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UniCreditCard

Principal

Your trusted shopping partner from UniCredit Consumer Financing.
UniCredit Consumer Financing identification data

 

The to-do list is always changing. Do you think about going on a holiday? Or making small changes in your home? Maybe starting a personal development course?

For all your plans, but also for whatever need appears along the way, we have the solution for successful shopping sessions: UniCreditCard from UniCredit Consumer Financing, a credit card with super-benefits.

 

OUR OFFER:

3-9 INTEREST FREE INSTALLMENTS,

in the first 6 months from the card delivery date, at any acquisition of minimum 300 lei**

ZERO ISSUING FEE,

vs. standard fee of for issuance of payment instruments

The offer is available for UniCreditCard Principal credit cards acquired between July 1st – September 30th, 2024, by accessing the offer available in UniCredit Bank branches or applying online. You may find more details in the Payment in Equal Instalments Program.

*You cannot make transactions in the following countries: Iran, Coreea de Nord, Siria, Crimea/ Sevastopol, Donetsk - regiune a Ucrainei, teritoriu numit Republica Populara Donetsk (RPD), Luhansk - regiune a Ucrainei, teritoriu numit Republica Populara Luhansk (RPL).

**You can choose the number of installments in which you will reimburse the payment according to their value: 

 

Number of installments Minimum value of transaction 
3 - 6 installments 300 Lei
3 - 9 installments 400 lei

 

Setting of the transaction in installments can be made according to the Payment in Equal Instalments Program Regulations.

 

EXTRA BENEFITS:

 

 

Special Offer when using UniCreditCard:

 

It's your summer and also your decision how you spend it. On long-dreamed vacations, at thousands of kilometers away, setting up the relaxation corner in your home, exploring the city, taking care of yourself, discovering passions...or anything else you want!

UniCreditCard credit card is backing you up all summer and a little more with interest-free installments for almost anything you want.

You can reimburse in up to 6 EQUAL INSTALLMENTS WITHOUT INTEREST:

  • any transaction (including online ones) with an individual minimum value of 300 lei
  • made at any merchant* with your credit card issued by UniCredit Consumer Financing.

 

*The offer is subject to certain terms and conditions and is valid between July 1 - September 30, 2024, for eligible transactions made in LEI or in a currency other than LEI, in physical/online locations, at merchants operating in Romania or abroad. Please find all details in the Campaign Regulations.

 

 

 

OTHER DETAILS ABOUT THE CARD OFFER:

 

FIND OUT MORE DETAILS ABOUT THE CARD

***available exclusively for payments at retailers or utilities invoices

****Details on www.unicredit.ro/shopsmart

Calculation example:

 

For UniCreditCard Principal without life insurance attached/ with life insurance attached (with monthly premium of 0,5% from the borrowed amount, offered by UniCredit Consumer Financing IFN SA), with a limit of 5.367 lei, lending period of 3 years (36 months) and a fixed annual interest of 26,99% for ATM usage and 24,99% for transactions at retailers, considering that the credit line is fully withdrawn, 40% cash at ATM national or international (outside of UniCredit Group) and 60% transactions at retailers, upon approval date and no further transactions are made during the 36 months’ reimbursement period, the monthly amount due (considering equal monthly installments) is 276,27 Lei / 302,88 Lei, total payable amount is 7.645,81 Lei / 8.158,57 Lei, with EAR of 30,54% / 38,33%. EAR is calculated according to legal regulations in force and is comprised of the fixed annual interest, the issuance commission of 0 Lei, the annual administration commission of 39 lei, the ATM (network of other banks in Romania and from abroad) usage fee of 2% + 4 lei, and, in case the client chooses to acquire a life insurance, the monthly premium of life insurance of 0,5% from the borrowed amount (in the amount of 26,4 lei/month, with zero costs of financing for insurance).

In case you want to attach to the credit product a life insurance product, we kindly ask you to consult the details and related costs on www.ucfin.ro/asigurari. Life insurance is issued by Generali Romania Asigurare Reasigurare S.A. through UniCredit Consumer Financing IFN SA, as an auxiliary insurance agent registered with the Financial Supervisory Authority with the number RAJ-502078 and is an optional product, the credit product being available for granting without a life insurance attached.

These products are offered by UniCredit Consumer Financing IFN SA through UniCredit Bank SA, credit intermediary with the exclusive auxiliary title of the credits offered by UniCredit Consumer Financing IFN SA. The decision for crediting belongs solely to UniCredit Consumer Financing IFN SA, the Creditor reserving the right to request, when the case, any documents necessary in the crediting analysis, according to its internal regulations and the legal effective settlements.

