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 Avoid fraudsters - A guide to safe banking


The number of transactions we can do online is growing all the time and we are using digital services more and more. This has been discovered by fraudsters, who use very creative ways to defraud us of our money, to scare us, to rush us or to make us feel like we are missing out on a special opportunity.   
   

  Their aim is to get our banking details – mobile or internet banking access codes, passwords, credit card details – or to defraud us of money in some way.
 

Do you recognise fraudsters? Test your knowledge with our quiz: try to answer the questions about online purchases correctly here to be prepared for the unexpected!
 

If you receive a suspicious call, SMS or transaction:

  • Call our customer service immediately on +36 1/20/30/70 325 3200.
  • Call us at 1, Block your debit card, where you can report the fraud and, if necessary, immediately secure your debit card and other digital services.
  • We also recommend that you file a police report at the police station in your area.

 

Our bank never asks for the following identifiers – you should not give share these either:

  • Your bank card details: card number, PIN, expiry date, the three-digit CVV/CVC code for online purchases on the back of your card.
  • Your user ID and password to use the internet or mobile banking service.
  • Codes to activate services including Apple Pay, Google Pay and, after obtaining your eBanking ID, your mBanking or mToken activation code.
  • Authentication codes for your credit card transactions and transfers. It is also important that you do not authorise the approval of these transactions.

 

CyberShield:
 

Visit the CyberShield site for comprehensive descriptions and advice on how to arm yourself against the various methods used by fraudsters.
 

  Scammers use emotions to manipulate their victims and then try to extort money from them.  

Intimidation  – they claim that:

  • You could be penalised if you don't pay a certain amount, or you could lose your money,
  • they call on behalf of the bank to say that your account/card is being misused.
  • "Grandchild scam"  – when a grandchild or close relative is used to scam money out of elderly people who are worried about their relative.
     

Urgency:

  • Fraudsters try to urge their victims to act quickly, claiming that "money is being taken from their account".
  • An example of this might be "Hurry up, we only have 3 left in stock!" and "Sale only today". Such calls are also legitimately used by official sites, so it's worth being careful if you encounter this type of message.
     

Exploiting curiosity:

  • You receive a notification that you have won at a ruffle of a company with which you have no connection (e.g. a bank you are not a customer of): you can be almost certain that you have been targeted by fraudsters.

Suspiciously favourable offer  – "When something seems too good to be true, it probably is":

  • You can buy a product at around 90% off: the product will most likely never arrive.
     

An enquiry disguised as a formal letter:

  • Scammers may contact their victims in the name of companies, using letters that appear to be official; to avoid this, it is important that you always take care to check the e-mail address and signature on such letters.

  Banking 

  • Always use the secure mobile app or web interface hosted by your financial institution for electronic banking. Start your internet banking from the bank's official website.
  • Always read and understand the messages sent by your bank via SMS. If you receive an activation code for a service that you have not requested, do not use the SMS on any interface and report the case immediately to our call centre.
  • UniCredit Bank never asks you to transfer your money to another bank account by phone or in another way.
  • Similarly, you will never be asked to provide your PIN, CVV/CVC code, internet banking or mobile banking codes or a one-time authentication code.

 

When buying/mailing a parcel online

  • Always download apps from official app stores (e.g. Google Play, App Store).
  • Set a screen lock or biometric authentication (e.g. fingerprint authentication) to protect your app applications.
  • Don't open suspicious links, emails, attachments, SMSs checking what it really is about.
  • Immediately notify our bank if you receive an SMS from our bank in English, even though the language of contact is Hungarian.
  • Check the SMS/e-mail you receive carefully and be suspicious if it is written in a strange language or has spelling mistakes or unusual attachments (e.g. zip etc.).
  • Set a daily purchase and cash withdrawal limit for your card that fits your spending habits.
  • Enter the address of the mail order services page in the browser yourself. These service providers do not ask for sensitive banking details of their customers.
  • If you have a mobile app, activate push notifications so that you will always be informed immediately of transactions made with your bank card.
  • Always log out of the website when you have finished shopping; this is especially important in places where other people are also using the same computer.
  • Pay attention to the wording of the website text, spelling mistakes, be suspicious if the page looks strange.
  • Golden rules for online shopping

