Companies and self-employed

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MASTERCARD BUSINESS CREDIT CARD

OPTIMISE THE PERFORMANCE OF YOUR BUSINESS WITH A CREDIT CARD

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

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.

Free insurance with the card (4)    

Comes with travel and accident insurance, free of charge.

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AN EFFICIENT AND PROFITABLE MANAGEMENT TOOL FOR YOUR BUSINESS

Improve the control of your professional payments

A credit card that also allows you to charge your representation expenses, travel costs or any other expenses derived from your daily business activity.

Your accounts, always straightforward

Unicaja Banco provides you with a detailed statement of all the transactions carried out with the card.

Useful for withdrawing cash from an extensive network of branches and ATMs*

With the Mastercard Business Card you will have cash available through ATMs and bank branches wherever you need it.

Easy to deactivate via UniVía

In the event of theft or loss, you can temporarily deactivate the card using our electronic banking system in a single click.

Contractual process

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.

Conditions

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:

  • For a credit drawdown on a Mastercard Business Credit Card for a purchase in a Spanish store for €1,500 repaid in 11 monthly installments of €140.54 and a final monthly installment of €140.49, the total amount owing would be €1,686.43 (if you do not pay the card maintenance fee), in this case the AER would be 24.60%.
  • For a credit drawdown on a Mastercard Business Credit Card for a purchase in a Spanish store for €1,500 repaid in 11 monthly installments of €140.54 and a final monthly installment of €140.49, the total amount owing would be €1,725.43 (if you do pay the annual card maintenance fee of €39.00), in this case the AER would be 31.06%.
  • For a credit drawdown on a Mastercard Business Credit Card for a purchase in a Spanish store for €3,000 repaid in 11 monthly installments of  €281.07 and a final monthly installment of €281.11, the total amount owing would be €3,372.88 (if you do not pay the card maintenance fee), in this case the AER would be 24.60%.
  • For a credit drawdown on a Mastercard Business Credit Card for a purchase in a Spanish store for €3,000 repaid in 11 monthly installments of €281.07 and a final monthly installment of  €281.11, the total amount owing would be €3,411.88 (if you do pay the annual card maintenance fee of €39.00), in this case the AER would be 27.77%.

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.

related products and services

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UniVía Online Banking

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

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Mobile Banking

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

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

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