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)
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