UNICREDIT PARTNER SERVICE FOR THE EMPLOYEES OF SAP

 

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 UniCredit Privileged Partners!

 

What can the Partner Prestige package offers to you?

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

 

PARTNER PRESTIGE PACKAGE

For those who are looking for a bank account with free of charge transactions and even a refundable monthly account management fee. Those wishing to use individual credit facilities and want a unique savings offer.

PARTNER PRESTIGE BANK ACCOUNT

services for free of charges1

  • Account keeping with fee reimbursement2 UDRI: 0.01%
  • Direct debit orders free of charge
  • Standing orders free of charge
  • one-off transfers free of charge, if given electronically
  • Unlimited number of cash withdrawals free of charge from domestic UniCredit ATMs and any other ATM located in Hungary
  • Bankcard purchases free of charge
  • Free SMS notification on credits and debits received to the bank account as well as on bankcard transactions
  • The Issuer Fee and annual Membership fee of the debit cards are free of charge
  • SpectraNet Light and MobilApp services are free of charge

For the detailed terms & conditions, see the Special Conditions for the Partner Prestige Account Package in its up-to-date version.

1 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.

2The normal account handling fee of package is HUF 8000/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%

UNIQUE CREDIT AND LOAN CONDITIONS

Housing loan from an interest rate of 2,39%

 

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.

 

With the Partner Prestige account package, you can take an overdraft facility at UniCredit at a discount rate3.

  • Flexible, as you use as much as you need from the credit line, and the bank will automatically top up from the monthly income credited to the bank account.
  • Interest is only charged on the amount used.
  • You can apply for the UniCredit overdraft facility to redeem any existing overdraft facilities at another bank too; So that – in case of a positive rating – your finances can be more transparent.

APR: 6,06%4 In case the of the refund of the total monthly account maintenance fee.

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

3 The Bank ensures the special overdraft facility 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 concerning UniCredit Overdraft Facility as set out in the document “Announcement — Loans without Real Estate Collateral” 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.

4 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 value of APR calculated without the consideration of the account closing fee refund related to the account package: 34.36%

 

CREDIT CARD

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

In our cash refund promotion5 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.

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!6

APR: 10,42%7 In case the of the refund of the total monthly account maintenance fee.

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

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

5 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.

6 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.

7 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 value of APR calculated without the consideration of the account closing fee refund related to the account package: 31,47-37,39%

 

MORTGAGE LOANS

In the case of mortgage loans, we offer more favorable interest rates to our customers holding Partner Prestige account packages compared to retail conditions.

APR: 2.90-5.89%8 In case the of the refund of the total monthly account maintenance fee.

You can decide whether

  • you will use the loan to purchase a new or previously occupied homes, or for renovations or construction;
  • you require loan with a grace period of 6 or 12 months;
  • the loan is taken for a short time or a long-term and how long it takes to repay the amount: You can choose a maturity between 2 – 30 years;
  • what kind of real estate is offered as collateral: the collateral can be up to three Hungarian unencumbered residential, holiday resort or holiday property or construction sites.

You decide whether the interest rate of your mortgage loan should be:

  • indexed to the reference rate; in such cases, the Bank shall charge a fixed surcharge for the 12-month BUBOR (Budapest Interbank Offered Rate), or
  • variable by 5 or 10-year interest rate periods, or
  • fixed for the whole term, which may be 10, 15 or 20 years.

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 a Partner Prestige account at UniCredit Bank.

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

8 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: 7.31-10.08%

SAVINGS

3% HUF deposit interest rate

Plan your financial future consciously, and choose savings opportunities meet your life situation and plans!

A special offer of 3% HUF deposit interest rate for 2-month term deposits (UDRI 3.04%,  the standard UDRI of 0.01%).

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.9

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.

9 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.

PARTNER IKON PLUSZ PACKAGE

For those who are looking for a bank account with free transaction and individual loan offer.

