Unicredit / Loans / Visa Debit Card

Loans

Visa Access Card

no application fee - no annual fee

Enjoy access to your money virtually anywhere in the world with Unicredit’s innovative, award winning account - Visa Access.

Visa Access is a transaction account which works both as an EFTPOS / ATM card and on the Visa network - this provides the additional flexibility of internet, phone and Visa merchant purchases, all from the one card and one account.

By having your pay deposited straight into your Visa Access account, you can enjoy complete access to your own funds, virtually anywhere in the world. And you will still have free access to the second largest ATM network in Australia, the combined rediATM / NAB networks.

Unlike other Debit Cards, at Unicredit you will always have free access and assistance at all our branches.

The Visa Access card is provided with an overdraft limit (with no application fee) - so extra funds are always available when needed, without the annual fees of credit cards.

By using your own money, you will have the convenience and budgeting ease of one account for all your Visa, EFTPOS and ATM transactions.

Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. When you shop online at a Verified by Visa trusted website, they may ask for additional information to check your identity.

:: click here for further information

:: terms and conditions

Visa Debit Card Features
Use your own funds first	By having your salary directed to your Visa Access account you will be able to use your own money first (with Visa convenience), before using the credit facility.
Overdraft limits from $1000	Only apply for the overdraft amount you need. (from $1000)
Worldwide access	Access your funds by all ATM’s and merchants on the worldwide Visa network, as well as over the phone and internet.
Avoid transaction fees	Avoid transaction fees by using the “credit” option for your purchases and the "savings" button for Australian ATM withdrawals.
Internet and telephone banking	Transfer money, check your purchases and outstanding balance using Uniteller online banking and Unicredit’s 24 hour telephone banking.
Calculation of interest	Interest for any outstanding debit balance is calculated daily and charged monthly. Credit interest is calculated on a minimum monthly balance, credited monthly.
Repayments	Minimum repayment amounts are 5% of the closing balance or $5 (whichever is the greater).
Fast approval	A quick answer on your overdraft application so you can order your Visa debit card without delay.
Online security	Shop online with confidence and security with Verified by Visa.
On campus branch convenience	Our conveniently located branches on your university campus make it easy to speak to a Unicredit representative about your loan enquiry.
Personalised and professional service	Call Unicredit and speak directly to your personal lending consultant to discuss consolidating your cards and securing your overdraft against your mortgage at a low rate. Call Unicredit on 9389 1011 or email enquiries@unicredit.com.au Appointments can be made during office hours at the Unicredit Lending Centre (80 Broadway St Nedlands).
Interest rate	13.45 % pa (unsecured) 6.60 % pa (mortgage secured)
	no application fee - no annual fee

Apply today –

Apply for a Visa Access account (pdf) (current members)
Visa Overdraft application (no ongoing or application fee)
New members should call into a Unicredit branch with their ID, and apply for membership, accounts and cards in one go.

Current members can also contact their Lending Consultant on (08) 9389 1011 for enquiries and to apply for the Visa overdraft.

Things you should know

Visa Card Daily Limits : A $3,000 daily transaction limit applies to Visa Access accounts. Should you need to have your daily limit temporarily increased to allow for larger purchases, please call Unicredit on (08) 9389 1011 during branch hours.

All loan applications are subject to Unicredit’s normal lending criteria. Fees and government charges apply, please refer to our Fees and Charges Schedule, by clicking on the link below or collecting from any Unicredit branch. All applicants must be over 18 years of age.

A foreign currency conversion fee applies for purchase transactions outside Australia.

A fee applies to cash withdrawals using the “credit” facility (a Visa Cash Advance). When in Australia, this can be avoided by pressing 'savings' instead of 'credit'.

You should carefully read the Information - Terms & Conditions: Savings Accounts, Fixed Term Deposits and Account Access to decide if a product or service is right for you based on consideration of your objectives, financial situation and needs. The PDS can be obtained at any Unicredit branch or by contacting Unicredit on (08) 9389 1011.

Download the Information - Terms & Conditions: Savings Accounts, Fixed Term Deposits and Account Access