Split Payment Loan*

  • Up to €100,000. Apply for the liquidity you need to meet your tax obligations.
  • Up to three months with constant monthly principal and interest repayments.
  • Plan your accounts. Don't incur all your expenses at once. Finance your short-term payments and apply for this loan in each tax period if you need it.
  • Directly debit the payment at the time of filing the tax return and avoid late-payment surcharges.
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Credit Account*

The account that allows you to use the associated credit for frequent and extraordinary expenses of your business.

  • Flexibility
  • Fixed or variable interest
  • Early repayment
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Did you know that you can file your tax returns electronically on the Digital Banking service?

Pay and manage your taxes conveniently and quickly without any fees or the need to travel, along with the possibility of directly debiting your payments if you so wish.

From home, at no cost and without the need to travel

Manage your bills or taxes that have not been directly debited on the Digital Banking service.

Without any complications

You just need to have enabled an electronic signature or electronic National ID Card.

Direct debits

You can directly debit your bills to the account you want without having to leave home.

And if you directly debit your tax payments, you'll have everything under control and avoid late-payment surcharges

It's as simple as directly debiting the payment at the time the tax return is filed.


As a collaborating institution of the Spanish Tax Agency, Unicaja offers you the following services:

  • Electronic filing and payment of different tax returns to the AEAT (State Tax Agency), as well as filing Informative Returns (Forms 180, 182, 188, 190, 193, 198, 294, 295, 296, 345, etc.).
  • Payment of other taxes, such as settlements, self-assessment returns, special taxes and duties.
  • Reimbursement requests for Forms 303 and 308.
  • Query national tax payments made over the last three months, including: settlements, self-assessment returns, duties, etc.
  • Cancellation of national tax payments made on the same date.

Remember that it is important to keep all the documents related to your professional activity for at least five years.

What I must do to pay a tax on the Digital Banking service?

Log in to the website

You have to identify yourself with your username and password.

Select "Bills"

Choose the type of tax you wish to pay in the Bills area.

Fill in the data

Enter all the data included in the letter of payment (charge account, tax form, reference number, amount, tax period, etc.).

Confirmation of payment

Once the payment has been made, you will obtain a receipt or Complete Reference Number (NRC) of the taxes from the AEAT (State Tax Agency).

Frequently Asked Questions about Tax Financing

The amount of the Split Payment Loan can be used to pay the following taxes your business is subject to:

  • Company and self-employed workers' VAT.
  • Personal Income Tax withholdings on account.
  • Corporation Tax split payments.

You can apply for a Split Payment Loan in each tax period and renew the Credit Account.

No, you cannot. It is only possible to apply for these products if the tax payment is made through the account you hold at Unicaja.

No, you don't. You can benefit from this service at no cost at all just because you are a Unicaja customer.

The small print, in capital letters

(*) Approval subject to the Bank’s criteria.

Can we help you?

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You can also contact the Bank by calling at 952 60 67 67 or through the contact form.

The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

You can also contact us by:

ATMs and offices
Help and contact

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