What is the official website of the payment service?
https://www.unipol.it
https://www.unipol.it
Customer support contacts can be found on the "Contacts" page of the official website or in the site's footer.
The main customer service phone number is +39 051 5077111.
Toll-free support numbers are typically provided for Italian clients; check the official contact page for current numbers.
Technical support inquiries can usually be sent to [email protected] or via the contact form online.
Large financial services commonly offer separate email addresses for claims, technical problems, and general inquiries on their website.
Many providers link to online chat support from the homepage, help center, or inside the secure client portal; check the website for the chat icon.
Most payment providers offer chat support during business hours but not typically 24/7; hours are posted on the website.
Many licensed payment services now offer support via WhatsApp or Telegram; details are usually posted in the support section.
Support operates weekdays during office hours, typically 9:00–18:00 CET; some services offer extended or weekend hours.
Emergency support may be available on weekends/holidays, but routine inquiries are typically handled on business days.
Major financial service groups maintain regional offices and agency locations for in-person visits; addresses are listed online.
Main headquarters: Via Stalingrado, 45, 40128 Bologna, Italy. Regional offices are listed on the website.
Personal meetings can usually be scheduled by contacting local branches or agents by phone or through the website.
Large providers may have international offices or partner agents in other countries, details available in the company's corporate section.
Support is provided in Italian and often in English; large companies may offer help in additional European languages.
Standard response times range from a few hours for calls, to 1–2 days for email; urgent issues typically receive faster handling.
Many providers offer priority response for VIP, premium, or large corporate clients through dedicated account managers.
Callback requests can be made through online forms or by telephone, with a typical response window of several hours to one business day.
Unipol Gruppo was founded in 1962.
The founder is Cooperativa Unipol; the company is majority owned by Finsoe S.p.A.
The company is registered in Italy.
Unipol Gruppo originated as an insurance cooperative in 1962, expanded into banking and financial services, and became one of Italy’s largest insurance and financial groups with significant investments in digital transformation over the past decades, including digital payments and banking innovation.
Unipol has undergone several major updates, including acquisitions, integration with Unipol Banca, and digital rebranding in the early 2000s and 2010s.
The board includes Chairman Carlo Cimbri and other senior executives; the full roster is published in the governance section of the website.
Institutional investors include Finsoe S.p.A and various international investment funds; partnerships exist with insurance, banking, and fintech providers.
Unipol Gruppo S.p.A. is listed on the Borsa Italiana (Milan Stock Exchange) under UNI.
The market capitalization fluctuates; as of August 2025, it is approximately €5–7 billion, according to stock exchange data.
Subsidiaries include UnipolSai Assicurazioni, Unipol Banca, and other insurance and banking entities listed on the group website.
Unipol holds banking, insurance, and financial institution licenses from Italian and EU regulatory bodies.
Unipol operates officially in Italy and several EU countries via subsidiaries and cross-border EU financial passports.
Unipol does not publicly advertise cryptocurrency-specific licenses; most mainstream Italian financial groups do not currently support crypto.
The service complies with all EU and Italian AML/KYC regulations, including client identification and anti-fraud measures.
Standard financial security certifications such as PCI DSS are maintained; compliance info is provided in privacy and security policy sections.
Regular security audits are standard procedure for large providers and performed by both internal and third-party auditors.
Licensed banking and financial service providers insure client deposits up to amounts specified by Italian and EU law.
Compliance includes ISO 27001 (information security), PCI DSS (payment security), and EU GDPR (data protection).
Large groups routinely disclose any regulatory fines or violations; Unipol’s recent reports do not indicate major infractions.
Real user reviews are found on Trustpilot, Google Reviews, and Italian consumer forums such as Altroconsumo.
Common complaints include delays in claims processing, complexity of the website, and customer service wait times.
Positive feedback centers on reliable service, strong insurance coverage, and comprehensive financial products.
Withdrawal delays are uncommon but may occur during peak periods or with manual verification required.
Users report generally positive experiences, with some noting that recent digital upgrades have improved usability.
Transaction speed is satisfactory for most users, particularly for standard banking and insurer operations.
Recommendation rates are generally above 70% for banking and insurance products, based on consumer surveys and ratings.
Experts recognize Unipol’s reliability and prudent risk management, especially as a large, regulated financial group.
Unipol has received industry awards for digital transformation, customer service, and economic performance in Italy.
It is regularly ranked among the top Italian financial and payment service providers in industry publications.
Regulators note Unipol’s compliance with industry standards; official endorsements are rarely published but oversight reports are favorable.
Partners and merchants recognize the company as a reliable player with strong financial and technological resources.
Innovation is credited especially for digital customer services, fintech integration, and mobile banking.
