1 / 6

This number is indicative of the risk of the product, with 1/6 indicating low risk and 6/6 high risk.

Unicaja Banco, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions created by Royal Decree-Law 16/2011, of 14 October, covering a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, the equivalent in the relevant currency) per depositor and credit institution.

Risk score related to the account

Open online account

Become a customer now and benefit from the Zero-Fee Plan

Have you already started the process? Restart

No current account administration and maintenance fees if terms and conditions are met (1).

Free debit cash withdrawals from almost 9,500 ATMs

Free transfers if terms and conditions are met (1)

Free debit card if terms and conditions are met (1)

Have you already started the process? Restart your online account subscription where you left it.

Restart online subscription

Become a customer online without moving from home

Become a Unicaja Banco customer in just 5 steps. Without displacement.

Abrir cuenta online


Your money will always be available whenever you need it. You can make your regular direct debit payments and have your usual income paid directly into your current account. The account subscribed through this online registration process does not have any administration and maintenance fees(1). In addition, you will not be charged any fees for making non-urgent transfers from this account if they are made in euros between payment accounts of customers located in the SEPA on our Digital Banking service, the UnicajaMóvil app or at any of our ATMs(1).


Get your debit card without being charged any issuance and maintenance fees el primer año when you sign up to become a Unicaja Banco customer on our website(1). The debit card allows you to make debit cash withdrawals at Unicaja Banco ATMs without being charged any fees and make secure payments quickly and conveniently due to its contactless technology. You can also carry the card on your mobile phone.



Make all your transactions and queries from anywhere that has Internet access at unicajabanco.es or on the Unicaja Banco app, which is available for iOS and Android. You can easily perform all your banking tasks intuitively on the new easy-to-access Unicaja Banco Digital Banking service. Its functionalities allow you to check all your products' financial situation at a single glance. You can also tailor the way your accounts are displayed and speed up your transactions by using a practical frequent contacts list.


Performing your most common services will cost you nothing. You can save on account maintenance, credit card and wire transfer fees if terms and conditions are met(1). By joining the Zero-Fee Plan, which is done when you register online to become a Unicaja Banco customer, you can make use of your most common services free of charge. Consulta las bases y requisitos del Plan Cero aquí, o en tu oficina.


How to open your bank account online in five steps



Enter your contact data to create a login password to our Digital Banking service.



Submit your tax data and inform us about your economic and tax activity.



Verify the process on your mobile phone and we will send you a security code during the registration process.



Prove your identity through your national ID card and the IBAN of an active account you hold at another bank in Spain.



Read the prior documents and sign the contracts. We will send you the prior information to your e-mail address. If you are in agreement, sign the contracts and you will receive a signed copy of them at said e-mail address.

You need the following to become a Unicaja customer


Your national or alien's ID card

We will ask you to upload a photo of your identity document to identify you.


Access to mobile phone number and e-mail address

We will associate the subscription and service to your mobile phone and send you the necessary documents to your e-mail address.


Be of legal age

You must be over 18 years of age, reside in Spain, be a natural person and use these products and services for your own personal use.


Your account number at another bank

We need your account number at another bank to check your identity.

Ser joven tiene multiples ventajas


Subscribe and benefit from your online account and debit card free from any fees or conditions until you turn 28.

Open online account


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You will have the chance of carrying the card on your mobile phone and making instant payments at any store.



Log in to your Digital Banking service 24 hours a day throughout the year from anywhere.

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Check all your products' financial situation at a single glance.



By enabling notifications, you will always be informed of what is happening to your account.


Call us

We offer personalised attention from 8 a.m. to 10 p.m. Monday to Saturday (except holidays).

If you prefer, ask us on social media


Twitter @UnicajaResponde


Facebook Messenger

Are you already a Unicaja Banco customer?

If you are already a Unicaja Banco customer, you just need to request your Digital Banking login passwords.

Digital Banking login password request

FAQs on how to open your online account

Can I subscribe this set of products?

You must be over 18 years of age and reside in Spain to subscribe this account. You must also confirm that you will use this account for your own personal use; in other words, that you will not use it for your economic activity if you are self-employed. Companies may not subscribe this account.

What will I need during the subscription process?

You should have your identity document and mobile phone at hand. We will also need you to remember the number of an account you hold at another bank, so we can identity you.

Can this set of products be subscribed at Unicaja Banco branches?

This product's terms and conditions are exclusively meant for online subscriptions on this page.

Is it necessary to have a salary paid directly into the account or have direct debit bills to avoid?

During the first year, it is not necessary to have any direct payments or debits. Once that first year has elapsed, you will have to meet a series of requirements to maintain your Zero-Fee Plan. Query the Zero-Fee Plan's terms and conditions here. If you are aged between 18 and 28, your account, debit card and access to the Digital Banking service will be free of charge.

Can I make my transactions at Unicaja Banco branches even though I signed up online to become?

Our Virtual Services Centre will attend you by telephone for any query or task you may have. In any case, if you would prefer to have a physical branch to go to, you can select the one that suits you best during the registration process.

If I subscribe online, would I've the same terms and conditions as if I were to subscribe at branch?

No, you wouldn't. The terms and conditions of this set of products are exclusively meant for online subscriptions.

Can I subscribe this set of products if I am already a customer?

No, you cannot. This set of products is designed for new customers who subscribe online.

Electronic subscription terms and conditions

You can get in touch with us on the following numbers to correct any mistakes made when entering the data during the process: 900 151 948 or 952 07 62 63.


Once the contract has been entered into, the documents will be stored in our systems. You can exercise your rights of access, rectification, elimination, objection, restriction to processing and portability, as well as not to be subject to automated decision-making and profiling, by sending written notice thereof to the Unicaja Banco Customer Service Office, which is located at Avenida de Andalucía, 10-12, Malaga (Post Code: 29007), or by sending an e-mail to atencion.al.cliente@unicaja.es.


The contract will be entered into in Spanish.


The contract must be signed on the same day as we place it at your disposal on the signature platform, otherwise the subscription process will expire.

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.