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Useful information about Debit Cards

Visa Classic

The Visa Classic debit card with contactless technology offers you access to as well as permanent and total control over your account from anywhere in the country or abroad.

 

  • You can shop anywhere in the world, including online stores, in a safe and comfortable way that’s free of fees;
  • You can enjoy contactless payments for purchases of up to 100 lei in Romania or up to 50 euros (or equivalent) abroad, for which you no longer need to enter your PIN;
  • You have 24/7 access to your current account for cash withdrawals at ATMs throughout the country and abroad;
  • You can minimize extra trips by paying your utilities with your card directly at an UniCredit Bank ATM;
  • You can withdraw cash from a POS (at  the same time as a transaction) at certain stores that use a UniCredit Bank POS or at other banks that provide this service;
  • You can get discounts at the UniCredit Bank partner stores, through the ShopSmart program;
  • If you receive your salary on a card, you can opt for our overdraft service that offers you up to 6 net salaries;
  • You can opt for supplementary cards, and limit access to the funds available in your current account by personalizing daily transaction limits.
Services
  • Set up or change your PIN through a simple phone call to the Info Center or by using any UniCredit Bank ATM;
  • See the last 10 transactions on your current account at any time through the mini-statements, available at UniCredit Bank BNAs;
  • Cash deposits at UniCredit Bank ATMs;
  • Balance inquiry at the ATM (in the country and abroad) or at the POS (at the UniCredit Bank partner stores);
  • Mail Order/ Telephone Order (MOTO) - transactions through which card information is sent via telephone or e-mail and can only be performed if there is a specific separate agreement.

 

How much does it cost?
MONTHLY CARD ADMINISTRATION FEE
Main card 0
Supplementary Card 3 LEI
TRANSACTION FEES
POS/Internet transaction, national/international 0
Cash withdrawal at ATM in UniCredit Group network* 0 LEI1 / 0,5% min 3 LEI
Cash withdrawal at ATM in other’s banks network in Romania 01,5% min 7 Lei
Cash withdrawal at ATM in other’s banks network from abroad 01,5% min 7 Lei
Cash desk usage fee 2,5% + 7 LEI
Balance enquiry at ATM in UniCredit Group network 0 LEI
Balance enquiry at ATM in other’s banks network (in Romania or abroad) 5 LEI
Quasi-cash transaction 2,5% + 7 LEI
Cash Back POS transaction (cash withdrawal at POS) 1 LEI
Card replacement (lost, stolen, damaged, change of name) 20 LEI
Expired card renewal 20 Lei
Unjustified chargeback 30 LEI
Currency convertion fee3 1%
TRANSACTION LIMITS
Limit of transaction at POS/Internet/day 4000 LEI
Limit of transaction at ATM 4000 LEI
Daily transaction number at POS (or internet)/ATM 10

1The commission is 0 for customers who fall into one of the following categories: a) they are minors or b) they are between 18-24 years old and make at least one monthly payment: (i) by card at merchants (including online) OR (ii) electronics through Mobile or Internet Banking OR (iii) through the Direct Debit service or c) collects monthly income of min. 700 LEI / equivalent in foreign currency in the current account and make at least one monthly payment: (i) by card to merchants (including online) OR (ii) electronically through Mobile or Internet Banking OR (iii) through the Direct Debit service or d) collects monthly pension in the current account;

2The commission is 0 for clients who receive monthly income of min. 5,000 LEI / equivalent in foreign currency in the current account or hold min. 200,000 LEI / equivalent in foreign currency in savings and investments and make at least one monthly payment: (i) by card to merchants (including online) OR (ii) electronics through Mobile or Internet Banking OR (iii) through the Direct Debit service.

3Applicable for international transactions performed in other currency than EUR, at the exchange rate used by Cards Organizations (Visa/MasterCard) to performed currency exchange between the original transaction currency and the settlement currency (EUR).

* UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Serbia, Slovakia, Slovenia, Turkey, Ukraine.

