UniCredit Bank AG

Business Summary

Services
retail banking
private banking
corporate banking
Products
Area Served
Germany

UniCredit Bank AG provides products and services in the areas of retail banking, private banking, corporate banking. The range of products offered by UniCredit Bank AG includes current accounts, debit cards, credit cards, savings accounts, time deposit accounts (0.20 - 0.20 %), consumer loans (1.99 - 4.99 %), car loans (1.99 - 4.99 %), mortgage loans (0.35 - 1.45 %).

Account Opening
submit online application
branch visit

Opening an account with UniCredit Bank AG can be done by performing the following steps: submit online application, branch visit.

Ways to Bank
branch
online banking
mobile app

Products and services offered by UniCredit Bank AG are available at its branches and via its online banking system, mobile application.

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

The following current accounts are offered by UniCredit Bank AG.

Updated on 14 December 2019

FCB AktivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
58.80 EUR
Current Account Details
Product Name
FCB AktivKonto
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
5.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Debit card available
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
FCB AktivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
58.80 EUR
Current Account Details
Product Name
FCB AktivKonto
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
5.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Debit card available
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
FCB ExklusivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
178.80 EUR
Current Account Details
Product Name
FCB ExklusivKonto
Account Currency
EUR
Annual Costs
178.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card MasterCard
Account be can accessed via online banking, phone, branch
Available to German residents
FCB ExklusivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
178.80 EUR
Current Account Details
Product Name
FCB ExklusivKonto
Account Currency
EUR
Annual Costs
178.80 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card MasterCard
Account be can accessed via online banking, phone, branch
Available to German residents
FCB PlusKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
118.80 EUR
Current Account Details
Product Name
FCB PlusKonto
Account Currency
EUR
Annual Costs
118.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
FCB PlusKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
118.80 EUR
Current Account Details
Product Name
FCB PlusKonto
Account Currency
EUR
Annual Costs
118.80 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
FCB StartKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
FCB StartKonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
FCB StartKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
FCB StartKonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
HVB AktivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
58.80 EUR
Current Account Details
Product Name
HVB AktivKonto
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
5.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Debit card available
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
HVB AktivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
58.80 EUR
Current Account Details
Product Name
HVB AktivKonto
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
5.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Debit card available
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
HVB ExklusivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
178.80 EUR
Current Account Details
Product Name
HVB ExklusivKonto
Account Currency
EUR
Annual Costs
178.80 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
HVB ExklusivKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
178.80 EUR
Current Account Details
Product Name
HVB ExklusivKonto
Account Currency
EUR
Annual Costs
178.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
HVB PlusKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
118.80 EUR
Current Account Details
Product Name
HVB PlusKonto
Account Currency
EUR
Annual Costs
118.80 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
HVB PlusKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
118.80 EUR
Current Account Details
Product Name
HVB PlusKonto
Account Currency
EUR
Annual Costs
118.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30.00 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
HVB StartKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
HVB StartKonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card MasterCard
Account be can accessed via online banking, phone, branch
Available to German residents
HVB StartKonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.63 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
HVB StartKonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
10.63 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card MasterCard
Account be can accessed via online banking, phone, branch
Available to German residents

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

UniCredit Bank AG offers the following time deposit accounts.

Updated on 14 December 2019

HVB Festgeld
Sales Region
Germany
Investment Amount
5,000 - 50,000 EUR
Interest Rate (p.a.)
0.20 %
Deposit Term
72 months
Time Deposit Account Details
Product Name
HVB Festgeld
Account Currency
EUR
Min. Interest Rate (p.a.)
0.20 %
Max. Interest Rate (p.a.)
0.20 %
Min. Deposit Term
72 months
Max. Deposit Term
72 months
Min. Investment Amount
5,000 EUR
Max. Investment Amount
50,000 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
Deposit Guarantee. Time deposit accounts made with UniCredit Bank AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on time deposit accounts by non-residents of Germany is not taxed. Interest gained on time deposit accounts by residents of Germany is taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold by UniCredit Bank AG from the time deposit account.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by UniCredit Bank AG.

Updated on 14 December 2019

FCB Mastercard für Studenten
Sales Region
Germany
Card Currency
EUR
Card Provider
MasterCard
Card Type
Standard
Annual Costs
30.00 EUR
Credit Card Details
Product Name
FCB Mastercard für Studenten
Card Provider
MasterCard
Card Type
Standard
Annual Costs
30.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.75 %
Current Account Necessary
Bonus Program
FCB Mastercard
Sales Region
Germany
Card Currency
EUR
Card Provider
MasterCard
Card Type
Standard
Annual Costs
30.00 EUR
Credit Card Details
Product Name
FCB Mastercard
Card Provider
MasterCard
Card Type
Standard
Annual Costs
30.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.75 %
Current Account Necessary
Bonus Program

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by UniCredit Bank AG are shown in the table below.

Updated on 14 December 2019

HVB KomfortKredit
Sales Region
Germany
Borrowing Amount
2,500 - 50,000 EUR
Loan Term
12 - 84 months
Effective Rate (p.a.)
4.99 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
84 months
Min. Borrowing Amount
2,500 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
4.99 %
Max. Effective Rate (p.a.)
4.99 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by UniCredit Bank AG are shown in the table below.

Updated on 14 December 2019

HVB KomfortKredit
Sales Region
Germany
Borrowing Amount
2,500 - 50,000 EUR
Loan Term
12 - 84 months
Effective Rate (p.a.)
4.99 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
84 months
Min. Borrowing Amount
2,500 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
4.99 %
Max. Effective Rate (p.a.)
4.99 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Mortgage Loans

Mortgage loans are secured loans used for real estate financing purposes (for example, purchase of a new or existing property, construction of an own property, property renovation) without paying the entire value up front. A mortgage loan is secured by the collateral of specified real estate property and is repaid in installments. Mortgage loans offered by UniCredit Bank AG are shown in the table below.

Updated on 14 December 2019

Baufinanzierung
Sales Region
Germany
Borrowing Amount
100,000 - 1,000,000 EUR
Borrowing Rate (p.a.)
0.35 - 1.45 %
Loan Term
10 - 30 years
Mortgage Loan Details
Loan Currency
EUR
Min. Borrowing Amount
100,000 EUR
Max. Borrowing Amount
1,000,000 EUR
Min. Borrowing Rate (p.a.)
0.35 %
Max. Borrowing Rate (p.a.)
1.45 %
Min. Loan Term
10 years
Max. Loan Term
30 years
Min. Lending Amount
60.00 %
Max. Lending Amount
80.00 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also