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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.
Account
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.
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.
Linking
Spending with Cards or POS
Balance or Insurance
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.
(1) APR 0%. AER 0% if the Zero-Fee Plan's terms and conditions are met (Consult the Zero-Fee Plan's Terms here.).
AER calculated for several account balance cases that do not fulfil the Zero-Fee Plan's terms and conditions and considering the account's relevant maintenance fee for each of the examples set out below, along with an annual debit card maintenance fee of €32:
APR 0%. AER: -1.528% for a case in which a balance of €6,000 is kept in the account for a year and the holder is additionally the main unitholder on the relevant settlement dates of a total balance in their favour of €20,000 in investment funds and/or pension plans and/or savings insurance subscribed through Unicaja Banco or brokered by it and/or in Private Banking subscribed through Unicorp Patrimonio, S.A.(a) or recurrent income(*) equivalent to or exceeding €7,200 a year, and the account maintenance fee amounts to €15 per quarter.
Under these same conditions: APR 0%. AER: -4.548% for a case in which a balance of €2,000 is kept in the account for a year.
APR 0%. AER: -2.514% for a case in which a balance of €6,000 is kept in the account for a year and the holder is not the main unitholder on the relevant settlement dates of a total balance in their favour of €20,000 in investment funds and/or pension plans and/or savings insurance subscribed through Unicaja Banco or brokered by it and/or in Private Banking subscribed through Unicorp Patrimonio, S.A.(a) or without recurrent income(*) equivalent to or exceeding €7,200 a year, and the account maintenance fee amounts to €30 per quarter.
Under these same conditions: APR 0%. AER: -7.430% for a case in which a balance of €2,000 is kept in the account for a year.
In the cases described above, the AERs would vary depending on the balance in the account.
The Self-Employed' Zero-Fee Plan and the benefits it provides will have an indefinite duration. Unicaja Banco 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.
(a) Unicorp Patrimonio, S.A. is the holder of VAT Registration Number A-92067131, has its registered office at Calle La Bolsa 4 1st Floor, Malaga 29015, is duly registered at the Malaga Companies Registry in Volume 2361, Book 1274, Section 8, Folio 202, and was also registered at the Administrative Registry of Portfolio Management Companies of the Spanish National Securities Market Commission on 18 June 1999 under the number 132.
(2) The exemption applies to the associated card or POS terminal set forth in the application form or to the one which replaces it.
(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).
(*) "Deposited annual income" is construed to mean any deposits made by the customer who is natural person having an agricultural activity into an account opened at Unicaja Banco of which they are the main holder through deposit transactions — except over-the-counter or ATM cash deposits and wire transfers made between accounts held by the same CLIENT —, 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.
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.
The easiest and safest form of payment for your company. Find the card that best suits your business needs.
See company cards
Provides you with the option of taking card payments in your establishment and mitigates the risks associated with handling large amounts of cash.
See Point of Sale
An administrative-financial service that manages your outstanding invoices and advances you the amount.
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