Your Ultimate Guide to Effortless Banking with UniCredit

In today's fast-paced world, managing your finances should be as seamless as possible. Whether you need a debit card quickly, want to earn cashback on your purchases, or need to update your contact information, UniCredit offers a range of services designed to simplify your banking experience. This guide will walk you through the various features available to you, ensuring you make the most of your banking needs.

Quickly Obtain a Debit Card

If you find yourself in need of a debit card without the hassle of visiting a bank branch, UniCredit has you covered. Simply request a virtual debit card directly from the homepage or through the “Offers” menu. The process is straightforward: issue your card with just a few clicks, and if you ever need to close it, you can do so just as easily.

Earn Cashback on Your Transactions

Want to get money back on your everyday purchases? Activate and utilize offers from the ShopSmart cashback program, available in the “Offers” menu. With over 100 partner retailers, you can enjoy significant savings while shopping. It’s a simple way to make your money work harder for you.

Quickly Credit Your UniCredit Account

Need to add funds to your UniCredit account swiftly? To pay contactless using your phone or to cover your monthly loan payment, just access the "Add Money" icon from your account page. Enter the amount and your card details, then authorize the transaction as you would for any online payment. It’s that easy!

Update Your Contact Information

If you’ve recently changed your phone number or email address, keeping your contact details up to date is crucial. Navigate to the "My Profile" menu to update your information. You can easily change your phone number, email address, and even upload a picture of your ID for verification.

Never Miss a Bill Payment Again

Worried about missing bill payment deadlines? Activate a Direct Debit mandate from the Payments or Utility Payments section. This feature allows your bills to be automatically paid each month from your current account. You can set a payment limit or cancel the mandate at any time, giving you peace of mind.

Contactless Payments Made Simple

Want to pay for your purchases using your phone? It’s easy! Go to the Cards or Card Info menu, click the "Add to Google Pay" button, and follow the prompts to enroll your card. Don’t forget to activate NFC on your phone to enjoy the convenience of contactless payments.

Withdraw Cash Without Your Card

Forgot your card at home but need cash? No problem! Access the mCash icon from either the Accounts or Card menu (available for RON currency users). Specify the amount you wish to withdraw, generate a code, and use it at any UniCredit Romania cash withdrawal terminal. It’s a hassle-free solution for unexpected situations.

Pay Utility Bills with Ease

Paying your utility bills has never been easier. Simply scan the barcode on your invoice using the UniCredit app, and you can complete the payment without entering any additional details. This feature saves you time and ensures your bills are paid promptly.

Manage Your Card Settings Effortlessly

Need to block a card or adjust its limits? Access the Cards menu, select the card you wish to manage, and you’ll have full control over its settings. You can change POS or ATM limits, block or unblock the card, and decide whether to enable online payments—all at your convenience.

Repay Your Credit Card Easily

Looking to pay back your credit card? Simply select the credit card repayment option from either the Payments menu or the Cards menu after choosing the desired card. You can modify the repayment amount if needed and complete the transaction with a signature.

Open a Term Deposit in Minutes

Interested in saving for the future? Opening a term deposit is quick and easy. Just select the option from the Products menu and follow the prompts to set up your desired term deposit with just a few clicks.

Say Goodbye to the Digipass

Want to simplify your online banking experience? Activate the Mobile Token feature. This app generates unique passwords for each authentication or transaction authorization, eliminating the need for a physical digipass. Enjoy enhanced security and convenience with this modern solution.

Explore More Features

UniCredit offers a plethora of additional features designed to enhance your banking experience. From managing your investments to accessing personalized financial advice, the possibilities are endless. Take advantage of these tools to streamline your financial management and make informed decisions.

In conclusion, UniCredit provides a comprehensive suite of banking services that cater to your every need. Whether you’re looking to manage your account, make payments, or save for the future, the user-friendly interface and innovative features ensure that your banking experience is efficient and enjoyable. Embrace the future of banking with UniCredit today!