Service quality certifications are held, including ISO and national regulatory certifications, detailed in public documents.
Unipol participates in European and Italian financial, payment, and fintech conferences as a major sponsor and speaker.
The company positions itself as a comprehensive insurance and financial group focused on digital innovation and client-centric solutions.
EUR (euro) is the primary supported currency; additional currencies may be available through partner banking services.
No direct cryptocurrency support is advertised; mainstream Italian financial groups typically do not enable crypto transactions.
There is no proprietary cryptocurrency or token associated with Unipol Gruppo.
Standard currency conversion is possible via banking partnerships, subject to compliance rules.
Exchange rates follow market data and European Central Bank references, with spreads applied per company policy.
Exchange rates are updated multiple times daily based on market fluctuations and central bank releases.
Stablecoins are not supported; Italian banking services generally restrict stablecoin and digital asset transactions.
Exotic currencies may be offered for international payments through corresponding banking networks and partners.
Currency usage is subject to Italian and EU regulations, with specific restrictions for sanctioned countries.
The service supports SEPA and SWIFT transfers, internal transactions, bill payments, and transfers to bank cards and accounts.
Peer-to-peer transfers are typically available within affiliated banking or insurance platforms.
Transfers to bank cards are supported via linked banking products and may require verification.
Transfers to bank accounts are standard and can be initiated through online and mobile banking.
Bill payment is supported via online channels, including utilities, telecom, government, and insurance premium payments.
Many financial services allow customers to set up recurring payments for regular bills and insurance premiums.
Automatic transfers can be scheduled for payments between accounts, third-party payees, and recurring bills.
Payment scheduling features are offered via online banking and account management portals.
Group payments and splitting functionality are typically provided for business or corporate clients, sometimes for retail users.
Payment link generation is increasingly available for merchant and business accounts, with sharing via email or messaging.
Minimum transaction amounts may vary; typically, small euro-denominated transfers start at €0.01.
Maximum amounts vary by client type and verification level; capped by anti-fraud and compliance rules, for example up to €50,000 daily.
Daily limits are set for security compliance and vary depending on account type and verification.
Monthly and annual limits differ by user type and service, with higher caps for verified and business accounts.
Limits can be increased upon client request, after identity verification and risk assessment review.
Verified users typically benefit from higher transaction limits and additional service features.
New accounts may have temporary transaction or transfer limits until full verification is completed.
Geographic limits are set per local regulations, especially for cross-border or high-risk regions.
Operations can be temporarily blocked for security checks, suspicious activity, or regulatory review.
There are reasonable transaction count limits for anti-fraud and regulatory compliance reasons.
Minimum funding requirements depend on method but typically start at €1–10 for standard payment types.
Funding options include bank transfers, direct debit, SEPA, cash at branches, and online card payments.
Fees for funding vary by payment method; fee schedules are posted in published pricing documentation.
Minimum deposits depend on method, commonly as low as €1 for online payments or higher for wire transfers.
Funds are credited immediately for card payments and within 1–2 business days for bank transfers, subject to processing times.
Withdrawals can be made via SEPA/IBAN bank transfers, cash at branches, or sometimes wire transfer.
Withdrawal fees may apply depending on method and account type; fee details are provided in the client agreement.
Withdrawals are processed usually within 1–2 business days for bank transfers; cash withdrawals are instant.
Withdrawal limits are based on account type, regulatory rules, and risk management; published in user agreements.
Card funding is credited immediately or within minutes, unless additional verification is required.
SEPA transfers typically take 1 business day; international SWIFT may require 2–5 days.
The service does not facilitate cryptocurrency transfers.
Internal transfers between users of the same platform are typically instant or near-instant, 24/7.
Funding via card may be instant, but bank transfers may be delayed until the next business day.
Public holidays may delay processing of funding and withdrawals until the next available business day.
Express crediting may be offered for certain services, often with a surcharge or premium fee.
Processing time is influenced by payment method, time of submission, verification, and third-party protocols.
Clients receive email, SMS, and/or app notifications about funding status, including confirmation and delays.
If funding is delayed, contact customer support, check transaction status online, and provide documentation if requested.
Withdrawal requests are handled within 24–48 hours for standard bank transfers.
Withdrawals to cards are typically not supported, as they are usually processed via bank accounts.
Bank transfer arrivals are normally within one business day for SEPA; longer for international payments.
The service does not process cryptocurrency withdrawals.
Weekend withdrawals may be delayed until the next business day for bank or wire transfers.
Express withdrawal options may be available for certain clients, often at an extra cost.
Processing time is affected by payment method, recipient bank, amount, and compliance checks.
Withdrawal status is provided through app, website, email, or SMS notifications.
