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


No fees

No maintenance, administration or ordinary wire transfer fees1.

(APR of 0% and AER of 0%)


Free debit card

In addition, you can make debit cash withdrawals at over 18,000 ATMs free of charge2.


No need to have your salary paid directly into your account

You decide if you want to have it deposited at our institution.

How do I subscribe the Sin Online Account?


If you aren't a Unicaja Banco customer yet, you can open your online account in just a few minutes without having to move from the sofa:



You will have to complete a brief form with your contact data and create a login password to your new Digital Banking service.



We will ask you to inform us about your economic and tax activity. We will also ask you to verify your mobile telephone number in this step.



You will have to confirm your identity through video identification by showing your identity document. We recommend you do so by using your mobile phone's camera in a well-lit place without anyone else nearby.



You will have to choose your branch and where you want to receive the debit and coordinates cards.



You will receive an e-mail containing pre-contractual documents and the contract's General Terms and Conditions. Read them carefully and call us before subscribing if you have any doubts.



If you are in agreement with the documents you have received, follow the steps to sign the different contracts. You will receive a signed copy at your e-mail address.

Abrir Cuenta Online Sin

And everything on the mobile phone

Your Digital Banking service allows you to make all your financial transactions without having to move from the sofa, including: wire transfers, paying a bill, sending a Bizum…
You can make any transaction you want on the Unicaja Banco app wherever you may be. Press play and find out!

Do you need any help? Call us

We offer personalised attention from 8 a.m. to 10 p.m. Monday to Saturday (except holidays).

FAQs of SIN Online account

What requirements must I meet to subscribe my SIN Online account?

You must be over 18 years of age and reside in Spain to subscribe this account. You must also confirm that you will use this account for your own personal use; in other words, that you will not use it for your economic activity if you are self-employed. Companies may not subscribe this account.

Can I open my SIN Online Account with a passport?

Yes, it is possible to open a SIN Online Account with a passport.

Do I need to have a salary to open my SIN Online Account?

No, you no don't need to have your salary deposited into your account to subscribe a SIN Online Account.

What will I need during SIN Online account's subscription process?

The first thing you should take into account is that the device you intend to use to perform the subscription must be equipped with a camera.  

You should also have your valid identity document, your e-mail address and your mobile phone at hand.

Remember that a mobile phone camera tends to have better resolution, thereby making the process more convenient for you.

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 online account's subscription is equipped with a camera. 


During this video identification, you will have to show:

  • The front side of your identity document. 
  • The back side.
  • Lastly, we will take a photo and a video of you.


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

No, you wouldn't. The terms and conditions of this set of products are exclusively meant for online subscriptions.

Electronic 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: 900 151 948 or 952 07 62 63.


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 Banco 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.

For Unicaja Banco S.A., the holder of the web page, it is important to adapt to your tastes and preferences, for which we use own and third-party cookies, that gather connection data that may be linked to your registration user name, the purpose of which is to measure traffic and user interaction with the web page, to help to improve operation of the web content, as well as the services and products offered, preparing behaviour profiles, while always protecting your privacy. You may transparently choose the configuration that suits you best, without that causing any change in your usual operations.