Transactional Business

Payments and Cash Collecting

Why choose UniCredit Bank? Recognizing small business requirements, UniCredit Bank has created a quality offer of banking products and services needed in everyday business of craft trades, freelancers and small businesses.

Local Payments

Appreciating time of our clients, we offer efficient and quality execution of payment orders, by applying state-of-the-art technology in executing payment transactions.

What we offer?

Local payment orders are received on each working day within branch office working time.
All received payment orders are executed in the same banking day up to the amount of available funds in the account, regardless of the quantity of received orders.
Payments are credited to the account immediately upon receipt.
Incoming funds are available on the same banking day when received.
Based on the approved client's request, it is possible to deposit daily cash income in all our organisational units in favour of relevant transactional accounts opened in other organisational units of the Bank.
We provide account statements including data on previous account balance, detailed list of individual daily inflows and outflows, and final balance of the day.

We execute payment orders (received by the Branch Office) on the same day according to the following instruction

Payments to other local banks (Giro Clearing and RTGS)

Cut of time for order receipt (in any form) is 12:00 h from Monday to Friday.
Orders received until 12:00 h will be processed with the same date value.
Orders received after 12:00 h will be processed with the next day value.

Payments to Bank's clients

Cut of time is 12:00 h from Monday to Friday with the same day value.

Orders received via Internet Banking are executed on the same day according to the following instructions

For payments to other local banks, the cut off time is 14:00 h via Giro Clearing and 15:30 h via RTGS. This type of orders may be issued from Monday to Friday. Orders specified as urgent are executed via RTGS.
For payments in favour of Bank's clients (intrabank orders), cut-off time is 18:00 h from Monday to Saturday.

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Cross-border Payments

We offer international payment services to our clients according to top global standards.

Payments Abroad

Each order for payment abroad (provided it meets legal requirements and has adequate cover) received by any of our branch offices until 13:00 h is executed on the same day, excluding Saturdays, when received orders are processed on the next banking day.

For payments abroad or to a local non-resident account, it is necessary to:

submit a correct payment order (Cross-border Payment Order - Form 1450 )·
invoice, pro-forma invoice, or contract based on which the payment is made
ensure a cover for the payment

You can deliver your payment orders:

via Internet Banking
to UniCredit Bank branch offices

Useful tips:

When completing the Form 1450, please specify Beneficiary's IBAN and SWIFT code of the Beneficiary Bank in order to avoid any further costs of foreign banks. After the payment is made, the Bank can send, at your request, a copy of SWIFT (payment confirmation) via fax or e-mail.

Cut-off times

Orders received by Cross-border Payments Unit will be processed on the same day as follows:

In case of standard processing with value date T+2 banking days

Cross-border payment orders received in a written form by 15:00 h;
Cross-border payment orders received in e-form by 15:00 h;

In case of processing with value date T+1 banking day (not subject to FlashPayment System)

Cross-border payment orders received in a written form by 12:00 h;
Cross-border payment orders received in e-form by 13:00 h;

In case of processing with value date T+0

Cross-border payment orders received in a written form by 11:00 h;
Cross-border payment orders received in e-form by 12:00 h;

Payments from Abroad

Incoming cross-border payments in favour of our clients are processed by the Bank according to the received value dates if all data of the payment order are correct.

For incoming FX payments, please provide your counterparts with the following details

Full name and address of the Beneficiary
IBAN or account number
SWIFT BIC of UniCredit Bank d.d. (UNCRBA22)

Cross-border payments (incoming and/or outgoing) are subject to UniCredit Bank Terms and Conditions for Cross-border Payments.

Flash Payment

Flash Payment ensures crediting of the Beneficiary's account on the next working day if:

Beneficiary's (Receiving party) account is kept with a member bank of UniCredit Group
containing Beneficiary's IBAN and BIC
payment currency is EUR

Fees for Local FX Payments

Payment fees are charged from your transactional account at the moment of order execution. The amount of the fee charged is specified in the account statement together with the payment order number, which it is based on.
The Bank charges fees and other costs in line with UniCredit Bank Decision on Tariff of Services, valid at the moment of payment order execution, or in line with the relevant Bank/Client Relationship Agreement.

Useful Terms

BIC - Bank Identifier Code or SWIFT address is a bank unique international code/address.

