UNICREDIT PARTNER SERVICE


Let’s talk about benefits!

Partnership and cooperation may bring advantages to our everyday lives that we could not attain otherwise. Take the advantage of this opportunity to benefit from the discounts available only to the Employees of UniCredit Partners!

 

What can the Partner Service offers to you?

For the employees of our Partner Companies we offer a discount package that holds advantages not only for weekdays, but for the important moments of life as well.

 

PARTNER AKTÍV PLUSZ PACKAGE

My needs are important and I am looked after. That’s why I bank here.

Account package with waivable monthly closing fees for those who bank on digital channels and who use their bank cards actively and like to save smaller amounts regularly. UDRI: 0,01%

PARTNER AKTIV PLUSZ PACKAGE

  • Monthly account handling fee can be zeroed out with reimbursement, from a monthly credit of HUF 120,000.1

Free services

  • direct debit orders2
  • purchases with debit card3
  • cash in payments through UniCredit ATMs 4
  • ATM cash withdrawal twice a month, up to the set bankcard limit 5,6
  • UniCredit Mobile application7
  • Internet banking7  
  • Telefon Banking and text messages (SMS) service
  • notification about credited items, in text messages 8

Debit cards

  • Mastercard Standard and Visa Classic9 debit cards issuer and fee is not charged10
  • Mastercard Unembossed debit card issuer fee with 50% discount11

Further benefits

  • Allianz Life Insurance offers with 10% discount12

Convenience services

PARTNER IKON PLUSZ PACKAGE

Freedom, I love! I enjoy unlimited banking for a fixed monthly fee.

Account package with potentially waivable fixed monthly closing fees An unlimited number of transactions on digital channels, for active bank card users who wish to save considerable sums and care about the security of their future. UDRI: 0,01%

PARTNER IKON PLUSZ PACKAGE

  • the monthly account handling fee can be reduced to HUF 204814

Free of charge in unlimited numbers

  • direct debit orders
  • standing orders and
  • one-off payments within and inter bank
  • cash withdrawals on domestic ATMs15
  • purchases with debit card3
  • Cash in payments through UniCredit ATMs 4
  • text message notifications about a wide range of transactions16

Free services

  • UniCredit Mobil application7
  • Telefon Banking and text messages (SMS) service
  • Mastercard Standard and Visa Classic9 debit cards issuer and fee is not charged10

Debit cards

  • Mastercard Unembossed debit card issuer fee with 50% discount11
  • Mastercard Gold and Visa Gold debit cards with discounted issuer fee17
  • Mastercard Unembossed supplementary card is free of charges11

Further benefits

  • Allianz Life Insurance offers with 10% discount12

Convenience services

  • Mobile banker or Premium banking13 assistance.
  • Investment orders submitted via telephone 18

PARTNER PRESTIGE PACKAGE

Special attention. This is the real convenience.

An unlimited number of free transactions, convenience services for no monthly charge and a waivable monthly closing fee. Loans and insurance, also investment offers with customized benefits. UDRI: 0,01 %

  • Monthly account handling fee can be zeroed out with reimbursement19

Free of charge in unlimited numbers

  • direct debit orders
  • standing orders and
  • one-off payments within and inter bank
  • cash withdrawals on domestic ATMs15
  • purchases with debit card3
  • Cash in payments through UniCredit ATMs 4
  • text message notifications about a wide range of transactions16

Free services

  • Internet Banking, UniCredit Mobil application 7
  • Telefon Banking and text messages (SMS) service

Debit cards

  • Mastercard Unembossed debit card free of charges20
  • Mastercard Standard and Visa Classic9 debit cards free of charges20
  • Mastercard Gold and Visa Gold9  debit cards free of charges20

Further benefits

  • A special offer of 3% HUF deposit interest rate for 2-month term deposits 21
  • Stock market orders at preferential rates 22
  • Allianz Life Insurance offers with 25% discount12

Convenience services

  • Mobile banker or Premium banking13 assistance
  • Investment orders submitted via telephone 18

Please ask our mobile banker for more details, about the discounts and the terms and conditions of the offer, or find out more from the current list of conditions.

FLEXIBLE ASSISTANCE FOR THE REALISATION OF YOUR PLANS

Overdrafts, Credit Cards, Personal Loans and Mortgages with partner discounts

DISCOUNTED OVERDRAFT FACILITY

Should you want to buy something offered at promotional price or you need to cover unexpected costs, the bank automatically fulfils your payment orders up to the amount of the overdraft facility belonging to the current account. Thus, with the overdraft facility, you can pay your invoices even if you face unexpected costs.


