HypoVereinsbank products, services and reviews

About HypoVereinsbank

HypoVereinsbank (HVB) is the German banking brand of UniCredit, headquartered in Munich and supervised within the EU’s Single Supervisory Mechanism, with BaFin and the ECB overseeing prudential matters; it operates nationwide with a reduced branch footprint and a focus on digital channels and advisory centers. The bank serves retail, private, and corporate clients with current accounts, debit and credit cards, overdrafts, consumer loans, mortgage financing, savings products, time deposits, brokerage and investment services, and wealth management mandates, as well as business accounts and corporate banking solutions that include transaction banking, trade finance, lending, and capital markets services in coordination with UniCredit’s international network. Accounts are offered in tiered packages with monthly fees and service-dependent charges; conditions for fee waivers vary by model, and additional fees may apply for out-of-network cash withdrawals, foreign currency transactions, paper statements, and certain transfers. Payments and cash services include SEPA transfers, international SWIFT transfers, domestic cash withdrawals via the Cash Group ATM network, and acceptance of contactless payments with support for Apple Pay and Google Pay; card and online transactions use strong customer authentication under PSD2 via app-based TAN methods. Online account opening with remote identification is available for eligible applicants, and servicing is provided through branches, phone, and digital channels. Deposits are protected by the German statutory deposit guarantee scheme (up to the legal limit per depositor) and HVB also participates in the private deposit protection fund of the Association of German Banks, subject to that scheme’s current rules and limits. Product availability, pricing, interest rates, and eligibility criteria depend on the customer segment and are set out in the bank’s schedule of prices and services.