Credit Accounts
The account that allows you to use your associated credit* for frequent expenses or payments.
- Two types of accounts: current or payment
- Fixed or variable interest rate
- Early repayment
- Total availability
short-term financing
we finance your BUSINESS projects
Commercial Discount
Advance* the collection of receipts, bills of exchange and other commercial instruments typical of your business activity.
- Advance on collection
- Fixed or variable interest rate
- Online consultation
- Collection management
Foreign Trade Facility
A line of credit* to tackle your foreign trade operations, with personalised limits and conditions.
- Financing for your operations
- Quick and instant
- Multi-Currency Option **
- Flexibility
Factoring
An administrative-financial service that manages your outstanding invoices and advances you the amount.
- Manage your outstanding invoices
- Advance on payment
- Greater security and guarantee
- More convenient
(*) Concession subject to the bank's discretion.
(**) The line is opened in euros but you may operate in any quoted currency. If the customer contracts a transaction in another currency, he or she may incur an exchange risk. To mitigate this, you can contract a forward or exchange insurance.
The forward is subject to MifidII and Priips (EU 1286/2014), but the regulation allows forwards to be treated as a form of payment when certain conditions are met (liquidation by physical delivery, when used for the payment of identifiable goods and outside the trading center by a non-financial company). Forwards that we enter into with clients are adapted to these conditions and thus are not considered derivatives.
key moments
Count on us for any decision
Taking control is easy
You started your company and things are going well. Now you only need to improve your management and get the right products and services to be more efficient.
Make your daily life easier
There are frequent tasks in your business that you can do easily anywhere and anytime on the Internet. Discover the potential of UniVía.
unicaja BANCO is also
Benefits of online banking
Online banking
Your branch, online. Consult and carry out all your banking operations without worrying about opening hours or queues.
Benefits of mobile banking
Mobile banking
Your Unicaja accounts and products always at hand. Anytime, anywhere.
See ATM and branch network
ATM and branch network
There's always a Unicaja branch and/or ATM near you to carry out your transactions.
CAN WE HELP YOU?
Our telephone support lines are open
Mon-Sat from 8 am to 10 pm non-stop..
901- and 902- service lines have special rates that may vary according to the telephone company. We recommend checking your telephone company for current calling rates for these numbers.