Optimise the cost-effectiveness of your business with a flexible credit card¹
Pay in a flexible way
You can choose among end-of-the-month, direct charging to account or deferred (revolving) payment methods.
Benefit from free insurance
Your Visa Business Credit Card comes with free travel assistance insurance and accident insurance2 offering high-end coverage of up to €500,000.
Do away with fees
You do not have to pay any issuance or maintenance fees for the first year. As well as in the second year if you meet certain conditions3.
Withdraw cash without any fees
Withdraw debit cash without being charged any fees4 from over 14,000 ATMs.
An efficient, cost-effective management tool for your business:
You can go to any Unicaja Banco branch to apply for a Visa Business Credit Card, where we will be delighted to help you out.
If you so prefer, you can also apply for a Visa Business Credit Card by filling in the application form and indicating the branch where you would like it to be processed. We will then get in touch with you shortly.
If you have any doubts, remember that you can call our Customer Service Department at: +34 900 15 19 48 or +34 952 07 62 24.
PRINCIPAL FEES
Maintenance fee: €44 per year. Maintenance fee payment is exempted if you make purchases and/or mobile phone reloads exceeding €3,600 within the annual period (monthly average of €300). Cancelled transactions or reimbursements do not count. This is also the case if you have joined the Company or Professional Zero-Fee Plan and meet the requirements laid down.
Fee for debit cash withdrawals made with cards from ATMs:
€0 fee for any withdrawals made with your Visa Business Credit Card from ATMs belonging to Unicaja Banco, S.A.
100% of whatever the owner of the ATM charges Unicaja for the withdrawal. In other words, Unicaja Banco will pass on to the customer the amount institutions charge Unicaja Banco for any debit cash withdrawals made by the customer with their Visa Business Card from ATMs belonging to other institutions from Spain (other than Unicaja Banco), the Eurozone, Sweden and Romania. We inform you that the amount the institution which owns the ATM you are withdrawing cash from will charge Unicaja Banco should be displayed on screen when you are making the withdrawal. Unicaja can pass on said amount to you. In any case, you can query the areas in Spain where you can make free debit cash withdrawals equivalent to or exceeding €120. Find out where you can make free withdrawals in Spain here.
4.00% (minimum charge of €3.50) of the amount withdrawn in other countries. We will charge this fee for debit cash withdrawals from ATMs made with a Visa Business Credit Card outside the Eurozone, Sweden or Romania.
Fee for credit cash withdrawals made with cards from ATMs:
4.00% (minimum charge of €3.50) of the amount withdrawn in transactions made at ATMs belonging to Unicaja Banco, S.A.
4.00% (minimum charge of €3.50) plus 100% of whatever the owner of the ATM charges Unicaja for the withdrawal. In other words, a 4.00% fee will be charged (with a minimum charge of €3.50) of the amount withdrawn along with the amount the institution that owns the ATM where the withdrawal is being made charges us for the use of its ATM in Spain (other than Unicaja), the Eurozone, Sweden and Romania.
5.00% (minimum charge of €5.00) in all other countries. In other words, a 5.00% fee will be charged (with a minimum charge of €5.00) of the amount withdrawn at institutions that are not in the Eurozone, Sweden or Romania.
Fee for foreign currency transactions other than the euro: 3%. This fee will be applied to the resulting euro countervalue amount of all foreign currency transactions (purchases and cash withdrawals) made with the card according to the exchange rate obtained by the payment systems on the date when the relevant settlement is made.
INTEREST RATE
In the deferred payment method, any transactions made with the Visa Business Credit Card will be accumulated (purchases, cash withdrawals, …) 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. The balance drawn down will accrue interest at the Annualised Percentage Rate (APR) 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 institution's criteria.
(2) Collective policy taken out by UNIMEDIACIÓN, S.L.U., a RELATED BANKING-INSURANCE OPERATOR, duly registered at the Special Administrative Registry of Insurance Intermediaries, Reinsurance Brokers and their Senior Executives kept by the Directorate-General of Insurance and Pension Funds under Registration No. OV-0010 and with VAT Registration Number B-92802271, acting through the distribution network of Unicaja Banco, S.A. Third-party liability insurance taken out in accordance with the Act 3/2020 of 4 February. Free insurance applies to the holder of the Visa Business Credit Card. Collective policy renewed by calendar years at the institution's discretion.
(3) Maintenance fee: €44 per year. Maintenance fee payment is exempted if you make purchases and/or mobile phone reloads exceeding €3,600 within the annual period (monthly average of €300). Cancelled transactions or reimbursements do not count. This is also the case if you have joined the Company or Professional Zero-Fee Plan and meet the requirements laid down.
(4) Cash withdrawals without debit fee at ATMs depending on the province. Consult map. At all Unicaja Banco ATMs (includes the Liberbank network) and as from €120 at ATMs in the EURO 6000 network (EURO 6000 institutions included: Abanca, Novo Banco, Ibercaja, Kutxabank, Cajasur, Evo Banco, Cecabank, Caja de Ontinyent, Colonya Caixa Pollensa and Cardtronics), Banco Sabadell, Bankinter, Caja de Ingenieros, Arquia Banca, Euronet and ING in the following provinces: La Coruña, Lugo, Orense, Pontevedra, Vizcaya, Guipúzcoa, Álava, Navarra, La Rioja, Burgos, Segovia, Guadalajara, Madrid, Zaragoza, Huesca, Teruel, Lleida, Barcelona, Girona, Tarragona, Castellón de la Plana, Balearic Islands, Valencia, Alicante, Murcia, Granada, Córdoba, Badajoz, Santa Cruz de Tenerife, Las Palmas. And from €120 at ATMs belonging to any network in the provinces of Huelva and Seville.
Terms and conditions valid until 31 December 2025.
Can we help you?
Also at 952 076 263 or through the contact form.
Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
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