UniCredit Banka Slovenija

What UniCredit Banka Slovenija does

UniCredit Banka Slovenija d.d. is a wholly-owned Slovenian banking subsidiary of UniCredit Group, one of Europe's largest banking conglomerates. Registered as a Slovenian joint-stock company with the District Court in Ljubljana (share capital EUR 20,383,764.81), the bank operates from its headquarters at Ameriška ulica 2, Ljubljana, and serves three principal customer segments: private individuals (consumer loans up to EUR 40,000, mortgage loans up to 360 months, four banking packages — Sprošceni, Aktivni, Brezmejni, Digitalni — deposits, savings, Amundi and onemarkets Fund investment products, MasterCard cards, and insurance); entrepreneurs and small businesses (transaction accounts, short- and long-term working-capital and investment financing, revolving credits, overdraft facilities, POS terminals, and business cards); and large corporates and financial institutions (syndicated loans, capital markets advisory including ECM, DCM, M&A, treasury and hedging products, guarantees, factoring, and trade finance).

The bank's core technology layer is a multi-channel digital banking platform consisting of Mobile Bank GO! (native on Android, iOS, and HarmonyOS, with push notifications and Quick Sign authentication), Online Bank (web), BusinessNet (corporate online banking with multilingual support), and E-bank — a Slovenian electronic banking solution built with partner Halcom d.d. that is used by 70% of Slovenian companies for domestic and cross-border payment transactions and E-invoice flows. PSD2-compliant open banking APIs (AIS, PIS, FCS) are exposed via developer.unicredit.eu, and the platform integrates with MasterCard, Google Pay, and Flik (a domestic instant payment rail).

Revenue is generated primarily through net interest income from lending (consumer, mortgage, and corporate), transactional fees and account-package fees, and commission income from the distribution of investment funds (Amundi, onemarkets Fund), insurance products, and capital markets/advisory mandates. Distribution relies on a 9-branch physical network across Slovenia supplemented by self-service digital banking, a contact center, and dedicated relationship-management coverage for corporate and FI clients.

Name

UniCredit Banka Slovenija

Legal name

UniCredit Banka Slovenija d.d.

Website

https://unicreditbank.si

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

UniCredit Banka Slovenija is a Slovenian universal bank and wholly-owned subsidiary of UniCredit Group, serving retail, SME, large corporate, and financial-institution clients across Slovenia via 9 branches, Mobile Bank GO!, BusinessNet, E-bank, and PSD2 open banking, with offerings spanning lending, deposits, payments, investment distribution, and capital markets advisory.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Commercial Banks, Nec (6029)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Corporate banking
• Consumer lending
• Mortgage loans
• Investment products

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from lending activities including consumer loans, mortgage loans, and business financing. The bank offers consumer loans up to 40,000 EUR with promotional fixed rate of 4.49% and mortgage loans with repayment periods up to 360 months.
2. Fee and Commission Income: Fees from account maintenance, payment transactions, card services, and banking packages (Sproščeni, Aktivni, Brezmejni). Also includes fees from electronic banking services and documentary operations.
3. Investment Product Distribution: Commission income from distribution of investment products including mutual funds (Amundi, onemarkets Fund), investment insurance, and investment baskets for regular savings.
4. Insurance Distribution: Commission income from sale of insurance products including life insurance for borrowers, property insurance, and investment life insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

UniCredit Banka Slovenija d.d. is a Slovenian universal bank providing retail banking (consumer loans, mortgages, banking packages, deposits, savings, mutual funds, MasterCard cards, insurance) and corporate banking (business financing, trade finance, guarantees, POS terminals, capital markets advisory, M&A, treasury products). The bank distributes products through physical branches across Slovenia, digital channels including Mobile Bank GO!, Online Bank, BusinessNet, and E-bank (used by 70% of Slovenian companies), and a contact center.

Product overview

UniCredit Banka Slovenija offers a comprehensive banking platform across multiple segments: Personal Banking (prebivalstvo) with consumer loans, mortgages, banking packages (Sproščeni, Aktivni, Brezmejni, Digitalni), deposits, savings, mutual funds (Amundi, onemarkets Fund), MasterCard credit/debit cards, insurance products, and digital banking services including Mobile Bank GO!, Online Bank, and Flik instant payments; Corporate Banking (podjetja) providing business financing, trade finance, guarantees, POS terminals, capital markets advisory (M&A), treasury products, and corporate digital channels including E-bank, BusinessNet, and Mobile Bank PRO!; and Investment Banking services. The digital banking infrastructure supports multiple channels (mobile, web, desktop), PSD2 open banking compliance, and third-party integrations including Google Pay, MasterCard, and Flik.