Overdraft facility with 1.00% discount compared to the standard interest rate, for the employees of Partner Companies, in case of Partner Aktív Plusz and Partner Ikon Plusz account packages. APR:30 22,88-24,81%

With the Partner Prestige package, you can take an overdraft facility23 at a discount rate equaling the prevailing central bank base rate +5% p.a.! APR: 6,06%

In case of overdraft applied related to  Partner Aktív Plusz package

  • Amount of the credit line: HUF 100,000-3,000,000; the available limit is specified based on the loan assessment; it can be a maximum of 250% of the regular monthly account credit/income.
  • You can apply for the UniCredit overdraft facility to redeem any existing overdraft facilities at other banks, too.
  • In our promotion24 if you use your account actively, the handling fee for the overdraft facility is HUF 0 for the first year. APR:25 22.88%
     

A representative example: When applying for an overdraft facility of HUF 375,000 related to Partner Aktív Plusz package, with a term of 1 year, the standard interest rate is 19.09%, and it is variable. This calculation was prepared assuming that the total credit line will be withdrawn immediately and the crediting defined during the term will be completed, then the portion available from the credit line will be withdrawn each time, in this case the APR is 22.88 %. Amount of instalment: HUF 5,966 which is the monthly interest rate calculated for the utilisation of the total credit line. For a loan contracted according to the conditions given herein, the total amount repayable by the client is HUF 452,924; the total cost of the loan is HUF 77,924 which includes the annual handling fee: HUF 528 of account handling fee beside interest.

 

In case of overdraft applied related to  Partner Ikon Plusz package

  • Amount of the credit line: HUF 150,000-3,000,000; the available limit is specified based on the loan assessment; it can be a maximum of 250% of the regular monthly account credit/income.
  • You can apply for the UniCredit overdraft facility to redeem any existing overdraft facilities at other banks, too.
  • In our promotion24 if you use your account actively, the handling fee for the overdraft facility is HUF 0 for the first year. APR:25 24.81%
     

A representative example: When applying for an overdraft facility of HUF 375,000 related to Partner Ikon Plusz package, with a term of 1 year, the standard interest rate is 19.09%, and it is variable. This calculation was prepared assuming that the total credit line will be withdrawn immediately and the crediting defined during the term will be completed, then the portion available from the credit line will be withdrawn each time, in this case the APR is 24.81%. Amount of instalment: HUF 5,966 which is the monthly interest rate calculated for the utilisation of the total credit line. For a loan  contracted according to the conditions given herein, the total amount repayable by the client is HUF 458,876 the total cost of the loan is HUF 83,876 which includes the annual handling fee: HUF 1,024 of account handling fee beside interest.

 

In case of overdraft applied related to  Partner Prestige package

  • Amount of the credit line: HUF 400,000-3,000,000; the available limit is specified based on the loan assessment; it can be a maximum of 250% of the regular monthly account credit/income.
  • You can apply for the UniCredit overdraft facility to redeem any existing overdraft facilities at other banks, too.
  • The handling fee for the overdraft facility is HUF 0. APR:26 6.06%

 

Representative example: When applying for an overdraft facility of HUF 400 000 related to Partner Prestige package, with a term of 1 year, the standard interest rate is 5.9%, and it is variable. This calculation was prepared assuming that the total credit line will be withdrawn immediately and the crediting defined during the term will be completed, then the portion available from the credit line will be withdrawn each time, in this case the APR is 34.36%. Amount of instalment: HUF 1 967 which is the monthly interest rate calculated for the utilisation of the total credit line. For a loan contracted according to the conditions given herein, the total amount repayable by the client is HUF 519 600; the total cost of the loan is HUF 119 600, which includes HUF 8 000 of account handling fee beside interest.

Representative example in such cases, when the Bank settles in every month a credit transaction with higher amount than HUF 600.000 on Partner Prestige account:
When applying for an overdraft facility of HUF 400 000 related to Partner Prestige package, with a term of 1 year, the standard interest rate is 5.9%, and it is variable. This calculation was prepared assuming that the total credit line will be withdrawn immediately and the crediting defined during the term will be completed, then the portion available from the credit line will be withdrawn each time, in this case the APR is 6.06%. Amount of instalment: HUF 1 967 which is the monthly interest rate calculated for the utilisation of the total credit line. For a loan contracted according to the conditions given herein, the total amount repayable by the client is HUF 423 600; the total cost of the loan is HUF 23 600, which does not include other fee beside interest.

Please ask our mobile banker for more details, about the discounts and the terms and conditions of the offer, or find out more from the current list of conditions.

CREDIT CARDS

With the Partner account packages, you can apply for a credit card at UniCredit at a discount annual interest rate.

In case of Partner Aktív Plusz and Partner Ikon Plusz packages:

UniCredit Gold credit card can be applied without an issuer fee, and in the following years we will give you a 50% discount on the card membership fee! APR:25 36.88%

Representative example: For the UniCredit Gold credit card projected onto a credit line of HUF 750 000. The monthly fixed credit interest to be charged is 2.24%. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 750 000 and a term of one year, the APR is 36.88%. If you accept a credit card with a credit line of HUF 750 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 37,500 but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 207,834, while the total estimated amount payable by the client: HUF 957,834 (which is includes the monthly handling fee HUF 150 and Credit card issuer fee: HUF 6,000 beside the interest.)

