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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 deposits
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: +34 901 11 11 33 or +34 952 07 62 24.
(1) Tipo de interés nominal anual de la cuenta del 0,00 % correspondiendo:
En caso de cumplir los requisitos del Plan Cero, TAE: 0,00 %, siendo la comisión de mantenimiento de la cuenta 0 € trimestrales y la comisión de mantenimiento de la tarjeta de débito 0 € al año. Consulta las bases del Plan Cero.
En caso de no cumplir los requisitos del Plan Cero, la TAE de la cuenta, considerando la correspondiente comisión de mantenimiento de la cuenta para cada uno de los ejemplos a continuación indicados, así como una comisión de mantenimiento anual de una tarjeta de débito de 28 € (en el supuesto en el que, a la fecha de liquidación de esta comisión, hayan transcurrido doce meses sin que se hayan cumplido los requisitos de Plan Cero), es la siguiente:
TAE: -1,857 % correspondiente a supuestos en el que se mantenga en la cuenta un saldo medio trimestral de 6.000 € y la comisión de mantenimiento de la cuenta sea de 21 € trimestrales.
TAE: -1,461 % correspondiente a supuestos en los que se mantenga en la cuenta un saldo medio trimestral de 6.000 €, la comisión de mantenimiento de la cuenta sea de 15 € trimestrales y, además, sea primer titular, en las correspondientes fechas de liquidación, de un saldo total a su favor igual o superior a 20.000 € en fondos de inversión y/o planes de pensiones y/o seguros de ahorro contratados a través de Unicaja Banco o con su intermediación y/o en Banca Privada contratados con Unicorp Patrimonio, S.A.(a)
(a) Unicorp Patrimonio, S.A., con Número de Identificación Fiscal CIF A92067131 y domicilio social en Málaga, C/ La Bolsa 4, 1º Planta 29015, inscrita en el Registro Mercantil de Málaga, en el Tomo 2361, Libro 1274, Sección 8, Folio 202, e inscrita en el Registro Administrativo de Sociedades Gestoras de Carteras de la Comisión Nacional de Mercado de Valores con fecha 18 de junio de 1999 y con el número 132.
(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.
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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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