Safety
  • 3D Secure service – for secure online payments;
  • Info SMS - an application that keeps you aware of all transactions associated with your card, directly on your mobile phone.

Visa Gold

Apart from permanent access and control over your money, the Visa Gold debit card with contactless technology offers special benefits that can only be enjoyed by Visa Gold cardholders.

 

  • You can shop anywhere in the world, including online stores, in a safe and comfortable way that’s free of fees;
  • You can enjoy contactless payments for purchases of up to 100 lei in Romania or up to 50 euros (or equivalent) abroad, for which you no longer need to enter your PIN;
  • You have 24/7 access to your current account for cash withdrawals at ATMs throughout the country and abroad;
  • You can minimize extra trips by paying your utilities with your card directly at an UniCredit Bank ATM;
  • You can withdraw cash from a POS (at the same time as a transaction) at certain stores that use a UniCredit Bank POS or at other banks that provide this service;
  • You can get discounts at UniCredit Bank partner stores through the ShopSmart program;
  • If you receive your salary on a  card, you can opt for our overdraft service  that offers you up to 6 net salaries;
  • You can opt for supplementary cards and limit access to the funds available in your current account by personalizing daily transaction limits.
Exclusive Benefits
  • Travel abroad insurance. More details here.
  • You have free access to the Business Lounges in Bucuresti, Timisoara and Cluj - You can access the lounges of any of the three airports up to 3 times during a year, if you have a Visa Gold card and if you made card payments at POS worth at least 300 lei, in the last 90 days (up to a maximum of 24 hours before entering the lounge). More details here.
  • "Air Refund" - offers you: complete assistance service, compensation of up to 600 Euro for each incident, zero commission for unresolved cases, reduced commission compared to the standard one, if the request has been successfully resolved. To start the procedure for requesting the amount for your flight, please access here.
  • Access to a wide range of Premium offers, from a variety of fields: restaurants, shopping, IT, entertainment, medical services and much more. More information can be found here.
Services
  • Set up or change your PIN code through a simple call to the Info Center or by using any UniCredit Bank ATM;
  • In the case of a lost or stolen card, you have access to emergency services abroad such as: The service is provided by Visa Global Customer Care Services, and available by calling the assistance center at the toll free number 001.303.967.1096
  • See the last 10 transactions on your current account at any time through the mini-statements, available at UniCredit Bank ATMs;
  • Cash deposits at UniCredit Bank BNAs;
  • Balance inquiry at ATMs (in the country and abroad) or at a UniCredit partner store’s POS;
  • Mail Order/ Telephone Order (MOTO) - transactions through which card information is sent via telephone or e-mail and can only be performed if there is a specific separate agreement.
How much does it cost?
MONTHLY CARD ADMINISTRATION FEE
Main card 02 / 19 lei
Supplementary Card 14 LEI
TRANSACTION FEES
POS/Internet transaction, national/international 0
Cash withdrawal at ATM in UniCredit Group network* 0 LEI1 / 0,5% min 3 LEI
Cash withdrawal at ATM in other’s banks network in Romania 01/ 1,5% min 7 Lei
Cash withdrawal at ATM in other’s banks network from abroad 02/ 1,5% min 7 Lei
Cash desk usage fee 2,5% + 7 LEI
Balance enquiry at ATM in UniCredit Group network* 0 LEI
Balance enquiry at ATM in other’s banks network (in Romania or abroad) 5 LEI
Quasi-cash transaction 2,5% + 7 LEI
Cash Back POS transaction (cash withdrawal at POS) 1 LEU
Card replacement (lost, stolen, damaged, change of name) 20 LEI
Expired card renewal 20 Lei
Unjustified chargeback 30 LEI
Currency convertion fee3 1%
Emergency card return abroad4 50 EUR
Emergency card replacement abroad4 150 EUR
Emergency cash disbursement abroad4 100 EUR
TRANSACTION LIMITS
Limit of transaction at POS/Internet/day 8000 LEI
Limit of transaction at ATM 8000 LEI
Daily transaction number at POS (or internet)/ATM 10

