Virtual Card

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The virtual

debit card

Discover the latest banking product, 100% digital.

It’s time to make a change!

 

The most important resource in your life is time. It is what helps you share quality moments with your dear ones and offer them a better life.

With the UniCredit Bank virtual debit card for individuals, everything Is about what matters to you. Like the moment you solve everything so quickly, directly from your smartphone and keep on enjoying the time with your family.

Choose the virtual debit card from UniCredit which can be attached to your current accounts in LEI or EUR and instantly issued in Mobile Banking. You will enjoy:

0 costs for issuing and renewing

100% online card administration through Mobile Banking, available 24/7

POS payments through Apple Pay and Google Pay, plus Internet transactions****

Characteristic and functionalities:

 

  • The virtual debit cards are available for individuals, LEI or EUR account holders, over the age of 18;
  • You can go for a Mastercard Standard virtual debit card or Mastercard Gold virtual debit card;
  • You choose how your card looks like because there is a variety of colors available:
    • 5 options for Mastercard Standard virtual cards: Pure Red, Electric Violet, Clean Green, Vibrant Orange or Jazzy Blue;
    • 3 options for Mastercard Gold virtual cards: Warm Yellow, Light Beige or Jet Black;
  • You are able to request up to 5 virtual cards attached to every account in LEI or EUR;
  • The virtual cards are instantly issued and can be administered directly from Mobile Banking, available 24/7;
  • There is no need to use a PIN code for the virtual card and transactions are approved as follows:
    • POS transactions require the password you use for unblocking your mobile phone;
    • Internet transactions require 3D secure authorization about which you can find more details HERE;
  • The virtual card can not be used for ATM balance inquiry or cash withdrawal. For cash withdrawal without a physical card you have the following solutions:
    • mCash at UniCredit Bank** ATMs**;
    • Withdraw cash at POS (while performing a card payment transaction) at a merchant that uses an UniCredit Bank POS or one from another bank which allows the same service. Conditions of the Cash-Back at POS are available in “Useful Documents” section.

 

What should you do first?

Issue yourself a Mastercard Standard or Mastercard Gold virtual debit card, directly from Mobile Banking. To do it successfully, you need to make sure you have installed the last version of the app. You can update it right now:

 
Descarca din Google Play Mobile Banking UniCredit Bank
Descarca din App Store Mobile Banking UniCredit Bank

And if you don’t have the Mobile Banking app, you can download and activate it right now, following this Mobile Banking tutorial.

For issuing a virtual debit card, follow the steps below and apply them directly in the Mobile Banking app:

1. Log in, go to Offers menu and choose Virtual debit card

2. Select the related account, accept terms and conditions and request the card

3. Verify and sign

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If you need our help, call *2020 or leave below you contact data, and we will give you a call.

APPLY HERE

 

 

 

Do you want the virtual card even though you aren’t a UniCredit Bank client? Apply here for opening a current account:

 

APPLY HERE

Frequently asked questions

The virtual debit cards are available for existing UniCredit Bank clients and can be issued directly from the Mobile Banking app. If you aren’t a client, please contact the closest UniCredit Bank branch.

New clients can request this kind of card in the closest UniCredit Bank branch.

The virtual credit cards can be instantly issued from the Mobile Banking app.

You need to log in by using existing authentication credentials, access the issuing virtual card button, read, and accept the contractual terms and conditions.

At this moment, the virtual credit cards that can be issued are:

  • Mastercard Standard, available in 5 color options, at choice: Pure Red, Electric Violet, Clean Green, Vibrant Orange or Jazzy Blue;
  • Mastercard Gold, available in 3 layout options, at choice: Warm Yellow, Light Beige or Jet Black.

Yes, you can have up to 5 main virtual debit cards issued on the same account.

The virtual cards can be attached to current accounts in RON or EUR that are opened at UniCredit Bank.

The virtual debit cards can be instantly issued. This way, once you end the issuing process in the Mobile Banking app, you will receive the contractual documentation on the indicated mail adress and your card is ready to be used for Internet transactions. You can also add it in Google or Apple Pay and use it for POS transactions.

The virtual card can not be used for ATM cash withdrawing, but you can benefit from cash through the mCash service available in the Mobile Banking.

You can also withdraw cash at POS (while performing a card payment transaction) at a merchant that uses an UniCredit Bank POS or one from another bank which allows the same service. Conditions of the Cash-Back at POS are available in “Useful Documents” section.

All the details about this new product are available on our site, in “Debit Cards” section.

Transactions will be settled from the account you select when you request the issue of your card. Once you attach the card to an account, you can not modify it.

The virtual cards are issued with a validity of 5 years.

Yes, the program can be accessed with the virtual credit cards.

The cards are displayed in the order in which they were issued.

For finding out more details about transactions made with a particular card, select that card in the Mobile Banking app.

You can request the virtual card cancelation directly in the Mobile Banking app or through the Info Center service in any UniCredit Bank branch.

The card will be closed instantly and it can no longer be used for shopping.

Even if a card has been closed, the settlements that aren’t finalized yet will be made using the balance of the account to which the card was attached.

Blocking/unblocking a virtual card can be made directly from the Mobile Banking app, using the block/unblock button from the “Cards” section. You can also go to “Card Options” or contact the Info Center service at *2020, 021 200 20 20 and in any UniCredit Bank branch.

Managing the virtual card’s limits can be made directly from the Mobile Banking app, using the “Card Limitation” button from “Card Options” section or contact the Info Center in any UniCredit Bank branch.

Of course. To copy the card’s data for online transactions you have to:

  • Access the “eye” symbol placed on the face of the card. The action will be authorized using the Mobile Banking credentials.
  • Once you access the “Card Details” section, next to the card number, tap the document symbol. This will lead to the appearance of the message “Copy the card number” and the 2 options “OK/DISCARD”.
  • Once you click “OK”, you will be able to copy the card number and use it in the dedicated payment section of the merchant's page.

No. For closing a virtual debit card, you must request that in the Mobile Banking app or in case you no longer have the app, in any UniCredit Bank branch or through Info Center.

No. For closing a virtual debit card, you must request that in the Mobile Banking app or in case you no longer have the app, in any UniCredit Bank branch or through Info Center.

The cards are automatically renewed if they have been used for transactions in the last 12 months.

If your new issued virtual card doesn’t appear in the Mobile Banking app or the shown information is incorrect, please contact our colleagues as follows:

  • *2020, Info Center service available 24/7 (call with normal charge in Telekom Romania, Vodafone, Orange, RCS & RDS mobile networks) and
  • +40 21 200.20.20 Info Center service available 24/7 (call with normal charge in Telekom Romania fixed network)
  • Get the help of our consultants in UniCredit Bank branches (Mon-Fri: 09:00 - 17:00)
  • Write us an e-mail at infocenter@unicredit.ro.

*The virtual debit card is issued for individual clients, LEI or EUR account holders. The product is not available for minors.

**The complete list of Charges and interests applied by the bank for individuals can be consulted in every bank branch and on www.unicredit.ro, Useful Documents section.

***It is necessary to activate the Mobile Banking app to use a virtual debit card from UniCredit Bank.

****The virtual card can not be used for cash withdraws or ATM balance inquiries.

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