Royal Decree-Law 11/2018 that includes the amendments to Law 10/2010 on the Prevention of Money Laundering

Unicaja, as well as any other financial entity, is required to have a digitalised copy of certain documents of our customers in order to verify their identity, their economic/professional activity or the source of their funds, according to Royal Decree-Law 11/2018 including the amendments to Law 10/2010 on the Prevention of Money Laundering.

Failure to comply with this legal requirement, as established by the regulations, will force us to block operating procedures in our offices, remote services and even the cards of those customers that do not provide such documents.

Required documents

We need the cooperation of our customers to obtain a copy of the required documentation and thus be able to continue providing our services.

Documents that may be required include identifying documents (DNI, NIE, Passport, etc.) and those that prove the source of recurring income, or the personal situation in case of not having them, varying in function of the type of customer:

• Natural Persons
• Resident Legal Persons
• Non-resident Legal Persons

Documents can be sent from this website or sent to the following e-mail address:

documentosrba@unicaja.es

Natural persons

Identification document* (DNI, NIE, Passport, etc.).

(*) For minors under 14 years of age, if they cannot provide a DNI, their Tax Identification Number will be valid.

Accreditation documents of activity for individuals.

Self-employed activity:

• Accreditation of social security payment.
• Last Personal Income Tax (IRPF) statement
• Last receipt of the social security contribution for the self-employed
• Last VAT statement or IRPF Personal Income Tax withholding
• Professional association card
• Last Trading Income Tax (IAE) statement
• Last receipt issued by professional association
• Registration with the Tax Agency

Employment activity, pensioners and other recipients in general of Social Security benefits:

• Recent payment slip or pension payment
• Certificate of assets, pension or recent subsidy
• Current work agreement
• Work history certificate
• Certificate issued by Company, indicating the relationship with the worker
• Last Personal Income Tax (IRPF) statement

Other individuals (Landlords and others):

• Last Personal Income Tax (IRPF) statement
• Corporate sales contracts, if applicable
• Registration in Public Employment Service (INEM)
• Securities positions, if applicable
• Real estate rental contracts, if applicable
• Any other document that reasonably certifies the customer's capacity to generate income
• Real estate sale contracts, if applicable

Documents of formal identification and real ownership.

1. Public documents that prove their existence and indicate their corporate name, legal form, address, the identity of their administrators, statutes and tax identification number. In the case of legal entities of Spanish nationality, a certificate issued by the provincial Commercial Registry will be accepted for formal identification purposes.

2. Power of attorney.

3. Current identification document (DNI, NIE, Passport, etc.) of their attorneys or representatives

4. An affidavit of real ownership signed by the person that has been assigned the legal representation of the legal entity.

• You can obtain the affidavit of ownership model in your regular office or through the following link "Real Holder Statement".
  
• However, Unicaja, in compliance with Law 10/2010 may require, if it deems it appropriate, that a mandatory notarial deed of identification of real ownership be provided.

Accreditation documents of activity for resident Legal Entities (with registered office in Spain).

Legal entities: Corporations, Limited Companies, Collective Societies, Limited Partnerships, Production Cooperatives or Workers Partnerships:

• Last Corporate Tax Statement: form 202, 222, 200 or 220.
• Last VAT Statement: form 303, 390.
• Last annual statement of operations with third parties: form 347, 349.
• Last Trading Income Tax Statement (IAE): form 840, 848.
• Last Income Tax Withholding Statement: form 111, 190.

Entities which are not legal persons: Business Partnerships and Joint Ownerships:

• Last Corporate Tax Statement: form 202, 222, 200, 220.
• Last VAT Statement: form 303, 390.
• Last annual statement of operations with third parties: form 347, 349.
• Last Trading Income Tax Statement (IAE): form 840, 848.
• Last Personal Income Tax (IRPF) statement: Form d-100, 130, 131.
• Last Income Tax Withholding Statement: form 111, 190.

Associations, Foundations, Professional Associations, Communities, Corporations and NGOs:

• Activities Report.
• Balance sheet from the previous year.
• Budgets for the current year.
• Last Trading Income Tax (IAE) statement
• Annual customer audit report.

Documents of formal identification and real ownership.

1. Public documents that prove their existence and contain their corporate name, legal form, address, the identity of their administrators, statutes and tax identification number.

2. Power of attorney.

3. Current identification document (DNI, NIE, Passport, etc.) of their attorneys or representatives

4. Notarial affidavit of real ownership signed by the person that has been assigned the legal representation of the legal entity.

Documents certifying the activity of the legal entity not residing in Spain.

• Activities Report.
• Balance sheet from the previous year.
• Budgets for the current year.
• Latest Tax Returns.
• Contracts with clients and suppliers, invoices, etc.
• Annual customer audit report.