If you often use your bank account, regularly initiate transactions, and would like to have predictable costs, the Partner Ikon Plusz account package may be the ideal solution for you. Partner Ikon bank account package can save you significant banking costs, because in addition to the reduced monthly closing fee10 HUF 1,024 it includes a number of free services. Recommended for highly active clients with higher-income. UDRI: 0.01%

  • Free of charges one-off transfers and standing orders
  • Free of charges direct debit orders.
  • Free of charges unlimited number of ATM cash withdrawals.11
  • Free of charges cash deposit through UniCredit ATMs.12
  • Free of charges text message notifications about a wide range of transactions.13
  • Card issuer fee is not charged in case of Mastercard Standard/VISA Classic debit card application.14

The bank offers additional discounts in the Partner Ikon Plusz package for those customers who have overdraft facility, credit card or mortgage loan at the Bank:15

  • the monthly account handling fee can be reduced further10
  • Free of charges SpectraNet Internet Banking Light service.16
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 Special Conditions for the Partner Ikon Plusz and Partner Aktív Plusz Account Package.

 

PARTNER AKTÍV PLUSZ PACKAGE

For those who want favorable transaction fees, and even a refundable monthly account management fee.

The advantage of the Partner Aktív Plusz Package is that it rewards receiving income. The monthly  account handling fee of HUF 510 can be reduced by fee reimbursement or it can be zeroed out. UDRI: 0.01%. Good choice for daily banking.


  • Monthly account handling fee that can be zeroed out with reimbursement, from a monthly credit of HUF 120,000.19
  • Free of charges ATM cash withdrawal twice a month, up to the set bankcard limit.20
  • Free of charges direct debit orders.21
  • Free of charges SpectraNet Internet Banking Light service.22
  • Free of charges Cash in payments through UniCredit ATMs.23
  • Free of charges notification about credited items in text messages.24
  • Card issuer fee is not charged  in case of  Mastercard Unembossed bankcard application. 25

The bank offers additional discounts in the Partner Aktív Plusz package for those customers who actively use26 their UniCredit credit card:

  • Free of Charge standing orders twice a month 27
  • Free of Charge payment orders given via electronic channel a total of four times a month28

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 Special Conditions for the Partner Ikon Plusz and Partner Aktív Plusz Account Package.

TRIPLA ACCOUNT PACKAGE

Want a bank account in the first year for monthly HUF 0?1

If you are not a UniCredit customer2 yet, then the Tripla Account Package may be the solution.

With the Triple Account Pack you can use a number of services free of charge, and in addition to the first 12 months, the monthly account handling fee will be refunded if you receive at least 150 000 HUF to the account via transfer.3 UDRI: 0.01%

The following free services are provided in the Tripla account package:

  • three direct debits4
  • three standing orders5
  • three in-bank online payment orders6
  • three bank-to-bank online payment orders7
  • three ATM cash withdrawals8
  • Mastercard Standard9 bankcard – with free travel insurance

You can easily and quickly settle your bank transactions with UniCredit Internet Bank or UniCredit MobilApp, which you can now download free of charge!10

The promotion is valid until revoked. The detailed description of the bank account contract is included in the General Terms and conditions and  in the Special Conditions for Triple Account Package.

 

1 The discount for a refund of the monthly account handling fee only applies to the first 12 months and subject to conditions. However, fee exemptions for a certain number of specific transactions detailed above are promotional and  valid until revoked. The HUF 0 monthly cost is only available for the first year, and in the case the account holder use the designated free services and the condition of the monthly account handling fee refunds is fulfilled.

2 Account package can be applied for by those private customers who do not have and haven’t had in the last 12 month –prior to informing the Bank about the intention of account opening- a private current account maintained by the Bank. Framework Contract will become effective only if the Account Owner makes a deposit of minimum HUF 1000 at the same time as the account is opened by the Bank..