Differentiator

Problem solved

Functional benefit

Brands

• Mobilna banka GO!: Mobile banking application for retail customers (Android, iOS, HarmonyOS)
• Mobilna banka PRO!
• Online banka
• BusinessNet
• E-bank
• E-račun
• Flik
• onemarkets Fund

Products and services

• Consumer Loan (Potrošniški kredit) Consumer loan up to EUR 40,000 with repayment period up to 7 years, available with fixed or variable interest rate. Promotional fixed annual interest rate of 4.49% (EOM 6.16% for EUR 15,000 over 5 years). Can be arranged online or in branch. Targeted at individual retail customers.
• Housing Loan (Stanovanjski kredit) Mortgage loan for purchasing, constructing, or renovating real estate, with repayment period up to 360 months. Targeted at individual retail customers seeking home financing.
• Personal Banking Packages Bank account packages (Sproščeni, Aktivni, Brezmejni, Digitalni) including transaction account, debit card, and tiered service levels. 6 months free for new customers, then standard package fees apply. Targeted at individual retail customers.
• Term Deposit (Depozit) Classic term deposit product with fixed interest rate for the entire deposit period, available as short-term or long-term options. 12-month deposit available with favorable interest rate. Funds covered by deposit guarantee scheme up to EUR 100,000. Targeted at retail customers.
• Savings Account (Varčevalni račun) Savings account with funds accessible at any time while earning interest on deposits. Targeted at retail customers seeking flexible savings.
• Amundi Mutual Funds (Vzajemni skladi Amundi) Mutual funds managed by Amundi, available for regular monthly savings or single deposits with various risk profiles and investment portfolios. Distributed through bank's retail and business banking channels.
• onemarkets Fund Investment fund offering combining deposits with investment fund products, available exclusively through UniCredit Bank Slovenija for wealth accumulation and diversification. Targeted at retail customers.
• MasterCard Payment Cards (Plačilne kartice MasterCard) MasterCard credit and debit cards including standard cards, World cards, and insurance services associated with card products. Targeted at retail customers.
• Flik Instant Payment Service Slovenian instant payment service enabling immediate money transfers between users of participating Slovenian banks in real-time. Targeted at retail customers and businesses.
• Borrower Life Insurance (Življenjsko zavarovanje kreditojemalca) Life insurance for borrowers protecting against death during loan repayment period. Targeted at retail customers taking out loans.
• Property Insurance (Premoženjsko zavarovanje) Property insurance covering residential and movable property insurance policies. Targeted at retail customers.
• Investment Life Insurance (Naložbeno zavarovanje) Investment-linked insurance product combining insurance protection with investment opportunities. Targeted at retail customers.
• Mobile Bank GO! (Mobilna banka GO!) Mobile banking application for personal customers supporting account management, transaction viewing, payments, and digital services. Available for Android, iOS, and HarmonyOS devices with push notifications and Quick Sign authentication.
• Online Bank (Online banka) Web-based online banking platform for personal customers enabling account access, payments, and transaction management from any device with internet connection.
• Capital Markets (Kapitalski trgi) Capital markets services including equity capital markets (ECM) and debt capital markets (DCM) advisory, IPOs, capital increases, and convertible bonds. Targeted at large corporate clients.
• M&A Advisory Mergers and acquisitions advisory services for corporate clients. Targeted at large corporate clients.
• Trade Finance Trade financing services including letters of credit, documentary collections, and guarantees for international trade transactions. Targeted at business and corporate clients.
• Bank Guarantees (Banka Garancija) Bank guarantee services including bid bonds, performance bonds, advance payment bonds, and customs guarantees. Targeted at business and corporate clients.
• Receivables Purchase and Factoring (Odkup terjatev in faktoring) Receivables purchase and factoring services for corporate clients. Targeted at business clients managing working capital and receivables.
• Business Overdraft (Poslovni limit) Business account overdraft facility for covering short-term liquidity needs of companies. Targeted at SMEs and entrepreneurs.
• Short-term Revolving Credit (Kratkoročni revolving kredit) Short-term revolving credit facility for occasional liquidity deficits of businesses. Targeted at SMEs and entrepreneurs.
• Long-term Business Loan (Dolgoročni kredit) Long-term investment loan for financing fixed assets and working capital with repayment periods up to 15 years. Targeted at SMEs and large corporate clients.
• Business Credit Cards (Poslovna kartica) Business credit cards with deferred payment for companies and entrepreneurs. Targeted at SMEs and corporate clients.
• POS Terminals (POS terminali) Point-of-sale terminal services for merchants to accept card payments including Flik payments. Targeted at merchant businesses.
• BusinessNet (Online poslovanje) Online banking system for companies enabling payment transactions, account management, and business banking operations 24/7 with multilingual support and collective signing capabilities. Targeted at business and corporate clients.
• E-bank Corporate Online Banking Slovenian electronic banking solution used by over 70% of Slovenian companies, supporting domestic and international payment transactions with PKI security. Targeted at corporate and business clients.
• Mobile Bank PRO! (Mobilna banka PRO!) Mobile banking application for corporate clients and entrepreneurs supporting business account management and payment signing. Targeted at SMEs and large corporate clients.
• Custody Services (Skrbništvo) Custody services for securities held on behalf of clients. Targeted at financial institutions and large corporate clients.
• Treasury Products (Zakladniški produkti) Treasury products including forward exchange transactions, foreign exchange swaps, currency options, interest rate hedging instruments (FRAs, swaps, options), and commodity risk management. Targeted at corporate and financial institution clients.
• E-invoice (E-račun) Electronic invoice service enabling issuers to send invoices through E-bank system and recipients to pay with single click, reducing paper usage. Targeted at business and corporate clients.

