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Transactional offer OPTIM

Transactional offer OPTIM

Discover our current account offer!

Today you want it to be simple. And it's simple!

When you have found what you are looking for, you know for sure that it is the best option for you. But if you also have a bank account offer that includes products and services suitable for your financial needs, equally suitable?

Get more from the new OPTIM current account offer, which offers you everything you need, with even more flexibility for banking as you like, if you meet the eligibility conditions.

 

The advantages of the OPTIM offer

  • You can open a bank account 100% online directly from Mobile Banking. See details here.
  • You have ZERO administration fee for current account in Lei and a current account in Euro.
  • You have ZERO fee for credit transfer - interbank payments in Lei to any bank in Romania, through Mobile Banking & Online Banking*.
  • You have ZERO fee for Incomings & Direct debit interbank payments in Lei .
  • You benefit from ZERO fee for withdrawals in Lei at the ATMs of UniCredit Bank, Euronet and other banks in Romania, through the debit card included in the offer (also applicable for supplementary debit cards attached to it).
  • You benefit from ZERO fee for foreign currency withdrawals in the network of the UniCredit Group and other foreign banks** through the debit card included in the offer (also applicable for the supplementary debit cards attached to it).

 

With the debit card included in the offer, but also with any other card, you have total and permanent access and control over your account and money, wherever you are - in the country or abroad.

  • You can pay utility bills directly with your debit card at UniCredit Bank's Non-Stop Banking multifunctional;
  • You benefit from discounts at UniCredit Bank partner merchants, through the ShopSmart program.
  • If you collect your salary on the card, you can opt for the Overdraft, worth up to 3 net salaries.

APPLY

  • 1 current account in Lei and 1 current account in Euro.
  • 1 Mastercard Standard physical main debit card *** with ZERO administration fee.
  • Up to 5 Mastercard Standard virtual debit cards attached to the Lei or Euro account.
  • Interbank incomings in Lei and credit transfer – interbank payments in Lei to any bank in Romania via Mobile Banking and Online Banking*, including standing order, with ZERO fee.
  • Interbank direct debit payments in Lei.
  • Cash withdrawals in Lei from the ATMs of UniCredit Bank, Euronet and other banks in Romania, through the card included in the offer, with ZERO costs (also applicable for supplementary cards attached to it).
  • Cash withdrawals in foreign currency from ATMs in the networks of the UniCredit Group and other banks abroad**, through the card included in the offer, with ZERO costs (also applicable for supplementary cards attached to it).

You have ZERO fee for the operations and administration of the products and services included in the offer, with the fulfillment of the eligibility conditions:

  • you have a monthly inflow of min. 1,500 Lei (or foreign currency equivalent) in the current account or assets min. 50,000 Lei (or equivalent in currency) in savings and investments and
  • you make at least one monthly payment with a physical or virtual debit card at merchants (POS or E-commerce).

Inflow means any amounts coming from salary, pension, self-employed, rent, daily allowance or other legitimate sources of this type, e-Commerce transactions through the "Add money" option available in Mobile B@nking, being considered eligible inflow. This type of income are not considered eligible: amounts received in savings accounts, amounts transferred between own accounts, opened in the name of the client at UniCredit Bank, amounts deposited in cash at the bank’s tellers or at BNA cash machines, amounts from matured deposits and/or from the related interests, the amounts from loans granted by the Bank. The minimum eligible income corresponding to the offer can be recorded in any current account held by the client at UniCredit Bank.

If for one month, you do not cumulatively meet the eligibility conditions for any of the transactional offers, after the 10th of the following month you will be moved on the bank's Standard Offer. Details and particulars regarding switching from one offer to another or to standard conditions here.

APPLY

Discover how you can benefit from all the advantages of the debit cards in our offer.

See the advantages of our debit cards.

* Online Banking – Internet Banking service.

** In the case of cash withdrawals abroad, the operators of the ATMs used may charge additional fees. Before authorizing the transaction, please, read carefully the messages displayed on the ATM screens, to make sure that you have taken note of the cash release conditions in such cases.

*** The commission for the provision (administration) of the first Mastercard Standard debit card is currently 0 (zero) without having to fulfill the eligibility conditions mentioned above, according to the Bank's standard offer.

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