Hasta 250€
Por contratar nuestra cuenta online, con un 1,25% TAE hasta un saldo máximo de 20.000€.
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
Online Account
Conseguir hasta 900€ el primer año.
Y no pagar comisiones... tan normal como ser cliente de Unicaja con tu Requetecuenta Digital.
Only for new customers!
Up to June 30, 2026.
Hasta 450€
Por domiciliar tu nómina o pensión igual o superior a 1200€. O llévate hasta 350€ para nóminas o pensiones a partir 600€.
Hasta 200€
Por traer tus recibos, te devolvemos el 1% del importe de los recibos básicos domiciliados y cargados en la cuenta durante cada mes.
1
of
Mensual interest payments
1.25% AER1 the first year.
Maximum average balance to be paid is €20,000.
From the second year, 0.00% AER.
No fees
This account has no maintenance or administration fees, not even for making transfers².
Cashback on your bills
Get up to €200 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 customers
This offer is only valid for new customers and digital. Join Unicaja and enjoy more exclusive benefits!
Fully digital application
Opening the Online Account is very easy and can only be done digitally in six steps that will take you just a few minutes.
La tarjeta que quieres para tu día a día
Your Online Account comes with a debit card3 which allows you to make your day-to-day purchases and also...
- No issuance fee.
- No maintenance fee.
- Free debit cash withdrawals from over 14,000 ATMs.
Open your account fully digital now in just a few minutes
We recommend you open the Online 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:
- Fill in your personal information.
- Indicate your economic and tax activity.
- Confirm your identity through video identification by showing your identity document.
- Choose to receive the card at your home or at the office of your choice.
- Sign the documents that you will receive at your e-mail address.
And having your account at Unicaja offers you yet more benefits:
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Uni Insurance Plan to pay for your insurance policies4 monthly, conveniently and at no additional cost (AER of 0.00%)5.
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Bizum to send and receive money instantly.
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Over 14,000 ATMs for free3 debit cash withdrawals.
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Digital Banking service so you can operate from anywhere at all without any worries.
Extra benefits with your online account
With your online account and salary paid directly into your account, you have access to an authorised overdraft facility6 for up to €500 when your balance reaches zero. This service allows you to use more money than you have available at that moment. Great for dealing with any unforeseen events.
Plus, if your salary has been paid into your online account for at least six months, you can get an advance7 on your salary for any upcoming plans.
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!
IKEA, Vodafone, SICOR alarmas El Corte Inglés...
Our customers are entitled to unique benefits
Open your online account and enjoy discounts and sensational benefits at IKEA, Vodafone, Octopus Energy, 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.
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.
If you directly debit your main bills (water, gas, electricity or telecommunications) to the 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 €200 a year.
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 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.
Si tu nómina o pensión es igual o superior a 1.200 €, el incentivo monetario es de 450 € y para el tramo de nóminas entre 600 € y 1.199 € será de 350 €.
(1) La presente oferta se dirige exclusivamente a personas que no hayan mantenido ningún producto o servicio contratado con Unicaja durante los últimos doce meses, pudiendo abrirse únicamente una cuenta por persona. Durante el primer año, y siempre que se mantenga un saldo medio constante de 20.000 €, se devengarán 250 € brutos al año en concepto de intereses, aplicándose un tipo del 1,2572 % TAE (1,25 % TIN), sin comisiones de mantenimiento ni administración. Transcurrido dicho periodo, la rentabilidad será del 0,00 % TAE (0,00 % TIN), sin generación de intereses. La liquidación de intereses se efectuará con periodicidad mensual y estos tributarán como rendimientos del capital mobiliario conforme a la normativa vigente. La oferta permanecerá vigente hasta el 30 de junio de 2026. Igualmente, quedarás exento del pago de comisiones de mantenimiento, administración y de las transferencias estándar e inmediatas en euros entre cuentas de pago de clientes de la zona SEPA realizadas a través de la Banca Electrónica, Banca Móvil o cajeros de Unicaja, quedando excluidas de esta exención las órdenes de movimientos de fondos (OMF) tramitadas a través del Banco de España. Asimismo, estará disponible hasta el 30 de junio de 2026 una promoción dirigida a nuevos clientes que domicilien una nómina o pensión igual o superior a 600 € netos mensuales, o la cuota de autónomos igual o superior a 50 €, siempre que no hayan mantenido una domiciliación en Unicaja en los últimos doce meses. Dicha promoción contempla un incentivo de 283,50 € netos para nóminas o pensiones comprendidas entre 600 € y 1.199 €, y de 364,50 € netos para aquellas iguales o superiores a 1.200 €, así como para quienes domicilien su cuota de autónomos, todo ello conforme a las bases que puedes consultar aquí. La adhesión a esta promoción exige la firma de un compromiso de permanencia de veinticuatro meses y el cumplimiento de las condiciones en un plazo máximo de tres meses. Los importes percibidos tendrán la consideración de rendimientos del capital mobiliario y estarán sujetos a tributación. Adicionalmente, se aplicará la devolución del 1% del importe total de los recibos domiciliados y cargados en la cuenta durante cada periodo de liquidación mensual, con un límite de 200 € brutos anuales, computándose exclusivamente los correspondientes a suministros de agua, gas, luz y telecomunicaciones. Esta bonificación no será acumulable a otras promociones de naturaleza similar y su importe estará igualmente sujeto a tributación como rendimiento del capital mobiliario conforme a la normativa vigente.
