1 / 6

This number is indicative of the risk of the product, with 1/6 indicating low risk and 6/6 high risk.

Unicaja Banco, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions created by Royal Decree-Law 16/2011, of 14 October, covering a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, the equivalent in the relevant currency) per depositor and credit institution.

Risk score related to the account


Monthly remuneration¹

AER: 2.018%. The maximum average balance to be remunerated is €30,000.


No fees

No maintenance or administration fees, not even for making ordinary wire transfers².


Cashback on your bills³

Get up to €100 a year. If you get your salary directly deposited into your account, we reimburse you 1% of your main bills (water, gas/electricity and telecommunications).


Only for new online customers

This offer is only valid for new online customers. Join Unicaja and enjoy more exclusive benefits!


Fully online application

Opening the Unicaja Remunerated Online Account is very easy and can only be done online in six steps that will take you just a few minutes.


No need for a salary

No requirements at all, just for being a new Unicaja online customer.

Tarjeta de Débito de Unicaja

FEE-FREE Debit Card

Your online account comes with a debit card that is free from any issuance or maintenance fees which allows you to make your day-to-day purchases and withdraw debit cash from over 14,000 Unicaja ATMs⁴.

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    NO issuance fee
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    NO maintenance fee
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    Free debit cash withdrawals from over 14,000 ATMs

Cuenta online remunerada de Unicaja

Open your account fully online now in just a few minutes

We recommend you open the account on your mobile phone because the camera is surely better. You can start opening the account by scanning the following QR code with your mobile phone:

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    Fill in your personal information
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    Indicate your economic and tax activity
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    Confirm your identity through video identification by showing your identity document
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    Choose the branch where you will receive your card
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    Sign the documents that you will receive at your e-mail address

Join more than 4 million customers

Grab this chance and open an online account brimming with benefits that is free from any fees and which you can only open online in just a few minutes.

Do you already have your funds at other banks?


Bring your account to Unicaja easily and effortlessly

We take charge of it all, ranging from salary and pension payments to bills for basic services, taxes, rental payments and insurance premiums.


Open your online account at our bank, become a customer and benefit from the account transfer service, which is totally free.


Enjoy a hassle-free transition!

Why open a Unicaja Online Account?

Because we will put all our efforts into taking care of you and giving you the best possible service, and because we will help you take control of your finances and support you along every step of your financial life.

Privilegios únicos en Unicaja Banco

IKEA, MásMóvil, SICOR alarmas El Corte Inglés...

Our customers are entitled to unique privileges

Open your online account and enjoy discounts and sensational privileges at IKEA, Másmóvil, Yoigo, SICOR alarmas El Corte Inglés... You can even purchase an electric vehicle at a discount without waiting for delivery time scales.


Thanks to our agreements, you can get significant discounts on your Internet, mobile phone, alarm, etc. bills.

App Banca Digital de Unicaja

You'll love our Digital Banking service

Because it is easy-to-use, secure and facilitates day-to-day tasks, such as sending a Bizum, paying at shops, making a transfer, etc.


All this can be done on your mobile phone or computer and is always at your disposal.


Connect to your banks

Did you know that you can query your other banks on the Unicaja Digital Banking service?


Our innovative financial aggregator allows you to manage and query your accounts from Unicaja as if you were at your other banks.


Simply connect them through our Digital Banking service and view all your finances from a single place without having to access each bank separately. Moreover, this service is completely free.

Open an online account that gives you everything and does not ask you for anything in return

Because we will put all our efforts into taking care of you and giving you the best possible service, and because we will help you take control of your finances and support you along every step of your financial life.

FAQs of Remunerated Online Account

Do I need to have a salary to open my Remunerated Online account?

No, you don't because we will give you interest at an APR of 2% of your average monthly balance in the Remunerated Online Account as remuneration even if you do not have your salary directly deposited into it. The maximum balance to be remunerated is €30,000.

What requirements must I meet to open my Remunerated Online Account?

You must be over 18 years of age, reside in Spain and be a new customer to subscribe this account. Any natural person who has not had any Unicaja Banco service and/or product in the last 12 months will be deemed a "new customer".


This account is solely for the use of individuals and you must confirm this is the case. If you are self-employed, you may not use it for your professional affairs.

What does the cashback for directly debited bills consist of and how much money can I get?

If you directly debit your main bills (water, gas, electricity or telecommunications) to the Remunerated Online Account, you will obtain a 1% cashback of their amounts. These reimbursements will be paid into your account and can add up to at most €100 a year.

What does video identification consist of?

In order to be able to verify you are really you without requiring you to go to a branch, we perform a video identification process.


You just need to ensure that the device you are using to perform your Remunerated Online account's subscription is equipped with a camera. 


During the video identification phase you must show:

  • The front and back of your identity document.
  • To complete the process, we will record a video and take a selfie of you.

If I subscribe online, would I have the same terms and conditions as if I were to subscribe at a branch?

No, because the terms and conditions of this product package are exclusively meant for online subscriptions of the Remunerated Online Account and online transactions.


Haven't we convinced you yet?

Call us free of charge and we will clear up all your doubts. Customer service timetable from 8 a.m. to 10 p.m. Monday to Saturday (except national holidays).