1 / 6

This number indicates the risk of the product, 1/6 indicates low risk and 6/6 high risk.

Unicaja Banco, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions, created by Royal Decree-Law 16/2011, of 14 October, whose coverage has a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, its equivalent in the currency in question) per depositor and credit institution.

Risk score related to the account.

Fee-Free Plan for the Self-Employed


Are you a customer but still don't have your login details?


Your account linked with no administration or maintenance fees(1).

Card or POS

Your associated card or POS with GPRS, Bluetooth and WiFi technology, and no maintenance or issuance fees (2) .

Online transfers

Make all the transfers you need without paying a fee (3) .

Cheque negotiation and clearance

You won't pay any fees (4) for depositing cheques into your account.

plan_cero_autonomos_02 plan_cero_autonomos_02


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 Banco, use your card or POS and meet the other conditions detailed in the requirements section. This will allow you to enroll in the Fee-Free Plan for the Self-Employed and you will be eligible to carry out your usual transactions at no cost.



  • Recurring income* of an amount equal to or greater than 7,200 euros in the last 12 months with at least one monthly income in 6 of the 12 months.


Spending with Cards or POS

  • Spending with credit or debit cards for an amount equal to or greater than €1,200 per year, or a minimum of 2 monthly transactions or POS use equal to or greater than €600 per month.


Balance or Insurance

  • Balances of a total amount of €6,000 or more in the institution (of which you are the account holder in: demand deposit accounts, investment funds, pension plans and savings insurance policies), or having taken out at least one insurance policy with the institution (other than savings insurance, which is included in the previous option)** 

Contracting process

To enroll in the Fee-Free Plan for the Self-Employed, go to any Unicaja Banco branch, where we will be delighted to help you.


If you prefer, you can also apply for the Fee-Free Plan for Self-Employed Individuals 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+34 952 07 62 24.

related products and services


Digital Banking

Access your Unicaja Banco accounts and products from your computer. The perfect tool to manage your daily finances.


Mobile Banking

Instant access to your Unicaja Banco accounts and products. Consult and start banking, wherever you are.

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Other means of contacting us.

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