 

If you are called on behalf of our bank or another bank

  • If you are unsure, please disconnect the call and call our customer service (+36 1/20/30/70 325 3200/ Menu 1 Block Bank Card) and check the name of the person who called you. If there is a problem with your bank account or credit card, our customer service experts will know.
  • In such cases, it is important that you initiate the contact with the customer service. Don't rely on another "member of staff" to call you back and confirm the name of the caller party. Equally, do not accept to be put through for the same purpose if this is offered by scammers.
  • Do not share any personal or banking details, including credit card details/internet bank IDs/passwords/activation codes, with anyone over the phone. If it is a bank administrator who is calling, he or she knows the necessary information.

If you detect or suspect that fraudsters may have accessed your banking (especially login or authentication) details, account or debit card, you can immediately block your

  • access to the mobile application service,
  • access to the internet banking service, and
  • debit/credit card.
     

If you are not already logged in to the mobile app service, the quickest way to access the Immediate Blocking option is to click on Other in the right-hand corner of your phone screen after opening the app. In the interface that appears, you'll need to select the Immediate Blocking option.


You will then need to log in to the app: on the page that appears after logging in, you will see the option Immediate Blocking. Click, accept the terms and conditions and block.


If you suspect that you have been a victim of fraud while you are making a transaction in the mobile app service, look for the Other menu item in the bottom menu , click on Settings, and then on the page that appears, click on Security (second from the top). Click on the tile, and on the page that appears you will see the Immediate Blocking option. Click it, accept the terms and conditions, and proceed with the blocking.


If you have not been able to complete the immediate blocking, please call our customer service immediately at +36-1/325-32-00.

In case of a successful block, your debit/credit cards and electronic banking services will not be available to anyone, including you.

We recommend that you call our customer service immediately after the successful blocking at +36-1/20/30/70-325-3200/1 Block Bank Card or visit one of our branches to discuss further steps with our colleagues.

What to look out for?

  • Bring your identity documents with you to the branch.
  • For  Telephone Bank, have your phone bank ID and PIN ready.
  • You will need your Telephone Bank ID and PIN code to unlock services.
  • If you do not know your  Telephone Bank ID and PIN, you can only do your banking in person at our branches, where you can also apply for a Phone Bank ID.

Are you sure your bank is calling?

Unfortunately, fraudsters are coming up with new ways to swindle victims' money. One of these is to spoof the displayed caller ID, so that the victim is ostensibly being called by the bank, but is in fact talking to a fraudster posing as the 'caring bank'. The fraud is committed using a caller ID spoofing device, so that when the call is made, the number of UniCredit Bank, for example, will appear on the caller's screen. Because the potential victim sees a familiar phone number, they will be less suspicious.

Unfortunately, you cannot know in advance which calls might be fraudulent, so please treat all calls with caution and reservation!

  • UniCredit NEVER asks you to transfer your money to another bank account over phone or any other platform.
  • Similarly, you areNEVER asked for PINs, CVV/CVC codes, internet banking or mobile banking codes and one-time use authentication codes.
  • If you are unsure, disconnect the call and call your bank on the number you know, or on the bank's central number (+36 1/20/30/70 325 3200) and check the name of the person who called you.  If there is a real problem with your bank account or credit card, the customer service experts will know.
  • In such cases, it is important that you contact the customer service at the known telephone number (or contact the bank yourself on its website). Do not rely on another "staff member" to call you back and confirm the name of the caller. Similarly, do not accept to be transferred for the same purpose if offered by scammers.
  • The more urgent the call and message, the more suspicious it is! Slow down and think carefully about what they are really asking for.

In addition, never install any software on your phone or computer, even at the request of the person calling on behalf of the bank.

