Unicredit / Loans / Visa Debit Card

Loans

Visa Access Card

no application fee – no annual fee

Enjoy access to your Unicredit funds virtually anywhere in the world with Unicredit’s innovative account access card - a Visa Debit card with an attached overdraft.

Your Visa Access account is a transaction account which can replace your On Call Savings account to provide the additional flexibility of internet, phone and Visa merchant purchases, all from the one card and one account.

Another advantage is that Visa based purchases, such as pressing ‘credit’ at a merchant terminal, doesn’t count towards your membership entitlement of ten free debit transactions.

The Visa Access card is provided with an overdraft limit – so extra funds are available only when needed, without the annual fee 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.

Unicredit provides an extra level of security for your online shopping with Verified By Visa. Register by asking your branch or lending consultant when signing your credit limit. :: Click here for further details.

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 being 5% of the closing balance or $5 (whichever is the greater).
24-48 hour 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	14.50 % pa (Unsecured) 7.65 % pa (Mortgage Secured)
	no application fee - no annual fee

Apply today –

Visa Access application form

Current members should contact their Lending Officer on 9389 1011 for enquiries.

Things you should know

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.

Unicredit allows 10 free debit transactions per calendar month aggregated over all savings and equity access accounts within one membership, including withdrawals via direct debit, member chequing, EFTPOS, ATM, account transfer, Bank@Post and cash withdrawals at Unicredit branches. EFT transactions using the “savings” or “cheque” options rather than “credit” will incur a charge once the 10-free monthly transactions have been used. A foreign currency conversion fee applies for purchase transactions outside Australia. A fee applies to cash withdrawals when using the “credit” facility.

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