UniCredit mBanking

UniCredit Bank

About this app

You can activate the UniCredit mBanking mobile application services and the mToken services without a branch visit, in case you have valid internetbank services (UniCredit eBanking) credentials. With devices enabling fingerprint scanning, you can easily log into the services, or sign your transactions with biometrics. You can make it easier to approve online card purchases with push notifications.

If you are not already our registered customer you can apply for a Cash loan and you can open one of our attractive bank accounts with or without a debit card.

What services are available in UniCredit mBanking?

Core functions:

• Transaction to new beneficiary or using a template
• Request to pay
• Qvik instant payment solutions (QR-code, NFC and deeplink)
• Transfer between own accounts, even with currency conversion
• Checking the status of account balances, loans and savings
• Register, modify and delete secondary IDs
• Bank account opening with or without a debit card
• Apply for a cash loan product
• Activation of bank cards
• Card+ Discount program
• Temporary suspension and unsuspension of debit card
• Bank card limit modification
• ATM cash withdrawal even if you don't have activated bank card up to 150.000 HUF (mCash)
• View PIN of bank cards
• Card registration to Google Pay
• Login and transaction-signing with biometrical identifier
• Managing standing orders (new and existing)
• Creating, deleting, editing direct debit forms
• SEPA transactions
• Scan & Pay
• Term deposit
• Credit card repayment
• Categorization and analysis of spendings and incomes
• Monthly e-statements
• Push notifications about incoming transactions when money is transferred to your account

mToken functions:

• Two-factor authentication for generating login and transaction authorizing codes for UniCredit eBanking login and transaction signing

Other functions:

• Exchange rates
• ATM & Branch finder

Activating services without visiting branch.

Ratings and reviews

edit: I have to lower my rating sadly. The 3DS 2FA confirmation is broken on GrapheneOS (October 2024). I can only buy things on my PC (as trying to buy anything in apps not possible because the 2fa confirmation never reaches the app). Very bad experience, hope it gets fixed on day. Solid app, been using it for years. I can do almost everything bank related on my phone. Works well with GrapheneOS too, which is appreciated and it also shows that it is a properly crafted Android app. Thank you.

Often I can't log in to the app: I get "Network error" after entering the PIN. This persists for hours at a time (with working Internet). This means I cannot use my cards for online purchases, as the app is now needed to confirm interactive 2FA prompts. EDIT: (2024) same happened, and after error went away, it rejected my PIN code with "invalid PIN" 3x. For 3rd attempt, I even copied the PIN from my pw manager. It was correct. Anyway, app blocked me, and had to call call center. Nightmare.

3 stars, because altough the app is usable, there are some problems with it: * weird layout: unnecessary use of sliding card on account view, 'utalások' screen has redundant parts etc. * It keeps forgetting that I set up biometric authentication. * No formatting for IBAN number when entering them. * Even though I read my documents and messages the notification in the top right corner of the app shows unread items. * Notifications of this app are LAZY. They show up with a considerable delay.

What's new

• Investment modul
• Minor fixes