(*) Promotion valid for the first 10,000 new Unicaja customers aged between eighteen and twenty-seven years who meet the terms and conditions from 20 February to 20 May 2026.  "New customers" shall be construed to mean any individuals who have not acquired any kind of Unicaja product or service in the last 12 months. The in-kind incentive valued at €90 will be handed over to the customer over the course of three months at the amount of €30 per month. Incentive not refundable in cash. Voucher code validity: until 15 October 2026 (redemption and use). In-kind incentive not subject to any personal income tax withholding or payment. Consult the rules here.

(1) This offer is solely aimed at people who have not had any Unicaja product or service in the last twelve months. Only one account per person may be opened. A gross annual amount of €250 will accrue as interest in the first year at an AER of 1.2572% (APR of 1.25%) without any maintenance or administration fees, provided a constant average balance of €20,000 is kept. Once this period has elapsed, the return will amount to an AER of 0.00% (APR of 0.00%) without accruing any interest. Interest will be paid on a monthly basis and taxed as investment income in accordance with prevailing legislation. The offer will remain in force until 30 June 2026. You will likewise be exempted from paying any maintenance and administration fees, as well as from standard and immediate wire transfer fees for any euro-denominated transfers made between customer payment accounts in the SEPA through the Electronic Banking service, the Mobile Banking service or Unicaja ATMs. Fund movement orders (OMF) processed through the Bank of Spain are excluded from this offer. In addition, a promotion will remain in force until 30 June 2026 for new customers who get a salary or pension of a net monthly amount equal to or greater than €600 paid directly into their account or who directly debit self-employed social security contributions equal to or greater than €50, provided they have not been directly paid or directly debited at Unicaja in the last twelve months. This promotion envisages an incentive totalling a net amount of €283.50 for any salaries or pensions between €600 and €1,199, or a net amount of €364.50 for those which are equal to or greater than 1,200€, as well as for customers who directly debit their self-employed social security contributions, all of which will be according to the rules which may be consulted here. Joining this promotion requires signing a twenty-four-month permanence commitment and meeting the terms and conditions within at most three months. The amounts received will be deemed as investment income and subject to taxation. In addition, a 1% refund of the total amount of directly debited bills that are charged to the account in each settlement period will be applied with an annual limit of €200. Only water, gas, electricity and telecommunications bills will be counted for such purpose. This bonus may not be combined with other promotions of a similar nature and its amount will also be subject to taxation as investment income according to prevailing legislation.

(2) Unicaja Debit Card. Issuance fee of €0. Annual maintenance fee of €24.

(3) Only people aged under 28 may sign up for a Mastercard Youth Contactless Debit Card. Maintenance fee: €0 per year. Issuance fee: €0.

(4) The foreign exchange payment fee will be included by increasing the purchase amount and subsequently, in the case of face-to-face purchases, this fee will be refunded with a credit to the customer's account.

(5) Granting of our mortgages is subject to the institution's criteria. Mortgage for home purchases by natural persons who reside in Spain having income or wealth solely in euros.

(6) IKEA Benefit: Exclusive offer for Unicaja customers who have a current mortgage, loan, credit card or life insurance with the institution and who make purchases on the IKEA online store (www.ikea.es). Customers must prove their eligibility by means of their username and login password to the Unicaja Digital Banking service. A 5% discount will be applied on the price of any product purchases from €80 (excluding from said amounts decoration advice, assembly, transport and installation services). The discount will automatically be reflected on the IKEA online store shopping cart. For any product purchases exceeding €500 (excluding from said amount decoration advice, assembly, transport and installation services), a 5% discount on the price of said products will be applied in addition to a free personal designer service. Both promotions will automatically be reflected in the shopping cart on the IKEA online store. The cost of the decoration project amounts to €59 and must be paid in advance, subsequently discounting said amount of €59 when a purchase exceeding €500 is made. These offers will be applicable to two independent uses or purchases (of either type) per customer made as indicated above until December 31, 2026. This offer will be valid for any purchases made on our portal and on the IKEA.ES online store until December 31, 2026. This offer does not apply to physical stores. Shipments to the Balearic Islands, the Canary Islands, Ceuta and Melilla are excluded from the offer.

Products marketed by IKEA IBÉRICA, S.A.U. with VAT Registration Number A28812618 and registered office at Avda. Matapiñonera 9, San Sebastián de los Reyes, Madrid.