In case of Partner Prestige package:

  • You can apply for a credit card at UniCredit at a discount annual interest rate equalling the prevailing central bank base rate +5% p.a. (monthly interest is 0.492%)!
    APR:26 10.56%
    in case of compliance with the terms of reimbursement associated with the account package.
  • Additionally, the Issuer fee and annual Membership fee of UniCredit Orange, UniCredit Blue and UniCredit Gold credit cards applied for in relation to the account package are also released! 27 APR: 29.67-34.94%
What is a credit card good for?

  • You can use it to make safe purchases in Hungary and abroad as well as in the internet;
  • with the contactless function your purchases are even more convenient;
  • in our cash refund promotion28 you may receive a refund of HUF 1 for every HUF 100 you spend, provided that you fulfil the specified requirements, and in this way you can save thousands of forints each year;
  • as opposed to a debit card, you are not spending your own money but your own personal credit line;
  • there are several options for the method of repayment to choose from (e.g. credit transfer, automatic direct debit, cash deposit)
Representative examples

For the UniCredit Orange credit card projected onto a credit line of HUF 600 000. The monthly fixed credit interest to be charged is 0.492 %. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 600 000 and a term of one year, the APR is 34.94%. If you accept a credit card with a credit line of HUF 600 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 38 000, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 134 591, while the total estimated amount payable by the client: HUF 734 591, which is includes the monthly handling fee of Partner Prestige package: HUF 8 000, beside the interest.

For the UniCredit Blue credit card projected onto a credit line of HUF 600 000. The monthly fixed credit interest to be charged is 0.492%. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 600 000 and a term of one year, the APR is 34.94%. If you accept a credit card with a credit line of HUF 600 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 38 000, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 134 591, while the total estimated amount payable by the client: HUF 734 591, which is includes the monthly handling fee of Partner Prestige package: HUF 8 000, beside the interest.

For the UniCredit Gold credit card projected onto a credit line of HUF 750 000. The monthly fixed credit interest to be charged is 0.492%. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 750 000 and a term of one year, the APR is 29.67%. If you accept a credit card with a credit line of HUF 750 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 45 500, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 146 239, while the total estimated amount payable by the client: HUF 896 239, which is includes the monthly handling fee of Partner Prestige package: HUF 8 000, beside the interest.

Representative examples in such cases, when the Bank settles in every month a credit transaction with higher amount than HUF 600.000 on Partner Prestige account*:

For the UniCredit Orange credit card projected onto a credit line of HUF 600 000. The monthly fixed credit interest to be charged is 0.492%. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 600 000 and a term of one year, the APR is 10.56%. If you accept a credit card with a credit line of HUF 600 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 30 000, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 46 591, while the total estimated amount payable by the client: HUF 646 591, which does not include other fee, beside the interest.

For the UniCredit Blue credit card projected onto a credit line of HUF 600 000. The monthly fixed credit interest to be charged is 0.492%. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 600 000 and a term of one year, the APR is 10.56%. If you accept a credit card with a credit line of HUF 600 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 30 000, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 46 591, while the total estimated amount payable by the client: HUF 646 591, which does not include other fee, beside the interest.

For the UniCredit Gold credit card projected onto a credit line of HUF 750 000. The monthly fixed credit interest to be charged is 0.492%. If a credit card agreement is concluded with the bank for an indefinite period, the annual percentage rate (APR) for the 1-month settlement period in the first year: for a full loan amount, a credit line of HUF 750 000 and a term of one year, the APR is 10.56%. If you accept a credit card with a credit line of HUF 750 000 and after its receipt you spend the whole amount immediately, and only repay the minimum amount for 11 months which meets the criteria of the minimum repayment amount, calculated in this example: HUF 37 500, but settle the total debt in the 12th month, the total estimated fee of the loan based on the assumptions and parameters taken into account upon the determination of the APR: HUF 58 239, while the total estimated amount payable by the client: HUF 808 239, which does not include other fee, beside the interest.

*The APR has been determined with respect to the current conditions, prevailing legal provisions and, in the event of the contractual fulfilment of the loan contract, the interest rate calculated for the whole term of the loan with reimbursement of the monthly account handling fee for Partner Prestige package and the reference rate valid upon the disclosure of this announcement, and may be modified if the conditions of reference rate-based interest rates change, also including a change in the reference rate; the APR does not reflect the interest rate risk of loans with variable interest rates.

Please use our credit card comparison application available on our website, where you’ll find even more information on credit cards:https://www.unicreditbank.hu/en/individual/borrow/credit_card.html

PERSONAL LOAN WITH SPECIAL OFFER

MORTGAGE LOANS

In case of Partner Aktív Plusz and Partner Ikon Plusz packages.

You can choose from a variety of interest rates for mortgage loans offered at market interest rates; which could be linked to a reference interest rate29, varies by 5 or 10 years interest rate periods or may be fixed for a full 5-20 years maturity (with 12 months steps).

For some housing mortgage loans30 you may get a discounted interest rate of 1.30% if you fulfil the eligibility criteria for interest discount. APR:25,36 3.51 – 5.15% (APR calculated without the discounted interest rate is 4.48– 5.62%).