1. Fake SMS messages on behalf of NAV

Once again, fraudsters are trying to cheat customers in the name of the National Tax and Customs Administration (NAV):

  • They send an SMS on behalf of the NAV saying that the customer's accounts are being blocked and asking them to click on the link in the message.
  • By clicking on the link, the "Financial Investigation Department of the NAV" asks you to update your details.
  • Customers are led to believe that until they reconcile their details, their accounts will be blocked.

Therefore, they are asked to reconcile their details following the instructions: to select their bank, then the mobile banking activation page will appear, a fake page asking for an internet banking username and password, then the mobile banking activation code sent in an SMS message. 

Attention!

  • If you receive this or similar messages, please call our bank or contact the NAV customer service and ask for information.
  • You cannot perform a NAV data reconciliation from our Internet banking system!
  • It is very important that you never click on a link you receive by e-mail or SMS, nor activate your mobile banking or access your internet banking from a link. Only use the official website of our bank for your banking login, which you enter into your browser ( www.unicreditbank.hu )
  • Check the authenticity of the website in the message: the official website of the NAV is www.nav.gov.hu ; any website using a different address is fake!

 

2. Fake emails on behalf of our bank

Fraudsters are sending fake emails to our customers on behalf of our bank, warning the recipients that unusual activity has been detected by UniCredit Bank's security system in their account and restricting access to certain account operations until some details from the recipient are confirmed.

Attention! Our bank never sends such information by e-mail. Also, we never ask you to verify your data by clicking on a link or logging into your internet/mobile banking.

Therefore, if you receive such a message, please do not open it and under no circumstances click on the buttons or links in the letter!

ATTENTION! THIS IS A SAMPLE E-MAIL!  


If the bank detects misuse of your bank account, our customer service will call you to ask if you have carried out the transactions.

If you have not done so, we will secure your account, while we will not send you a link and you will not need to log in to either eBanking or mBanking.

  • Fraudsters may pose as a bank administrator and use the following pretext (they wanted to make a suspicious transaction with their bank card or account) to find their victim,
  • and attempt to obtain bank details over the phone, trying to persuade defrauded customers to transfer money.
  • A further method may be to spoof the number displayed, i.e. the victim may appear to be calling the bank but is in fact talking to a fraudster posing as the 'caring bank'. This is done with a caller ID spoofing device, so that when the call is made, the number of UniCredit Bank, for example, will appear on the caller's screen. Because the potential victim sees a familiar phone number, they will be less suspicious.
  • Fraudsters apply for a product advertised on the internet and send a link to the advertiser, claiming that they want to make the sale via a parcel service
  • The link takes the unwary visitor - after clicking on the "ACCEPT PAYMENT" button and selecting their bank - to a fake internet banking login.
  • While the user is typing in his or her ID, i.e. attempting to log in, he or she is in fact giving his or her internet banking username and password to the perpetrators. Once they have this information, the fraudsters initiate a mobile app activation and then, through a pop-up window, request from the victim a 16-digit mobile banking activation code, which is actually sent by the bank to the customer's contact phone number.
  • With the code, the perpetrators assign a new mobile app service to the person's account, giving them full access to the account, i.e. they can initiate transactions without the person's consent.
  • They are contacted in relation to a parcel they have ordered: in this case, they have to re-enter the credit card details in a new link (fake page) because of an incorrect delivery address or a reference to a customs charge for a "newly incurred cost" (e.g. re-delivery or extra customs charges).
  • They operate fake websites and try to obtain bank access codes when shopping there. It is also possible that after paying by card, the customer does not receive the goods, or the goods are of poor quality.

.

 

In Google search, a netbank page that looks deceptively similar to the original will appear higher in the search than the bank's official website (unfortunately, fraudsters often buy the authentication certificate). Here, the user cannot log in even if he or she enters his or her details, but the fraudsters have already accessed these sensitive data. Once reported to the financial institutions, Google deletes these fake sites relatively quickly, but fraudsters can create new interfaces, so it is always a good idea to open the internetbank login page from the official bank site – or click on the search option offered in the history.

E.g.: the official Hungarian UniCredit Bank website:
www.unicreditbank.hu

https://hu.unicreditbanking.eu/hu/login_form

may be fake:

www.unicreditbankhu.hu

https://hu.unicreditbankking.eu/hu/login_form

Can't deduct your subscription from your credit card? Last warning and they delete your account? Don't fall for the scammers!

