Accounts

Personal Account Operating

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Current account is account in the local currency for keeping your money which you need to use on daily basis.

Opening a current account at UniCredit Bank enables you to:

Receiving salary, pension, various benefits and other payments according to your needs
Direction of temporary and occasional income (e.g. on the basis of work contracts, commissions, part-time or supplementary work, copyrights, rental and other grounds)
Use of the permitted excess in the amount of up to three regular incomes
Insight into account balance and account changes - monthly reporting via statement

You can dispose of an account depending on your needs:

At numerous points of sale with a Mastercard and on almost 30,000 POS devices in Bosnia and Herzegovina
Through mobile banking (m-ba) and internet banking (e-ba) - transfers and payments multiple times cheaper than at the Bank's counter
In 70 branches of UniCredit Bank in Bosnia and Herzegovina
In your vicinity, at 325 ATMs of UniCredit Bank in Bosnia and Herzegovina and at 18,000 ATMs of members of the UniCredit Group abroad, with no withdrawal fee for Gold package users, JES! Account package and Module package with the agreement of the Debit Mastercard payment service at Group ATMs free of charge.

Required documentation for opening an account - Residents

Copy of the Identity Card
Copy of the Permanent Residence Certificate (issued within previous 90 days) - please submit the original for inspection

Required documentation for opening an account - Non-residents

Copy of the passport verified by the relevant authority
Work Permit
Certificate of Employment
Temporary Resident Certificate
Certificate of no blocked accounts

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Simple and fast way for additional funds on your current account!

Clients who receive regular income through the Bank can become users of the Overdraft on their current account.

Amount and interest of the Overdraft

Up to maximum of 3 multiplier of an average regular income, with automatic prolongation of the Overdraft every 6 months.
Interest rate (annual, fixed) is calculated exclusively on the used amount of the approved overdraft.

Overdraft with a life insurance policy

In addition to the approved Overdraft, it is possible to arrange a life insurance policy, for a period of 12 months, which provides you with financial security in case of unwanted events.
Depending on the amount of the Overdraft approved there are three insurance packages available.

Approval or Cancelation of Overdraft

Approval of the Overdraft as well as modifications or cancellation of Overdrafts can be made at the nearest UniCredit Bank branch with a proof of employment status.

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The Teen account, which you can open at any branch of the Bank, is intended for the disposal of money by young people aged 13 to 18 with the use of a Debit Mastercard Teenage card. The Teen account enables cash withdrawals at all ATMs of UniCredit Bank d.d. free of charge, as well as the purchase of GSM prepaid vouchers at all ATMs of UniCredit Bank and other banks that provide this service.

Parents/guardians can deposit money into the Teen account electronically, via mobile banking (m-ba) and internet banking (e-ba), as well as in the nearest branch of the Bank or via a standing order.

Required documentation for opening an account - Residents

a copy of the minor's permanent birth certificate (it is necessary to submit the original for inspection at the Branch Office)
a copy of the identity card of the legal representative/guardian and authorized representative and a copy of the residence certificate (not older than 90 days) of the legal representative/guardian and authorized representative (for legal representatives/guardians and authorized representatives who are residents) - submit the original for inspection
a copy of the passport certified by the competent authorities of the representatives/guardians and authorised representatives, as well as a certified translation of the passport in cases where the identity of the owner cannot be determined with certainty for legal representatives/guardians and authorized representatives who are non-residents
for minors without parental care under the protection of a guardian, the decision of the Center for Social Work, which proves the guardian's status

Required documentation for opening an account - Non-residents

a copy of the minor's passport certified by the competent authorities, and in cases where the identity of the minor cannot be determined with certainty (e.g. Chinese, Japanese, Arabic, etc.), a translation of the passport certified by the competent authorities is also required; or a certified copy of an identity card issued by the competent authority in the country of residence, if the minor is from a country with which BiH has signed an agreement on the visa-free regime, i.e. the possibility of entering the country on the basis of a valid identity card (EU member countries, signatory countries of the Schengen Agreement, and other countries with which BiH has signed an Agreement on visa-free regime)
a copy of the identity card of the legal representative/guardian and authorized representative and a copy of the residence certificate (not older than 90 days) of the legal representative/guardian and authorized representative (for legal representatives/guardian and authorized representative who are residents) - submit the original for inspection
a copy of the passport certified by the competent authorities of the representatives/guardians and authorised representatives, as well as a certified translation of the passport in cases where the identity of the owner cannot be determined with certainty for legal representatives/guardians and authorized representatives who are non-residents
for minors without parental care under the protection of a guardian, the decision of the Center for Social Work, which proves the guardian's status

If you want us to contact you, please enter your information in the contact form below.

