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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.
Flat rate for your services
Carry out your business activity under a reduced rate of €7/month.(1)
e-Business Mastercard Card
Linked to your Business Account and without maintenance fees subject to conditions.(2)
Accident insurance(3) for free
With the coverage you deserve when performing your activity.
Discounts(4) on other insurance
Pay 10 % less on the contracting of essential insurance for your business.
With the Business Account you can make up to 5 national or community transfers of up to 50,000 euros, 5 deposits and issue 5 cheques in euros per month. And all for only 7 euros a month.
The Business Account flat rate must be associated to a current or credit account from which the social security contributions of self-employed workers, employees and members of professional associations are paid by direct debit*.
The Business Account also includes Digital Banking service and the mobile alert service to maximise the efficiency of your business operations.
In addition to free accident insurance, the Business Account offers you a 10 % discount on Free-Life Insurance and Multi-Risk Trade Insurance.
Open a Business Account at any of our Unicaja Banco branches, where we will be happy to assist you.
If you prefer, you can also apply for the Business Account 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 at: +34 952 07 62 24.
(1) APR 0.00%. AER -0.14 % interest-free for the account associated to the Business Account flat rate, assuming an average constant monthly balance €60,000 over the course of a year. The maintenance commission amounts to € 7 per month.
(2) Concession subject to the bank's discretion. No maintenance fees as long as purchases are made in retailers and/or mobile top-ups in ATMs for an amount above 2,400 euros per year.
In the deferred payment (revolving) method, any transactions made with the Mastercard Business Credit Card will be accumulated (purchases, cash withdrawals, etc.) and a fixed amount of the credit drawn down may be repaid, which will be settled and repaid monthly on the first day of each calendar month until the amount of the transactions made under this payment method has been fully repaid. Different typical examples of the AER are shown below, which are calculated for cases where no additional credit drawdowns other than the ones indicated are made and the instalment is not changed, using the French amortisation method (constant periodic instalments which include capital and interest) over 48 months:
For a credit drawdown using a Mastercard Business Credit Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and repaid in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,151.57, of which €651.57 are interest (if you are exempted from paying the credit card's annual maintenance fee). Total cost of credit: €651.57. APR.: 19.00%. AER: 20.74%.
For a credit drawdown using a Mastercard Business Credit Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and repaid in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,327.57, of which €651.57 are interest. The card maintenance fee of €44 is paid annually through a single payment at the beginning of each yearly period. Due to the existence of this fee, the AER varies depending on the amount and term. Total cost of credit: €827.57. APR.: 19.00%. AER: 27.00%.
In all these cases, the monthly repayment instalment may never be less than €20. Thus, the minimum monthly instalment to be paid will be €20 plus any interest accrued and fees due in the period.
(3) Accident insurance applicable to the first individual holder of the account linked to the Business Account during the registration period
(4) Discount applicable on the commercial premium (net premium before taxes) calculated on the basis of the first year.
* Payment of the social security contributions of the Special Regime for Self-Employed Workers (RETA), General Social Security Scheme and professional membership.
** 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 Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. 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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