Withdrawal cancellation policies allow for requests to be canceled if processing has not begun; contact support promptly.
Registration is done online, at branches, or through agents; users provide ID, contact, and financial details.
Personal information, government-issued ID, proof of address, and contact details are required.
Some banks/services allow alternative contact methods such as mobile number, but e-mail is generally required.
Phone number confirmation is often required for added account security during registration.
Users must be at least 18 years old to register for individual accounts with financial services.
Business accounts are available for corporate entities; additional documentation and verification are required.
Real, verifiable personal or company data must be provided for compliance and fraud prevention.
Registration is limited to residents of accepted jurisdictions according to regulatory policy.
Account activation usually takes from minutes to 1–2 business days after document submission and approval.
Common tiers include basic/user, advanced/verified, and business/corporate with differing access and transaction limits.
Basic verification requires government-issued ID and sometimes proof of address.
Full verification includes ID, address proof, income statement, and possibly business registration for corporate accounts.
Digital copies and scanned documents are widely accepted for identity verification and onboarding.
Verification typically takes from several minutes to a few business days depending on document completeness and workload.
Most features require at least basic verification; unverified users have restricted access to some operations.
Unverified users have lower limits on transactions, funding, and may be unable to withdraw funds fully.
Address verification is required for higher account tiers and for compliance with AML/KYC policies.
Sometimes a selfie with ID is needed for higher risk accounts or remote onboarding security.
Documents are updated upon expiry, major changes, or at periodic compliance intervals.
Common standards include SSL/TLS encryption for website and app data, plus AES for sensitive information.
Most financial services offer SMS, app, or email-based two-factor authentication for enhanced security.
SMS confirmations are widely used for high-risk transactions and account changes.
Biometric (fingerprint/Face ID) security is offered by many major mobile apps for login and verification.
Mainstream banking and insurance services rarely use blockchain technology for core payments or operations.
Multi-level security including encryption, firewalls, and layered authentication is standard in the sector.
Personal data is protected according to GDPR standards, with robust encryption and access controls.
Cryptocurrency-specific cold storage is not applicable; service does not handle user crypto assets.
DDoS protection is standard, including firewalls and anti-fraud monitoring systems.
Major services conduct regular internal and external security audits to maintain compliance and integrity.
Anti-phishing tools include email/website security checks and user education measures.
Automated and manual monitoring systems are implemented for suspicious activity and fraud prevention.
Systems are in place to monitor, detect, and report suspicious activities in accordance with AML laws.
Accounts showing suspicious activity may be temporarily or permanently blocked for investigation.
Users should contact support immediately, provide evidence, and follow instructions; investigations are initiated promptly.
Suspicious activity is reported via phone, online forms, or email to the compliance or fraud department.
Compensation policies vary; regulated services provide investigation and recovery procedures, but full compensation is not guaranteed.
Users have a right to dispute transactions through support channels, with investigation and refund procedures described in user agreements.
Blocked account disputes are handled through formal appeal, document submission, and review by support and compliance teams.
Some providers hold cyber insurance policies; details available in annual reports and regulatory disclosures.
Transfer fees depend on method, destination, and amount; fee schedules are posted by major providers.
Funding fees apply for certain methods, especially for card or urgent transfers; details in tariff documentation.
Withdrawals may incur fees, particularly for international or high-value transfers.
Currency conversion incurs spread and service fees, typically disclosed on the provider’s rates page.
Some providers charge monthly or annual inactivity fees; details are published in terms and conditions.
Account maintenance fees are charged for premium features or business accounts; standard accounts may be free.
Operation cancellation fees apply for late-stage reversals or manual processing.
Licensed services provide complete fee disclosure as required by law, accessible in terms or the tariff section.
Fees for large transactions are calculated as a flat or percentage rate, based on amount and service level.
Multiple pricing plans/tariffs for individuals, business, or VIP users are available.
VIP clients benefit from higher limits, priority support, dedicated account managers, and special rates.
Preferential terms may be obtained by request, based on account activity, volume, or status upgrade.
Free transactions may be included in personal, business, or VIP accounts; specifics listed in tariff plans.
Volume discounts or loyalty-based fee reductions are available for frequent or high-value users.
Corporate tariffs offer dedicated pricing, higher limits, and specialized account management for business clients.
Custom or negotiated terms are available for large or strategic clients after review.
Promotional codes for reduced fees and special offers are periodically made available to clients.
Cashback is offered on select transaction types or account tiers, credited monthly or quarterly.
Volume-based discounts are periodically offered to high-frequency or large-amount clients.
There is an official Unipol app for mobile banking and insurance services.
The app is available for iOS and Android devices via the Apple App Store and Google Play.