Representative example for a Stable Interest Loan with 1.25% TOP premium active discount31 and 20 years interest period: In the case of a loan of HUF 5,000,000 granted for a term of 10 years for housing purposes with a market interest and a lien registered on a property as collateral; the loan interest is fixed, the number of installments 120. The total fee of the loan transaction, in addition to the amount of the transaction interest, includes a real estate registration fee of HUF 12,600 and the monthly fee of the loan collateral insurance32, which is 3.50% of the installment: HUF 1,118/ month. The fixed annual transaction rate is 4.52%, the amount of the monthly fixed installment is: HUF 31,938, APR:25,36 5.15% The total cost of the loan is HUF 2,944,910 while the total amount payable by the consumer: HUF 7,944,910.

The premium for the property insurance to be taken out for the property serving as collateral for the loan is not known for the lender, the APR does not include it. Mortgage loans are subject to  have property insurance-contracted in UniCredit branch- for the collateral real estate and current account held at UniCredit Bank33, furthermore in case of Active plus, Premium active and TOP premium active discount, should have an appropriate and proper Generali loan repayment insurance32 in relation to the loan, which concluded through the Bank.

In case of Partner Prestige packages:

In the case of a housing loan, for our customers holding Partner Prestige account packages, the Bank provides an interest rate by 0.25% more favourable than the standard retail conditions (including the interest discounts included in the announcement).

Therefore, as compared with mortgage loans provided at market terms, you may as well get a discounted interest rate of 1.55%30 if you fulfil the eligibility criteria for interest discount. Minimum loan amount is HUF 5,000,000. APR:34 3.24-4.89%.

Our special offer for loans with a discounted interest rate is valid until withdrawal. As a precondition for the disbursement of mortgage loans, the customer should have a property insurance for the collateral real estate, pledged to the Bank, as well as an account at UniCredit Bank.

The value of APR calculated without the consideration of the account closing fee refund related to the account package: 7.43-8.49%

Representative example for a Stable Interest Loan with 0.85% TOP premium active discount31 and with special discount related to Partner Prestige Package, for 10 years interest period: In the case of a loan of HUF 5,000,000 granted for a term of 10 years for housing purposes with a market interest and a lien registered on a property as collateral; the loan interest is fixed, the number of installments 120. The total fee of the loan transaction, in addition to the amount of the transaction interest, includes a real estate registration fee of HUF 12,600 and the monthly fee of the loan collateral insurance32, which is 3.50% of the installment: HUF 1,094/month. The fixed annual transaction rate is 4.27%, the amount of the monthly fixed installment is: HUF 31,256. APR:25,37 4.87% The total cost of the loan is HUF 2,774,227 while the total amount payable by the consumer: HUF 7,774,227.

The premium for the property insurance to be taken out for the property serving as collateral for the loan is not known for the lender, the APR does not include it. Mortgage loans are subject to  have property insurance-contracted in UniCredit branch- for the collateral real estate and current account held at UniCredit Bank33, furthermore in case of Active plus, Premium active and TOP premium active discount, should have an appropriate and proper Generali loan repayment insurance32 in relation to the loan, which concluded through the Bank.

For more information on the details, the available discounted interest rates and their conditions, please refer to the dedicated advisor of the Bank.

SAVINGS

Special offers for deposit

DEPOSIT OFFER

Our customers with Partner Prestige account package may achieve an annual deposit interest rate of 3.00% if they invest their savings in our special offer of 2-month UniCredit HUF term deposits (UDRI 3.04%; standard UDRI 0.01%). It is one of eligibility criteria that the deposit should increase the amount of the customer’s savings held at the Bank.35

Our experts will help you in placing your savings, whether you want time deposits, regular saving schemes or other investments. If certain criteria are met, you can even increase your wealth by investing in tax-free saving schemes.

INSURANCE

ALLIANZ INSURANCES

You cannot only prepare for unexpected events with insurance but you can also invest your savings while ensuring protection with it against unpredictable events. What is more, you can prepare for the financial challenges of nurturing your children or retirement.

Under the Allianz „Gondoskodás” (Care) Programme, we provide a discount on the annual insurance fee  if you are newly insured in one of the UniCredit branches. The discount rate is 10% for Partner Aktív Plusz and - Pro, Partner Ikon Plusz and - Pro account package owners and 25% for the Partner Prestige account package owners,

Allianz “Gondoskodás” (Care) Programme

Allianz “Gondoskodás” Programme is a life insurance scheme that guarantees service provision by the insurance company in the event of an accident, illness or an unpredictable disaster. Apart from providing insurance protection, it also offers you flexible solutions for investing your non-recurring savings.

Allianz “Gondoskodás Program Plusz” (Care Programme Plus)

Under the Allianz “Gondoskodás Program Plusz” agreement, apart from providing the services included in the “Gondoskodás Program”, the insurance company shall also credit a no-claim bonus to the client’s account if no insurance service was requested during the term of the insurance.

