UniCredit — Pan-European banking group headquartered in Milan, supervised by Banca d'Italia and the ECB, with retail operations across Italy, Germany, Austria and CEE.
- HQ
- Milan
- Customers
- 15M+ across 13 European markets
- Connection
- PSD2 (read-only)
Current accounts and salary inflows
Your UniCredit 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 UniCredit 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 UniCredit 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
Not yet supportedMulti-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
- Esselunga
- Coop
- Conad
- Carrefour Italia
- Eni
- Autostrade per l'Italia
- Trenitalia
- Amazon
Detected subscriptions
- Netflix
- Spotify
- DAZN
- Disney+
- Vodafone
- WindTre
- How much have I spent at Esselunga and Conad on my UniCredit card this year?
- What is my UniCredit credit-card minimum payment due next?
- Compare my UniCredit conto corrente income with last year, same month.
- List every recurring TIM, DAZN and Sky payment on my UniCredit account.
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🇮🇹 Italy
Italy implements PSD2 via Banca d'Italia and has one of Europe's most fragmented retail banking markets, with hundreds of cooperative and regional banks alongside the four large groups.
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Does Bank AI move money on my UniCredit account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside UniCredit. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the UniCredit app.
How does Bank AI connect to UniCredit?
UniCredit 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.
What is the My Genius account, and does Bank AI read it?
My Genius is UniCredit Italy's flagship customisable current account. Bank AI reads it identically to any other UniCredit conto corrente - the underlying PSD2 endpoints are the same.
Will my UniCredit credit-card statement appear separately?
Yes. UniCredit credit cards (Genius Card, Banca d'Italia Card variants) are read as their own facilities under your UniCredit connection, with statement balances, available credit and minimum-payment due dates surfaced.
Does Bank AI work with UniCredit Subito Banca and Mobile Banking?
Yes. The connection is established once and reads from the same accounts you see inside Subito Banca and the UniCredit Mobile app. Activity is read-only - all transfers and payments still happen inside UniCredit's own apps.
What happens if UniCredit raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a UniCredit-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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