Key features: account management, transfers, bill payment, insurance claims, support, notifications.
Mobile apps may have slightly reduced feature sets compared to the full web platform, but core functions are included.
Mobile apps support biometric login including fingerprint and Face ID.
Most features require online connectivity, but some document viewing and notifications may work offline.
Push notifications for transactions, account changes, and offers are supported in the mobile app.
Dark theme is available in recent versions of Unipol’s mobile app.
Apps are updated several times per year with security, feature, and bug fixes.
Beta and early-access versions may be offered for selected clients or testers periodically.
Web interface design is generally modern and intuitive, supporting full account and payment management.
Responsive, mobile-friendly design is standard on Unipol’s updated web platforms.
The platform is available in Italian, with English and other European languages accessible for key sections.
Night/dark mode is supported for enhanced user comfort.
Some web platforms include keyboard shortcuts for navigation and common actions.
Users can export account data, transaction history, and statements in CSV, PDF, or Excel formats.
An API is available for business clients and tech partners; documentation is provided through the business portal.
Integration with third-party services including accounting, insurance, and payment platforms is supported.
The web platform undergoes quarterly to semi-annual updates, with major releases announced online.
Virtual cards are provided for online payments and security within associated banking products.
Disposable virtual cards for one-time use are sometimes available for business and premium clients.
Multi-currency functionality is available within select account tiers, mainly for business clients.
Investment management, insurance, and savings products are offered through the group and affiliated brands.
Interest is provided for savings and certain investment account balances.
Credit and lending products including loans and revolving credit are available from Unipol's banking services.
P2P trading of financial instruments is not a standard feature; focus is on insured banking and investments.
The service does not currently support cryptocurrency buying or selling.
Merchant acquiring and payment solutions are provided to business clients for in-person and online sales.
Bulk payment/payout options are available for corporate, payroll, and insurance claims settlements.
Loyalty and rewards programs, especially for insurance clients, are promoted periodically.
Bonus points are earned through transactions, account activity, and participation in special offers.
Cashback is credited for select payments and loyalty actions; detailed in promo documentation.
Referral programs offer bonuses or discounted fees when new clients join via invitation.
VIPs receive higher transaction limits, priority service, unique offers, and access to exclusive products.
Seasonal and special promotions are frequently released for product launches and client loyalty.
Premium account upgrades are available for qualifying clients upon request or volume verification.
Partner merchant and service discounts are periodically provided via special agreements.
Dedicated loyalty programs for business clients may include fee discounts and service incentives.
Operations with online casinos are restricted or monitored per Italian financial regulation.
Gambling transactions are subject to regulatory approval and may be blocked or require enhanced checks.
Accounts may be blocked for suspected or excessive gambling activity, depending on risk policies.
The service follows strict compliance regarding gambling, with risk controls and regulatory reporting.
Special terms for gambling may include enhanced due diligence and transaction monitoring.
Gambling transactions are tracked under AML and risk management systems.
Italian regulations require transparency; hiding casino transactions is not supported.
Clients may receive alerts or notifications for spending on gambling sites, depending on account settings.
Special fees may apply to gambling-related transactions, as listed in tariff documentation.
Spending limits for gambling are configurable on certain account types.
Self-exclusion for gambling transactions is offered in line with industry responsible gaming standards.
Account settings may allow restriction of payments to gambling sites for personal or compliance reasons.
Expense control tools for gambling may be available as part of responsible spending features.
Notifications are provided when personal or regulatory limits are exceeded on gambling transactions.
Transactions to casinos can be blocked upon client request or for compliance reasons.
Spending statistics and reports can be accessed for all account activity, including gambling.
Cooling-off periods for gambling transactions may be supported on request.
Resources for gambling addiction such as helplines and advice are referenced in client support materials.
Partnership with player assistance and responsible gaming organizations is standard for major Italian financial services.
Notifications can be configured in account management settings or support can assist with setup.
Acceptance is limited; major Italian casinos may support Unipol-affiliated bank transfers or cards.
No exclusive casino partnerships are publicly advertised by Unipol Gruppo.
Transaction conditions may vary by merchant policy and regulatory requirements.
Special casino payment bonuses are not typically associated with mainstream banking providers.
Direct deposit/withdrawal at casinos is rare; standard banking channels are preferred.
Italian regulation imposes geographic and merchant-specific restrictions for casino payments.
Standard banking transaction procedures apply, including verification and compliance checks.
Processing times match regular transfer speeds, usually 1–2 business days for withdrawals and instant for deposits.
Additional casino fees may apply depending on the specific merchant's policies.
Compatibility is generally strong with regulated Italian platforms; check with the merchant for specific requirements.