UniCredit products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by UniCredit
3.80%
Annual fee
Free
Cashback
No
Annual fee
Free
Cashback
No
Interest rates up to 3.80%
Open and manage directly on PickTheBank Platform
Terms from 3 months to 5 years
Annual interest payments
Protected by Deposit Guarantee System up to 100.000 EUR

UniCredit
4.1
Italy
Credit ratings
Deposit Guarantee Scheme (DGS)
Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered
S&P
-
Moody’s
Baa1
Fitch
BBB
About UniCredit
UniCredit is a pan‑European banking group headquartered in Milan, operating primarily in Italy, Germany (HypoVereinsbank), Austria (Bank Austria), and multiple Central and Eastern European markets through locally licensed subsidiaries. The group serves retail, SME, and corporate clients and provides corporate and investment banking services including lending, transaction banking, markets, and capital markets origination, complemented by asset gathering via third‑party funds and bancassurance partnerships. Revenues are driven by net interest income and fee income, with management focused on cost discipline and simplified processes under its UniCredit Unlocked plan. Asset quality indicators have remained in the low‑single‑digit NPE range with coverage at levels consistent with European peers, while the CET1 capital ratio has been in the mid‑teens and liquidity metrics (LCR/NSFR) comfortably above regulatory minima; funding is anchored by customer deposits and wholesale issuance across covered bonds, senior preferred/non‑preferred, Tier 2, and AT1 instruments to meet MREL. The bank has pursued sizeable distributions through cash dividends and share buybacks, subject to supervisory approval, alongside ongoing balance sheet de‑risking and legal‑entity simplification. Key risk factors include concentration to Italy and CEE economies, exposure to domestic sovereign debt, sensitivity to interest‑rate normalization and credit cycles, residual Russia‑related exposures under active wind‑down, and regulatory and conduct risks. Governance follows a board oversight model, with a centralized risk framework and local execution. Sustainability policies include sectoral lending restrictions and financed‑emissions targets, with continued engagement on energy‑transition exposures. UniCredit holds investment‑grade ratings from major agencies and maintains a disclosed MDA buffer; financial targets and distributions remain contingent on earnings generation, market conditions, and regulatory approvals.
UniCredit Deposit guarantee scheme participation
UniCredit participates in the deposit guarantee scheme of Italy which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
UniCredit Countries of operations
UniCredit offers their savings products in Germany
Products offered by UniCredit and interest rates
UniCredit offers 2 deposits and 1 savings accounts in EUR.
UniCredit offers the following fixed deposits in EUR in Germany: 0 months deposit - 0.61%; 3 months deposit - 3%.
Best interest rates in Italy
Fixed deposits offered by UniCredit
Sales region:
Loans offered by UniCredit
There are no products yet
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Branches
UniCredit Jelzálogbank Zártkörûen Mûködõ Rt.
unicreditbank.huSzabadság tér 5-6., 1054, Budapest, Hungary
UniCredit Bank AG Luxembourg Branch
unicreditint.lu8-10, rue Jean Monnet, 2099, Luxembourg, Luxembour
UniCredit Bank Czech Republic and Slovakia, a.s.
unicreditbank.czŽeletavská 1525/1, 14000, Praha 4, Czech Republic
UniCredit International Bank (Luxembourg) SA
unicreditint.lu8-10, rue Jean Monnet, L-2180, LUXEMBOURG, Luxembourg770
UniCredit Bank Czech Republic and Slovakia, a.s., pobočka zahraničnej banky
unicreditbank.skŠancová 1/A, 813 33, Bratislava, Slovakia
Contacts
Address
Piazza Gae Aulenti 3, Tower A, Milan, 20154 Italy
Phone number
+39 331 658 58 85Website
unicredit.itBank identifiers
BIC number
UNCRITMM
Name
UniCredit
Country
Italy