Almost everyone has a subscription of some kind these days. That's where this simple but effective scam comes in.

  • We're scared via a text message that the monthly subscription fee (e.g. Netflix, Max, Disney+, etc.) could not be withdrawn from our bank account, so they ask you to confirm your details.
  • By clicking on the link in the phishing SMS, we are asked to enter our credit card details via a fake page, and then we are asked to register our ApplePay/GooglePay card via a code in another SMS.
  • The card details obtained in this way are used to carry out unauthorised transactions.
     

If you receive such a message, do not act on impulse.

  • Contact your service provider or bank about the problem.
  • If you want to make a transfer, you should only do so from your provider's or bank's website/application and never click on the link sent to you by SMS.
  • Don't let your debit card out of your hand, don't leave it unattended and always keep track of what happens to it when you pay.
  • If you have already entered your details, we recommend that you change your credit card limit to HUF 0 in mBanking.
  • If you detect fraud, block your card and report it to your service provider.

Please note that fraudsters are already using phishing methods in the name of UniCredit Bank on Facebook.
 

Be careful with offers on social media.

  • The bank conducts satisfaction research and surveys exclusively on its own channels and does not offer any compensation for completing the questionnaire.
  • Our bank never ask sfor sensitive banking data (passwords, access codes) by phone, SMS or e-mail.
  • Always access your internet banking or mobile banking service via your own banking channel (the bank's official website or mobile application), and never use a link provided by others, or a link provided by an internet search engine.
     

Important! Data reconciliation, customer identification is only performed by our bank in person or via e-mail to the data reconciliation mailbox and via the internet banking service [UniCredit eBanking], NEVER via a link. Even if our bank sends you a customer identification e-mail as part of an administrative process, it does not ask you to identify yourself via a link.

The latest cyber-attacks are reaching employees at work, with fraudsters posing as fake high-level executives via email or phone, instructing employees to settle large bills, initiate wire transfers or hand over confidential company data.

The fraudsters have a credible-looking email address that can easily be mistaken for the contact details of senior company executives, or they use highly sophisticated techniques to deceive employees.

It is important to pay close attention to phone calls, emails and other messages from senior managers with unusual content.

  • Always check the company email addresses carefully.
  • Be careful when using your company computer.
  • Always check with your line manager, in particular, or a colleague, if you are in any doubt about a transfer instruction that you receive in an unusual way.

We show you what to keep in mind when using your credit card:

  • Check the validity of your card to make sure it has not expired, as expired cards cannot be used for security reasons.
  • Check that the contact details (phone number, e-mail address) you have provided to our bank are correct: this will ensure that our bank can reach you if necessary.
  • Only save your bank card details on trusted platforms and especially only for recurring transactions, such as utility bill payments.
  • If you have the mBanking mobile app service, activate push notifications so that you will always be informed immediately of transactions made with your card.
  • Don't let your debit card out of your hand, don't leave it unattended and always keep track of what happens to it when you make a payment.
  • Buy from a trusted source! Choose brands and shops you know.
  • Be wary of advertising on social networking sites.
  • Don't give out your PIN to anyone, and don't keep it with your card. If you want to change your PIN on your debit or credit card, you can do so via UniCredit ATM for a fee.
  • Set a daily purchase and cash withdrawal limit for your card that suits your shopping habits, but is also safe and convenient. You can also change your credit card purchase limits in a mobile app service.
  • Only increase your online debit card limit as much as necessary and then remember to reset it.
  • Never send your credit card details via different channels, e.g. e-mail, SMS.
  • If you notice a suspicious transaction with your debit card, or if it gets lost or stolen, please call our colleagues immediately on +36 (1/20/30/70) 325 3200; they will help you block your debit card, or use the Bank card blocking option in mBanking

We would now like to draw your attention to the fact that if you have authorised someone else's bank account as an account holder, or if you have authorised someone else's account, in the event of fraud, fraudsters could access and cause damage to any bank account assigned to your digital channel user. We therefore ask that you ask your proxy to read the message you have received.
 

