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Legislative Accounts

Basic Banking Product

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Payment account with basic functions (standard account)

Who the product is intended for

UniCredit Bank Czech Republic and Slovakia, a.s., pobočka zahraničnej banky Bratislava, (the “Bank”) provides banking services in the scope of a standard account to a consumer who:

  • Resides in the European Union, including a consumer not residing in the Slovak Republic, an asylum seeker, and a consumer who has not been granted a residence permit but whose expulsion is not possible for legal or factual reasons;
  • Applies in writing at the Bank to open a standard account; the application shall be accompanied by a declaration on the consumer’s honour that he/she has no other payment account opened in a bank or foreign bank branch, except for a deposit account, financial deposit confirmed by a deposit book or receipt of deposits in the form of a savings programme, namely saving with a payment card or saving by a one-off or regular transfer of funds in a bank or foreign bank branch;
  • Has no other payment account opened other than a deposit account, financial deposit confirmed by a deposit book, or except the receipt of deposits in the form of a savings programme, namely saving with a payment card or saving by a one-off or regular transfer of funds in a bank;

(hereinafter the "Authorised Person")

An Authorised Person provided with a standard account must not open any other payment account other than a deposit account, financial deposit confirmed by a deposit book or receipt of deposits in the form of a savings programme, namely saving with a payment card or saving by a one-off or regular transfer of funds in a bank.

Product parameters
  • Opening, keeping and cancellation of a payment account;
  • Unlimited number of payment operations in EUR by
    • Depositing funds in cash to a payment account at a place where the Bank operates in the Slovak Republic;
    • Withdrawing funds in cash from a payment account;
      • Without using an international debit payment card at a place where the Bank operates in the Slovak Republic;
      • By international debit payment card via ATMs from the network of the Bank or foreign bank branch within the consolidated unit;
    • By cashless transfer of funds from a payment account or to a payment account by credit transfer, including a standing order for credit transfer or by direct debit, including a standing order for direct debit within the European Union;
      • At a place where the Bank or foreign bank branch operates;
      • Through technical equipment allowing for remote access to a payment account;
    • By cashless transfer of funds using an international debit payment card;
  • Issuance of one international debit payment card and each automatic renewal after its expiration.
Fees

The amount of the fee for a standard account is specified in the Price List for Individuals.

Reasons for turning down applications for opening a standard account

The Bank turns down an application for opening a standard account, provided:

  • The opening of the standard account contradicts Act No. 297/2008 on the Prevention of Money Laundering and Terrorist Financing and on the Amendment and Supplementation of Certain Acts;
  • The Authorised Person has a payment account opened in a bank or foreign bank branch containing all the banking services of a standard account;
  • The period of 30 calendar days from service of the Bank’s notice to amend an incomplete or duly completed application expires in vain.

The Bank must not make opening a standard account conditional upon the provision of other services or offerings of the Bank’s stock, if such a condition applies to all its clients.

Out-of-court dispute resolution

You can file your complaint

  • Orally at branches of UniCredit Bank Czech Republic and Slovakia, a.s., pobočka zahraničnej banky Bratislava
  • In writing at: UniCredit Bank Czech Republic and Slovakia, a.s., pobočka zahraničnej banky, Útvar Riadenie kvality služieb (Service Quality Management Unit), Šancová 1/A, 813 33 Bratislava
  • By phone via UniCredit Bank customer service or
  • By electronic mail through the contact form at www.unicreditbank.sk.

The Bank usually handles complaints within 30 days of filing, no later than 6 months in complex cases.

  • Besides filing a complaint, you can also use, for instance, the institute of the banking ombudsman as one of the methods for out-of-court dispute resolution. The procedure of the Banking Ombudsman when handling submissions is available at: http://www.bankovyombudsman.sk/wp-content/uploads/2015/07/Postup_BO_150101.pdf
  • Also, you can make use of the possibility of bringing a legal complaint to a consumer arbitration court or a general court of the Slovak Republic. If you wish to resolve potential disputes through consumer arbitration court, being the Permanent Arbitration Court of the Slovak Banking Association, seated at: Slovak Banking Association – SRS, Rajská 15/A, 811 08 Bratislava, website: www.sbaonline.sk, electronic communication address: srs@sbaonline.sk, you can choose this option by signing a contract on a consumer arbitration procedure, the draft of which will be presented to you no later than upon conclusion of the contractual documentation.

The supervisory body is the National Bank of Slovakia, seated at Imricha Karvaša 1, 813 25 Bratislava.

Effect: This Information enters into force on 1 February 2016.

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