3 The normal account handling fee of Partner Tripla Account Package is HUF 5000/month/account, which is to be debited on the client’s account every month.

In the first 12 month (calculated from the date of account opening) the full amount of the account handling fee –HUF 5000- 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). The promotion is valid until revoked.

In a 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.

From the 13th month (calculated from the date of account opening) HUF 3500 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). The promotion is valid until revoked.

4 Normal fee is 0,3%, minimum HUF 50, maximum HUF 6.000, it is not charged by the Bank during the promotion period. 4th and subsequent transaction orders in the given calendar month will be executed for normal fee.

5 Normal fee is 0,3%, minimum HUF 90, maximum HUF 6.000, it is not charged by the Bank during the promotion period. 4th and subsequent transaction orders in the given calendar month will be executed for normal fee.

6 Via SpectraNet Internet Banking/Mobil Banking and UniCredit Mobil Application intra-bank. Normal fee is 0,3%, minimum HUF 150, maximum HUF 6.000, it is not charged by the Bank during the promotion period. 4th and subsequent transaction orders in the given calendar month will be executed for normal fee.

7 Via SpectraNet Internet Banking/Mobil Banking and UniCredit Mobil Application inter-bank. Normal fee is 0,3%, minimum HUF 220, maximum HUF 6.000, it is not charged by the Bank during the promotion period. 4th and subsequent transaction orders in the given calendar month will be executed for normal fee.

8 Monthly the first two cash withdrawals are free of charges from domestic UniCredit ATMs. This fee is provided by the Bank as promotion. The promotion is valid until revoked. 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. The normal fee for cash withdrawal on UniCredit ATM in Hungary is 0,645%, min. HUF 240 in case of using Mastercard Unembossed, Mastercard Standard, VISA Classic, Mastercard Gold and VISA Gold card. Fee is HUF 100 in case of using Premium Banking Embossed Mastercard bankcard.  

Monthly the first cash withdrawal is free of charge from any domestic ATM. This fee is provided by the Bank as promotion. The promotion is valid until revoked. 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. The normal fee for cash withdrawal on other ATM in Hungary is 1,07%, + HUF 540 min. HUF 720 in case of using Mastercard Unembossed, Mastercard Standard, VISA Classic, MasterCard Gold and VISA Gold bankcards. Fee is 0,4% + HUF 400, min. HUF 450 in case of using Premium Banking Embossed MasterCard bankcard.

9 The fee indicated above is a promotional offer of the Bank. The special offer can be qualified for only the first MasterCard Standard or VISA Classic main card and is valid until revoked. The normal issuer fee of MasterCard Standard and VISA Classic card is included in the effective Debit Bankcard List of Conditions for Private Clients.

10 Normal fee of the UniCredit Mobil Application is HUF 150 / month it is not charged by the Bank during the promotion period. The promotion period is valid until revoked

FLEXIBLE ASSISTANCE FOR THE REALISATION OF YOUR PLANS

Personal loan and overdraft facility with discounted interest rate and convenient administration.

PERSONAL LOAN WITH SPECIAL OFFER

With a new personal loan offer, our customers can now realize their dreams more effectively!

The Akvizítor Promotion is only valid for clients with a Stable Interest Loan Agreement who make their claim through a mediator with a contractual relationship with the Bank.

Duration of the offer: 2018.09.24-2018.12.31.

Our loan offers you predictability, as the repayment installment is fixed over the entire term, so you can precisely plan your finances.

• Fixed installment installments without disbursement fee.
• The loan amount can be used freely.
• Optional duration of 12-84 months.
• Loan amount available from HUF 300,000 to HUF 7 million1.

The loan is disbursed to and should be repaid from a bank account held with UniCredit Bank, and during the loan period, UniCredit bank is required to maintain.

You can find more details in our announcement or ask for more information from our mobile banker colleagues.

 

DISCOUNTS FOR THE ENTIRE PERIOD

During the full term of your loan, you will receive an interest discount if you bank with us as follows.