It is important to know as an account holder or a proxy

Several new forms of fraud have emerged in the digital space, such as fraud cases based on obtaining personal authentication and sensitive payment data and then using these data to initiate payment orders without authorisation, fraud based on deception and psychological manipulation, whereby the payer is persuaded to initiate a payment order or to approve payment orders initiated by the perpetrators of the fraud.  Also, there is a fraud type based on direct access to a cash substitute payment instrument in the payer's possession, such as a payment card, mobile bank or internet bank.

An additional risk of abuse is where fraudsters can gain access not only to the accounts of the customer concerned (user) through their electronic access or online interfaces (e.g.: internet bank, mobile bank) (collectively, Access), but also to the accounts of other customers (account holder) whose accounts the user has control or permanent authorisation over, and thus the account holder may also become a victim of fraud.

If you suspect fraud in connection with your bank account, please contact our colleagues at our call centre at +36/1/20/30/70-325-3200 without delay. 

Encryption

You should encrypt your data stored on your IT devices (mobile phone, tablet, laptop, computer, smartwatch). A properly set-up and functioning encryption system will prevent others from accessing data stored on a lost or stolen device. You can find the encryption option in the device settings.
 

Screen lock

Set an automatic screen lock on your device. Tip: the shorter the time it takes for the screen lock to turn on, the more secure the data stored on your mobile device.
 

PIN code, password protection, biometric identification

  • Use passwords, PINs, passcodes or biometric identifiers to protect your devices. It is also worth considering using multi-factor authentication (e.g. sending a confirmation password to another device).
  • Do not e-mail your passwords or PINs to yourself, do not save them as plain text in a text file, do not photograph your security identifiers on paper, and do not store them on your devices. We recommend that you use a reliable password storage (password safe) application.
     

Virus protection

  • Use antivirus and anti-virus software, set up a firewall on your device, and regularly install manufacturer software updates. Only install applications from the official software store associated with your device (e.g. Google Play, App Store, AppGallery, etc.). If strangers - or even callers posing as strangers - ask or instruct you to install software downloaded from a link sent by email or SMS, don't!
  • Do not connect media received from others to your device! Do not open an email, SMS or messaging service (Messenger, Viber) from an unknown sender! Do not open attachments or links in such e-mails. If this happens by accident, the pop-up window should be closed and nothing should be downloaded. After accidental opening, it is worth running a quick virus scan on the device.
     

Backup

It is a good idea to regularly back up the data stored on your devices. The regular backup feature can be found in the settings of your device and will help you to recover your data if you lose or have your device stolen.

Set a daily credit card limit

  • An important safeguard can be to adjust your daily credit card limit to reflect your average or planned spending. In this way, any transactions exceeding the limits will be automatically rejected, regardless of the available balance on the account.
  • When you apply for a debit or credit card, the bank automatically sets the usage limits set out in the List of Conditions, but you can set different limits for a fee as indicated in the List of Conditions, in the following ways: at any of our branches or via the Telephone Banking service using your ID and PIN code, in the mobile application
  • You can set a higher limit for a temporary period of time, until the desired transfer is initiated, using our Telephone Banking service, for increased security.
  • If you request it, the limit will revert to the level before the increase after midnight.

The default transaction limits at UniCredit Bank are:

  • HUF 200 000 for forint bank accounts,
  • for UniCredit mBanking mobile application service,
  • UniCredit eBanking Internet banking service and UniCredit Telephone banking service channel, the daily limit is HUF 500 000.
     

Suspension of a debit card and lifting of the suspension

  • You have the option to suspend and unblock your debit card in the mobile app (this is not equivalent to blocking your card via our Phone Banking or in a branch) if you suspect that its details have been stolen or abandoned.
  • You can use the "push notifications" feature of our mBanking mobile app to receive free notifications of your card purchases and ATM cash withdrawals. You will also receive messages after successful and unsuccessful card transactions, so you can detect unauthorised use or theft of your card sooner. We therefore recommend that you turn on the push function if you have not already done so.

