UniCredit Bank S.A. products, services and reviews

About UniCredit Bank S.A.

UniCredit Bank S.A. is a Romanian universal bank majority-owned by UniCredit S.p.A., operating under the supervision of the National Bank of Romania and participating in the national deposit guarantee scheme (Fondul de Garantare a Depozitelor Bancare), which covers eligible deposits up to the RON equivalent of EUR 100,000 per depositor per bank; the bank is also part of the UniCredit Group’s consolidated oversight framework under EU prudential rules. It offers retail, SME, and corporate banking services including current and savings accounts in RON and foreign currencies, payment cards (Visa and Mastercard) with contactless and tokenized wallet support, consumer loans and mortgages (with fixed or variable rates, and for RON consumer lending typically referencing the IRCC benchmark), overdrafts, term deposits, FX services, and investment and insurance distribution through affiliated entities; corporate and institutional services include working capital facilities, term financing, trade finance, cash management, leasing and factoring via group companies, and access to capital markets and transaction banking through the group’s network. Digital channels cover mobile and online banking with PSD2-compliant strong customer authentication, biometric login options, and 3D Secure for e-commerce; business clients have dedicated online banking platforms and file-based connectivity options. Payments include domestic RON transfers, SEPA credit transfers in EUR, and international SWIFT transfers (the bank’s SWIFT/BIC is commonly listed as BACXROBU); cut-off times, execution speeds, and fees vary by channel and service package. Account opening is subject to standard KYC/AML checks and may require in-person identification depending on customer profile; tariffs are published by the bank and typically differentiate between bundled account packages and pay-as-you-go pricing, with separate charges for out-of-network ATM withdrawals, urgent transfers, and FX conversion spreads. Security controls include multi-factor authentication, transaction signing, and fraud monitoring; customers share liability according to local law and the bank’s terms for unauthorized transactions and chargebacks. The bank maintains a nationwide branch and ATM footprint concentrated in major urban areas; service levels, processing times, and product eligibility can differ by segment and risk assessment. As with Romanian banks generally, performance is sensitive to domestic economic conditions, interest-rate movements, and regulatory changes; capital and liquidity are managed under Basel III requirements, and resolution planning is coordinated with national authorities, with the national resolution authority linked to the deposit guarantee fund. Prospective and existing clients should review the latest public tariffs, key information documents, and contractual terms for details on fees, rates, early repayment conditions, collateral requirements, and applicable limits on guarantees and investor protection for non-deposit products.