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.


Become a customer

Follow the steps we set out below

Take advantage of this fee-free pack(1), which includes

Current Account

Current Account

Your money will always be available whenever you need it. You can also make your regular direct debit payments and have your usual income paid directly into your current account(1)

Contactless Debit Card

Contactless Debit Card

Make secure payments conveniently at shops as well as ATM debit cash withdrawals. You can additionally carry it on your mobile phone.

Digital Banking

Digital Banking

Make all your usual transactions and queries from anywhere that has Internet access at unicajabanco.es or on our Unicaja Banco app, which is available for iOS and Android.

Zero Plan

Zero Plan

Performing your most common services will cost you nothing. You will be exempted from account, card and wire transfer maintenance fees. Query the account's terms and conditions.

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.


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 will only use that account to check your identity.




Enter your contact data to create a password to access 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.


Identify yourself with the IBAN of an active account you hold in Spain at another Bank.


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.

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: 952 076 263.


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.

The 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:

  • Administration and maintenance fees of the account opened through online registration.
  • Fee for non-urgent transfers denominated in euros and charged to the account mentioned above between payment accounts of customers in the SEPA made by the customer, provided they are performed on UniVía, Unicaja Banco mobile app or ATMs.
  • Issuance and maintenance fees of the debit card subscribed through online registration.

In order to benefit from the exemption of fees as from the second year, the customer must be under 28 years of age or otherwise meet the Zero Plan's requirements, which consists of meeting two basic requirements that must be fulfilled simultaneously, plus either one of the two optional requirements, as set out in detail below:



• 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 counting from each fee's settlement date.

(*) "Recurrent deposits" is construed to mean any deposits made 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 payment of cheques into the account.

• Consumption on credit or debit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 or at least two transactions per month using said cards in the preceding twelve months counting from each fee's settlement date.


OPTIONAL REQUIREMENTS (only one of them must be fulfilled):

• Balances of demand accounts, investment funds, pension plans and savings insurance subscribed through Unicaja Banco or brokered by it of which the customer is the holder for a total amount equivalent to or greater than €6,000.

• Having taken out at least one insurance(**) policy through Unicaja Banco or brokered by it of which the customer is the policyholder. This includes all kinds of insurance (home, automobile, etc. insurance) marketed by Unicaja Banco, except savings insurance (which is already envisaged in the preceding option).

(**) 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.


If the requirements are not met, see the Zero Plan's terms and conditions(2)


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.

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