• In order to use a virtual debit card from UniCredit Bank, it is necessary to activate the Mobile Banking application;
• Available for individuals, account holders in EUR and RON, over 18 years old;
• Available for enrollment in GooglePay / Apple Pay for POS transactions and can be used for internet transactions, safe and convenient, without commission;
• Withdraw cash at the POS (at the same time as performing a card payment transaction) from a merchant who uses a POS UniCredit Bank or another bank that allows this service. The commission of the Cash-Back service at POS are available in the "Useful Documents" section;
• It is not necessary to use a PIN, and transactions are authorized as follows:
  • at POS using the password used to access the mobile phone;
  • on the internet, by authorizing 3D secure for which you can find more details HERE.
• The virtual card cannot be used at ATMs for balance inquiries or cash withdrawals.
• You can get discounts at UniCredit Bank partner stores, through the ShopSmart program;
• If you receive your salary on a card, you can opt for our overdraft service that offers you up to 5 net salaries;

• 100% online card administration through Mobile Banking available available 24/7 (block/unblock, change limits, close);
• The issuance and closing of the card is done instantly from Mobile Banking;
• Up to 5 virtual cards attached to each account can be issued in RON and EUR held by the client;
• Mail Order/ Telephone Order (MOTO) - transactions through which card information is sent via telephone or e-mail and can only be performed if there is a specific separate agreement.

• Sanopass – the mobile application that grants you access to the biggest network of partner clinics, over 900 medical clinics and over 10.000 medics. You benefit from a 10% cashback for medical services and other benefits. Further details are available here.

• 3D Secure service – for secure online payments;
• Info SMS - an application that keeps you aware of all transactions associated with your card, directly on your mobile phone.

Details on costs can be found in the Tax and Commissions Annex, available here.

The answers to the most frequently asked questions about the virtual card can be found here.