UniCredit Bank
debit card
Debit Card
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Discover UniCredit Bank debit card benefit packages
At UniCredit you can have debit cards to suit different needs in your life.
If you need a way to manage money from your salary or pension, you want to teach your children about money management since childhood or you simply need a virtual card for online payments, you can benefit from the advantages of the debit cards in our offer.
Salary card
Pension card
Children's card
Virtual card
The debit card is a payment instrument, with which you can access your money
Standard, Gold, Platinum debit cards with contactless technology give you total and permanent access and control over your account and your money from anywhere - at home or abroad.
Benefits of the Debit Card
- Whether it's a salary card, for collecting your monthly salary income, a pension card, for collecting your pension or simply a debit card for other needs, you can use it to shop anywhere in the world, including on the Internet, securely and conveniently, with no fees;
- You can enjoy fast payments for purchases of up to 100 lei in Romania or up to 50 euro (or equivalent) abroad, for which you no longer need to enter your PIN;
- You have 24-hour access to your current account for cash withdrawals from ATMs, at home and abroad;
- Withdraw cash at the POS (at the same time as making a debit card payment transaction) at a merchant using a UniCredit Bank POS or another bank that allows this service;
- Pay utility bills directly with your debit card at UniCredit Bank's Non Stop Banking ATMs, no more trips;
- Benefit from discounts at UniCredit Bank partner merchants, through the ShopSmart;
- If you receive your salary by card, you can opt for the Overdraft, up to 5 net salaries;
- You can request the issuance of additional debit cards, with the option to limit access to the funds available in your current account by customising the daily transaction limits;
- You benefit from free card delivery, right to your home! All you need is a mobile phone number registered with a mobile phone network in Romania and to make sure that the delivery address is within the territorial coverage area, which you can check on Fan Courier Locations list.
Debit card services
- View the last 10 transactions made on your current account at any time, through the mini-account statement option available at UniCredit Bank ATMs;
- Cash deposits at the Bank's ATMs;
- Balance inquiries at ATMs (at home or abroad) or POS (at UniCredit Bank partner merchants);
- Mail Order/ Telephone Order (MOTO) - transaction whereby debit card data is transmitted by telephone or mail (can be carried out only if there is a separate agreement to this effect).
Debit Card Security
- 3D Secure Service - for secure debit card payments on the Internet;
- Info SMS - application that always keeps you up to date with your debit card transactions, directly on your mobile phone.
Debit Card Costs
- Details of costs can be found Fees and Charges Annex.
Exclusive benefits for the Debit Gold card
Benefits offered by UniCredit Bank:
- You get free insurance when you travel abroad, see the General Insurance Conditions for Travel Abroad.
- You have access to emergency services abroad in case of loss/theft of your card for cash release or card replacement: the service is provided by Global Customer Care Services, by calling the toll-free helpdesk at 001.303.967.1096;
- Mobile phone and smartwatch insurance – you benefit from insurance against accidental damage to your mobile phone and smartwatch for 18 months after purchase. The goods are repaired/replaced or the repair/replacement costs are reimbursed up to EUR 400. For notification of an event contact the insurer on +40 21 7961363. More details here.
- Electronics and appliances insurance – you benefit from 24 months extended warranty insurance for electronics and white goods such as washing machine/dishwasher, fridge, oven and others and you can make repairs up to 200 EUR/good for up to 6 goods. For notification of an event contact the insurer on +40 21 7961363. More details here.
- Online medical assistance Doctor Chat – you benefit from fast assistance, in Romanian, from accredited doctors, unlimited 24/7, on the most popular applications (WhatsApp, Viber, Telegram, SMS, and others. You get reliable advice and help in making informed decisions in times of uncertainty. More details here. To access this benefit please email us at ROUCBInsuranceHO@unicredit.ro.
Benefits offered by Visa and Mastercard
- You have free access to the Business Lounges in airports, so:
- "Air Refund” - offers you: full assistance service, compensation of up to 600 Euro for each incident, zero fee for unresolved cases, reduced fee compared to the standard one if the claim has been successfully resolved. To start the claim procedure for your flight, press here.
- Premium offers related to your card:
○ If you are a Visa Gold debit card holder, you can access the lounges at Henri Coanda Otopeni, Traian Vuia, Timisoara and Avram Iancu Cluj-Napoca International Airport a maximum of 3 times during a year, if you have made card payments at the POS or online of at least 5000 lei in the last 30 days (up to a maximum of 96 hours before entering the lounge). More details here.
○ If you are a Mastercard Gold debit card holder, you benefit from free access a maximum of 2 times during a year to the Mastercard Business Lounge at Henri Coanda Otopeni, Traian Vuia, Timisoara, Sibiu International Airport, Avram Iancu Cluj-Napoca International Airport and Vienna International Airport, if you have made a transaction at the POS or online in the last 30 days. For more details you can read the regulation related to the Mastercard Premium Program for access to the Business Lounge.
○ If you are a Visa Gold debit card holder, you have access to a wide range of premium offers from a variety of areas: restaurants, shopping, IT, entertainment, healthcare and more. More details here.
○ If you have a Mastercard Gold card, you benefit from the Program Premium Offers Mastercard, where every card payment at partner locations is a memorable experience, associated with a gift, discount or priceless moments. More details on Mastercard Priceless.