You should always check your bank statement and notify our bank immediately if you notice any transactions that were not initiated by you or the cardholder.

There are many dangers for children online, so we'll show you some of the situations that can be dangerous.

When connecting to public WiFi networks, hackers can steal children's data at any time. USB plugs for public charging can also be a tool for fraudsters to steal data from a connected device in seconds. When trying out trial devices in shops, children can carelessly enter their login details and photos to expose themselves to abuse, or they can easily give out their own or their parents' details to scammers by advertising competitions and games on social media.
 

What can we do to protect our children?

  • Increase children's mobile internet data allowance for the holidays so they don't have to rely on public WiFi.
  • A good defence against USB fraud is to buy a USB data blocker. To be on the safe side, include a charged external battery (power bank) in your children's summer survival kit so they don't have to rely on public chargers.
  • Talk to your kids about the phones, tablets and laptops on display in shops. It's important that they know that if they leave their account logged in, anyone can then freely tamper with their name, access their or their parents' data and passwords. This could put not only themselves at risk, but also their friends and family.
  • In addition to taking advantage of the opportunities offered by gadgets, security awareness is very important. There are already plenty of free safety tips, tutorials and videos online for young people – encourage them to check them out and learn about the digital environment from a safety perspective.

You may have heard that there are more and more scammers who take our money by pretending to be someone else over the phone or by email.
 

Some examples of how scammers work:

  • Istvan, aged 60, was called on behalf of a bank and persuaded to withdraw all his savings and pay them into an account or ATM provided by the fraudsters.
  • Andrea, aged 57, was persuaded by the fraudsters to pay a large sum of money to correspond with a well-known person.
     

We all think that this shouldn't happen to us, but unfortunately the scammers are using more and more sophisticated methods, including playing on our fears and anxieties. We would like you to avoid such an attack, but we cannot prevent it, we can only advise you.
 

Please be especially wary of calls/letters/e-mails about your bank account, especially if they say the bank is not safe or that they are about to break into your account and take your money, but staying on the call will help prevent this. If you receive such a call or message, please contact our bank immediately so that we can check the veracity of the information.  
 

The more you are urged by the caller, the more cautious you should be! Think carefully about what you are really being asked for; if you are unsure, end the call and call our customer service on +36 1/20/30/70 325 3200.
 

Important!

Our bank does not ask for your confidential data (credit or debit card number, Internet banking and mobile application service passwords) or for the installation of applications (e.g. AnyDesk, TeamViewer) on your mobile device or computer by e-mail or phone.

  • The Client is obliged to use the cash substitute payment instrument (debit card, credit card, mBanking, eBanking application) as set out in the General Terms and Conditions and to exercise due care and diligence to keep safe his/her personal credentials, VICA password, VICA registration password, VICA SMS code, password, mCash code, security code, such as PIN code, internet security code, eBanking single sign-on password, as is normally expected in the given situation. The customer (Account Holder, or User) shall keep personal credentials in a safe place.
  • The Customer (Account Holder/User) shall immediately report to the Bank any loss, theft, unauthorised or unauthorised use of the Personal Credentials via our Telephone Banking Service or in person at any branch. Such notification may be made at any time free of charge, costs or other payment obligations. When making the notification, the identification of the cash substitute payment instrument concerned and the Customer's name and personal data (date of birth, mother's name) must be provided.
  • The Account Holder shall be liable for any damage resulting from the misuse of the Account Holder's or User's identification data as a result of the Account Holder's/User's intentional or grossly negligent conduct. Only the Account Holder shall be liable for any damage resulting from the loss, theft or negligent handling of the personal credentials listed above, or from the access to the system and the performance of account-related operations by unauthorised person(s), if the damage was caused by the Account Holder acting fraudulently or in breach of his contractual obligations, whether intentionally or through gross negligence. The Account Holder undertakes to compensate the Bank for any damage suffered by the Bank as a result of such action and proven to have been caused by the negligent or intentional conduct of the Account Holder/User.
  • Violation of the security rules of the General Terms and Conditions constitutes gross negligence. The Account Holder shall be liable for the acts of any person to whom he/she intentionally or negligently allows the use of the Service.
  • The Account Holder accepts as the extent of the damage suffered by the Bank the data provided by the Bank, proven in detail at the Account Holder's request.
  • The client must examine and continuously check the payment account statements, securities settlements, custody and yield statements, other settlements, notices of execution of orders and information on expected payments and dispatches, and report any objections within 8 days of receipt to +36 1/20/30/70 325 3200. If the account holder is a retail customer or a microenterprise, in the case of a request to correct an unauthorised or authorised but incorrectly executed payment transaction, the bank must prove that the payment transaction in question was authorised by the account holder as payer, that the payment transaction was correctly recorded and that execution was not prevented by a technical error or malfunction. Where the relevant transaction was initiated using a payment initiation service, the payment service provider providing the service shall prove that the transaction was authorised and recorded and that execution was not prevented by a technical error or malfunction of the payment service it provides.
  • In the case of an unauthorised Payment transaction, whether or not initiated through a payment service provider providing a Payment Initiation Service, the payment service provider holding the payer's payment account shall reimburse the payer for the amount of the unauthorised payment transaction, unless it suspects fraud for reasonable grounds in the circumstances and informs the competent supervisory authority in writing.