1The commission is 0 for customers who fall into one of the following categories: a) they are minors or b) they are between 18-24 years old and make at least one monthly payment: (i) by card at merchants (including online) OR (ii) electronics through Mobile or Internet Banking OR (iii) through the Direct Debit service or c) collects monthly income of min. 700 LEI / equivalent in foreign currency in the current account and make at least one monthly payment: (i) by card to merchants (including online) OR (ii) electronically through Mobile or Internet Banking OR (iii) through the Direct Debit service or d) collects monthly pension in the current account;

2The commission is 0 for clients who receive monthly income of min. 5,000 LEI / equivalent in foreign currency in the current account or hold min. 200,000 LEI / equivalent in foreign currency in savings and investments and make at least one monthly payment: (i) by card to merchants (including online) OR (ii) electronics through Mobile or Internet Banking OR (iii) through the Direct Debit service.

3Applicable for international transactions performed in other currency than EUR, at the exchange rate used by Cards Organizations (Visa/MasterCard) to performed currency exchange between the original transaction currency and the settlement currency (EUR).

4LEI equivalent at Bank’s exchange rate available at the fee posting date. The value of Visa/MasterCard fees is modified based on company policy. Starting with the modification date, it will be applied the new values communicated by Cards Organizations and, in this case, the Bank is not obliged to send a prior notice to the customer.

* UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Serbia, Slovakia, Slovenia, Turkey, Ukraine.

Safety
  • You have free travel insurance abroad if you pay at least one of your traveling expenses with your Visa Gold card in advance. Please see the General terms of insurance for travelling abroad in the "Useful Documents" section;
  • 3D Secure service – for secure online payments;
  • Info SMS - an application that keeps you aware of all transactions associated with your card, directly on your mobile phone.

 

Mastercard Young

The debit card Mastercard Young is the optimal payment instrument for children aged 6-18 years old.

  • With Mastercard Young, children learn to manage their own money in the current account supplied by the parents, and even to save money;
  • Mastercard Young is developed for children aged 6 to 18 years old and it can be issued in RON, EUR and USD;
  • With Mastercard Young you have access to Online and Mobile Banking applications, in order to view anytime the transactions in your account;
  • Both, Online and Mobile banking applications are available for parents and children. For a plus of safety, the parents have additional rights regarding the possible amendments to be done on Online or Mobile Banking. For example, they can modify the daily transactions’ limits or they can refuse the online payment;
  • Safe shopping! This debit card cannot be used to withdraw cash at the ATM or for any type of shopping that may be inappropriate for children;
  • You can enjoy contactless payments for purchases of up to 100 lei in Romania or up to 50 euros (or equivalent) abroad, for which you no longer need to enter your PIN;
  • The card’s limit for daily shopping can be amended by parents via Mobile/Online Banking, from RON 200/day as it is currently set.
  • ZERO fees – this card is attached to the GeniusCont Junior current account, with zero management costs for the RON account;
  • Your child can save via transfer to a Junior Savings account, with an advantageous monthly interest rate!
Services
  • The set up or change of PIN can be done by both, parent and child, through a simple phone call to the Info Center or by using any UniCredit Bank ATM;
  • View the last 10 transactions on your current account at any time, through the mini-statements, available at UniCredit Bank ATMs;
  • Cash deposits at UniCredit Bank BNAs;
  • Balance inquiry at the ATM (in the country and abroad) or at POS (at the UniCredit Bank partner stores);
  • Through Mobile Banking, the card can be instantly blocked or unblocked.

