What UniCredit Actually Charges You
UniCredit's Genius account looks cheap at €1.90 a month, then bills you €1.30 for every online transfer and €11.80 if you dare order one at the counter. The branch is where they really collect.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €1.90/month | The Genius account costs €22.80 a year. The fee drops to zero if you credit a salary, pension or recurring transfer of at least €750. |
| ATM withdrawals | €2.00 | Cash withdrawals at other banks' ATMs cost €2 in Italy and abroad. UniCredit's own ATMs are free, in Italy and at Group machines abroad. |
| Transfers | €1.30 | Every SEPA transfer ordered online, ordinary or instant, costs €1.30. At the branch counter the same transfer costs €11.80. An unlimited online package costs €2 a month. |
| Cards | €43/year | The MyOne debit card has no annual fee, but the physical card costs €3.50 to issue plus €5.70 for standard delivery. The Flexia Classic credit card costs €43 a year plus €10 issuance. |
| Overdraft | 20.70% | Overdrawing without an arranged credit line costs 20.70% a year. Going beyond an arranged line costs 14%. |
| Other charges | €34.20/year | Government stamp duty added on top of the account fee, as required by law. Branch operations also carry a €4.25 booking charge each. |
Questions people actually ask
No, it costs €1.90 a month, €22.80 a year, plus €34.20 of stamp duty. The monthly fee is waived if you credit a salary, pension or recurring transfer of at least €750.
Online SEPA transfers, including instant ones, cost €1.30 each. The same transfer at a branch counter costs €11.80. For €2 a month you can activate unlimited online SEPA transfers.
Withdrawals at UniCredit ATMs are free. At other banks' ATMs you pay €2 per withdrawal, both in Italy and abroad.
Each counter operation carries a €4.25 booking charge. A cash withdrawal at the counter costs €5.25 and a counter transfer €11.80, booking included.
Going into the red without an arranged credit line costs 20.70% a year. Exceeding an arranged credit line costs 14%.
Sources
Every number above comes from the bank's own documents.
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