A 7.99% interest rate is available under the Akvizítor Promotion with Premium Active Interest Discount over the entire period. APR2: 8.41%

You must have at least HUF 200,000 credited monthly on your UniCredit bank account.3 The credit does not have to be salary and you may receive more than one referral. At normal interest rate, APR2:19.86%

12.49% interest rate is available under the Akvizítor Promotion with Active Interest Discount over the entire period. APR2: 13.42%

For the discount, you must have at least HUF 110,000 credited monthly on your UniCredit bank account.3 Credit does not necessarily have to be salary and may come from multiple referrals. At normal interest rate, APR2: 19.86%

Representative example (with a duration of 12 to 84 months Stable interest rate personal loan without interest rebates):
In case of a HUF 3 000 000 Stable Interest personal loan application, for a 5-year duration the normal interest rate is annual 18.00%, the interest rate period of the lone is 5 years,  that means it is the same length as the duration, so the interest rate of the loan is fixed over the entire period.  The annual percentage rate index (APR2) is 19.86%, the monthly installment HUF 76,589. In the case of a loan requested under the conditions specified here, the total amount repayable by the consumer is HUF 4,598,135; the total fee of the loan is HUF 1,598,135 (which does not include any fees other than the transaction interest).

1 If the loan amount exceeding HUF 2 million, the bank requires the contract to be entered into a notarial deed, with the loan amount exceeding HUF 3 million obligated to include the spouse as a co-debtor in the credit transaction.

2 Determination of the annual percentage rate (APR) done by taking into consideration the current conditions and relevant applicable legalization; it is calculated with a loan amount of HUF 3 million and the account keeping fee of the Loan bank account package. If the conditions change the level of APR may change.

3 The transfer between your own accounts within the bank does not count on the performance of the Premium Active Discount and the Active Interest Discount condition. The expected monthly credit is monitored monthly by the bank from the 3rd month of the entire loan period. If, during the entire period, the committed monthly credit is not met, the next monthly repayment installment will be charged at normal interest rates until the credit condition is met again.


Our website at www.unicreditbank.hu, specifically the Responsible Lending page offers you advice to guide you in taking out a loan; you may also find the Banking Thesaurus useful in improving your knowledge of finances and loans. Please also visit the website of the Hungarian Central Bank (MNB), where descriptions and applications can help you make a responsible decision. Please make your borrowing decision responsibly and carefully, in consideration of your income situation.

This information is not exhaustive. The detailed terms and conditions of the Stable Interest personal loan are stated in UniCredit Bank’s General Business Conditions for Private Customers, the Announcement on loans without real estate collateral, as applicable to the product, and the List of Conditions. The bank makes its decision on granting the loan based on its own credit approval and subject to the conditions stated in its General Business Conditions for Private Customers, List of Conditions and Announcement on loans without real estate collateral. UniCredit Bank reserves the right to change its terms and conditions.

DISCOUNTED OVERDRAFT FACILITY

Overdraft facility with 1.00% discount compared to the standard interest rate, for the employees of Partner Companies, in case of the Partner Aktív Plusz and Partner Ikon Plusz account packages

In case of overdraft applied related to  Partner Aktív Plusz account 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 promotion18, if you use your account actively, the handling fee for the overdraft facility is HUF 0 for the first year. APR:19 22.57% (APR19 with normal conditions: 23,61%)

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 18.89%, 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 23.61%. Amount of instalment: HUF 5,903 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 454,858; the total cost of the loan is HUF 79,858 which includes the annual handling fee: HUF 2,900 and HUF 510 of account handling fee beside interest.

 

In case of overdraft applied related to  Partner Ikon Plusz account 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 promotion17, if you use your account actively, the handling fee for the overdraft facility is HUF 0 for the first year. APR:18 24.56% (APR18 with normal conditions: 25,64%)

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 18.89%, 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 25.64%. Amount of instalment: HUF 5,903 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 461,026 the total cost of the loan is HUF 86,026 which includes the annual handling fee: HUF 2,900 and HUF 1,024 of account handling 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 Special Conditions for the Partner Ikon Plusz and Partner Aktív Plusz Account Package.