Quantifiable outcome

• E-bank used by 70% of Slovenian companies

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature4 records

Partnerships

13 partnerships are on record, tiered major, minor and core.

• SIJ GroupmajorOthers · 17 March 2026UniCredit Banka Slovenija served as one of the senior lenders in the SIJ Group's financial restructuring. The transaction involved EUR 330 million of bank debt and EUR 41 million of listed notes, with a long-term refinancing agreement signed on February 26, 2026 and closed on March 17, 2026, extending most maturities to end of 2028.
• NLBminorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• OTP BankaminorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• SID bankaminorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• Banka Intesa SanpaolominorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• EBRD (European Bank for Reconstruction and Development)minorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• Erste Group BankminorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• Gorenjska BankaminorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• Banka SparkasseminorOthers · 17 March 2026Co-lender in SIJ Group senior financial restructuring alongside UniCredit Banka Slovenija and other Slovenian and international banks.
• AmundicoreTechnology or IntegrationPartnership for distribution of mutual funds. UniCredit Bank offers Amundi investment funds, investment baskets for regular savings, and investment portfolios for single deposits through its retail and business banking channels.
• onemarkets FundcoreTechnology or IntegrationExclusive investment fund offering available through UniCredit Bank Slovenija, combining deposits with investment fund products.
• Halcom d.d.coreTechnology or IntegrationTechnology provider for E-bank electronic banking system, a Slovenian electronic banking solution used by 70% of Slovenian companies. Halcom provides the technical infrastructure for E-bank including digital certificate authentication.
• Red Cross Slovenia (Rdeči križ Slovenije)minorOthersCharitable partnership enabling free donation transfers to humanitarian accounts at UniCredit Bank. The bank facilitates donations to various humanitarian organizations including Red Cross Slovenia.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Nova Ljubljanska Banka (NLB): Slovenia's largest domestic bank and the dominant retail and corporate banking franchise in the country. Directly comparable to UniCredit Banka Slovenija across all customer segments, with similar product suites; NLB is the market-share leader UCBS competes against.
• Nova Kreditna Banka Maribor (NKBM): Second-largest Slovenian bank, providing retail, SME, and corporate banking across Slovenia. Competes head-to-head with UCBS in lending, deposits, and digital banking; jointly participated as co-lender in SIJ Group restructuring.
• SKB Banka: Slovenian universal bank owned by OTP Group, offering retail, SME, and corporate banking products. Direct competitor across all segments UCBS serves, with similar digital capabilities and branch footprint.
• Banka Intesa Sanpaolo (Slovenia): Slovenian subsidiary of Italian banking giant Intesa Sanpaolo, providing retail, SME, and corporate banking. Direct competitor in corporate banking and syndicated lending; co-lender with UCBS on SIJ Group restructuring.
• Addiko Bank (Slovenia): Slovenian consumer and SME-focused bank specializing in unsecured lending and deposits. Competes most directly with UCBS in consumer loans and retail deposits, where Addiko is known for aggressive pricing.
• Gorenjska Banka: Regional Slovenian bank headquartered in Kranj, serving retail and SME customers. Smaller direct competitor with overlapping branch geography; co-lender with UCBS on SIJ Group restructuring.
• Banka Sparkasse (Slovenia): Slovenian subsidiary of Erste Group's Sparkasse network, providing retail and SME banking. Competes with UCBS particularly in retail lending and deposits; co-lender in SIJ Group deal.

Broad incumbents

• UniCredit Group: Pan-European commercial banking parent of UCBS, operating across Italy, Germany, Austria, and CEE. Sets strategic direction, provides capital markets and investment banking capabilities, and shares technology platforms like BusinessNet.
• Erste Group Bank: Major CEE banking group with Austrian roots and extensive presence across Central and Eastern Europe. Overlaps with UCBS's corporate banking and syndicated lending capabilities in the broader CEE region.

Others

• Halcom d.d. Slovenian fintech technology provider supplying the E-bank electronic banking platform that UCBS deploys to 70% of Slovenian companies. Critical infrastructure partner rather than direct competitor; failure or dispute would directly impact UCBS's corporate channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/UniCreditBankaSlovenija

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UniCredit Banka Slovenija