UniCredit Consumer Financing identification data

UniCredit Consumer Financing IFN S.A., having its registered office in Bucharest, 1F Expozitiei Boulevard, sector 1, et. 6, postal code 012101, registered with the Trade Register Office under no. J40/13865/14.08.2008 registered in the General Registry of the National Bank of Romania under the no. RG-PJR-41-110247/24.10.2008, the Special Registry under the no. RS-PJR-41- 110065/09.02.2010 and the Registry of the payment institutions under no. IP-RO-0009/02.03.2015, tax code 24332910, subscribed and paid up share capital amounting to 103.269.200 Lei, website www.ucfin.ro, having the following object of activity:

The Company’s main scope of business is “Other crediting activities” - CAEN Code 6492, consisting in granting of consumer credits.

5.3 The Company’s secondary scope of business is represented by the following activities performed only in connection to the main scope of business:

1.     Crediting activities:

- CAEN Code 6492: Other crediting activities: the following payment services provided by Art. 7 alin.1 as per Law no. 209/2019 regarding the payment services and amending other normative acts:

-    services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account;

-   execution of payment transactions where the funds are covered by a credit line: execution of credit transfers, including standing orders and payment transactions through a payment card or a similar device;

-     issuing of credit cards.

- CAEN Code 6492 - Other crediting activities: micro-credits, forfeiting operations, discounting, financing of commercial transactions, real estate credits (without mortgage credits);

- CAEN Code 6499 - Other financial intermediation n.e.c: factoring and issuance of guarantees and undertaking of commitments, including credit guaranteeing.

- CAEN Code 6492 - Other crediting activities:services of issuance and administration of credit cards for clients, under the credit consumer activities, as well as activities related to the processing of the transactions with the credit cards, other than those falling under the provisions of Law no. 209/2019 regarding the payment services and amending other normative acts.

2. Auxiliary activities:

- CAEN Code 6810 – Buying and selling of own real estate: purchase and sale of own real estates only for own necessities of performance of the main crediting activity;

- CAEN Code 6820 – Lease and sublease of own or rented real estates: the sublease to third parties of the spaces rented from third parties will be made only occasionally, in the situation of the existence of surplus of spaces, in view of the efficient administration of the rented assets necessary for the activity performance;

- CAEN Code 6311 – Data processing, hosting of web pages and related activities: data processing and connected activities consisting in: acting as operator of the National Registry of Movable Publicity in connection to the registration activity of the guarantee advices in the registry, as well as the data processing afferent to these activities and of other data afferent to the activities connected to the crediting activity, the administration of web pages and connected activities;

- CAEN Code 6619 – Other activities auxiliary to financial services, except insurance and pension funding: activities auxiliary to the financial intermediations, except for the insurance and pension fund activities, consisting in consultancy services related to the performance of the crediting activity;

- CAEN Code 8220 – Activities of call centers: activities of the telephonic intermediation centres (call centre) (call centre directed to the interior – the operators take over the calls of the clients of the non-banking financial institution, providing information on the products, as well as solutions to the clients’ requests or the take-over of their complaints);

- CAEN Code 6622 – Activities of the insurance agents and brokers: activities as an insurance agent.

3. Mandate operations in the relation with other non-banking financial institutions and/or credit institutions connected to the crediting activity performed by them:

- CAEN Code 6492 – Other crediting activities: take-over of documents from clients, product marketing, presentation of products;
marketing-ul produselor, prezentare produse;

- CAEN Code 6492 – Other crediting activities: negotiation in view to conclude consumer credit contracts;

- CAEN Code 6492 – Other crediting activities: administration of credit cards, as well as activities connected to activities related to the processing of the transactions with the latter on account of other non-banking financial institutions or credit institutions;

- Cod CAEN 6492 – Other crediting activities: recovery/collection of credit instalments, administration and activities related to the processing of the transactions with the credit cards under the consumer credit activities;

- Cod CAEN 6619 - Other activities auxiliary to financial services, except insurance and pension funding: other activities of financial intermediations, excluding insurance and pension fund activities, consisting in:

-     consultancy services related to the crediting activity;

-     valuation of technical-economical documents and feasibility studies submitted by the customers in order to conclude the credit contracts.

 

 

NBR Authorisations / Registration documents:

 

 

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