CONVENIENT ADMINISTRATION

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.

Find out more about the available options and benefits, ask for the help of our mobile banker to find the ideal solution!

SPECIAL REFERRAL OFFER

HUF 10-15-20 thousand bonus reward!

Happy with our services? Why not recommend our account packages to your friends and acquaintances?

What advantages would these referrals earn you?

For every successful referral, we reward our retail and small business clients with the following bonuses (offer subject to certain conditions):

If you refer

  • a new retail client (excluding Premium Banking) we’ll credit your account with HUF 10,0001;
  • a new Premium Banking client we’ll credit your account with HUF 15,0001;
  • a new small business client we’ll credit your account with HUF 20,0001;

Further informations

What referrals are considered successful?

A referral is deemed successful if, during the promotion, the person you refer opens a retail account with our bank2 and applies for an associated Mastercard® debit card that gets activated by the end of the second month after the account is opened and their client status remains active4 on the last business day of the second month after the account is opened, or opens any small business account (except Exkluzív Bronz) and their client status remains active4 on the last business day of the third month after the account is opened.

Who can make a referral?

Any retail and small business client3 (except Exkluzív Bronz) meeting the conditions for active client status4 and, as a retail client, possessing a MasterCard debit card, or, as a small business client, having a debit turnover of at least HUF 5 million for every client referred during the first three months following the first day of the month after a referred account is opened.

What benefits do we offer to our new - referred - clients?

If you decide to bank with us as part of a referral during the promotional period and become a retail or small business client (this does not apply to our Exkluzív Bronz accounts), for the first six months we’ll waive the monthly fee for the first account opened (UDRI: 0.01%).

If you’re a new client happy with our services, refer us!

This way you become eligible for the reward applicable to existing clients that is presented earlier in this leaflet. The conditions listed there apply, with the provision that referrals made by new small business clients may not be subject to the terms referred to in footnote 3.

How to make a referral?

  • Download our referral form HERE.
  • Hand over the form signed and filled out with your and your referred party’s data to our colleagues at any UniCredit branch when opening an account.
  • If both you, your business and your referred party or business meet the conditions of participation, then you or your business will enjoy the benefit(s) listed in the Announcement.

For further information our mobile banker colleagues are at your disposal.

The information is not comprehensive and participation in the promotion is subject to additional conditions listed in the Announcement and conditions of participation for UniCredit Bank Hungary Zrt.’s “Refer a Client” special account opening offer. Additional information on account packages and contractual terms and conditions are included in the General Terms and Conditions, the bank’s relevant business conditions, announcements, and lists of conditions. UniCredit Bank reserves the right to have the conditions of promotion amended unilaterally. As part of the promotion, one referrer client may be eligible for credit rewards after a maximum of three successful referrals.

The special client referral promotion is valid until withdrawn or until 31 March 2019 at the latest.

1 Up to three successful referrals regardless of client category. Referrals made by bank employees are subject to different conditions that are set out in the Announcement relevant to the promotion.
2
Retail accounts available within the framework of the promotion include: Ikon, Superior Gold, Tripla, Bónusz, Fix, Privát Plusz, Partner Ikon Plusz, Partner Aktív Plusz, and Partner Bónusz TOP.
3 Clients with an active small business payment account with our bank prior to 1 October 2018.
4 The client status is considered active if during the 3-month period preceding the date relevant in terms of compliance with the active client status (or, if a shorter period has elapsed from the date of account opening by the referee, during the whole months elapsed since the account opening):

  • the aggregate average of the balance of the credit account (with no overdue debt) and deposit account as well as the net asset value of the securities account of the Referrer and/or the Referee is higher than or equal to HUF 5,000 (the absolute value of the balance of the credit account shall be taken into account, therefore, the bank calculates the loan with a positive sign), or
  • the Referrer and/or the Referee had at least 1 fulfilled transaction (including credit card transactions) initiated by them.

