See all results

Menu

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

  • icono-check-circle
    Fully online subscription in just a few minutes.
  • icono-check-circle
    You will be able to pay with Bizum, make transfers and direct debits…
  • icono-check-circle
    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.

Open Online Account
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:

01_number

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.

02_number

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.

03_number

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.

04_number

Branch and cards

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

05_number

Documents

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.

06_number

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.

Open Online Account

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.

Find out about Your Banks With You

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).

900 151 948
952 076 263

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.

Informative documents

Easy-to-read small print:

Remunerated FEE-FREE Online Account Terms and Conditions:

This offer is only valid for new customers who are natural persons and for new FEE-FREE online accounts opened as of 6 March 2023. Limited to the first 5,000 online subscriptions. For this purpose, any person who has subscribed any Unicaja Banco service and/or product in the last 12 months will not be deemed a "new customer".

(*) Monthly direct debit: A monthly cashback of 1.00% of the sum of all directly debited bills charged in the settlement period will be given up to a maximum limit of €100 a year. Only water, electricity, gas and telecommunications bills will be calculated for this purpose.


(1) Monthly remuneration.

Directly depositing salary or pension: The main holder customer must directly deposit a salary or pension for an amount equal to or greater than €1,200 a month. Salaries or pension that are currently directly deposited are not allowed. Only one Remunerated FEE-FREE Online Account per customer is allowed. It is not compatible with other direct debit promotions.
In the twelve months following that in which the account is opened, an APR of 2% (AER of 2.01%) will be applied and, as from the second year, an APR of 0.50 (AER of 0.50%) will be applied. The maximum Remunerated FEE-FREE Online Account balance to be remunerated is €30,000. Monthly settlement of interest. Example: AER calculated for a constant daily balance of €30,000 during two years. The gross interest amounts to €50 a month or €600 a year in the first year and to €12.50 a month or €150 a year in the second year.

If a salary or pension is not directly deposited into account, an APR of 1.00% (AER of 1.00%) will be applied in the first year. As from of the second year, an APR of 0.50% (AER of 0.50%) will be applied. The maximum account balance to be remunerated is €30,000. Monthly settlement of interest. Example: AER calculated for a constant daily balance of €30,000 during two years. The gross interest amounts to €25 a month or €300 a year in the first year and to €12.50 a month or €150 a year in the second year.

In order to calculate the AER, Observation c), Annex 7 of Bank of Spain Circular No. 5/2012 has been taken into account, by virtue of which a year is deemed to have 365 days (366 days in the case of leap years), 52 weeks or twelve normalised months. A normalised month has 30.41666 days (in other words, 365/12), regardless of whether or not the year in question is a leap year.

The account's remuneration is subject to taxation and deemed for tax purposes as income from moveable capital obtained from the transfer to third parties of one's own capital according to Article 25(2) of Act 35/2006 on Income Tax which is in force.

UNICAJA BANCO shall make an income tax withholding on account according to Article 74(1) of the Income Tax Regulation and pay it on the beneficiary's behalf, without passing on such cost to the customer. Any tax-related repercussions that obtaining the incentive may have on the beneficiary's tax liability shall be on the beneficiary's account and UNICAJA BANCO shall therefore be held harmless from any liability thereof.


(2) No fees on any ordinary euro-denominated wire transfers made through online channels in the SEPA area (within Spain or destination countries within the Common European Area).

(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 Banco 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 Banco ATMs and additionally withdrawals as from €120 at any ATMs belonging to the EURO 6000 network, Banco Sabadell, Bankinter, Caja de Ingenieros, Arquia Banca, Euronet and ING 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 Banco ATMs and additionally withdrawals as from €120 at any ATMs belonging to any network in: Huelva and Seville.

    Valid until 31 December 2023. The fee will always be displayed prior to the cash withdrawal so you can either accept or cancel the transaction.  Without any minimum amount for Max Joven and Max Junior cards. 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 Spanish networks: The fee set by the institution that owns the ATM.

  • Terms and conditions for cash withdrawals from foreign networks: 4.00% (minimum of €3.50)

 

View ATM map

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.