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With all the advantages of Mastercard
Accepted worldwide.
Free the first year (1)
Your credit card will be exempt from any issuance or maintenance fees in the first year. No maintenance fee as from the second year according to terms and conditions(2).
Flexible payment methods
Choose to pay at the end of the month, use deferred payment (revolving) 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 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 digital banking system in a single click.
To sign up for the Mastercard Business Credit Card, you can go to any Unicaja 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: +34 952 07 62 24.
MAIN FEES
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. Consult the bases of Fee-Free Plan.
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 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), 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) 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 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), 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 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:
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.
(1) Granting subject to the bank's criteria.
(2) Maintenance fee: €44 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.
(3) Collective policy taken out with Compañía Aseguradora Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A. CASER through SEGURANDALUS MEDIACIÓN, CORREDURÍA DE SEGUROS, S.A. (Sociedad Unipersonal). VAT Reg. No.: A-48484232. DGS Code: J-01215. Third-party liability and necessary financial capacity insurance taken out pursuant to prevailing legislation on insurance brokerage matters. Free insurance applies to the holder of the Mastercard Business Credit Card. Collective policy renewed by calendar years at the institution's discretion.
(*) Exenta de comisión por retirada de efectivo a débito mediante tarjeta en cajeros automáticos de Unicaja Banco, S.A. Consulta aquí dónde puedes realizar retiradas de efectivo a débito mediante tarjeta en cajeros automáticos de España de forma gratuita.
Other means of contacting us.
Digital Banking
Access your Unicaja accounts and products from your computer. The perfect tool to help you manage your daily finances.
Mobile Banking
Immediate access to your Unicaja accounts and products. Consult and start banking, wherever you are.