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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 Discountry 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 ATMs;
  • 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?
ANNUAL CARD ADMINISTRATION FEE
Main card 25 LEI
Supplementary Card 25 LEI
TRANSACTION FEES
POS/Internet transaction, national/international 0
Cash withdrawal at ATM in UniCredit Group network* 0 LEI1 / 0,2% min 0,5 LEI
Cash withdrawal at ATM in other’s banks network in Romania 1,5% min 7 Lei
Cash withdrawal at ATM in other’s banks network from abroad 1.5% min 7 Lei 
Cash desk usage fee 2,5% + 7 LEI
Balance enquiry at ATM in UniCredit Group network* 0 LEI1 / 0,3 LEI
Balance enquiry at ATM in other’s banks network (in Romania or abroad) 2,5 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
Unjustified chargeback 30 LEI
Currency convertion fee2 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 fee has the value 0 (zero) if recurrent incomes are received into a current account opened at the Bank. Recurrent income means the income that cumulatively fulfils the following conditions: (i) comes from salary, pension, independent activities, rents or other such legitimate sources. As an example, the recurring income is not represented by amounts received from another account belonging to the Client, opened at the Bank, the amounts received from matured deposits and/or their respective interests, the amounts received from loans granted by the Bank etc.; (ii) is received with monthly recurrence; (iii) is of at least 700 Lei/current account/month, except for incomes from pensions received from the National House of Public Pensions, for which there is no limit amount.

The fee does not have the value 0 (zero), applying the alternate value mentioned in the Annex, in the following cases: (i) the Client has not opted for the recurrent income current account, in which case the alternate value is applied from the date when the agreement is concluded; (ii) the Client has opted for the recurrent income current account, but for 3 consecutive months he does not receive recurrent incomes in the current account, in which case the alternate value is applied starting with the 4th month, after the 10th of the respective month.  In both cases, if the Client starts to receive recurrent incomes in the current account for 3 consecutive months, the fee is reset to 0, starting with the 4th month, after the 10th of the respective month.

 

* UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia-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 Discountry 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

You have access to Visa Luxury Hotels - a selection of the most elegant hotels from all over the world; this program provides exclusive benefits only for Visa Gold cardholders:

  • VIP Guest status;
  • The best available rate guarantee;
  • Automatic room upgrade upon arrival whenever possible;
  • Complimentary continental breakfast;
  • Complimentary in-room Wi-Fi and valet parking when available;
  • 3 PM check-out upon request;
  • 25 American dollars food or beverage voucher.

More benefits offered by Visa 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 ATMs;
  • 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?
ANNUAL CARD ADMINISTRATION FEE
Main card 200 LEI
Supplementary Card 140 LEI
TRANSACTION FEES
POS/Internet transaction, national/international 0
Cash withdrawal at ATM in UniCredit Group network* 0 LEI1 / 0,2% min 0,5 LEI
Cash withdrawal at ATM in other’s banks network in Romania 1,5% min 7 Lei
Cash withdrawal at ATM in other’s banks network from abroad 1.5% min 7 Lei 
Cash desk usage fee 2,5% + 7 LEI
Balance enquiry at ATM in UniCredit Group network* 0 LEI1 / 0,3 LEI
Balance enquiry at ATM in other’s banks network (in Romania or abroad) 2,5 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
Unjustified chargeback 30 LEI
Currency convertion fee2 1%
Emergency card return abroad 50 EUR
Emergency card replacement abroad 150 EUR
Emergency cash disbursement abroad 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 fee has the value 0 (zero) if recurrent incomes are received into a current account opened at the Bank. Recurrent income means the income that cumulatively fulfils the following conditions: (i) comes from salary, pension, independent activities, rents or other such legitimate sources. As an example, the recurring income is not represented by amounts received from another account belonging to the Client, opened at the Bank, the amounts received from matured deposits and/or their respective interests, the amounts received from loans granted by the Bank etc.; (ii) is received with monthly recurrence; (iii) is of at least 700 Lei/current account/month, except for incomes from pensions received from the National House of Public Pensions, for which there is no limit amount.

