Mobile banker – Your personal advisor
 

The mobile banker is your dedicated banking contact whom you can reach directly by phone or e-mail. You can conveniently initiate requests at a location of your choice, and this service is available even outside standard banking hours.  The mobile banker provides information on our loan products (market-based and subsidized mortgage loans, personal loans, credit cards), account management options, and other financial services while taking into account your current financial needs and circumstances. The mobile banker service is available without limitation, providing assistance not only during the initial steps but at every stage of your banking journey. This convenient solution is always free of charge for you.

Mobile application service
  

Fast and secure banking with the mBanking mobile application. The UniCredit mBanking mobile application acts as a true financial assistant, helping you in your everyday life. You can check your account balance at any time. Thanks to transaction notifications, you will always know immediately when a credit is made to your account4. You can complete your transfers in moments, even in euros5. You can categorize your expenses, making it easier to decide where you can save. You can automate your standing transfer orders.        In the Investments module, you can monitor the performance of your securities and also place securities orders6. You can open a securities account. You can join the Card+ Discount Program, where offers from premium brands also await you.

This information is not exhaustive and does not constitute an offer; the data contained herein are for informational purposes only.

The detailed terms and conditions, as well as a detailed description of the bank account agreements and the deposit agreement, are contained in the bank’s current List of Conditions, Announcements and Business Regulations for the given product, which are available on our website and in our bank branches.

The Responsible Lending and Banking Glossary sections can help you get informed about taking out a loan, while the website of the National Bank of Hungary’s Financial Consumer Protection Center offers product descriptions to aid responsible decision-making as well as tools for comparing products. Please make decisions regarding borrowing responsibly and prudently, taking your income situation into account. A condition for the mortgage loan is property insurance on the collateral property that is encumbered by the bank's lien. Loan disbursement and repayment take place via a bank account held at UniCredit Bank; maintaining an UniCredit bank account is required for the duration of the loan term.

The APR was determined based on current conditions and applicable legislation, and the rate is subject to change if conditions alter. For variable-rate loans, the APR does not reflect the loan's interest rate risk.

The terms and conditions for the loan products listed above are set out in the List of Conditions for Retail Customers of UniCredit Bank Hungary Zrt. and in the Announcements regarding the terms and conditions of loans granted to private individuals (“Announcement – ​​Terms and conditions of loans granted to private individuals by UniCredit Bank Hungary Zrt.”). The Bank reserves the right to modify the terms and conditions. The Bank makes decisions regarding the granting of loans based on the submitted documents and in accordance with the provisions of its currently effective List of Conditions, General Business Conditions, Retail Business Regulations, and Bank Card Business Regulations. The Bank assesses the applicant's income situation and the loan collateral value of the property serving as security for the loan, in accordance with its own credit assessment policy and relevant legal regulations. Lists of Conditions and Announcements are available both at UniCredit Bank branches and on the Bank’s website.

The use of investment services provided by UniCredit Bank Hungary Zrt. (1054 Budapest, Szabadság tér 5-6; activity license no.: I-1523/2003; member of the Budapest Stock Exchange) is subject to additional conditions. The terms and conditions applicable to investment services are set out in the schedule of conditions titled "Securities Trading and Settlement Procedures.„ Pursuant to Act CXX of 2001 on the Capital Market, this notice qualifies as a commercial communication; pursuant to Act CXXXVIII of 2007 (Bszt.) and Commission Delegated Regulation (EU) 2017/565, it qualifies as a marketing communication.

Financial transactions are increasingly shifting to digital channels, giving rise to numerous new forms of fraud. These include fraud based on obtaining personal authentication and sensitive payment data—subsequently used to initiate unauthorized payment orders—as well as fraud relying on deception and psychological manipulation (where the payer is induced to initiate a payment order or approve one initiated by the fraudster), and fraud involving direct access to a cashless payment instrument held by the payer, such as a payment card, mobile banking service, or internet banking service.

An associated risk of the aforementioned forms of fraud is that, through the affected client’s (the Authorized Party’s) electronic access or online interfaces (e.g., internet banking, mobile banking), fraudsters may gain access not only to that client’s accounts but also to the accounts of other clients (the Authorizing Parties) over which the Authorized Party holds disposal rights or a standing power of attorney; consequently, the Authorizing Party may also fall victim to fraud.

If you receive a suspicious call or text message, or notice a transaction you did not initiate, please contact our telephone customer service team (+36 1/30 325 3200, menu option 1: Bank card blocking).

¹ The standard account maintenance fee for the Partner Aktív Nulla account package is HUF 1,569 per month per bank account. If a credit transfer equal to at least the amount of the current net minimum wage (currently HUF 214,600) is received into the account during the given month (excluding transfers between one's own accounts), the full amount of the account maintenance fee is credited back to the bank account. If the aforementioned credit condition is not met, the account maintenance fee is not credited back.

² For clients employed by one of our contracted Partner Payroll Package partners at the time of application, in addition to the active interest rate discount conditions specified in Section I.1.3 of the Announcement on Unsecured Loans, proof of a monthly net income of at least HUF 450,000 is also required.

³ APR calculated without taking interest rate discounts into account: 8.24–8.29%. The APR was determined based on current conditions, applicable legislation, and the assumption of contractual compliance with the terms of the loan agreement—including interest rate discounts applicable for the full term of the loan and the inclusion of a loan/bank account package; the rate is subject to change should conditions alter. If the premium for the property insurance covering the loan collateral is unknown to the Bank at the time the loan agreement is concluded, the Bank uses the following premium rates as a reference when calculating the APR (including the APR cap), based on the lending collateral value of the property (or properties) serving as collateral for the loan:

When calculating the APR, the bank took into account that the property valuation fee is refunded following the disbursement of the loan.

⁴ This feature is not automatic; the user must enable it on his/her device and also within the application. Notifications are not available on Huawei devices (running EMUI or HarmonyOS).

⁵ Within the European Economic Area.

⁶ Investment module (not available on EMUI/HarmonyOS systems); available to clients holding a securities account. It allows users to check balances, view the latest exchange rates and yield information, purchase retail government securities, and buy or sell investment funds and shares listed on the Budapest Stock Exchange (BÉT).