Romania, through Mobile Banking and Online Banking** (including through Standing order);
✔ Direct debit - ZERO fee for bills payments through Direct debit;
✔ Mobile Banking and Online Banking - ZERO fee for Mobile Banking and Online Banking maintenance**.
GeniusCont offers
GeniusCont from UniCredit Bank is the LEI current account that offers all the above mentioned benefits in case you have fulfilled the eligibility conditions valid for each trading offer, such as: age/monthly incomings in the account or savings-investments held with the Bank/performing a monthly payment: (i) with the debit card at the merchants (including online) OR (ii) electronic through Mobile or Online Banking ** OR (iii) through Direct debit service (Bill payments through Direct debit service are taken into account). Furthermore, depending on the GeniusCont transactional offer that suits you, you get additional benefits besides the main ones; these additional benefits are described below:
And if you use Mobile Banking or Online Banking** in order to access your GeniusCont current account, you have the following benefits:
Happy Hour Exchange Rate
that allows you to convert currency at the exchange rate published by NBR, up to EUR 1,000/transaction/day*
You get money back for the payment of utility bills
You receive 10 LEI/month for at least 3 invoices monthly paid*
+1 percentage point at the interest for the deposits in LEI
+0.15 percentage points at the interest for the deposits in USD
+0.05 percentage points at the interest for 12 months deposits in EUR
made through Mobile and Online Banking**
*Facilities offered in the ''GeniusCont Benefit Program'' for a period announced by the Bank, according to the conditions available on www.unicredit.ro, section Useful Documents. Exchange rate published by NBR – exchange rate calculated and published by NBR, on each banking day, at 13:00, based on the currency market rates.
**Online Banking – Internet banking type of service
***In the case of cash withdrawals abroad, the operators of the ATMs used may charge additional fees. Before you authorize the transaction, we recommend you to carefully read the messages that appear on the ATM screens, to make sure that you have been aware of the cash release conditions in such cases.
Payment account with basic services
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 LEI 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;
- 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.
If you want even more benefits, check out the GeniusCont offer, a LEI current account with ZERO fees for:
- Monthly account maintenance and providing the debit card (issuing and maintenance);
- Incomings;
- Sending money – Interbank and domestic payments to any bank in Romania, through Mobile Banking and Online Banking* (including through standing orders);
- Mobile and Online Banking* maintenance;
- Cash withdrawals at any ATM in Romania and at any ATM belonging to the UniCredit group abroad.
*Online Banking - Internet banking type service
Account switch service
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.