UniCredit Bank Email Virus

Also Known As: UniCredit payment notification virus
Type: Trojan
Distribution: Moderate
Damage level: Severe

"UniCredit Bank Email Virus" removal guide

What is "UniCredit Bank Email Virus"?

Cyber criminals use the "UniCredit Bank Email Virus" scam to trick recipients of bogus emails into infecting their computers with a malicious program called FormBook. They proliferate an email that contains a malicious attachment that, once opened, causes the computer infection. This email is presented as a notification from UniCredit Bank, however, this is simply a scam and it should not be trusted or taken seriously. We strongly recommend that you ignore it.

UniCredit Bank Email Virus

UniCredit is a financial services company, a legitimate Italian banking company, which has nothing to do with this email scam. Cyber criminals (scammers) often use well-known company names and present the email as a notification regarding confirmation of payment by SWIFT Copy. Recipients are encouraged to check for further information by checking the included attachment. In the screenshot above, the attachment is a "MT103.doc" file, however, other examples can be found below. Cyber criminals who proliferate the "UniCredit Bank Email Virus" scam attach documents with different names and content, however, all attachments proliferate the same FormBook computer infection. FormBook is high-risk computer infection, a malicious program that is distributed mostly through spam emails such as this one. The FormBook tool is used by many cyber criminals to monitor computer activity and record data. It is capable of recording keystrokes, taking screenshots, and collecting other data such as saved passwords, logins, visited websites, and so on. Some of the data might contain personal details such as banking information. Cyber criminals use these tools to target data/information that can be used to generate revenue. Therefore, having these programs installed can lead to various problems, including financial loss and other computer infections such as ransomware. Therefore, we strongly recommended that you ignore emails such as "UniCredit Bank Email Virus". More importantly, do not to open attachments presented within these emails.

Threat Summary:
Name UniCredit payment notification virus
Threat Type Trojan, Password stealing virus, Banking malware, Spyware
Symptoms Trojans are designed to stealthily infiltrate victim's computer and remain silent thus no particular symptoms are clearly visible on an infected machine.
Distribution methods Infected email attachments, malicious online advertisements, social engineering, software cracks.
Damage Stolen banking information, passwords, identity theft, victim's computer added to a botnet.
Malware Removal (Windows)

To eliminate possible malware infections, scan your computer with legitimate antivirus software. Our security researchers recommend using Malwarebytes.
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This is just one of many email scams that proliferate high-risk computer infections. Other similar scams include "Love Letter", "Y.E DESIGN", "UNILEVER", and many more. Examples of computer infections spread using these spam campaigns are Adwind, LokiBot, TrickBot, and Emotet. The main aim of scammers behind these emails is to infect as many computers as possible and to generate revenue by stealing personal, sensitive information.

How did "UniCredit Bank Email Virus" infect my computer?

An example of a possible attachment are .doc files (Microsoft Office documents). To infect computers, these attachments must first be opened. Note that Microsoft Office has implemented "Protected View" mode, which can protect systems from infiltration of viruses. When a document is opened, rogue attachments asks permission to enable editing or macros commands. If they are enabled, the rogue document will have permission to download and install a malicious program - in this case, FormBook.

How to avoid installation of malware?

To avoid computer infections, deal with received emails carefully, especially if they are received from unknown, suspicious/irrelevant addresses or contain attachments (or website links). These emails should be studied before opening any attachments. Bear in mind that cyber criminals often use well-known company names to present these emails as legitimate, or they make offers to win prizes. Download, install and update software using official tools/sources. Many third party tools (such as downloaders, peer-to-peer networks, and so on) should not be trusted and are used by cyber criminals to proliferate computer infections. Avoid using software cracking tools, since this is illegal and risks computer infections. Cyber criminals often use these tools to install malicious programs rather than activating licensed software or operating systems. Have reputable anti-virus or anti-spyware software installed and running - these tools can prevent malicious programs from infecting computers by detecting and removing them. If you have already opened a "UniCredit Bank Email Virus" attachment, we recommend running a scan with Malwarebytes for Windows to automatically eliminate infiltrated malware.

Text presented in the "UniCredit Bank Email Virus" email message:

Subject: Payment Swift Copy Notification From UniCredit Bank S.p.A

TRANSMISSION: MT103 Single Customer Credit Transfer Copy.
Attention: Customer
Attach below is the final payment as instructed by your customer to forward a copy to you. For further information check with the swift copy attached below.
Thank you.
Piero Munari
Head of Group Swift Relations

UniCredit Bank S.p.A
Piazza Gae Aulenti 3 – Tower A
20154 Milano
Tolfree +39 01 736 7363
Phone +39 02 882 6216
Fax +39 02 884 6215
Website www.unicreditgroup.eu
Email: Piero.Munari@unicreditgroup.eu
The Information contained and transmitted by this E-MAIL is proprietary to UniCredit Bank S.p.A and/or its Customer and is intended for use only by the individual or entity to which it is addressed, and may contain information that is privileged, confidential or exempt from a disclosure under applicable law.
If this is a forwarded message, the content of this E-MAIL may not have been sent with the authority of the Bank. UniCredit Bank S.p.A shall not be liable for any mails sent without due authorisation or through unauthorised access.

Few examples of malicious attachments distributed via "UniCredit Bank Email Virus" spam campaign:

malicious attachment distributed via UniCredit email virus 1 malicious attachment distributed via UniCredit email virus 2 malicious attachment distributed via UniCredit email virus 3

Appearance of a UniCredit Bank-themed spam email (written in Italian language) used for phishing purposes:

UniCredit bank phishing email

Text presented within:




Gentile cliente, -


la tua carta di credito non potrà più essere utilizzata per acquisti
e-commerce su siti sicuri  (che richiedono la digitazione di una password
per completare l'operazione).


Si prega proprio di aggiornare i suo dati UniCredit Pass per ripristinare
Clicca sul seguente link per aggiornare le tue dati per ripristinare
l'operatività :




Possible motivo: molte voci errate tua password numero di conto sulla carta
o la data di scadenza per l'acquisto o un acquisto precedente.


Co i nostri cordiali saluti,
Divisione retail desk Unicredit


Screenshot of a fake UniCredit website (unicreditprivati-it[.]com) promoted via this email:


Fake UniCredit Bank website used for phishing purposes


Instant automatic malware removal: Manual threat removal might be a lengthy and complicated process that requires advanced computer skills. Malwarebytes is a professional automatic malware removal tool that is recommended to get rid of malware. Download it by clicking the button below:
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How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Malwarebytes for Windows. If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

malicious process running on user's computer sample

If you checked the list of programs running on your computer, for example, using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1 Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

screenshot of autoruns application

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup. Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings". Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Windows 8 Safe Mode with networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options". In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

windows 10 safe mode with networking

Video showing how to start Windows 10 in "Safe Mode with Networking":

manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

extract autoruns.zip and run autoruns.exe

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck the "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Click 'Options' at the top and uncheck 'Hide Empty Locations' and 'Hide Windows Entries' options

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

locate the malware file you want to remove

After removing the malware through the Autoruns application (this ensures that the malware will not run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, be sure to remove it.

searching for malware file on your computer

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs. These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software.

To be sure your computer is free of malware infections, we recommend scanning it with Malwarebytes for Windows.

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About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for pcrisk.com since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

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Malware activity

Global malware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

QR Code
UniCredit payment notification virus QR code
A QR code (Quick Response Code) is a machine-readable code which stores URLs and other information. This code can be read using a camera on a smartphone or a tablet. Scan this QR code to have an easy access removal guide of UniCredit payment notification virus on your mobile device.
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