The above provisions and the detailed rules are set out in the General Terms and Conditions annexed to the Framework Agreement.

  • If you notice an unauthorised or approved but incorrectly executed order in your bank account, please notify us immediately.
  • Call our 24-hour a day helpline on +36 (1/20/30/70) 325 3200.
  • Requests for rectification (Complaints) are part of the Bank's complaints handling process, the exact steps, deadlines and procedure of which can be found on the Complaints Handling, Ethics Forum (unicreditbank.hu), where you can also submit your complaint.

If you have lost or had your debit or credit card stolen, or if you notice transactions that you did not initiate, you can request a suspension of your card by one of the following methods:

  • 24 hours a day at our Customer Service +36 (1/20/30/70) 325 3200,
  • on our mobile application,
  • at any of our branches open during business hours.
  • Call us on +36 (1/20/30/70) 325 3200,
  • or in person at any of our branches.
  • Complaints can be made for both blocked and debited items. Debits that have been successfully authorised must be accepted by the issuing banks according to international card-issuing rules, so they cannot be blocked.
  • The time limit for investigating a claim is 15 working days. In cases where we are able to contact the acquiring bank, due to the time limits imposed by the card scheme rules, our bank is not able to complete the investigation within the 15-day time limit (we will inform our affected customers by letter). In these cases, the maximum investigation period is 120 days.
  • If the damage was not caused by the cardholder's intentional or grossly negligent behaviour, the cardholder will be liable for the damage incurred before the notification up to a maximum of HUF 15,000.
  • If the damage was not caused intentionally or by gross negligence on the part of the cardholder and the damage occurred after the card was blocked, the Bank shall bear the loss.

 We do our utmost to protect our customers
 

We always put our customers' interests first in the way we do business. We do this even when full compliance with the law and market regulations may cause inconvenience, because we believe that prudent operations provide the necessary security for our customers. Our services and processes are also aligned with this ambition.  
 

If you receive a suspicious call or notice a transaction, please contact our customer service team (+36 1/20/30/70 325 3200/1, menu item Bank card blocking)!
 

We would like to inform our customers that in case of misuse of a cash substitute payment instrument (e.g. debit card, internetbank, mobile app), we will investigate the issue of liability. We will not be liable for damages if the investigation shows that the customer's seriously negligent behaviour contributed to the damage. The final decision on the existence of serious negligence may be taken by the court.

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With aim to improve your user experience UniCredit Bank Hungary Zrt. uses cookies (also analytical, advertising, and third-party cookies) on our website. If you agree to the installation of all the listed cookies, click "ACCEPT ALL COOKIES", otherwise you can always edit the consents in "COOKIE SETTINGS". To learn more, see the separate page Cookie policy.