 

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. You can register until 31.12.2018.

 

Are you interested, but have questions to ask?

For further details, refer to our dedicated advisors, or call our central information hotline at +36 1 801 1868, which is available within 24 hours.

 

Baranyai Beáta
Direct Sales Professional
+36 70 453 6760
 baranyai.beata@dsf.unicreditgroup.hu

Debreczeniné Tóth Erzsébet
Senior Premium Banking Advisor
 +36 1 437 4723
 Erzsebet.Debreczenine.Toth@unicreditgroup.hu

 

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.

Related documents:

Special conditions for UniCredit Prestige Package
Special conditions for UniCredit Partner Aktív Plusz and Partner Ikon Plusz Packages
Special Conditions for Tripla Account Package

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.

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.

10 The normal monthly account handling fee of Partner Ikon Plusz account package is 4,096 HUF, that is debited on the account every month.

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:  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.

iii) 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.

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.

** 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 market value  of the aggregate closing balance of the securities account at UniCredit Bank as well.

11 This promotional offer is valid until withdrawn and shall apply to domestic cash withdrawals. The normal (non-promotional) fee for cash withdrawal from UniCredit ATMs in Hungary for Maestro, Mastercard Unembossed, Mastercard Standard, Visa Classic, MasterCard Gold, Visa Gold bankcards: 0.307%, minimum HUF 215, for Premium Banking Embossed MasterCard bankcards: 0.102%, minimum HUF 102. The normal fee for cash withdrawal from other ATMs in Hungary for Maestro, Mastercard Unembossed, Mastercard Standard, Visa Classic, Mastercard Gold, Visa Gold bankcards: 0.686% + HUF 481, minimum HUF 645; for Premium Banking Mastercard bankcards: 0.4%1 + HUF 409, minimum HUF 460.
12
Calculation of fee: the normal fee is 0.2% of the deposit, which will not be charged by the Bank as a special offer. This promotional offer is valid until withdrawn..
13
The aforementioned discount shall be provided by the Bank as a special offer for the Partner Ikon Plusz Account Package for the debit and credit entries on the bank account and successful, unsuccessful and cancelled cash withdrawals and purchases with debit cards. 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).
14
This promotional offer is valid until withdrawn. Promotion can be qualified for only one piece of main card and is valid until revoked The Mastercard Standard or VISA Classic debit bankcards not promotional, normal issuer fees are specified in the currently valid “List of Conditions for Retail Clients – Debit Bankcards”
15
“Activity criteria”: the Bank provides further discount related to Partner Ikon Plusz account package, if Account Holder fulfills the following requirement (“Activity criteria”):

