Maintenance fee: €44.00 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 debit cash withdrawals made with cards from ATMs:
€0 fee for any withdrawals made with your Mastercard Business Credit Card from ATMs belonging to Unicaja Banco, S.A.
100% of what the owner of the ATM charges Unicaja Banco for that withdrawal. In other words, for cash withdrawals with the Mastercard Business Credit card made by the customer at the ATMs of other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania, Unicaja Banco 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 Banco 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4.00% (minimum €3.50) of the amount withdrawn in other countries. We'll charge this fee for debit cash withdrawals from ATMs made with a Mastercard Business Credit Card outside the Euro Zone, Sweden or Romania.
Fee for credit cash withdrawals made with cards from ATMs:
4.00% (minimum €3.50) of the amount withdrawn in transactions made at ATMs belonging to Unicaja Banco, S.A.
4.00% (minimum €3.50) plus 100% of what the owner of the ATM charges Unicaja Banco 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 In other words, you will be charged a fee of 4.00% (minimum €3.50) of the amount withdrawn and we will also pass on the amount that the bank that owns the ATM you are using to withdraw money charges us for using their ATM in other banks in Spain (not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 In other words, you will be charged a fee of 5.00% (with a minimum of €5.00) of the amount withdrawn in banks that are not in the Euro Area or in Sweden or Romania.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.
In deferred payment mode the transactions (purchases, cash withdrawals, etc.) performed using the Mastercard Business Credit 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 19.00%.
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. NIR: 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. NIR: 19.00%, AER: 27.00%.
The monthly capital repayment amount may never be less than €20. The minimum monthly instalment to be paid will therefore be €20 plus any interest accrued and fees due in the period.