Open online account

WHAT AM I SUBSCRIBING?

Registering as a customer at Unicaja Banco will be done by subscribing all the products indicated below. Subscribing these products separately is not allowed in this process.

(1) The online account's terms and conditions

You can benefit from this package of products and services by signing up as a customer on our website. The fees that will be exempted are the ones set out below. They refer to the subscription pack, which includes the account and the card subscribed by the customer registering online during the first year consisting of:

• Maintenance fee of the account opened through online registration.

• Fee for issuing euro-denominated transfers made by the customer charged to the associated account through Digital Banking (Unicaja Banco website or app) or ATMs between customer payment accounts in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain).
  

• Issuance and maintenance fees of the debit card subscribed through online registration.

As from the second year, you still won't have to pay any fees if you fulfil the terms and conditions of the Individual Zero-Fee Plan (aside from the debit card maintenance fee, which will amount to €32 a year as from the second year). 

In the case of people under 28 years of age, they will benefit from an online account and debit card free from any fees or conditions.

INDIVIDUAL ZERO-FEE PLAN

Either of the two options must be fully fulfilled in order to be able to benefit from the Zero-Fee Plan's fee exemption programme.

 Option 1:

Basic requirements (must be fulfilled simultaneously):

• Salary, pension or unemployment benefit paid directly into the account for a net amount equivalent to or greater than €600 (or recurrent deposits(*) equivalent to or greater than €7,200 in the last 12 months with a monthly deposit in at least six of the twelve months).
• Consumption on credit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 or two transactions using said cards counting from the date on which the settlement of each feecorresponds.

Optional requeriments (at least one of them must be fulfilled):

• Balances having a total amount equivalent to or greater than €6,000 in the institution's investment funds (including Discretionary Investment Portfolio Management), pension plans and savings insurance taken out through Unicaja Banco or brokered by it of which the customer is the holder.
• Having taken out from the institution one or several insurance policies^(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €100..
  

Option 2

Basic requirement:

• Balances having a total amount equivalent to or greater than €20,000 in the institution's investment funds (including Discretionary Investment Portfolio Management), pension plans and savings insurance of which the customer is the holder. 
  

Optional requeriments (at least one of them must be fulfilled):

• Consumption on credit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 per year or at least two transactions per month using said cards counting from each fee's settlement date (consult the kind of transactions taken into account to calculate consumption in the Individual Zero-Fee Plan's terms).
• Having taken out from the institution one or several insurance policies^(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €200.
  

Fees exempted by the Individual Zero-Fee Plan:

1. No current account maintenance fees if terms and conditions are met⁽²⁾.
2. Free transfers if terms and conditions are met⁽³⁾.
3. No credit card maintenance fees if terms and conditions are met⁽⁴⁾.

(*) "Deposited recurrent income" is considered those received by the customer into an account opened at Unicaja Banco of which they are the main holder with a frequency of at least one monthly transaction in six of the twelve months through deposit transactions — except over-the-counter or ATM cash deposits and wire transfers made between accounts held by the same CUSTOMER —, wire transfers from other institutions and/or negotiation and clearing of checks.

(**) Insurance taken out through Unimediación, S.L., 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 (Registration No. OV-0010), acting through the distribution network of Unicaja Banco, S.A. Third-party liability insurance taken out in accordance with Royal Decree-Law 3/2020 of 4 February. Has sufficient financial capacity according to prevailing legislation. You can query the insurance companies Unimediación, S.L. has entered into agency agreements with at   www.unicajabanco.es/seguros

Consult the Zero-Fee Plan's terms and requirements here, or at your branch.

(2) APR: 0.00%. AER: 0.00% if the Zero-Fee Plan's requirements are met, the account's maintenance fee being €0 per quarter and the credit card's maintenance fee being €0 per year. Consult Zero-Fee Plan's terms.

AER calculated for several account balance cases that do not fulfil the Zero-Fee Plan's terms and conditions and considering the account's relevant maintenance fee for each of the examples set out below, along with an annual credit card maintenance fee of €44:

APR 0%. AER: -2.713 % for a case in which a balance of €6,000 is kept in the account for a year and the account maintenance fee amounts to €15 per quarter.  

Under these same conditions: APR 0%. AER: -8.016% for a case in which a balance of €2,000 is kept in the account for a year.

In the cases described above, the AERs would vary depending on the balance in the account.

The Individuals' Zero Plan and the benefits it provides will have an indefinite duration. Unicaja Banco reserves the right to cancel said Plan and its benefits or to amend its terms and conditions from time to time, due notice of which shall be given according to the governing legislation.

(3) For issuing euro-denominated transfers through Digital Banking (Unicaja Banco website or app) or ATMs between customer payment accounts in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain).

 (4) The exemption applies to the associated credit card set forth in the application form or to the card which replaces it.