• 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 5 net salaries;
• You can opt for supplementary cards and limit access to the funds available in your current account by personalizing daily transaction limits.

You can get free delivery of the card, right at your home! All you need is a mobile phone number registered in a mobile phone network in Romania and make sure that the delivery address is in the territorial coverage area, which you can check here

• 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.

• 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 or online worth at least 5000 lei, in the last 30 days (up to a maximum of 96 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.
  
• Sanopass – the mobile application that grants you access to the biggest network of partner clinics, over 900 medical clinics and over 10.000 medics. You benefit from a 10% cashback for medical services and other benefits. Further details are available here.
• Mobile phone and smartwatch insurance - you benefit from accidental damage to your mobile phone and smartwatch, for 18 months after purchase. The goods are repaired / replaced or the repair / replacement costs are reimbursed up to a limit of EUR 400. To notify an event, contact the insurer at +40 21 7961363. Further details are available here.
• Multi appliance protection - benefits of extended warranty insurance with 24 months for “white electronics” and appliances, such as: washing machine / dishwasher, refrigerator, oven and others, you can make repairs up to 200 EUR / good for maximum 6 goods. To notify an event, contact the insurer at +40 21 7961363. Further details are available here.
• Doctor Chat online medical assistance - you benefit from fast assistance, in Romanian, from accredited doctors, unlimited 24/7, on the most popular applications (WhatsApp, Viber, Telegram, SMS, and others) and assistance in making informed decisions in times of uncertainty. Further details are available here. In order to access this benefit, please send e-mail to ROUCBInsuranceHO@unicredit.ro.

• 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.

You can apply online and we will contact you shortly, you can call our Info Center (+4021 200 20 20), or you can visit one of our branches.

Details on costs can be found in the Tax and Commissions Annex, available here.

Can I make secure online payments with UniCredit Bank debit cards?

Online payments with UniCredit Bank debit cards are subjected to maximum security conditions through the 3D secure service. Applicable only to websites without specific restrictions.

What card information is required for online payments?

For online payments, the following information is  required:

• Type of card;
• Name as it appears on the card;
• Card number (the 4 groups of 4-digit on the card);
• Card expiry date (below the card number, written in the format mm/yy);
• CVV number (for Visa) / CVC number (for MasterCard)(the 3-digit code written on the back of the card);
• 3D Secure password, if asked.

Can I cancel a card payment?

If the transaction has not been settled, that is, if it is still processing, you can cancel it by contacting the store. These types of transactions cannot be canceled by contacting the bank.

If the transaction has been settled, that is, if it appears on your account statement, you can dispute it with the bank.  The bank will try to recover the amount from the store, via the store’s bank through an operation called “chargeback”.

What are the cards transaction limits and how can I modify (increase/decrease) them?

• Card transaction limits are different depending on the type of card, as well as the type of transaction.
• You can increase or decrease the daily transaction limit as you wish by calling the Info Center at +4021 200 20 20 or at *2020 from your mobile phone or through our online banking services.

How do I block my card?

The card can be blocked instantly from the Mobile Banking application or by calling the Info Center service at 021 200 20 20 or * 2020 (from your mobile), non-stop available. Download the Mobile Banking application from the App Store or Google Play and discover all the benefits. More details in the section dedicated to Mobile Banking.

Is the card renewed automatically?

If the card is used on a regular basis, its renewed automatically and sent to your bank branch 30 days before the  date it expires (cards expire at the end of the month written on it).

How do I cancel a card?

To cancel a card attached to an account, visit your nearest UniCredit Bank branch.