Exclusive benefits of the Mastercard Platinum card
Benefits offered by UniCredit:
- Free travel insurance abroad.
- Priority Pass - free access to over 1200 international airport lounges. In Romania, the Priority Pass membership card gives access to the Business Lounges of Cluj-Napoca and Timisoara airports; More information about Priority Pass.
- Free access up to 10 times during the program together with 1 guest to the Mastercard Business Lounge at Henri Coanda Otopeni, Traian Vuia Timișoara airports, Sibiu International Airport, Vienna International Airport and Avram Iancu Cluj-Napoca International Airport, if you are a Mastercard Platinum cardholder and have made transactions at POS or online in the last 30 days, up to a maximum of 96 hours before requesting access to the Premium Location, in the amount of at least 3,000 lei. You can find more information here. NOTE! The Business Lounge in Sibiu is temporarily closed, as part of some airport expansion and modernization works. After its reopening, we will modify the page to let you know when you will be able to access this benefit.
- Financial protection in case of unforeseen events, accidents and/or illness.. Thus, you benefit from the following coverages:
○ Death due to illness - 1.000 RON
○ Death as a result of an accident - 200.000 RON
○ First degree disability as a result of an accident - 200.000 RON
○ Surgical operations following an accident - RON 5,000
More details here.
- Comprehensive protection program - free insurance covering various events. It's comforting to know that you're protected, no matter what unforeseen situations may arise. From emergency medical expenses, to delayed/lost luggage, to price protection and card purchases. More details here.
- You have access to emergency services abroad in case of loss/theft of your card, for cash release or card replacement; the service is provided by the Mastercard Assistance Centre, by calling 001.800.627.8732;
Benefits offered by Mastercard, through the Program Premium Offers Mastercard, where every card payment at partner locations is a memorable experience, associated with a gift, discount or priceless moments.
Virtual Debit Card
The Standard and Gold virtual cards give you full and permanent access and control over your account from anywhere - at home or abroad. In addition to the benefits you get with a physical debit card, Standard or Gold, a virtual card brings many other advantages:
- Available for individuals, account holders in EUR and RON, over 18 years old;
- Up to 5 virtual cards can be issued attached to each RON and EUR account held by the customer, maximum 2 virtual cards per day;
- Issuing and closing of the virtual card is done instantly from Mobile Banking;
- Virtual card management is 100% online via Mobile Banking, available 24/7 (lock/unlock, change limits, close);
- In order to be able to use a UniCredit Bank virtual card, it is necessary to have the Mobile Banking application active;
- The virtual card cannot be used at ATMs for balance inquiries or cash withdrawals;
- Available for enrollment in GooglePay/Apple Pay for POS transactions and can be used for internet transactions, secure and convenient, with no fees;
- No PIN required and transactions are authorized as follows:
○ at the POS using the password used to access the mobile phone;
○ on the Internet, by 3D Secure authorization, for which you can find more details here.
Download the Mobile Banking app to request the issuance of the virtual card
Children’s card with Mastercard Young
The Mastercard Young card is the optimal payment tool for children aged 6 to 18.
- With the Mastercard Young children's card, children learn to manage their own money in the current account funded by their parents and even make small savings;
- You can enjoy fast payments for purchases of up to 100 lei in Romania or up to 50 euro (or equivalent) abroad, for which it is no longer necessary to enter the PIN code;
- The card is intended for children between 6 and 18 years old, and the account to which the card is attached can be opened in Lei, EUR and USD;
- Transactions made with the Mastercard Young card can be viewed at any time via Mobile Banking and Online Banking (Internet banking type service) if the customer has chosen to activate them. The two applications are available for both parents and children. For added security, parents have additional rights to make various changes to their children's Online Banking or Mobile Banking. For example, they can change transaction limits or decline online payments;
- Safe shopping! The Children's Card cannot be used for cash withdrawals, ATM withdrawals or for any type of shopping that is unsuitable for children;
- The limit of the card on the value of daily purchases is 200 lei/day and can only be changed by parents, via Mobile Banking or Online Banking;
- The children's card is attached to the Junior current account, with zero provision costs (issuing and administration) debit card attached to the current account in Lei;
- The child can save by direct transfer to a Junior Savings account, for which he/she receives a favourable monthly interest rate.
Children's card services
- Setting or changing the PIN code can be done by both parent and child, with a simple phone call to the InfoCenter and following the instructions of the robot or at any UniCredit Bank ATM;
- View at any time the last 10 transactions made on the current account through the mini account statement option, available at UniCredit Bank ATMs;
- Cash deposits at the Bank's ATMs;
- Balance inquiries at ATMs (at home or abroad) or at POS (at UniCredit Bank partner merchants);
- Through Mobile Banking, instant blocking or unblocking of the card.
How do you choose the debit card you need?
So many possibilities. Tough choice?
Not at all. The important thing is to know what you want and you'll find a benefits package that fits your needs. A debit card is always linked to a current account, so if you're not a UniCredit customer we recommend you keep an eye out for current account offers.
To make your choice even easier, you can compare the benefits of debit cards by visiting the comparison tool.
