Superior Gold account package

Are you looking for an account that offers a full refund of the monthly account management fee? Would you like to enjoy the extra care and services provided for Premium Banking clients (upon fulfilling the conditions1)? If so, the Superior Gold account package with a free Mastercard Gold debit card may be the ideal solution for you!

To who do we recommend the Superior Gold account package?

The Superior Gold account package is recommended for clients who wish to enjoy the extra services provided by the Gold card during their travels,

and for those who wish to eliminate the monthly closing fee of their bank accounts completely through a refund2 and wish to use the SpectraNet Internet Banking Light free of charge as well. Unified Deposit Rate Index (EBKM): 0.01%

How can account management fees be reduced?

You can reduce the monthly account management fee to 0 through ay refund2, by opening a Superior Gold account at our bank as a new3 client, if a minimum amount of HUF 400,000 per month is credited to the account as a result of transfers or, if the amount of your savings at the bank reach at least HUF 5,000,000, based on the average of the daily closing balances2.

The monthly closing fee of the account is normally HUF 4,000, which will be refunded each month1, provided that the above conditions are met.

As an existing client4, you can reduce the monthly account management fee of Superior Gold to HUF 02 if a minimum amount of HUF 400,000 per month is credited to the account as a result of transfers or, if the amount of your savings at the bank reach at least HUF 10,000,000, based on the average of the daily closing balances2.

Transfers between your own accounts within the bank are not considered transfers. Unified Deposit Rate Index (EBKM): 0.01%

Which beneficial services does the Superior Gold account package include?

  • The Mastercard Gold contactless primary debit card is free of issuer and membership fees, and purchases with the bank card are also free of charge5.
  • If you request a Mastercard Gold contactless debit card, you can register for the Mastercard Premium Selection programme free of charge and you qualify for its exclusive offers.
  • By presenting your boarding pass and Mastercard Gold debit card, you can use the Mastercard Lounge at the Sky Court terminal of the Budapest Ferenc Liszt International Airport free of charge.
  • And with the Gold level travel, health, accident and luggage insurance included in the card, you can feel safe in your homeland and abroad as well.
  • You can use the SpectraNet Internet Banking Light without any monthly fees and with favourable transaction fees.
  • You can manage your regular transfers and direct debit orders with favorable transaction fees.

What else do we recommend beyond your bank account?

Learn more about our Premium Banking service.

Would you like to invest your savings? Learn more about the securities and deposits offered by UniCredit Bank.

Insurance and financial growth at the same time. Learn more about the unit-linked life insurance offered by UniCredit Bank.

Would you like to prepare for unexpected expenses? Click here if you are looking for an opportunity to top up the balance of your bank account.

If you travel abroad frequently or you would like to invest a larger sum in FX, you may open a foreign exchange account.

Useful information on using your bank account

If you are not our client yet, please read the most important information on simplified bank changes.

Submit your statement so you can withdraw money free of charge for the first two times each month from domestic ATMs up to a total amount of HUF 150,000 as per the relevant law.

You can not only withdraw but also deposit money at suitable UniCredit ATMs. And, in our promotional offer (valid until withdrawn), you can do so free of charge6.

  • Avoid standing in line at the post office and instead of using yellow cheques pay your utility bills easily and safe with direct debits. You can read about the advantages of direct debits in Hungarian HERE.

This information is not comprehensive and does not qualify as a contractual offer. The detailed descriptions of the account and deposit agreement and the products and services are included in the announcements and lists of conditions of UniCredit Bank for retail clients and the General Terms and Conditions, as well as the Rules of Retail Business and the Business Rules on Bank Cards. The bank reserves the right to modify the conditions.

1 Conditions for getting Premium Banking client status: Premium Banking benefits are only available for clients with a Premium Banking client status. The conditions for getting and keeping a Premium Banking client status are:

  • your savings with our bank must exceed HUF 5,000,000; When calculating the savings, the Bank considers the sight balance of accounts held at UniCredit Bank, the balance of term deposits – for FX deposits, the HUF balance calculated at the FX mid-market rate valid on the given day – and the current market value of the available aggregate closing portfolio of securities accounts held at UniCredit Bank. 
  • a minimum amount of HUF 400,000 should be credited to the account as a result of transfers per month (not including transfers between your own accounts); Credit items are calculated based on the values of the incoming credit items to the UniCredit bank accounts. The exchange rates of FX credit items on bank accounts are calculated based on the MNB approved mid-market rate valid on the last workday of the month preceding the subject month. The fulfillment of the segment criteria is checked in the second half of each year, when the Bank inspects whether the clients have actually fulfilled the conditions by checking the average stocks and the credits of monthly income for the 6-month period preceding the inspection. The change in client status is not retrospective. The conditions of contracted investment and credit products will not change until expiration. Account conditions may change upon fulfillment of the information requirements as per Act CXII of 1996 on Credit Institutions and Financial Enterprises and Act LXXXV of 2009 on the Provision of Payment Services. After status changes, clients are no longer eligible for Premium Banking conditions.

2 The standard monthly closing fee of the Superior Gold account package is HUF 4,000/month, which will be debited to the bank account of the account holder in respect of the subject month, in each case. As per our promotional offer, if the client fulfills any of the following conditions in the subject month, HUF 4,000 will be credited from the monthly closing fee for the next month:

  • if a minimum amount of HUF 400,000 is credited to the account as a result of transfers in the subject month (not including transfers between your own accounts);
  • for new clients3: if, in the subject month, the account holder has savings of at least HUF 5,000,000 at the bank, based on the average of the daily closing balances;
  • for existing clients4: if, in the subject month, the account holder has savings of at least HUF 10,000,000 at the bank, based on the average of the daily closing balances;

When calculating the savings, the bank considers the sight balance of accounts held at UniCredit bank, the balance of term deposits – for FX deposits, the HUF balance calculated at the MNB FX mid-market rate valid on the given day – and the current market value of the available aggregate closing portfolio of securities accounts held at UniCredit bank. This promotional offer is valid until withdrawn.

Within the framework of the promotional offer, the bank will not check whether the criteria specified above are met in connection with the Superior Gold account package in the month the account is opened and in the following month; also, in these two months, the bank will not charge the monthly account handling fee. The promotional offer is valid for new clients3 only. This promotional offer is valid until withdrawn.

3 Clients who did not have a retail bank account at the bank on 01/06/2016 and in the preceding 1 year are considered new clients by the bank.

4 Clients who had a retail bank account or any other savings account at the bank on 01/06/2016 or in the preceding 1 year are considered existing clients by the bank. The following are considered savings accounts by the bank: Customer account, Permanent Investment Account, Retirement Pension Advance Savings Account, Stability Savings Account, Savings Account or Regular Savings Account.

5 In our promotional offer (valid until withdrawn), payments by bank cards are free of charges. The standard fee is 0.3%, max. HUF 6,000, and, as a special offer, the bank will not charge this fee.

6 Calculation method: the normal fee is 0.2% of the deposit and, as a special offer, the bank will not charge this fee. This promotional offer is valid until withdrawn.