Genius Conto Unicredit: Tutto Cio Che Devi Sapere

Genius Conto Unicredit is a type of current account designed for young people and students.

It offers a free Mastercard and a mobile app to manage your finances on the go.

You can open a Genius Conto Unicredit online or in a bank branch, and it's available to anyone under the age of 26.

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Unicredit is a bank that offers a range of financial services, including a type of account called My Genius. My Genius is a modular account that can be customized to fit your needs.

The account is offered by the Unicredit Group and comes with a fixed monthly fee. You can choose from different versions of the account, each with its own monthly fee. The basic version of the account includes classic banking features like deposits, withdrawals, and payments in-store.

One of the key features of My Genius is the ability to add or remove modules as needed. You can do this online, in a branch, or through an ATM. The modules are incremental, meaning each one includes the features of the previous one, plus additional benefits at a discounted price.

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The basic account comes with a few features, including a debit card, internet banking, and the ability to receive your salary. You'll also get a VISA debit card and the ability to pay bills. The account is available in two forms: a personal account or a joint account.

Here are some of the basic features you get with the My Genius account:

To open a current account with UniCredit's My Genius, you'll need to be at least 18 years old and a resident in Italy. You'll also need to be a new UniCredit customer.

You'll need to provide a valid ID, such as a passport or ID card, and your phone number and email address. A working camera or webcam is also required for facial recognition.

UniCredit requires this information to ensure the security of the account opening process and to comply with anti-money laundering regulations.

To open the account online, go to UniCredit's website and follow the instructions. You'll need to enter your personal details, including your name, date and place of birth, and address. You'll also need to upload a copy of your valid ID.

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If you open the basic version of the account without any active modules, you won't be charged a monthly fee. You'll also be able to make online euro transfers and use the Mobile Banking app or your secure area to make free transfers.

However, if you open the account using facial recognition, you'll have a monthly limit of €1,500 for outgoing transactions. To lift this limit, you'll need to deposit the specimen of your signature at a UniCredit branch.

The account opening process is available from March 23 to 29, 2023, and is only valid for new UniCredit customers.

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Unicredit My offers a range of solutions tailored to your needs, with a monthly fixed fee for each version. This flexibility is perfect for those who want a customized banking experience.

The basic modalità of My Genius includes phone banking, internet banking, a debit card, direct deposit of your salary, and utility bill payment. You can also opt for additional modules like the Modulo Transazionale Silver, Gold, Platinum, or Investimento.

These modules can be added at any time, and you can access them from home, in a branch, or through ATM Touch using a generated security code. The available solutions are:

My Genius is a modular current account, which means you can add new modules to personalize the offer, and also change the chosen monthly fee every month to adapt to your needs. The modules are incremental, each one including the services of the previous one, adding additional benefits at a discounted price.

To open the account (nominal or co-signed) or add new modules, you just need to connect to the website and follow the procedure. Opening a "neutral" account (i.e., without any active modules) gives you access to:

The account opening is free, and you can operate without commissions on the main online functions, such as transfers and payments.

UniCredit regularly offers promotions on the monthly fee, which can be further reduced or even zeroed out based on the account holder's age or other requirements. The bank's commitment is to ensure total clarity of the economic conditions, making My Genius a thoughtful choice for those looking for a functional and affordable current account.

Here are the costs for the My Genius Green account:

The costs for the associated debit card are:

The main difference between the traditional conto base and the Conto Corrente My Genius lies in the personalization and innovation of services offered.

The conto base is a solid choice for those who want a simple and essential banking product, offering standard banking services like deposits, withdrawals, and payment operations.

The Conto Corrente My Genius, on the other hand, goes beyond, providing advanced features ideal for those seeking a more smart and technological financial management.

This includes an intuitive user interface, access to a wide range of online banking tools, and mobile apps that allow customers to operate with ease from their smartphone or tablet.

In fact, My Genius is perfect for a public that prioritizes digital interaction and wants a bank account that adapts to the changing needs of a constantly connected life.

Here are some key differences between the two:

With Genius Conto Unicredit, you can manage your cards and accounts in one place.

You can link up to 3 current accounts, 3 savings accounts, and 3 credit cards to your Genius Conto.

Genius Conto offers a single, unified view of your accounts, making it easier to keep track of your finances.

Your accounts are updated in real-time, so you'll always have the latest information.