For more details, please register on our website and we call you back, or our colleagues are available at our nationwide branch network or reachable via +36 (1/20/30/70) 325 3200-phone as well.

CONVENIENT ADMINISTRATION

Dedicated advisors

Have you ever been in a situation when you needed to talk to a specialist about your financial needs or get personal information about banking products outside of the bank's opening hours?

As part of our Partner services, we will provide you with a mobile banker, who be available at your workplace as well, if your employer provides this opportunity; supports you in the free bank change process in case you want to make use of the advantages offered by UniCredit going forward.

At your request, they personally assist you in preparing for your prospective bank transactions, follow up further steps, and keep in touch with you.

There is no extra cost for the mobile banking service!

This convenient solution - mobile banker service and information management - is in all cases free of charge for you.

Have we caught your attention?

Our mobile banker colleagues will contact you based on the data you submit and will discuss with you the details of the account opening or other product applications. The bank will use the data only for the purposes of data reconciliation and store it only for a period of 60 days from registration.

 

Are you interested, but have questions to ask?

If you would like to contact our bank urgently, please call our +36 1 801 1868 central information line, which is available within 24 hours.

 

 

Our Partner packages are offered to employees whose employer previously concluded a Cooperation Agreement with our Bank for these services. Those private customers are entitled to open a Partner account package who have registered on the electronic platform provided by the Bank or at the reception hours provided by the bank or at the branch network indicate their need in person and, before opening the account, their entitlement is proved by a duly signed employer's certificate filled in by the employer.

List of conditions:
Special Conditions for the Partner Prestige Account Package
Special conditions for UniCredit Partner Aktív Plusz and Partner Ikon Plusz Packages

Employer’s Certificate

Employer’s Certificate – For Partner Packages
Employer’s Certificate – Complete, for other products

The detailed terms & conditions, as well as a detailed description of bank account agreements and the term deposit agreement are included in the Bank’s Lists of Conditions from time to time in effect, its announcements concerning the given product and its Business Rule Books, which are available in our website as well as at our branches.

Our documents Responsible Lending and Banking Glossary may help you get informed about our credit products, and in the website of the Financial Consumer Protection Centre of the National Bank of Hungary you can find product descriptions that support responsible decision making and apps that enable comparisons. Please make a responsible and prudent borrowing decision, taking your income situation into account. Throughout the lifetime of the loan, you must maintain an account kept at UniCredit Bank. As a precondition for a mortgage loan, the customer should have a property insurance for the collateral real estate, pledged to the Bank.

 

The APR has been determined by taking into consideration the prevailing terms and conditions as well as the applicable legislation, and the rate may be modified if conditions change. For loans with variable interest rates, the APR rate does not reflect the interest rate risk of the loan.

This information is not all-inclusive. The terms of the credit products listed above are included in the List of Conditions for Retail Customers of UniCredit Bank Hungary Zrt. and its Announcements concerning the conditions of credit products offered to private individuals (“Announcement – Conditions of Loans Provided by UniCredit Bank Hungary Zrt. to Private Individuals”). The Bank reserves the right to amend its terms and conditions. The Bank shall take decision on providing the loan based on the submitted documents, in accordance with the provisions of its List of Conditions in its up-to-date version, its General Terms & Conditions, Retail Rule Book and Bankcard Rule Book, based on its own credit evaluation. Our Lists of Conditions and Announcements are available in the branch network of UniCredit Bank, as well as in its website.

1 The normal account handling fee of Partner Aktív Plusz Package is HUF 528/month/account. This amount is to be debited on the client’s account every month. The full amount of the account handling fee is credited promotionally on the account if minimum HUF 150 000 is credited – via Bank transfer – on the account during the given calendar month (transferring money among the own accounts of a Client is not considered as Bank transfer). HUF 207 is credited promotionally on the account if less than HUF 150 000 but at least HUF 75 000 is credited – via Bank transfer – on the account during the given calendar month (transferring money among the own accounts of a Client is not considered as Bank transfer).
If the credit conditions are not met, no refund will not be applied. The promotion is valid until revoked. In the promotional period, the Bank is not monitoring the incoming credit conditions on the account during the opening and the first following month. During this period the Bank is not charging the monthly account handling fee on the account. The promotion is valid until revoked.

