Professional Zero-Fee Plan (Self-Employed)

With us you are choosing a relationship of trust without fees

Request a Professional Zero-Fee Plan (Self-Employed)

Accounts

Your accounts without any maintenance or administration fees¹, except for Flat Rate or Comfort accounts.

Card or POS

Your professional credit cards linked to the associated card contract that is designated or wireless mobile (GPRS, Bluetooth, Wi-Fi or Virtual) linked POS terminal without any maintenance fees².

Online transfers

Make all the transfers you need without paying a fee³.

Cheque negotiation and clearance

You won't pay any fees⁴for depositing cheques into your account.

Certificates

And now, in addition, requesting your most usual certificates⁵ is free from any issuance fees.

Plan Cero Profesional (Autónomos) de Unicaja

The best plan for your business

Carry out your most common services at no cost

There's a simple way to avoid any fees associated with your business's cash management. You must join Unicaja, use your card or POS and meet the other conditions detailed in the requirements section. This will allow you to enroll in the Professional Zero-Fee Plan (Self-Employed) and you will be eligible to carry out your usual transactions at no cost.

Request a Professional Zero-Fee Plan (Self-Employ

Consult the terms of the Professional Zero-Fee Plan (Self-Employed)

Consult the Professional Zero-Fee Plan's terms

Requirements

Either of the two options (Option 1 or Option 2) must be fully fulfilled in order to be able to benefit from the Professional Zero-Fee Plan's fee exemption programme.

OPTION 1

Basic requirements (must be fulfilled simultaneously):

Recurrent income* equivalent to or greater than €7,200 in the last 12 months with a monthly deposit in at least six of the twelve months.
Consumption on the credit cards associated to your business's account for an amount equivalent to or greater than €1,200 per year or POS terminal consumption for an amount equivalent to or greater than €600 per month (consult the kind of transactions taken into account to calculate consumption in the Professional Zero-Fee Plan's terms).

Optional requirements (at least one of which must be fulfilled):

Balances having a total amount equivalent to or greater than €6,000 in the institution's current accounts, deposits, investment funds (including Discretionary Investment Portfolio Management) of which you are the holder.
Having taken out from the institution one or several insurance policies** that are in force and the sum of said policies' paid premiums being equivalent to or greater than €100.

OPTION 2

Basic requirement:

Balances having a total amount equivalent to or greater than €20,000 in the institution's investment funds (including Discretionary Investment Portfolio Management) of which you are the holder.

Optional requirements (at least one of which must be fulfilled):

Consumption on credit cards for an amount equivalent to or greater than €1,200 per year (consult the kind of transactions taken into account to calculate consumption in the Zero-Fee Plan's terms).
Having taken out from the institution one or several insurance policies** that are in force and the sum of said policies' paid premiums being equivalent to or greater than €200.

Contracting process

To enroll in the Professional Zero-Fee Plan (Self-Employed), go to any Unicaja, where we will be delighted to help you.

If you prefer, you can also apply for the Professional Zero-Fee Plan (Self-Employed) by filling out the application form and indicating the branch where you'd like to process it. We will contact you shortly.

Remember that if you have any questions or queries, you can call our customer service team on: +34 900 15 19 48 / +34 952 07 62 24.

Easy-to-read small print:

(1) AER of 0.00% calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00% if all the terms and conditions of the Professional Zero-Fee Plan are met; in other words, considering the account and credit card administration and maintenance fees are set at €0.00. Without interest. (Consult the Zero-Fee Plan's Terms here).
Typical examples without meeting the terms and conditions of the Professional Zero-Fee Plan and considering a maximum administration fee of €9 per quarter, an account maintenance fee of €30 per quarter and an annual credit card maintenance fee of €44:

AER of -3.301% calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00%. Without interest.

AER of -9.710% calculated for an account having a constant balance of €2,000 over the course of a year at an APR of 0.00%. Without interest.

Professional Zero-Fee Plan and the benefits it provides will have an indefinite duration. Unicaja reserves the right to cancel said Plan and its benefits or to amend its terms and conditions from time to time, due notice of which shall be given according to the governing legislation.

(2) The exemption applies to the associated credit card or POS terminal set forth in the application form or to the one which replaces it.

(3) For issuing euro-denominated transfers through Digital Banking (Unicaja website or app) or ATMs between customer payment accounts in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain).

(4) In euros, payable in the Spanish National Compensation System (SNCE).

(5) Account movement, account balance and loan debt certificates.

(*) "Recurrent income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja of which they are the main holder with a frequency of at least one monthly transaction in six of the twelve months through deposit transactions — except over-the-counter or ATM cash deposits and wire transfers made between accounts held by the same CUSTOMER —, wire transfers from other institutions and/or payment of cheques into the account.

(**) Insurance taken out through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the network of Unicaja Banco, S.A. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.

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