IBAN - International Bank Account Number is a unique international identifier of the client's bank account. IBAN is one of key prerequisites for automated payment processing by EU banks. If no IBAN is specified in the payment order, extra processing costs are charged. If you send your payment orders in e-form, please insert IBAN without spaces or blank fields, while in hard-copy forms every four digits of IBAN have to be separated by a blank field.

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FlashPayment enables quick, efficient and inexpensive cross-border payments to countries/banks - members of UniCredit Group

Benefits of FlashPayment

more efficient funds transfer between the sending and receiving party having accounts with UniCredit Group member banks
guaranteed crediting of the receiving party's account with the same day value or next day value at the latest, depending on the receipt time
orders received until 13:00 h will be executed with T+0 value date
orders received after 13:00 h will be executed on the next banking day with T+0 value date
cross-border incoming payments (depending on the sending party's country) are processed with the same day value or next day value at the latest*
any payment order, which meets the specified pre-conditions, is executed as a FlashPayment without any special request and at no further costs for T+0 value date

* UniCredit Group member banks in Croatia, Hungary, Romania, Slovenia, Czech Republic and Bulgaria send payments to B&H with the same (banking) day value. UniCredit Group member banks from other countries send payments to B&H with the next day value.

Preconditions for cross-border incoming/outgoing payment

receiving/sending party's account is kept with a member bank of UniCredit Group
payment currency is EUR
IBAN (International Bank Account Number) and BIC (SWIFT address) are included
Cross-border payment orders received via Internet Banking for corporate clients

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UniCredit Bank day -night vault is a self-service device, which is used for depositing cash in the local currency for further processing and booking to the specified account. UniCredit Bank day and night valut service is available 24/7 and allows you to make deposits even after your branch's working hours.

It is easy and safe to use the day-night vault devices.

Your time is valuable. With day-night valut service you are always fitst in the queue.

Features of the Day-night vault (DNV) Service

The client packs cash, together with the specification and deposit order, into a one-time safety PVC bag;
It is not permitted to pack coins into the safety PVC bags, but banknotes only;
Client identification takes place via DNV card;
Cash deposited via DNV by 13:00 o'clock will be credited to the respective transactional account on the same day;
The door of the drop chute will be opened for you to deposit your cash after you identify yourself with the DNV card. After the cash is dropped into the safety mechanism, the door is closed automatically and the cash is deposited into the safe box.

Locations of day-night valut devices

Mostar, No. 4 Dubrovačka St. (Mostarka building)
Sarajevo, No. 24 Zelenih beretki St. (24/7 zone)
Sarajevo (Ilidža), No. 10 Mala Aleja (24/7 zone)
Sarajevo (Holiday Inn), Zmaja od Bosne 4 (24/7 zone)
Bihać, V Korpusa bb (24/7 zone)
Mostar, Kardinala Stepinca bb (HO building)
Tuzla, No. 53-55 Džafer Mahala (24/7 zone)
Široki Brijeg, fra Didaka Buntića bb (24/7 zone – Sport Center)
Ljubuški, Kralja Zvonimira bb (24/7 zone)
Grude, No. 124 Dr. Franje Tuđmana St. (24/7 zone)
Vitez, Petra Krešimira IV (24/7 zone)
Čitluk, Kralja Tvrtka 1 St.
Posušje, No. 28 Fra Grge Martića St. (24/7 zone)
Cazin, Cazinskih brigada bb (24/7 zone)

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Cash Collection is a service offered by the Bank in cooperation with Security Agencies, and it includes transporting of cash from merchant's locations to the Bank's premises.

UniCredit Bank takes responsibility for your cash from the moment of taking over at your location until the cash is credited to the transactional account opened with UniCredit Bank.

Cash Collection Service Features

The service is convenient for merchants who have a large number of shops and/or handle with large amounts of cash;
The whole process of Cash Collection is specified in the Protocol of Cash Collection Services;
The Bank takes over the full risk of cash transport, which simplifies cash management for the client to a great extent;
The Bank provides saftey bags for the Cash Collection Service free of charge;
Cash Collection Service is available on working days (Monday to Friday);
If the merchant does not want cash to be collected from all locations, it is possible to contract the Cash Collection Service from only one or from certain locations/points of sale;
Apart from collecting cash from the merchant, it is possible to deliver necessary quantities of cash to the merchant;
The cash is packed, together with the cash specification and deposit order, into a one-time safety PVC bag.

Cash Collection Service is available throughout Bosnia and Herzegovina.

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