buddy UniCredit review

The account carries a monthly fee of €0, so keeping it open adds nothing to a business budget. The same figure applies for the business users the account is built for, and the debit card comes as part of the account rather than a separately paid product.

It is a debit card. Spending draws on the money in the account rather than on borrowing, which suits a business that wants card use tied to its own funds. The monthly fee stays at €0 alongside it.

The audience is business, so the account is aimed at companies rather than personal use. The card is a debit card and the monthly fee is €0, which keeps the running cost of a business account simple to plan around.

Support runs through chat. Questions are handled in a written chat channel rather than by phone or at a branch, so it suits users who prefer to keep a record of the exchange. Anyone who needs voice contact for urgent matters may prefer another route.

The account is provided by UniCredit S.p.A., a bank based in Italy that was founded in 1998. The buddy name is a product of that same legal entity, so the bank is the party on the account rather than an intermediary between the user and the money.

The account sits at 1 on monthly fee among 419 brands compared here, and its cost score is 6. That places it with the lowest monthly fees in the ranking rather than among the accounts that charge the most.

The product is listed as a debit card, so spending is limited to the balance held in the account, and the only charge is the monthly fee of €0. Rewards and borrowing are not part of what this account sets out to offer.