UniCredit Bank BiH review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
UniCredit Bank BiH is a Bosnian bank for savers who want to lock a rate for a set term rather than watch it move. Its term deposits run 1 to 36 at a fixed rate, and a debit card on the mastercard network handles 12 currencies.
Key facts
- Best for
- A fixed rate term deposit with counter, app and online access.
- Rate type
- Fixed↗
- Term
- 1 to 36 months↗
- Access terms
- Counter, mobile banking (m-ba) and internet banking (e-ba)↗
- Monthly fee
- BAM 5.99↗
- Account kind
- Fixed↗
- Legal entity
- UniCredit Bank d.d.↗
- Headquarters
- Bosnia and Herzegovina↗
- Support channels
- Phone, Email↗
- Pricing model
- No monthly fee
- Official website
- unicredit.ba
Loans
- Loan amount
- up to BAM 50,000↗
- Arrangement fee
- 0 BAM (no loan processing fee for online loans)↗
- Credit check
- Hard↗
- Funding time
- Within 24 hours↗
- Lender type
- Direct lender↗
- Eligibility
- Retired-person cash loan repayable up to 75 years of age; bank serves customers throughout Bosnia and Herzegovina↗
- Loan types
- Personal↗
- Features
- Travel
Mortgages
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- You can reach the bank by Counter, mobile banking (m-ba) and internet banking (e-ba), so opening and checking a deposit does not need a branch visit.
- The deposit pays a fixed rate over 1 to 36, so the return is set at the start.
- Support runs on phone and email, which covers most day to day questions.
- A debit card on the mastercard network handles 12 currencies, so saving and spending sit with one bank.
Cons
- A fixed rate also locks out the upside, so a rising market will not lift the return on money already placed.
- The money stays in place for 1 to 36, which makes the deposit a poor home for a bill that falls due sooner.
- Support runs on phone and email only, so anyone who wants a live chat or a help centre has fewer routes here.
Who it suits
- Savers in Bosnia and Herzegovina who want a fixed return and can pick their term from 1 to 36.
- Retired customers wanting a personal cash loan repaid well into later life, applied for with a hard credit check.
- People who want savings, a current account and a debit card handled by the same bank.
Who should look elsewhere
- Savers who want their return to follow the market, since bunq pays variable interest instead of a locked rate.
- Anyone not ready to commit to a term, because Wise pays variable interest and keeps the balance flexible.
How UniCredit Bank BiH compares
Where UniCredit Bank BiH is available
- Available
- Bosnia and Herzegovina
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How long must I leave my money in the term deposit?+
You pick the term yourself: 1 to 36. The account kind is fixed, which means the deposit stays put for the period you sign up for, and the rate is fixed throughout. Money that has to stay reachable for a bill or an unexpected cost suits an easy access account better.
Is the interest fixed or can it change?+
The rate is fixed, so what you sign up for holds for the whole term, and the account kind is fixed. That suits someone budgeting on a known figure. It does not suit a saver hoping a rising market lifts the rate mid term, where a variable account would follow the market instead.
What does it cost to hold an account with the bank?+
Packaging comes in two shapes: a no monthly fee model (no monthly fee) and a paid account package at BAM 5.99 a month. Anyone banking with the bank day to day should confirm which products the monthly charge applies to before opening anything.
How do I open and manage the deposit?+
You can deal with the bank through Counter, mobile banking (m-ba) and internet banking (e-ba). Mobile and internet banking let you check a deposit without visiting a branch, while counter service suits people who prefer staff in person. Help is also available on phone and email for questions on either.
Where does the bank operate?+
The registered entity is UniCredit Bank d.d., headquartered in Bosnia and Herzegovina, and the bank serves customers throughout Bosnia and Herzegovina. Savings, current accounts and cards all come from that same institution, so a customer can hold the deposit and run everyday payments in one place.
What support is there if something goes wrong?+
Support runs on phone and email only, so a phone call or an email covers most questions about a running deposit. Anyone who prefers typing in a live chat window, or working through a help centre, has fewer routes here than at an app based rival.
Can I borrow from the same bank, and is there a fee?+
The same bank lends directly, as a direct lender on personal loans, with up to BAM 50,000 available to borrowers. Online loans carry an origination fee of 0 BAM (no loan processing fee for online loans), the application runs a hard credit check, and funding is Within 24 hours.
Do I get a card with the account?+
The bank issues a debit card on the mastercard network, aimed at travel use and working across 12 currencies. That makes it a workable everyday card for a customer who wants spending and savings with the same bank rather than two institutions.
Sources
- unicredit.ba/content/cee2020-pws-bh1/en/stanovnistvo/proi... checked September 26, 2026
Backs: Pricing model, Monthly fee
“Student - Standard package account 0,00 BAM Monthly”
- unicredit.ba/content/cee2020-pws-bh1/en/stanovnistvo/proi... checked September 26, 2026
Backs: Access terms
“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))”
- unicredit.ba/content/cee2020-pws-bh1/en/stanovnistvo/sted... checked September 26, 2026
Backs: Account kind, Rate type, Term
“TERM DEPOSITS Saving with interest payment: after the expiry of the term, periodically”
- unicredit.ba/en checked September 26, 2026
Backs: Support channels
“CUSTOMER SUPPORT TOLL-FREE TELEPHONE NUMBER: 080 081 051 ... E-mail INFO@UNICREDITGROUP.BA”
- unicredit.ba/en/banka/impressum.html checked September 26, 2026
Backs: Headquarters, Legal entity
“UniCredit Bank d.d. Kardinala Stepinca b.b 88 000 Mostar”
- unicredit.ba/content/cee2020-pws-bh1/ba/stanovnistvo/kred... checked September 26, 2026
Backs: Fixed period, Maximum loan to value, Product fee, Purpose
“Housing loans (Stambeni krediti): fixed interest rate up to 20 years”
- unicredit.ba/content/cee2020-pws-bh1/en/banka/banka/banka... checked September 26, 2026
Backs: Lender type
“UniCredit Bank d.d. Mostar is a registered commercial bank headquartered in Bosnia and Herzegovina”
- unicredit.ba/content/cee2020-pws-bh1/en/stanovnistvo/kred... checked September 26, 2026
Backs: Loan amount, Credit check, Eligibility, Funding time, Loan types, Arrangement fee
“Loan amount up to BAM 50.000, repayment period 10 years”
- unicredit.ba/en/stanovnistvo/proizvodi_i_usluge/debitne_k... checked September 26, 2026
Backs: Card type, Currencies, Features, Card network
“Debit Mastercard - internationally recognised card, which enables current account holders”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.