(2) Exemption from transfer fees for standard and immediate euro-denominated transfers between payment accounts of customers located in the SEPA made on the Unicaja Electronic Banking service, Mobile Banking service or its ATM network. Fund Movement Orders (FMOs) made through the Bank of Spain are excluded from this exemption.
(3) Debit card without any issuance or maintenance fees. Debit cash withdrawals without any fees for using the card at ATMs belonging to the following networks at these provinces:
- At all Unicaja ATMs in: Cádiz, Málaga, Almería, Jaén, Ciudad Real, Albacete, Cuenca, Toledo, Cáceres, Salamanca, Ávila, Zamora, Valladolid, Soria, Palencia, León, Asturias, Cantabria, Ceuta and Melilla.
- At all Unicaja ATMs and additionally withdrawals as from €120 at any ATMs belonging to the EURO 6000 network, Banco Sabadell, Bankinter, Caja de Ingenieros, Arquia Banca and Euronet in the following provinces: La Coruña, Lugo, Orense, Vizcaya, Guipúzcoa, Álava, Navarra, Burgos, La Rioja, Huesca, Lleida, Girona, Barcelona, Zaragoza, Segovia, Madrid, Guadalajara, Teruel, Tarragona, Castellón de la Plana, Baleares, Valencia, Alicante, Murcia, Granada, Córdoba, Badajoz, Santa Cruz de Tenerife and Las Palmas.
- At all Unicaja ATMs and additionally withdrawals as from €120 at any ATMs belonging to any network in: Huelva and Seville.
Valid until 31 December 2026. The fee will always be displayed prior to the cash withdrawal so you can either accept or cancel the transaction. Three debit cash withdrawals per card and month without any minimum amount with Young Debit cards. EURO 6000 institutions include: Abanca, Novo Banco, Ibercaja, Kutxabank, Cajasur, Evo Banco, Cecabank, Caja de Ontinyent, Colonya Caixa Pollensa and Cardtronics.
- Terms and conditions for cash withdrawals from other domestic, Euro Zone, Swedish and Romanian networks: 100% of whatever the owner of the ATM charges Unicaja Banco for the withdrawal.
- Terms and conditions for cash withdrawals from foreign networks: 4.00% (minimum of €3.50)
(4) Temporary renewable annual, multi-year or single-premium insurance taken out with Unicorp Vida (accident or life-risk insurance), Caser (car, health, dental, multi-risk home, payment protection, pet, hunting, comprehensive rental, funeral or accident insurance), Santa Lucía (funeral insurance) and/or Unión Duero Vida (life-risk insurance) mediated through Unicaja Mediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unicaja Mediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros. The insurance policies' coverage is subject to the General and Specific Terms and Conditions of the policies taken out.
(5) Credit meant for consumers who are natural persons solely for the payment of their insurance premiums. Terms and conditions valid until January 31, 2027. Nominal annual interest rate: 0.00%. AER: 0.000%. Based on a typical example of a Uni Insurance Plan credit of €1,500.00 granted, the total amount of which has been drawn down as of the first day the contract is in force with a regular fixed monthly repayment method over twelve months, in which the customer would pay twelve monthly instalments of €125.00, the total amount owed being €1,500.00. The existence of further drawdowns from the Uni Insurance Plan credit in this period or payment incidents are not envisaged in this example. Multi-year or single premium policies can be financed for 12 months or up to the single-premium period for at most 36 months.
(6) The authorised overdraft will be granted where there have been salary payments meeting the required amount over the course of three consecutive months.
(7) Granting subject to the institution's criteria.
Online subscription terms and conditions
You can get in touch with us on the following numbers to correct any mistakes made when entering the data during the process: 900 15 15 16 or 952 60 67 67.
Once the contract has been entered into, the documents will be stored in our systems. You can exercise your rights of access, rectification, elimination, objection, restriction to processing and portability, as well as not to be subject to automated decision-making and profiling, by sending written notice thereof to the Unicaja Customer Service Office, which is located at Avenida de Andalucía, 10-12, Malaga (Post Code: 29007), or by sending an e-mail to atencion.al.cliente@unicaja.es.
The contract will be entered into in Spanish.
The contract must be signed on the same day as we place it at your disposal on the signature platform, otherwise the subscription process will expire.