The fee does not have the value 0 (zero), applying the alternate value mentioned in the Annex, in the following cases: (i) the Client has not opted for the recurrent income current account, in which case the alternate value is applied from the date when the agreement is concluded; (ii) the Client has opted for the recurrent income current account, but for 3 consecutive months he does not receive recurrent incomes in the current account, in which case the alternate value is applied starting with the 4th month, after the 10th of the respective month.  In both cases, if the Client starts to receive recurrent incomes in the current account for 3 consecutive months, the fee is reset to 0, starting with the 4th month, after the 10th of the respective month. 


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).

 

 

* UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia-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 Standard

An embossed card, easy to use when you go shopping or when you make banking transactions, 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 a 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 Discountry 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 code through a simple 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 ATMs;
  • Cash deposits at UniCredit Bank ATMs;
  • Balance inquiry at ATMs (in the country and abroad) or at an the UniCredit Bank 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?
ANNUAL CARD ADMINISTRATION FEE
Main card 25 LEI
Supplementary Card 25 LEI
TRANSACTION FEES
POS/Internet transaction, national/international 0
Cash withdrawal at ATM in UniCredit Group network* 0 LEI1 / 0,2% min 0,5 LEI
Cash withdrawal at ATM in other’s banks network in Romania 1,5% min 7 Lei
Cash withdrawal at ATM in other’s banks network from abroad 1.5% min 7 Lei 
Cash desk usage fee 2,5% + 7 LEI
Balance enquiry at ATM in UniCredit Group network* 0 LEI1 / 0,3 LEI
Balance enquiry at ATM in other’s banks network (in Romania or abroad) 2,5 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
Unjustified chargeback 30 LEI
Currency convertion fee2 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 fee has the value 0 (zero) if recurrent incomes are received into a current account opened at the Bank. Recurrent income means the income that cumulatively fulfils the following conditions: (i) comes from salary, pension, independent activities, rents or other such legitimate sources. As an example, the recurring income is not represented by amounts received from another account belonging to the Client, opened at the Bank, the amounts received from matured deposits and/or their respective interests, the amounts received from loans granted by the Bank etc.; (ii) is received with monthly recurrence; (iii) is of at least 700 Lei/current account/month, except for incomes from pensions received from the National House of Public Pensions, for which there is no limit amount.

The fee does not have the value 0 (zero), applying the alternate value mentioned in the Annex, in the following cases: (i) the Client has not opted for the recurrent income current account, in which case the alternate value is applied from the date when the agreement is concluded; (ii) the Client has opted for the recurrent income current account, but for 3 consecutive months he does not receive recurrent incomes in the current account, in which case the alternate value is applied starting with the 4th month, after the 10th of the respective month.  In both cases, if the Client starts to receive recurrent incomes in the current account for 3 consecutive months, the fee is reset to 0, starting with the 4th month, after the 10th of the respective month.

 

* UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia-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.

 

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 ATMs;
  • 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
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 Discountry 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;
  • 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.

 

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 ATMs;
  • 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.

ANNUAL CARD ADMINISTRATION FEE

Main card

500 LEI

Supplementary Card

250 LEI

TRANSACTION FEES

POS/Internet transaction, national/international

0

Cash withdrawal at ATM in UniCredit Group network*

0,2% min 0,5 LEI

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

1,5 %, min 7 LEI

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

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)

2,5 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

Unjustified chargeback

30 LEI

Currency conversion fee1

1%

Emergency card return abroad2

50 EUR

Emergency card replacement abroad2

150 EUR

Emergency cash disbursement abroad2

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

 

1It is applicable for international transactions made with the card when the currency of the transaction is different from the Euro, at the exchange rate at which the Card Organization (Visa / Mastercard) carries out the currency exchange

2Equivalent in Lei to the Bank's exchange rate on the day of the commission posting. The value of MasterCard commissions changes depending on the policy of these companies. From the date of the modification, the new values ​​communicated by the Card Organization will be applied, the Bank not being obliged to notify the client in advance.

* UniCredit Group is present in the following countries: Romania, Italy, Austria, Germany, Bosnia-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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