This number indicates the product risk, where 1/6 is the lowest risk and 6/6 the highest risk.
Unicaja Banco, S.A. adheres to the Lending Institutions Deposit Guarantee Fund, created by Royal Decree Act 16/2011, of 14th October, the coverage of which has a maximum amount of 100,000 euros (or, in cases of deposits that are not denominated in euros, their equivalent in the currency concerned) per depositor and bank.
Risk indicator related to the account and to the passbook.
For each € 10 increase in net monthly balance (max. 15 points /month)**
Double the points for balance increases in your birthday month (max. 30 points/month)**
(*) These accounts do not offer any return in cash. One point (maximum of 15 points a month) is awarded for every net monthly increase in the balance of €10.
Nominal annual interest rate of 0%. Maximum AER of 1.110 % calculated, assuming a net monthly increase in the balance of €150, earning a total of €1,800 over a twelve-month period with a return in kind of 180 points without any maintenance fees and if all the points earned are exchanged for items in the Fun Catalogue at the end of the settlement period in question. A return of one point is equivalent to €0.06 (including VAT and Capital Gains Tax).
Nominal annual interest rate of 0%. Minimun AER of 0 % if the account records no net monthly increase.
Exchanging points for items in the catalogue is subject to taxation and deemed as a return in kind for assigning one's own capital to third parties according to Article 25(2) of Act 35/2006 on Income Tax which is in force. Unicaja Banco will income tax and pay it according to article 74(2) of the Income Tax Regulation, without passing on the costs of this payment to the customer. If the item chosen is unavailable, Unicaja Banco will reimburse the points exchanged. Ask about the terms and conditions at your branch.
(**) Promotion valid until December 31, 2021.
Unicaja Banco, S.A. Avda. Andalucía 10-12, 29007. Registered at the Business Registry of Malaga, Volume 4,952, Book 3,859, Section 8, Sheet MA-111580, Folio 1, Inscription 1. T.I.N. A93139053.
To know more about these and other products and/or services, consult www.unicajabanco.es
For Unicaja Banco S.A., the holder of the web page, it is important to adapt to your tastes and preferences, for which we use own and third-party cookies, that gather connection data that may be linked to your registration user name, the purpose of which is to measure traffic and user interaction with the web page, to help to improve operation of the web content, as well as the services and products offered, preparing behaviour profiles, while always protecting your privacy. You may transparently choose the configuration that suits you best, without that causing any change in your usual operations.