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

Cuenta online SIN comisiones de Unicaja Banco

SIN Online Account No Fees

No maintenance, administration or ordinary wire transfer fees².

Remuneración Mensual de Unicaja Banco

Monthly remuneration¹

AER in the first year: 1.00% and 2.01% if you directly deposit your salary. AER in subsequent years: 0.50% and 0.50% if you directly deposit your salary. The daily maximum balance to be remunerated: €30,000.

Cashback de recibos de Unicaja Banco

Cashback of bills

If you have your salary directly deposited into your account, you will get a 1% cashback (reimbursement) of your main bills. Up to €100 a year.

Banca Digital de Unicaja Banco

Just with your mobile phone, without moving from home

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    Fully online subscription in just a few minutes.
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    You will be able to pay with Bizum, make transfers and direct debits…
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    You will be able to check all your accounts on your Digital Banking service.

Tarjeta Débito Gratuita de Unicaja Banco

Free debit card

No issuance or maintenance fees. Withdraw debit cash free of charge from over 14,000 ATMs³.

Remuneración Cuenta de Unicaja Banco

Examples of account remunerations

Directly depositing my salary

Anna has a salary of €1,300 a month directly deposited into her account and a daily balance in her FEE-FREE Online Account of €30,000 for two years. In the first year, she receives a remuneration of 2% on a month-to-month basis: €50. Her remuneration will be 0.5% as from the second year: €12.5 a month.

Without directly depositing a salary

John maintains a daily balance in his FEE-FREE Online Account of €30,000 for two years but has not had his salary deposited directly into his account. In the first year, he receives a remuneration of 1% on a month-to-month basis: €25. He will receive a remuneration of 0.5% as from the second year: €12.5 a month.

How do I subscribe the Remunerated FEE-FREE Online Account?

The Unicaja Banco Remunerated FEE-FREE Online Account is only for new customers. Opening it is very easy and will take you just a few minutes:


Personal information

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


Economic activity

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.


Video identification

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.


Branch and cards

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.


Sign the contracts

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.

Did you know that you can query your other banks from Unicaja Banco?

Thanks to our innovative financial aggregator, you can use your Unicaja Banco Digital Banking service to query products at your other banks and even make transactions as if you were using their digital banking services, such as wire transfers. Convenient, isn't it? You therefore don't have to switch apps or log in to each of your bank's websites.

FAQs of Remunerated FEE-FREE Online Account

Do I need to have a salary to open my FEE-FREE Online account?

No, you don't because we will give you 1% interest in the first year as remuneration even if you do not have your salary directly deposited. This will be 0.5% interest as from the second year. The maximum balance to be remunerated is €30,000.

What remuneration will I get if I directly deposit my salary into my Remunerated FEE-FREE Online Account?

If you directly deposit your salary or pension for an amount exceeding €1,200 when you open your Remunerated FEE-FREE Online Account, you will obtain 2% interest on your balance as remuneration in the first year. You will receive said interest each month and, after the first year has passed, you will obtain 0.5% interest in subsequent years. The maximum balance to be remunerated is €30,000.

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

You must be over 18 years of age, reside in Spain and be a new customer to subscribe this account. Any person who has subscribed any Unicaja Banco service and/or product in the last 12 months will not 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 is the cashback for directly debited bills and how much money can I get?

If you directly debit your main bills (water, gas, electricity or telecommunications) to the Remunerated FEE-FREE Online Account, you will obtain a 1% reimbursement (cashback) of their amounts. These reimbursements will be paid into your account and can add up to €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 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, porque las condiciones de este paquete de productos son exclusivas para contratación de la Cuenta Online SIN Remunerada y las operaciones online.

Do you need any help? Call us

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

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.