You can also set budget reminders and alerts to stay on top of your spending.

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To activate a Genius Card, you'll need to be at least 18 years old, a resident in Italy, and a new client. You can request a Genius Card in a branch or online, and it's a relatively straightforward process.

The cost of issuing a Genius Card is 5 euros, and the monthly fee is 2 euros. However, if you're under 30, you can enjoy a nice perk - the monthly fee is waived.

You can also activate a Genius Card by visiting a Unicredit branch and signing a contract, or by opting for the online procedure.

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The Moduli Aggiuntivi of the Genius Conto Unicredit are a great way to enhance your banking experience. You can choose from various modules to suit your needs.

The Modulo Transazionale Silver is available for a monthly fee of 6 euros and includes a carnet of 10 assegni, unlimited free online transfers, and a UniCreditCard Click with no emission fees.

The Modulo Transazionale Gold offers a carnet of 10 assegni, unlimited free online transfers, and a UniCreditCard Flexia (you can choose from several options) for free for the first year. The monthly fee is 9 euros.

The Modulo Transazionale Platinum provides all the services included in the Modulo Transazionale Gold, plus two additional international credit cards, free withdrawals, transfers, and payments abroad, and a second UniCreditCard Flexia for free. The monthly fee is 17 euros.

The Moduli Investimento, on the other hand, allow you to invest through your secure area by linking your My Genius account to a securities deposit. You can choose between the Gold and Platinum versions.

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The Modulo Investimento Gold has a monthly fee of 4 euros and offers a 50% reduction on the fixed costs of managing and administering the securities deposit, as well as a 20% reduction on the commissions for collecting and negotiating investments and orders.

Here are the main features of the Moduli Aggiuntivi:

UniCredit's My Genius account comes with a range of smart features that make managing your finances a breeze. The account is modular, allowing you to add or remove services as needed.

With a neutral account (without any active modules), you get a lot of benefits right off the bat. You'll have an international debit card, My One circuito VISA, included in the annual fee. You'll also get the annual fee for the Banca Multicanale service, which lets you manage your account online or on your phone/tablet/pc.

You can also take advantage of domiciliation of your utilities and direct deposit of your salary. These services are included in the account, making it easy to stay on top of your finances.

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Choosing the My Genius account from UniCredit means selecting a banking service that perfectly meets the needs of flexibility, security, and convenience.

The requirements for opening an account have been designed to be as accessible as possible while respecting regulations and considering the user experience.

Whether you're new to online banking services or an experienced user, My Genius presents itself as the ideal solution for managing your finances intelligently.

The attention to the environment is also noteworthy, with the My Genius Green offer featuring cards made from eco-friendly materials and digital communication to minimize paper waste.

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You can open a My Genius account online by visiting the Unicredit website, clicking on the dedicated button, and following the on-screen instructions.

To open a My Genius account online, you'll need to provide your personal details, including your name, address, and ID number. You'll also need to upload a valid ID document.

If you open a My Genius account online, you won't be charged a monthly fee for the basic version, which doesn't have any active modules. You'll also be able to make free euro transfers and use the Mobile Banking app to manage your account.

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The promotion for opening a My Genius account online is active from March 23 to March 29, 2023, and is only valid for new Unicredit customers.

If you open a My Genius account using a selfie, you'll have a limit of €1,500 per month for outgoing transactions. To lift this limit, you just need to deposit a specimen of your signature at a Unicredit branch.

Unicredit's My Genius account comes with a range of services, including a V PAY debit card, multichannel access, and the ability to domicile your utility bills.

You can access your account online, via smartphone or tablet, and even receive your salary directly into your account.

The services offered by Unicredit's My Genius account are modular, meaning you can add or remove them as needed.

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Opening a Genius conto UniCredit is definitely worth considering, especially if you're looking for a modular account that allows easy switching between plans.

The Genius conto UniCredit offers a high level of operativity, making it easy to manage your finances.

However, if you're looking for a more robust account with low fees and high performance, you might not find the Genius conto UniCredit to be particularly interesting.

In contrast, if you prioritize simplicity and ease of use, the Genius Card from UniCredit is worth exploring.

For those seeking higher remuneration, it's worth checking out the conto deposito Unicredit, which offers a more lucrative option.

Ultimately, the decision to open a Genius conto UniCredit depends on your specific needs and priorities.

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