 

How much does it cost?
ANNUAL CARD ADMINISTRATION FEE
Main card1 0 commission for cards in all currencies (lei, EUR, USD)
Supplementary card unavailable option
TRANSACTION FEES
POS/Internet transaction, national/international 0
Balance enquiry at ATM in UniCredit Group network* 0 lei
Balance enquiry at ATM in other’s banks network (in Romania or abroad) 2,5 lei
Card replacement (lost, stolen, damaged, change of name) 20 lei
Expired card renewal 20 Lei
Unjustified chargeback 30 lei
Currency convertion fee2 1%
TRANSACTION LIMITS
Limit of transaction at POS/Internet/day 200 lei
Limit of transaction at ATM unavailable option
Daily transaction number at POS (or internet) 10

1The Card MasterCard Young can be attached only to Junior Current Account;

2 Applicable for international transactions performed in other currency than Euro, at the exchange rate used by Cards Organizations (Visa/MasterCard) to perform currency exchange between the original transaction currency and the settlement currency (Euro);

*The UniCredit Group is present in the following countries: Romania, Italia, Austria, Germania, Bosnia - Hertegovina, Bulgaria, Croatia, Cehia, Ungaria, Polonia, Rusia, Serbia, Slovacia, Slovenia, Turcia, Ucraina.

Safety
  • 3D Secure service - for secure online payments;
  • Info SMS - an application that keeps you aware of all transactions associated with your card, directly on your mobile phone. For more details, please consult our fees and interest rates.

Mastercard Platinum

The Mastercard Platinum debit card with contactless technology will be your partner in exploring the most select shops and destinations in the world. It is the key to unforgettable services and experiences, to places and brands synonymous with style and refinement, wherever you are in the world!

 

  • Shop anywhere in the world, including on the Internet, safe and convenient, without commission;
  • You can enjoy fast payments for purchases of up to 100 lei in Romania or up to 50 euros (or equivalent) abroad, for which it is no longer necessary to enter the PIN code;
  • You have non-stop access to the current account for cash withdrawals from the ATM, in the country and abroad;
  • You pay utility bills directly with the card at the UniCredit Bank ATMs;
  • Withdraw cash at the POS (at the same time as performing a card payment transaction) to a merchant using a UniCredit Bank POS or another bank that allows this service. The conditions of the Cash-Back service at POS are available in the "Useful Documents" section;
  • Benefit from discounts at UniCredit Bank partner merchants through the ShopSmart program;
  • You can request the issuance of additional cards, with the option of limiting access to the funds available in the current account by customizing daily trading limits;
  • If you receive your salary on the card you can opt for our overdraft service  that offers you up to 6 net salaries.
Exclusive Benefits
  • Priority Pass Card - free access in over 1200 VIP lounges of international airports; In Romania, the Priority Pass membership card offers access to the Business Lounges of the airports in Cluj-Napoca and Timisoara; More informations you can find here;
  • Free access to the Mastercard Business Lounge at Henri Coanda Otopeni and Vienna airports;
  • The Premium Mastercard Offers program, in which each payment with the card at the partner locations is a memorable experience, associated with a gift, discount or priceless moments.
  • Travel abroad insurance. More details here.
  • "Card protection" insurance, details here.
  • Free insurance for online shopping, offered by Mastercard, at any merchant registered in the European Union, Great Britain, Norway or Switzerland, for purchases paid with a Mastercard Platinum card. Insurance includes:
    • Extended warranty (up to 1500 €) — one (1) extra year of manufacturer’s warranty on home appliances and electronics such as smartphones and laptops.
    • Best price protection (up to € 1,500) - refund of the difference between the product purchase price and a lower price for the same product found at another online store within 30 days of purchase (minimum single product price: 50 €, minimum price difference: 50 €)
    • Purchase protection (up to 1500 €) — protection against product theft or accidental damage at the place of residence within 30 days of purchase

More details can be found here.

  • SanoPass* - Mastercard Platinum cardholders benefit, exclusively, from 15% cashback for all medical services through the SanoPass platform and premium customers have 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.

*The offer is valid until 31.12.2021. Complete information about the offer can be found here.

 

Services
  • Set up or change the PIN code you choose, by simply calling the Info Center, following the instructions of the robot or at any UniCredit Bank ATM;
  • You have access to emergency services abroad in case of card loss / theft for cash release or card replacement; the service is provided by the Mastercard Assistance Center, calling 001.800.627.8732;
  • See the last 10 transactions on your current account at any time through the mini-statements, available at UniCredit Bank ATMs;
  • Cash deposits at UniCredit Bank BNAs;
  • Balance query at ATM (in the country or abroad) or at a UniCredit partner store’s POS;
  • Mail Order/ Telephone Order (MOTO) - transactions through which card information is sent via telephone or e-mail and can only be performed if there is a specific separate agreement.