- 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: 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..
16
If Account Holder has a loan of one 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, then service is provided by the Bank promotionally free of charges in the given calendar month. Promotion is valid until revoked. Normal fee is HUF 150 per month.
17
  The condition for participating in the promotion is that an income of a minimum of 25 percent of the approved credit line should be credited to the bank account connected to the credit line, for a period of 12 months following being granted the service. The details and the valid conditions are included in the Announcement for Loans not Secured by a Property. This promotional offer is valid until withdrawn. The current standard amount of the handling costs is 1 percent of the credit line, minimum HUF 2,900.
18
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. For loans with variable interest rates, the APR will not reflect the interest rate risk of the loan.
19
The rates indicated above are provided by the Bank as a promotional offer and are subject to specified conditions. This promotional offer is valid until withdrawn. The condition for crediting the full amount of the closing fee is that, in the given calendar month, the client should have at least HUF 120,000 in total credited to the account from transfer transactions (transfers between own accounts are excluded), while the condition for the partial crediting of HUF 200 is that the client should have at least HUF 75,000 in total credited to the account from bank transfers. The non-handling fee is HUF 510.
20
As a special offer, the Bank shall not charge any fee for cash withdrawal from one domestic UniCredit and another domestic ATM, up to the limit of the daily bankcard limit. This promotional offer is valid until withdrawn. “List of conditions for retail clients – debit bankcards” shall apply to the amount of the daily bankcard limit and the non-promotional fees. The normal (non-promotional) fee for cash withdrawal from UniCredit ATMs in Hungary for Maestro, Mastercard Unembossed, Mastercard Standard, Visa Classic, Mastercard Gold, Visa Gold bankcards: 0.307%, minimum HUF 215, for Premium Banking Mastercard bankcards: 0.102%, minimum HUF 102. The normal fee for cash withdrawal from other ATMs in Hungary for Maestro, Mastercard Unembossed, Mastercard Standard, Visa Classic, Mastercard Gold, Visa Gold bankcards: 1.096% + HUF 552, minimum HUF 737; for Premium Banking Embossed MasterCard bankcards: 0.41% + HUF 409, minimum HUF 460. The free ATM transaction(s) included in the given fee package are determined based on the date of booking on the bank account i.e. the transaction will belong to the month in which it is booked. If in respect of the relevant account and for a given month, based on the declaration submitted, a client is entitled to statutory free cash withdrawals, for such month the ATM fee discount included in the account package shall not be valid.
21
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.
22
Normal fee: HUF 150 / month it is not charged by the Bank during the promotion period. The promotion period is valid until revoked.
23
Calculation of fee: the normal fee is 0.2% of the deposit, which will not be charged by the Bank as a special offer. This promotional offer is valid until withdrawn.
24
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).
25
This promotional offer is valid until withdrawn. Promotion can be qualified for only one piece of main card and is valid until revoked The Mastercard Unembossed debit bankcard not promotional, normal issuer fee is specified in the currently valid “List of Conditions for Retail Clients – Debit Bankcards”
26
Activity criteria”: the Bank provides further discount related to Partner Aktív Plusz account package, if Account Holder fulfills the following requirement (“Activity criteria”):

- applies for a credit card (issued by the Bank) as private customer and uses this credit card actively as defined by the Bank (“active card usage”): “Active card usage” is defined by the Bank as an activity, when minimum HUF 150.000 of card transactions is debited on the credit card account in every period of 6 settlement cycles after signing credit card contract. In case of transactions not initiated in HUF the converted HUF amount debited on the credit card account shall be counted.

If Account Holder fulfills the requirements described above (“activity criteria”), then the Bank provides special conditions - detailed in this List of conditions - from the calendar month following the 6. settlement period after signing credit card contract and the Bank provides these special conditions at least for 6 calendar months. The Bank looks over the fulfillment of active card usage at the end of every 6. settlement period, and if the requirements are not fulfilled, in such case Account Holder shall not be entitled to these special conditions in the following 6 calendar months, and fees not linked to activity criteria indicated in this List of Conditions shall be applied.
27
If Account Holder fulfils criteria describe in section 26 above, in such cases Bank executes the first two standing orders in the given calendar month promotionally free of charge, and in case of other transactions the Bank does not charge minimum fee . Promotion is valid until revoked. The order of transactions is defined based on the booking dates in the given calendar month. Normal fee is 0.307% min. HUF 92, max. HUF 6,144
28
If Account Holder fulfils criteria describe in section 26 above, in such cases Bank executes the first two transfer orders (initiated via SpectraNet Internet Banking / Mobil Banking and UniCredit Mobil application)  in the given calendar month promotionally free of charge, and in case of other transactions (initiated via SpectraNet Internet Banking / Mobil Banking and UniCredit Mobil application)  the fee is 0.307% , max. HUF 6,144. Promotion is valid until revoked. The order of transactions is defined based on the booking dates in the given calendar month.

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