It takes a few days to start a business.  

It only takes a few minutes to open its bank account.

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Now, you can open your first business current account in RON online, quickly and easily, directly from the Business Mobile app.

100k+ Downloads 4.77  1.3k Reviews

 

Select the platform from which you would like to download and install the Business Mobile app:

Castiga pana la 1000 de lei cashback

 

We want to help you grow. We want you to succeed. We want you to shine. That’s why we created the MICROSTAR Package, specially designed to meet your business needs.

Choose financial freedom, lower costs, and full control. The standard price of the MICROSTAR Package is RON 49/month. However, if you meet the campaign conditions*, you will receive a RON 600 reward to cover any related costs. In practice, this can offset the standard package fee for approximately one year.

* For details, please refer to the “Welcome, Digital Entrepreneur! 2026” Campaign Rules here. The campaign is valid until 31 December 2026.

WHAT CONDITIONS DO YOU NEED TO MEET:

If you are a sole proprietor (PFA), an Individual Enterprise, or a company with an annual turnover of up to EUR 3 million (RON equivalent) registered with the Trade Register, and you are the sole shareholder, legal representative, and beneficial owner of the funds, as well as a Romanian citizen, UniCredit Bank’s current account package offers you every reason to choose it for your business:

 

Optimized transaction costs

 

A comprehensive range of products and services to support your daily business activities

 

Services tailored to your business needs

BUSINESS CURRENT ACCOUNT PACKAGES:

Creativ

FREE IN THE FIRST YEAR*

  • 1 RON current account
  • 1 foreign currency current account (EUR and/or USD)
  • 1 Mastercard Business Silver debit card
  • Access to Business Mobile with Mobile Token included, and BusinessNet Basic
  • Unlimited intrabank payments in RON and foreign currencies
  • 3 interbank payments per month in RON
  • 3 cash withdrawals per month at UniCredit Bank, UniCredit Group, and Euronet Romania ATMs

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MicroStar

RON 49/month

  • 2 RON current accounts
  • 2 foreign currency current accounts (EUR and/or USD)
  • 1 Mastercard Business Gold debit card
  • Access to Business Mobile with Mobile Token included, and BusinessNet Professional
  • Unlimited intrabank payments in RON and foreign currencies
  • 10 interbank payments per month in RON
  • Unlimited cash withdrawals at UniCredit Bank, UniCredit Group, and Euronet Romania ATMs

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Genius IMM PRO

RON 40/month

  • 2 RON current accounts
  • 2 foreign currency current accounts (EUR and/or USD)
  • 1 Mastercard Business Gold debit card
  • Access to Business Mobile with Mobile Token included, and BusinessNet Basic
  • Unlimited intrabank payments in RON and foreign currencies
  • 5 interbank payments per month in RON
  • Unlimited cash withdrawals in RON at UniCredit Bank, UniCredit Group, and Euronet Romania ATMs

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The current account package available for your business is determined based on your declared annual turnover: Creativ for annual turnover of up to EUR 500,000, MicroStar for annual turnover between EUR 500,000 and EUR 1 million, and Genius IMM Pro for annual turnover between EUR 1 million and EUR 3 million.

* For Legal Entities incorporated and registered in Romania in accordance with Law 31/1990, as well as foreign legal entities and their branches/representative offices, regardless of the place of registration, and for Unincorporated Entities organized as Authorized Individuals (PFA), Individual Enterprises, Family Enterprises, or Liberal Professions, the standard package fee is RON 0/month for the first 12 months from the package opening date, and RON 20/month starting with the 13th month.

The fee waivers and discounts apply exclusively to fees charged by UniCredit Bank. They do not apply to SENT/ReGIS fees or to fees charged by correspondent banks. For products or services not included in the package, the standard fees and charges set out in the applicable fee and interest schedule shall apply.

The fees, charges, and interest rates applicable to Micro customers are available in the “SME Fees and Interest Rates” document, in the sections dedicated to customers with an annual turnover of up to EUR 1 million, available via the SME Fees and Interest Rates PDF. For customers with an annual turnover exceeding EUR 1 million, the applicable fees and charges are available in the “Fees and Charges for Legal Entities with Annual Turnover ≥ EUR 1 Million” document, available at the following link:  https://www.unicredit.ro/content/dam/cee2020-pws-ro/DocumentePDF/TarifeComisioaneCIB/Taxe-si-Comisioane-Corporate.pdf

Before subscribing to any banking products or services, please review these documents carefully for complete and up-to-date information regarding the costs, fees, and conditions applicable to your customer segment.

BENEFITS FOR YOUR BUSINESS WITH BUSINESS MOBILE:

Lower Costs

ZERO account maintenance fees and lower fees for selected banking transactions compared to paper-based processing*.

Term Deposits

Open and close term deposits directly from the app, quickly and easily, without the need to visit a branch.

Fast Payments

Scan invoice QR codes or barcodes and make payments with a single tap.

 

 

Total Control

View your account balances and transaction history in real time. Instantly block or unblock your cards whenever needed.

 

Secure Environment

Log in using a PIN known only to you or, if your device supports it, with your fingerprint. Yours and yours alone.

 

 

 

 

WHAT CAN YOU DO IN THE BUSINESS MOBILE DIGITAL APP:

Make payments in RON, including payments to the State Treasury

Make transfers to overseas accounts in more than 90 currencies

Pay utility bills to participating service providers

Block/Unblock Company Cards (Available only to authorized users.)

Generate payment confirmations in PDF format

Open and close term deposits

Receive push notifications for account and/or card transactions

Cancel pending payments (RON payments only)

SEE MORE

 

Select the platform from which you would like to download and install the Business Mobile app:

Real-time operations via the Card Management module in Business Net

 

 

Business Debit Card Issuance

In real time, without the need to visit a bank branch

 

 

Business Debit Card Reissuance/Replacement.

For any situation, such as loss, theft, damage, or name change

 

 

Account Modification

Change the accounts and/or the order of the accounts linked to your debit cards, according to your card transaction needs

 

 

Daily/Monthly/Cumulative Limit Changes

Modify your debit card transaction limits for ATM, POS, and online transactions

 

 

Temporary Card Blocking

Temporarily block your cards for greater security and control over transactions, and restore their previous status by requesting card unblocking

 

 

Transaction Activation/Deactivation

Mail Order/Telephone Order (MO/TO) transactions

SEE MORE

STEPS TO OPEN A CURRENT ACCOUNT PACKAGE ONLINE:

1. Download the Business Mobile app from the App Store or Google Play.

 

2. Complete and verify your contact details.

 

3. We will verify your identity.

 

4. Provide some information about your business.

 

5. Sign electronically the agreement for the opening of banking products and services.

 

Select the platform from which you would like to download and install the Business Mobile app:

Other Entrepreneurs’ Experiences

Easy to use, with very fast transfers to any bank.

Gianina

Imagine Quotes

Very good, practical, and easy-to-use app. The best option for foreign exchange transactions during the designated time window, at the National Bank of Romania (NBR) exchange rate.

Radu

Imagine Quotes

We are very satisfied with the possibility of instant transfers between accounts held with different banks.

Angela

Imagine Quotes

Exceptional. People who work for people.

Siliva

Imagine Quotes

Frequently Asked Questions

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