(1) Annual nominal interest rate on the 0.00 % account, AER: 0.00 % if they fulfil the requisites of Plan Zero, the account maintenance commission being € 0 per quarter and the debit card maintenance commission € 0 per annum. Consult the bases of Plan Zero.
If you do not fulfil the requisites of Plan Zero, the AER of the account is as follows, considering the relevant maintenance commission of the account as well as an annual card maintenance commission of € 28, assuming this fee's settlement date is twelve months after the date the Zero Plan's requirements were no longer met:
AER: -0.149 % for cases in which a total balance is held in the account of (a) quarterly of € 35,000, the maintenance commission being € 6 per quarter.
AER: -1.461 % for cases in which an average balance is held of (b) quarterly of € 6,000, the account maintenance commission being € 15 per quarter.
AER: -10.692 % for cases in which an average balance is held of (b) quarterly € 800 with linking, (c) the maintenance commission of the account being € 15 per quarter.
AER: -13.454 % for cases in which an average balance is held of (b) quarterly € 800 without linking, (d) the account maintenance commission being € 21 per quarter.
(a) Total balance as first holder in Accounts at Sight and/or Investment Funds and/or Pension Schemes and/or Savings Insurance and/or Fixed Term and
Total balance as Plan Zero as first holder in Accounts at Sight and/or Investment
Total balance as first holder in Accounts at Sight and/or Investment Funds and/or Pension Schemes and/or Savings Insurance and/or Fixed Term and/or Private Banking and/or Securities Portfolio exceeding € 30,000.
(b) Average balance of the account.
(c) With linking: when any of the following conditions is fulfilled: domiciliation of payroll, pension, unemployment subsidy, social payment, agrarian subsidies and/or operating card.
(d) Without linking: when there is no domiciliation of payroll, pension, unemployment subsidy, social payment, agrarian subsidies and/or the holder does not have any operating card.
(2) The exemption shall apply to the card or POS identified in the application form from the Promotional Campaign or substituting documentation.
(3) For non urgent transfer issue by Digital Banking, Unicaja Mobile or ATMs, in euros, between customer payment accounts located within the SEPA zone.
(4) In euros, payable in the Spanish National Compensation System (SNCE).
(*) Recurring income is understood as that made by a natural person with entrepreneurial or professional activity, in an account open at Unicaja that they are the first holder of, with a minimum frequency of at least one monthly operation in six of the twelve months, through deposit operations – except for cash payments made over the counter or into an ATM and transfers made between accounts held by the same CLIENT -, transfers from other banks and/or clearing cheques in the account.
(**) Insurance contracted with Unicorp Vida Cia. de Seguros y Reaseguros S.A.nbsp; or Caja España Vida Cia. de Seguros y Reaseguros S.A. Insurance contracted through Unimediación, S.L., associated bank and insurance operator registered in the Special Administrative Registry of Insurance Brokers, Reinsurance Brokers and their senior managers, held by the Directorate General for Insurance and Pension Funds (Registration No. OV-0010), acting through the Red de Distribución de Unicaja Banco, S.A. CL Insurance arranged in accordance with Royal Decree-Law 3/2020 of 4 February. It has sufficient financial capacity in accordance with applicable laws. You can find the insurance companies that Unimediación S.L. has signed an agency contract with at www.unicajabanco.es/seguros.