With all the advantages of Mastercard
Accepted worldwide and with all EURO 6000 Privilege discounts. (1)
Free the first year (2)
Free from the second year on as well, subject to conditions.(3)
Flexible payment methods
Choose to pay at the end of the month, use deferred payment or pay by direct debit from your account.
A credit card that also allows you to charge your representation expenses, travel costs or any other expenses derived from your daily business activity.
Unicaja Banco provides you with a detailed statement of all the transactions carried out with the card.
With the Mastercard Business Card you will have cash available through ATMs and bank branches wherever you need it.
In the event of theft or loss, you can temporarily deactivate the card using our electronic banking system in a single click.
To sign up for the Mastercard Business Credit Card, you can go to any Unicaja Banco branch, where we will be delighted to help you.
If you prefer, you can also apply for a Mastercard Business Credit Card by filling out an application form and indicating at which branch you'd like it to be processed. 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.
MAIN FEES
Maintenance fee: €39.00 per year. Exempt from the payment of the maintenance fee if you spend more than €3,600 on purchases and/or mobile top-ups within an annual period (monthly average of €300). Cancelled operations and returns do not count. Or, if you are a holder of the Fee-Free Plan, Fee-Free Plan for Business or Fee-Free Plan for the Self-Employed and you meet the established requirements.
Fee for withdrawing money from your account through ATMs (debit):
€0, for withdrawals in the ATMs ofUnicaja Banco, S.A.
100% of what the owner of the ATM charges Unicaja for that withdrawal. In other words, for cash withdrawals with a debit card made by the customer at the ATMs of other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania, Unicaja will pass the amount that these banks charge on to the customer. Please note that at the time of making the withdrawal you should see information on the screen giving the amount that the bank owning the ATM will charge Unicaja for the withdrawal, and that we can pass on to you. In any case, you can check the areas in Spain where, to make up for the fact that we do not have an extensive ATM network in these provinces, we do not charge you for the first three cash withdrawals with your debit card. See where you can withdraw cash for free in Spain, here.
4.00% (minimum €3.50) in other countries. We will charge this price for cash withdrawals from ATMS outside Spain, the Euro Area, Sweden and Romania.
Fee for cash withdrawals using your credit card:
4.00% (minimum €3.50), for withdrawals from the ATMs of Unicaja Banco, S.A.
4.00% (minimum €3.50) plus 100% of what the owner of the ATM charges Unicaja for that withdrawal. In other words, you will be charged a fee of 4.00% (minimum €3.50) of the amount withdrawn and we will also pass on the amount that the bank that owns the ATM you are using to withdraw money charges us for using their ATM in other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania.
5.00% (minimum €5.00) in other countries. In other words, you will be charged a fee of 5.00% (with a minimum of €5.00) of the amount withdrawn in banks that are not in the Euro Area or in Sweden or Romania.
Fee for transactions in currencies other than the euro: 3%This fee will be applied to the amount resulting from the equivalent in euro of all the transactions in foreign currencies (purchases and cash withdrawals) performed with the card in accordance with the exchange rate obtained by the Payment Systems on the date of the corresponding settlement.
INTEREST RATE
In deferred payment mode the transactions (purchases, cash withdrawals, etc.) performed using the card will be added up and you can repay a fixed amount of the credit drawn, which will be settled and paid on a monthly basis every 1st of the calendar month until the full payment of the amount of the transactions performed in this payment has been made. The drawn balance will be charged an annual nominal interest rate (NIR) of 22.20%. The AER will vary depending on whether or not the payment of the maintenance fee is taken into account and on the amount of credit on the card. Here are some different examples of the AER:
In all cases, the amount of the monthly repayment can never be less than €20, so the minimum installment to be paid will be €20, plus the interest and fees that have been generated in the period.
(1) See all the discounts and conditions in effect at www.euro6000.com/unicaja-banco.
(2) Granting subject to the bank's criteria.
(3) Maintenance fee: €39 per year. Exempt from the payment of the maintenance fee if you spend more than €3,600 on purchases and/or mobile top-ups within an annual period (monthly average of €300). Cancelled operations and returns do not count. Or, if you are a holder of the Fee-Free Plan, Fee-Free Plan for Business or Fee-Free Plan for the Self-Employed and you meet the established requirements.
AER: 0 % calculated if the requisites of Plan Zero are met (maintenance commission of € 0.00 per quarter).
AER: -1.00 % if the requisites of Plan Zero are not met (for a case of a constant average balance (1) per quarter of € 6,000 for a year, the maintenance commission of the account amounts to € 15.00 per quarter).
AER: -0.08 % if the requisites of Plan Zero are not met (for a case of constant average balance (1) per quarter of € 30,000 € for a year, the maintenance commission of the account amounts to € 6.00 per quarter).
(**) Average balance in Balances at Sight, Investment Funds, Pension Schemes, Saving Insurance, Fixed Term, Private Banking and Securities Portfolio you hold.
(4) Collective policy contracted with Compañía Aseguradora Caja de Seguros Reunidos. Compañía de Seguros y Reaseguros S.A. CASER. through SEGURANDALUS MEDIACIÓN, CORREDURÍA DE SEGUROS, S.A. (Single Member Company). Tax ID (CIF) A-48484232. General Directorate of Insurance code J-01215. Liability Insurance arranged. It has the financial capacity in accordance with Law 26/2006. Free insurance applicable to Mastercard Credit and Visa Credit card. Collective policy with renewal for calendar years at the discretion of the Institution.
(*) No fees for withdrawing cash with a debit card at Unicaja Banco ATMs. Fees apply for withdrawing cash from the ATMs of other banks. See where you can withdraw cash from ATMs for free.
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Provides you with the option of taking card payments in your establishment and mitigates the risks associated with handling large amounts of cash.
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