2 Free of charge is a promotional offer of the Bank. The promotion is valid until revoked. Normal fee is 0.307% min. HUF 51, max. HUF 6,144..
3 The promotion is valid until revoked. Normal fee is 0.307%, max. HUF 6,144.
4 The booking entry fee will be charged after every transaction debited on the account above the normal transaction fee. The normal fee is 0,2% of the transaction maximum 6000 Ft. As promotion the Bank will not charge the fee above. This promotion is valid until revoked.
5 As a promotion the Bank will waive the right to charge the fee indicated above for the transaction numbers specified. This promotion is valid until revoked. Fees in excess of preferential transactions shall be subject to terms and conditions specified in the List of Terms and Conditions for Debit Cards. When determining the ATM transactions within a specific package, the date when the transaction is booked at the bank account shall be relevant, i.e. the transaction shall count towards the month when the actual booking takes place.
In case the Client is entitled in a given month to the free of charge cash withdrawal, the ATM discount set in the account package is not provided for the account which is submitted in the valid statement (details in footnote nr 6).
6 The bank is providing the free of charge cash withdrawal according to 2009. year LXXXV. law 36/A §, and according to 53/2013 (XI.29.) NGM decree. The statement about free of charge cash withdrawal can be submitted - to only one payment account - by the owner of the account who meets the legal requirements. The statement can be submitted in Bank Branches or via Spectranet Internet Banking if the Client has got access to the service.
If the Client is providing the debit card number on the statement for setting the free of charge cash withdrawal the bank will provide it for the account where the given debit card is set primarily. The Client is entitled to the free of charge cash withdrawal in the given month if a valid statement is submitted until the 20th of preceding month. If a statement is
submitted after the 20th if a given month, the free of charge cash withdrawal is provided to the Client from the second month following. The Client is entitled for free of charge cash withdrawal primarily via ATM. The free cash withdrawal is also available in Branch Cashier until 31.12.2014 for those clients who had no bankcard linked on 22.11.2013 to the account which had been set in the submitted statement. The Bank applies free of charge transactions in order to their actual date. If the total amount of transactions exceeds HUF 150 000 within the monthly first two cash withdrawal, then the % and maximum element of the normal transaction fee will be applied on the above part. If the Client uses the free of charge cash withdrawal fraudulently or submits invalid data on the statement, the Bank – according to law – is entitled to charge the normal fees after free of charge cash withdrawals retrospectively in one amount on the Clients account.
7 Normal fee: HUF 150 / month it is not charged by the Bank during the promotion period. The promotion period is valid until revoked.
8 The aforementioned discount shall be provided by the Bank as a special offer for credit entries on the bank account in the case of the Partner Aktív Account Package. This promotional offer is valid until withdrawn. As for the normal fees, the charges specified in the “Electronic services – List of conditions for retail clients” shall be applicable (currently HUF 36 per text message).
9 VISA International (VISA) imposes the International Service Assessment fee after all transaction made with bankcards bearing VISA logo - in currency other than VISA settlement currency - outside VISA EU region. The rate of the fee is 1% of the value of the transaction according to the current VISA Operation Regulation. The fee is automatically included in the debited transaction amount.
10 The fee indicated above is a promotional offer of the Bank. This promotional offer is valid until revoked. The normal Mastercard Standard PayPass and VISA Classic card issuer fee is included in the effective Debit Bankcard List of Conditions for Private Clients.
11 The fee indicated above is a promotional offer of the Bank. This promotional offer is valid until revoked. The normal Mastercard Unembossed card issuer fee is included in the effective Debit Bankcard List of Conditions for Private Clients. The special offer can be qualified for only the first Mastercard Unembossed supplementary card and is valid until revoked.
12 Under the Allianz „Gondoskodás” (Care) Programme, we provide a discount on the annual insurance fee  if you are newly insured in one of the UniCredit branches. The discount rate is 10% for Partner Aktív Plusz and Partner Ikon Plusz account package owners and 25% for the Partner Prestige account package owners,
13 In order to qualify as a Premium Banking customer, the following requirements have to be met:
-overall savings held with our bank* must exceed HUF 5 million OR
-  minimum HUF 300,000 is credited on the current account via Bank transfer (transferring money among the own accounts of a Client is not considered as Bank transfer by the Bank) per month.
* During the calculation of the overall savings the Bank takes into consideration the sight balance of UniCredit current accounts, term deposit balances – in case of foreign currency the Bank uses the actual mid-rate of the NBH during the conversion to HUF -  and the current
14 The normal monthly account handling fee of Partner Ikon Plusz account package is 4 096 HUF, that is debited on the account every month, except if the Account Holder has an overdraft, facility in the given calendar month, and the overdraft agreement entered into force before that month, and it is still effective, then HUF 1 024 is charged to the account as account maintenance fee. The promotions is valid until revoked
i) If the Account Holder fulfills one of the following requirements, then HUF 2 048 will be credited to the account in the following month, as a promotion:
- at least HUF 200 000 has been credited – via Bank transfer – on the account during the given calendar month (transferring money among the own accounts of a Client is not considered as Bank transfer),
- or has an overall savings**, held at our bank, in the daily closing average amount of at least HUF 5 000 000.
ii) If the Account Holder fulfills both of the following two requirements, then HUF 3 072 will be credited to the account in the following month, as a promotion:
- at least HUF 300 000 has been credited – via Bank transfer – to the account during the given calendar month (transferring money among the own accounts of a Client is not considered as Bank transfer),
- Account Holder has a loan of the following loan products: overdraft, credit card or mortgage loan, hence before the given calendar month a contract of any loan products listed above has entered into force and it is still in force.
As a promotion, the full account handling fee will be refunded in the following month, if the Account Holder’s average daily closing balance of savings** in the value at least HUF 30 000 000 in the actual month.
All promotions are valid until revoked.
**When calculating the amount of savings, the Bank shall take into account the available on-demand balance of UniCredit bank accounts and the balance of time deposits — with foreign currency balances taken into account at their HUF equivalent calculated at the MNB foreign exchange mean rate quoted for the relevant day — as well as the current market value of the consolidated closing portfolio of the customer’s securities account kept at UniCredit Bank as available on the relevant day.
15 The above fee is charged by the Bank as Promotion. The promotion is valid until revoked. The normal fee for cash withdrawal on UniCredit ATM in Hungary is 0,318%, min. HUF 222 in case of using Maestro, Mastercard Standard, VISA Classic, Mastercard Gold and VISA Gold bankcards, and 0,105%, min. HUF 105 in case of using Premium Banking Embossed Mastercard bankcard. The normal fee for cash withdrawal on other ATM in Hungary is 0,717%, + HUF 498 min. HUF 668 in case of using Maestro, Mastercard Standard, VISA Classic, Mastercard Gold, VISA Gold bankcards, and 0,425% + HUF 424, min. HUF 477 in case of using Premium Banking Embossed Mastercard bankcard.
