Effective date: 1st December, 2016. Valid until the date when the next List of Conditions enters into force.
Serial No.: 06/2016.
Exkluzív Silver HUF account package
for small enterprises
The following conditions are applicable for UniCredit’s small enterprise customers with an annual sales
revenue of MHUF 50-400* and UniCredit’s target group small enterprise customers with an annual sales
revenue of MHUF 0-400*.
The Bank shall provide a transactional fee discount, compared to the basic fees defined in the List of Conditions,
allocated to the turnover levels defined depending on the extent of the debit transactions generated in the given
calendar month.
If the extent of the debit transactions generated on the HUF payment account in the given calendar month reached
any of the specified levels, the Bank shall credit the relevant fee discount in one amount within 5 banking days after
the end of the given calendar month.
The fees detailed under the minimum debit turnover and expressed as a percentage and a minimum fee are the
same as the basic fee less the fee discount pertaining to the given debit turnover.
If any of the debit turnover levels pertaining to the given band is not achieved, the basic fee shall apply to the given
accounting period.
Exkluzív Silver
Type of the account package
HUF 2,000 (1)
Account opening fee (/one-off/account)
Monthly account management fee for the account package
(/month/account package) (2)
HUF 8,014
The monthly account management fee for the payment
account included in the account package (3)
HUF 900
Electronic(4) HUF transfers included in the account package,
without transfer fee (5)
Monthly, the first 5
Free electronic channel included in the account package
(6)
Phone Banking
Bankcard with discount included in the account package
(7)
Corporate Maestro international bankcard
Bankcard with discount included in the account package (7)
Account management fee in the case of non-cash transactions falling
within the scope of the Act on Financial Transaction Duties (8)
Account management fee in the case of cash transactions(10) falling
within the scope of the Act on Financial Transaction Duties (8)
MasterCard Business or Visa Business bankcards
HUF 6,000/bookkeeping entry (the Bank charges a
fee of 0.3% but maximum HUF 6,000 per entry as
part of the promotion, except for card payment
transactions for which the fee is HUF 800,- for the
first transaction in each calendar year and HUF 0,- for
all further transactions. This offer is valid until
withdrawal.(9))
HUF 600,000/bookkeeping entry (the Bank charges a
fee of 0.6% but maximum HUF 600,000 per entry as
part of the promotion. This offer is valid until
withdrawal.(9))
Basic fee
Fee discount
I.
Fee discount
II.
Fee discount
III.
Fee discount
IV.
Minimum debit turnover
(HUF)
-
HUF 10,000,000
HUF 15,000,000
HUF 20,000,000
HUF 30,000,000
Discount rate (%)
-
15%
20%
25%
35%
HUF transfer fee (within the Bank to the debit of a HUF payment account)
Through Electronic
Banking(4)
0.107%
min. HUF 161
0.091%
min. HUF 136
0.086%
min. HUF 128
0.08%
min. HUF 120
0.07%
min. HUF 104
On original banking form
0.235%
min. HUF 321
0.20%
min. HUF 273
0.188%
min. HUF 257
0.177%
min. HUF 241
0.153%
min. HUF 209
Not on original banking
form (11)
0.235%
min. HUF 856
-
-
-
-
HUF transfer fee (outside of the Bank to the debit of a HUF payment account)
Through Electronic
Banking(4)
0.139%
min. HUF 161
0.118%
min. HUF 136
0.111%
min. HUF 128
0.104%
min. HUF 120
0.09%
min. HUF 104
On original banking form
0.300%
min. HUF 417
0.255%
min. HUF 355
0.24%
min. HUF 334
0.225%
min. HUF 313
0.195%
min. HUF 271
Not on original banking
form (11)
0.30%
min. HUF 856
-
-
-
-
EFER transfer
0.155%
min. HUF 400
-
-
-
-
FX transfer fee (outside of the Bank to the debit of a HUF payment account)
Through Electronic
Banking(4)
0.15%
min. EUR 15
0.128%
min. EUR 13
0.120%
min. EUR 12
0.113%
min. EUR 11
0.098%
min. EUR 10
On original banking form
0.175%
min. EUR 20
0.149%
min. EUR 17
0.140%
min. EUR 16
0.131%
min. EUR 15
0.114%
min. EUR 13
HUF payment to HUF
account (up to 1000 pieces
of notes) (12)
0.054%
min. HUF 268
0.045%
min. HUF 227
0.043%
min. HUF 214
0.04%
min. HUF 201
0.035%
min. HUF 174
HUF payment from HUF
account
0.30%
min. HUF 375
0.255%
min. HUF 318
0.24%
min. HUF 300
0.225%
min. HUF 281
0.195%
min. HUF 243
Cash desk transactions
Other fees
Package change fee (13)
Postage fee (14)
Fee for statements held at
the branch
Sight interest rate
HUF 5,000
Sending 1 account statement per month is free of charge
HUF 300/statement
HUF payment account: 0.0001% p.a., EBKM (Unified Deposit Rate Index): 0.0001% p.a.
Upon reviewing the debit turnover, the Bank shall take the following items into consideration:
a)
b)
c)
d)
e)
f)
g)
h)
HUF transfer within the Bank through electronic banking
HUF transfer within the Bank on original banking form
HUF transfer outside of the Bank through electronic banking
HUF transfer outside of the Bank on original banking form
FX transfer outside of the Bank from a HUF account through electronic banking
FX transfer outside of the Bank from a HUF account on original banking form
HUF payment into a HUF account at the cash desk
Cash withdrawal in HUF to the debit of a HUF account at the cash desk
The fee discount is deducted from the following fee items:
a)
b)
c)
d)
e)
f)
g)
h)
HUF transfer fee within the Bank (submitted through electronic banking)
HUF transfer fee within the Bank (submitted on original banking form)
HUF transfer fee outside of the Bank (submitted through electronic banking)
HUF transfer fee outside of the Bank (submitted on original banking form)
FX transfer outside of the Bank from a HUF account (submitted through electronic banking)
FX transfer outside of the Bank from a HUF account (submitted on original banking form)
HUF payment into a HUF account at the cash desk
Cash withdrawal in HUF to the debit of a HUF account at the cash desk
If any of the transactions that form the basis of the account turnover is free of charge, the given transaction shall be
taken into account when calculating the monthly debit turnover, but in that case, the customer shall not be entitled
to a fee discount from the given item.
Assistance Services:
The Exclusive Gold account package includes an assistance service with the following main elements:

Vehicle assistance:
o assistance service on site, towing: A towing truck is sent to locations within Hungary and the
European Union, as soon as possible, at most within 4 hours, to a maximum of 2 of your vehicles**
o If the car cannot be repaired on location, it is towed to the nearest repair shop. In case of more
than 8 hours waiting time due to repair shop, storage service in Hungary till the transport..
o Replacement vehicle for 1 day

IT assistance
o remote assistance: identification of software errors, troubleshooting assistance, software and
hardware error assistance (once a month)
o contact and appointment with specialist repair shop, if remote assistance is unsuccessful (once a
month)

Legal assistance:
o general legal or administrative information
o legal consultancy opportunity over the phone, once a quarter, in a maximum duration of 30 minutes
**Europ Assistance Magyarország undertakes to perform one insurance event per vehicle free of charge.
For further information and detailed terms see the documents entitled Client Information and Insurance Terms and
accessible at https://www.unicreditbank.hu/en/popupeditpages/Smallbusiness/Banking/Accounts/exclusive-silverhuf-account-package.modal.html.
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
(11)
(12)
(13)
(14)
*
The account opening fee is charged only one time for each account by debiting the account at account opening
Fee calculation method: 0.01% of the monthly credit and debit entries, minimum the indicated amount. As a promotional offer, the Bank
shall not charge the amount exceeding the minimum amount indicated above. This promotion is valid until withdrawal.
As a promotional offer, the Bank shall not charge the difference of the normal monthly account management fee for 1 account, that is
included in the package – as it is published in the „List of the Conditions for Small Business Clients” document – and the monthly account
management fee indicated above. This promotion is valid until withdrawal.
Spectra, Spectra Light, MultiCash, SpectraNet Internet Banking, Phone Banking.
As a promotional offer, the Bank shall not charge the transfer fees for the number of domestic HUF transfers (one-off and standing orders)
defined above, where such transfers were ordered to the debit of a HUF payment account, towards an account within or outside of the
Bank. This promotion is valid until withdrawal.
As a promotional offer, the Bank shall not charge the the current one-off entry and monthly service fees for the Phone Banking services.
This promotion is valid until withdrawal.
As a promotional offer, the Bank shall not charge the issuer fee for the first Corporate Maestro bankcard, or 50% of the issuer fee for the
MasterCard Business or Visa Business cards. This promotion is valid until withdrawal.
This promotion applies for 1 bankcard by account package exclusively.
Act CXVI of 2012 on the Financial Transaction Duty (FTD Act).
The extent of the fee shall be in line with the extent and maximum of the current financial transaction duty. If the legal regulations change,
the Bank shall immediately modify the extent and the maximum amount to the same extent as that of the change.
In the case of cash withdrawals with debit cards, the bookkeeping fee per line applied as per the “Account management fee in the case of
other transactions” shall apply.
Or with exceptional processing.
The related conditions of HUF cash payment processed at cashiers in high number of notes (for the total amount, above 1000 pieces of
notes) regulated in the valid „List of Conditions for Small Enterprises”.
In the case of switching between the HUF account packages for small enterprises, the pricing for the new account package shall only be
valid from the first day of the following month.
As a promotional offer, the Bank shall not charge any package change fee when a package with a higher account management fee is
selected. This promotional offer is valid until withdrawal.
In the case of each bank account statement and other mail sent to the customer. As a promotional offer, the Bank shall not charge the fee
in the case of the number of transfers defined in the account package. This promotion is valid until withdrawal. After sending the free-ofcharge 1 bank account statement per month, the postage fee for additional statements and other mails sent out shall be according to the
currently valid postal fees.
The clientele defined in the document titled “List of Conditions for small enterprises” qualify as small enterprises at our Bank.
In case of contracts concluded before 15. 03. 2014. the term ’payment account’ shall mean the terms ’bank account’ or ’current account’.
The services pertaining to the HUF accounts for small enterprises as per this List of Conditions are available for the small enterprise clientele.
The clientele defined in the document titled “List of Conditions for small enterprises” qualify as small enterprises at our Bank.
This List of Conditions forms the integral appendix of the Bank’s General Terms and Conditions. The currently valid documents titled “List of
conditions for small enterprises”, “List of conditions for electronic services for small enterprises” and “List of conditions for deposit cards for small
enterprises” shall apply to the types of transactions and services not included in this List of Conditions and the due dates of the fees, costs
related to the individual services.
Once a year, the Bank increases all the fees defined in its lists of conditions by an amount which exceeds the annual consumer price index
published by the Central Statistics Office (KSH) one calendar month before the announcement of the related list of conditions by 15 percentage
points, from which extent the Bank may deviate in favour of the customer.