HypoVereinsbank — Munich-headquartered German retail and corporate bank, the German arm of UniCredit, supervised by BaFin.
- HQ
- Munich
- Customers
- 8M+ private, corporate and wealth clients
- Connection
- PSD2 (read-only)
Current accounts and salary inflows
Your HypoVereinsbank current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.
Savings, deposits and pots
Easy-access savings, fixed-term deposits and goal-based pots offered by HypoVereinsbank are read alongside the current account so the full balance is never split.
Cards and recurring spend
Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.
Standing orders and direct debits
Mortgage payments, rent, utilities and SEPA direct debits hitting your HypoVereinsbank account are detected so non-discretionary outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Read by Bank AIWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Read by Bank AIMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- REWE
- EDEKA
- IKEA
- Aldi
- Lidl
- Deutsche Bahn
- Lufthansa
- Amazon
Detected subscriptions
- Netflix
- Spotify
- Disney+
- DAZN
- Telekom
- Sky Deutschland
- How much sits across my HVB Girokonto and Tagesgeld today?
- Compare my HVB business-account spend with my personal account this quarter.
- List every recurring Telekom, Sky and DAZN payment on my HVB account.
- What's the next direct debit due on my HVB account?
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🇩🇪 Germany
Germany has the largest banking system in continental Europe by branch count, with roughly 1,500 individual licensed institutions across the public, cooperative and private pillars.
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Does Bank AI move money on my HypoVereinsbank account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside HypoVereinsbank. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the HypoVereinsbank app.
How does Bank AI connect to HypoVereinsbank?
HypoVereinsbank exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.
Is HypoVereinsbank the same as UniCredit?
HypoVereinsbank (HVB) is UniCredit's German subsidiary. Bank AI reads each one as its own connection so an HVB account and a UniCredit Italy account stay distinct.
Does Bank AI surface my HVB Tagesgeld and Festgeld?
Yes. Tagesgeld and Festgeld balances are read as distinct sub-balances under your HVB connection, with rates and maturities surfaced where exposed.
What about my HVB business / corporate accounts?
Where HVB exposes Geschaeftskonten under PSD2, they appear under your HVB connection and are tagged separately from personal accounts for clean SME reporting.
What happens if HypoVereinsbank raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a HypoVereinsbank-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.
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