16 This promotional offer is valid until withdrawn. As for the normal fees, the charges specified in the “Electronic services – List of conditions for retail clients” shall be applicable (currently HUF 36 per text message).
17 The promotional issuer fee of the MasterCard Gold and VISA Gold cards is Huf 9 216. The fee indicated above is a promotional offer of the Bank. This promotional offer is valid until withdrawn. The normal Mastercard Gold PayPass and VISA Gold card issuer fee is included in the effective Debit Bankcard List of Conditions for Private Clients.
18 The service is only available to the Bank's Premium Premium Banking customers that have been separately provided for this service. This category belongs to our clients who have at least HUF 30 million and a maximum savings of HUF 100 million at UniCredit Bank Hungary Zrt. In calculating the savings, the Bank shall take into account: the current market value of the outstanding balance of UniCredit bank accounts, the current market value of the cumulative closing stock available on the current MNB currency at the central rate of the MNB at the current exchange rate on the current day.
19 The normal account handling fee of package is HUF 8,000/month/account. This amount is to be debited on the client’s account every month. The full amount of the account handling fee is credited on the account if minimum HUF 600,000 is credited – via Bank transfer – on the account during the given calendar month (transferring money among the own accounts of a Client is not considered as Bank transfer). HUF 4,000 is credited promotionally on the account if less than HUF 600,000 but at least HUF 300,000 is credited – via Bank transfer – on the account during the given calendar month (transferring money among the own accounts of a Client is not considered as Bank transfer). HUF 2,000 is credited on the account if less than HUF 300 000 but at least HUF 200 000 is credited – via Bank transfer – on the account during the given calendar month (transferring money among the own accounts of a Client is not considered as Bank transfer). If the credit conditions are not met, no refund will not be applied. The Bank is not monitoring the incoming credit conditions on the account during the opening and the first following month. During this period the Bank is not charging the monthly account handling fee on the account. UDRI (Unified Deposit Rate Index): 0.01%
20 The fee indicated above is a promotional offer of the Bank. This promotional offer is valid until revoked. The normal Mastercard Standard PayPass and VISA Classic card, Mastercard Gold PayPass and VISA Gold card  issuer fee is included in the effective Debit Bankcard List of Conditions for Private Clients.
21 Our customers with Partner Prestige account package may achieve an annual deposit interest rate of 3.00% if they invest their savings in our special offer of 2-month UniCredit HUF term deposits (UDRI 3.04%; standard UDRI 0.01%). It is one of eligibility criteria that the deposit should increase the amount of the customer’s savings held at the Bank
The promotion is valid for 2 months calculated from account opening, and concerns deposits newly placed by private individuals (i.e. coming from outside the Bank) whereby the customer increases his/her savings held at UniCredit Bank as compared with a reference date determined in the List of Conditions for the Partner Prestige Package in its up-to-date version. For any further detailed terms of the special offer deposit, see the Bank’s List of Conditions for the Partner Prestige Package.
22  Valuable stock prices can be found in the Retail Announcement and List of Terms and Conditions that are available to you at any time in the Premium Banking and Premium Banking Customers. Current fee: 0.50% minimum HUF 3.000 (normal stock exchange fee: 1.00% minimum HUF 3.000).
23 The Bank ensures the special bank account conditions specified in the List of Conditions connected to the Partner Prestige account package for a term of 2 years from the date of account opening. After the lapse of 2 years from account opening, the account package will change into the “Partner Ikon Plusz” account package, and shall be governed by the terms and conditions set out in the document “Special Conditions for UniCredit Partner Aktív Plusz and Partner Ikon Plusz Packages”, with notice sent to the customer. The Bank may deviate from the 2-year period as per this section in the customer’s favour, and shall have the right to prolong it with notice to the customer.
24 The first annual management fee is excluded by the Bank. The action is valid until withdrawal.
25 The Annual Percentage Rate (APR) is the internal rate of return at which the present value of the liabilities payable by the consumer (installments and fees) expressed in annual percentage equals the loan amount disbursed by the lender. The total fee charged on the credit includes all items of consideration which are known to the creditor, which must be taken into account for the calculation of the Annual Percentage Rate according to specific legislation and which are payable by the borrower under the credit agreement. The APR has been determined in consideration of the current conditions and the prevailing legal provisions – in the case of other loan products, apart from credit card, using the Loan bank account –, and may be modified in the event of any changes in such conditions including any change in the reference rate. For loans with variable interest rates, the APR will not reflect the interest rate risk of the loan.
26 The APR has been determined with respect to the current conditions, prevailing legal provisions and, in the event of the contractual fulfilment of the loan contract, the interest rate calculated for the whole term of the loan with reimbursement of the monthly account handling fee for Partner Prestige package and the reference rate valid upon the disclosure of this announcement, and may be modified if the conditions of reference rate-based interest rates change, also including a change in the reference rate; the APR does not reflect the interest rate risk of loans with variable interest rates.
27 The Bank ensures the special conditions specified in the List of Conditions connected to the Partner Prestige account package for a term of 2 years from the date of account opening. After the lapse of 2 years from account opening, the terms and conditions set out in the document “List of Conditions for Credit Card Holding Retail Customers” in its up-to-date version shall govern, with notice sent to the customer. The Bank may deviate from the 2-year period as per this section in the customer’s favour, and shall have the right to prolong it with notice to the customer.
28 The details of the money refund action provided for retail credit cards and the terms and conditions of the credit can be found at https://www.unicreditbank.hu/en/individual/borrow/credit_card/statement.html.
29 The reference rate taken into account when defining the interest rate is included in the Bank’s Announcement on Loans provided by UniCredit Bank Hungary Zrt. for Private Individuals – Reference Rates.
The reference rate taken into account for the determination of APR is contained in the notice of "UniCredit Bank Hungary Zrt. For loans to private individuals - Reference Funds and Interest Change Indicators".
30 The interest rate discount is available for a fixed interest rate linked to a reference interest rate and fixed interest rate with full maturity.
31 The premium for the property insurance to be taken out for the property serving as collateral for the loan is not known for the lender, the APR does not include it. Mortgage loans are subject to  have property insurance-contracted in UniCredit branch- for the
collateral real estate and current account held at UniCredit Bank38, furthermore in case of Active plus, Premium active and TOP premium active discount, should have an appropriate and proper Generali loan repayment insurance37 in relation to the loan, which concluded through the Bank.
32 The Generali Loan Collateral Insurance concluded by the Bank as contractor for a group of loan collateral insurance that accessed by the customer, as secured to be created. The insurance fee payments necessary to maintain continuity during the entire term of the loan.
33 Transfers between your own accounts within the bank are not considered for the requirements of the Active, the Premium Active and the TOP Premium Active  discount.