 

How much does it cost?

The Mastercard Platinum Card can be issued free of charge, with ZERO administration fee and ZERO commission at any ATM, anywhere in the world, if the conditions of the GeniusCont Platinum transaction offer are met.

MONTHLY CARD ADMINISTRATION FEE

Main card

02/ 49 Lei

Supplementary Card

24 LEI

TRANSACTION FEES

POS/Internet transaction, national/international

0

Cash withdrawal at ATM in UniCredit Group network*

0 Lei / 0,5% min 3 LEI

Cash withdrawal at ATM in other’s banks network in Romania

01/ 1,5% min 7 Lei

Cash withdrawal at ATM in other’s banks network from abroad

02/ 1,5% min 7 Lei

Cash withdrawal at ATM in UniCredit Group (in Romania and abroad) and Euronet in Romania Network

0,2% min 0,5LEI

Cash desk usage fee

2,5% + 7 LEI

Balance enquiry at ATM in UniCredit Group network*

0 LEI

Balance enquiry at ATM in other’s banks network (in Romania or abroad)

5 LEI

Quasi-cash transaction

2,5% + 7 LEI

Cash Back POS transaction (cash withdrawal at POS)

1 LEU

Card replacement (lost, stolen, damaged, change of name)

20 LEI

Expired card renewal

20 Lei

Unjustified chargeback

30 LEI

Currency conversion fee3

1%

Emergency card return abroad4

50 EUR

Emergency card replacement abroad4

150 EUR

Emergency cash disbursement abroad4

100 EUR

TRANSACTION LIMITS

Limit of transaction at POS/Internet/day

20000 LEI

Limit of transaction at ATM

20000 LEI

Daily transaction number at POS (or internet)/ATM

20

1The commission is 0 for customers who fall into one of the following categories: a) they are minors or b) they are between 18-24 years old and make at least one monthly payment: (i) by card at merchants (including online) OR (ii) electronics through Mobile or Internet Banking OR (iii) through the Direct Debit service or c) collects monthly income of min. 700 LEI / equivalent in foreign currency in the current account and make at least one monthly payment: (i) by card to merchants (including online) OR (ii) electronically through Mobile or Internet Banking OR (iii) through the Direct Debit service or d) collects monthly pension in the current account;

2The commission is 0 for clients who receive monthly income of min. 5,000 LEI / equivalent in foreign currency in the current account or hold min. 200,000 LEI / equivalent in foreign currency in savings and investments and make at least one monthly payment: (i) by card to merchants (including online) OR (ii) electronics through Mobile or Internet Banking OR (iii) through the Direct Debit service.

3Applicable for international transactions performed in other currency than EUR, at the exchange rate used by Cards Organizations (Visa/MasterCard) to performed currency exchange between the original transaction currency and the settlement currency (EUR).

4LEI equivalent at Bank’s exchange rate available at the fee posting date. The value of Visa/MasterCard fees is modified based on company policy. Starting with the modification date, it will be applied the new values communicated by Cards Organizations and, in this case, the Bank is not obliged to send a prior notice to the customer.

* UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Poland, Russia, Serbia, Slovakia, Slovenia, Turkey, Ukraine.

Euronet is a payment processor that owns an independent ATM network in Rpmania, is  a UniCredit Bank partner.

Safety
  • Complex protection program - free insurance covering various events. It is comforting to know that you are protected, no matter what unforeseen situations may arise. From emergency medical expenses, to delayed / lost luggage or to protect the price and purchases made through the card. Consult the general insurance conditions for travel abroad in the section Useful Documents";
  • 3D Secure service – for secure online payments;
  • Info SMS - an application that keeps you aware of all transactions associated with your card, directly on your mobile phone.
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