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The foreign currency account that you can open in any branch of the Bank is intended for:

Simple and efficient performance of foreign exchange business - receiving and sending funds in foreign currency
Fast and safe payment (multiple times cheaper than at the Bank's counter), transfer of funds, insight into the balance of foreign currency and other accounts via the Bank's electronic services (Mobile and Internet banking)
The bank enables you to view the status and changes in this account - via mobile (m-ba) and internet (e-ba) banking and monthly reporting via statements

You can dispose of an account depending on your needs:

At numerous points of sale with a Mastercard International card and at almost 30,000 POS devices in Bosnia and Herzegovina
Through mobile banking (m-ba) and internet banking (e-ba) - transfers and payments multiple times cheaper than at the Bank's counter
In 70 branches of UniCredit Bank in Bosnia and Herzegovina
In your vicinity at 325 ATMs in the country and over 18,000 ATMs of UniCredit Group members abroad, all free of charge.

Required documentation for opening an account - Residents

Copy of the Identity Card
Copy of the Permanent Residence Certificate (issued within previous 90 days) - please submit the original for inspection

Required documentation for opening an account - Non-residents

Copy of the passport verified by the relevant authority
Certificate of no blocked accounts verified by the relevant authority.

IBAN and SWIFT

To carry out foreign payment transactions (receiving money from abroad), the sender will request the IBAN number of your foreign currency account as well as the SWIFT of the bank where you have an account. IBAN - International Bank Account Number is the transaction number of your foreign currency account, on the basis of which international transactions are executed. You can check the IBAN number of your foreign currency account on the foreign currency account statement, on the contract you signed when opening the foreign currency account, or by calling the UniCredit Bank Contact Center on the toll-free number 080 081 051. SWIFT UniCredit Bank: UNCRBA22

If you want us to contact you, please enter your information in the contact form below.

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A savings account in domestic currency enables an unlimited number of payments or withdrawals depending on your needs. This type of account can be opened by domestic and foreign natural persons, regardless of age.

You can dispose of the funds from the savings account at the Bank's counter, or quickly and easily through the Bank's electronic services (mobile banking (m-ba) and internet banking (e-ba)) and a standing order.

Required documentation for opening an account - Residents

Adults:

a copy of the identity card
a copy of the certificate of residence (not older than 90 days) - the original to be checked in the branch office

Minors:

a copy of the minor's permanent birth certificate (it is necessary to submit the original for inspection at the branch office)
a copy of the identity card of the legal representative/guardian and authorized representative and a copy of the residence certificate (not older than 90 days) of the legal representative/guardian and authorized representative - submit the original for inspection
for minors without parental care under the protection of a guardian, the decision of the Center for Social Work, which proves the guardian's status

Required documentation for opening an account - Non-residents

a copy of the passport certified by an authorized body
Statement on the non-existence of an account blocking status

If you want us to contact you, please enter your information in the contact form below.

CONTACT ME

Power of attorney for products

By opening a power of attorney for products, you authorize one or more persons to dispose of the funds in your account.

Steps for granting power of attorney:

• Visit the nearest branch with the person to whom you want to give authorization, where you also give authorization by signing the Request for opening a power of attorney for the account of a natural person.

• If the person you want to authorize is a client of the Bank, he/she must have a valid identification document (identity card) when visiting the branch office.

• If the person you want to authorise is not a client of the Bank, he/she must have a copy of the certificate of residence, which is no older than 3 months from the date of granting the power of attorney, in addition to the specified valid identification document.

If the account owner is unable to visit the nearest branch, it is possible to authorize another person to dispose of the funds in the account, based on a written power of attorney.

The written power of attorney is certified by the competent body in Bosnia and Herzegovina (public notary or authorized public administration body), and if the power of attorney is issued abroad, it must be duly certified by the diplomatic-consular representative office of BiH in that country or by the competent body of that country, including valid legalization of the document in case legalization is required in accordance with the applicable regulations. Documents in languages that are not in official use in Bosnia and Herzegovina should be translated by an authorized court interpreter.

Download the Power of Attorney Proposal

Personal Account Operating

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