34 The APR figure was determined jointly taking into account the current terms and conditions, the laws currently in force and, in the case of the contractual fulfilment of the credit agreement, the TOP premium active discount and the discount connected to the Partner Prestige account package, and furthermore the closing fee refund connected to the Partner Prestige account package for the entire term of the credit (the normal closing fee of the account package is HUF 8,000 per month); upon any change in the terms and conditions (including in case the interest rate is linked to a reference rate, any change in the reference rate), the measure of APR may change, and its value does not reflect the interest rate risk of the credit in the case of variable interest rate loans. The value of APR calculated without the consideration of the account closing fee refund related to the account package: 6.90-8.51%
35. The Bank reduces the amount of “new money” with all debit transfers (including the former deposited amount with the same condition during this special offer), except for the in-bank transfer orders between the accounts of the same Client. The in-bank credit transfers are ignored. The Bank ignores in-bank transfer orders including cash payments into any UniCredit bank account of the customer arising from cash withdrawals of any UniCredit bank accounts of any customers of the Bank, and transfer orders into any UniCredit bank accounts of the customer arising from any UniCredit bank accounts of any customers of the bank
36 The APR figure was determined jointly taking into account the current terms and conditions, the laws currently in force and, in the case of the contractual fulfilment of the credit agreement, the TOP premium active discount and the discount connected to the Partner Prestige account package; upon any change in the terms and conditions (including in case the interest rate is linked to a reference rate, any change in the reference rate), the measure of APR may change, and its value does not reflect the interest rate risk of the credit in the case of variable interest rate loans.
37 The APR figure was determined taking into account the current terms and conditions, the laws currently in force and, in the case of the contractual fulfilment of the credit agreement, the closing fee refund connected to the Partner Prestige account package for the entire term of the credit (the normal closing fee of the account package is HUF 8,000 per month, which was taken into account in the calculation of APR); upon any change in the terms and conditions, the measure of APR may change, and its value does not reflect the interest rate risk of the credit in the case of variable interest rate loans. The premium for the property insurance to be taken out for the property serving as collateral for the loan is not known for the lender, the APR does not include it.

 

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