Diákszámla Zéró Account

 

Start living independently with the right bank account! If you need an account where you can transfer your allowance, scholarship or first salary from your parents, but it’s important to you that your finances don’t amount to much, choose a Diákszámla Zéró Account. If you are over 18 years old, you can choose Internet Banking and Mobile Application Services to go along with your discounts, so you can do your banking quickly and conveniently

To whom do we offer the Diákszámla Zéró Account?

to young people aged 14-26, who are

  • high school students, looking for an account for their pocket money, or
  • university or college students, and have their scholarships transferred to it, or
  • career starters with their first salary, or
  • looking for a preferential account package.

If the user is under 18 years of age, a legal guardian must be present and sign the account, and the account may be used with limited discretion within certain limits.

Why is the Diákszámla Zéró Account advantageous?

  • Preferential monthly fee: the account management fee is HUF free of charge1, (EBKM [Unified Deposit interest Rate]: 0.01%).
  • If a MasterCard Standard main card is applied for, the issuer fee will be waived as promotion.2
  • As a promotional offer, the Bank will not charge the card issuing fee for the first Mastercard Standard card application for the Diákszámla Zéró Account. Also as a promotional offer, the first annual membership fee for the first issued Mastercard Standard Mastercard is HUF 0, from the second year onwards, the membership fee is 50% of the total annual membership fee for as long as the customer is on this account package. The promotion is valid for Student Zero accounts opened between 31.03.2024 and 30.09.2024 and Mastercard Standard Master Cards applied for. 2
  • Purchases with debit cards, at home and abroad. 
  • You can also use the card to top up your mobile phone balance at UniCredit ATMs.

What we also offer with a Diákszámla Zéró Account...

  • Manage your banking online or on your mobile, at home or on the move with the help of Internet Banking and Mobile Application Services, which you can apply for if you are over 18.
  • Do you sometimes incur large, unexpected expenses? If you are over 18, there is an option for you to top up your bank account balance for just such cases. Click for details!
  • If you plan to spend a semester or a shorter period abroad, apply for a foreign currency account.

USEFUL INFORMATION ON HOW TO USE YOUR BANK ACCOUNT

  • If you already have an account with another bank, we can help you switch banks! Read the key facts about the simplified bank switching.
  • Submit your declaration so that, on the basis of the legal regulation, the first two domestic cash withdrawals per month are free of charge, up to a total amount of HUF 150,000!  Please note that only persons over the age of 16 may submit a declaration.
  • Cash deposits at UniCredit ATMS suitable for the purpose are free of charge in our promotion until 30.09.2024 3 in Hungary.
  • The Diákszámla Zéró Account is automatically converted to a Private Plus Account from the first day of the month following the account holder's 26th birthday. From then on, the Account Holder will be subject to the terms and conditions of the Private Plus account, which are set out in the current List of Retail Conditions.

Apply for the [UniCredit Mobile App] with your account package to stay up-to-date with your finances.

Related documents

  • MNB’s information on finances for young people (in Hungarian)
  • List of Conditions

This information is not comprehensive and does not constitute a contractual offer. The detailed description of debit cards and the electronic services are included in the announcements and lists of conditions of UniCredit Bank for private customers, the General Terms and Conditions, as well as the General Business Conditions for Private Customers and the Bank Cards Terms and Conditions. The bank reserves the right to amend conditions.

1 Method of calculation of the monthly account management fee: 0.01% of the amount of the transactions, at least the amount indicated. As a special offer, the Bank will not charge the minimum amount indicated above. The promotion is valid until 30.09.2024.

2 MasterCard Standard bankcard standard issuer fee: HUF 7 832, membership fee: HUF 10 395, which is debited annually in arrears. Method of calculating the membership fee: 0.1% of the amount of successful and cleared annual purchases made with the bankcard during the 12 months preceding the due date, with a minimum of the amount indicated. As a special offer, the Bank will not charge the minimum amount indicated above. This promotional offer is valid until withdrawn.

3 Calculation of charges: the normal fee is 0.2% of the deposit, which will not be charged by the Bank as a special offer. This special offer is valid until withdrawal.

On the basis of Government Decree 144/2018 on certain issues of information on fees related to payment accounts for consumers (hereinafter: the Decree),  the Bank uses standardised terminology in its commercial and marketing information on the most typical services related to its payment accounts from 1 August 2019, about which you can find more information below: www.unicreditbank.hu/padtajekoztato