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
Up to an extra €600!
And a €100 cashback on your bills
Only for new online customers!
Monthly remuneration¹
AER: 2.018%. The maximum average balance to be remunerated is €30,000.
No fees
No maintenance or administration fees, not even for making ordinary wire transfers².
Cashback on your bills³
Get up to €100 a year. If you get your salary directly deposited into your account, we reimburse you 1% of your main bills (water, gas/electricity and telecommunications).
Only for new online customers
This offer is only valid for new online customers. Join Unicaja and enjoy more exclusive benefits!
Fully online application
Opening the Unicaja Remunerated Online Account is very easy and can only be done online in six steps that will take you just a few minutes.
No need for a salary
No requirements at all, just for being a new Unicaja online customer.
FEE-FREE Debit Card
Your online account comes with a debit card that is free from any issuance or maintenance fees which allows you to make your day-to-day purchases and withdraw debit cash from over 14,000 Unicaja ATMs⁴.
We recommend you open the account on your mobile phone because the camera is surely better. You can start opening the account by scanning the following QR code with your mobile phone:
Join more than 4 million customers
Grab this chance and open an online account brimming with benefits that is free from any fees and which you can only open online in just a few minutes.
Bring your account to Unicaja easily and effortlessly
We take charge of it all, ranging from salary and pension payments to bills for basic services, taxes, rental payments and insurance premiums.
Open your online account at our bank, become a customer and benefit from the account transfer service, which is totally free.
Enjoy a hassle-free transition!
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Our customers are entitled to unique privileges
Open your online account and enjoy discounts and sensational privileges at IKEA, Másmóvil, Yoigo, SICOR alarmas El Corte Inglés... You can even purchase an electric vehicle at a discount without waiting for delivery time scales.
Thanks to our agreements, you can get significant discounts on your Internet, mobile phone, alarm, etc. bills.
You'll love our Digital Banking service
Because it is easy-to-use, secure and facilitates day-to-day tasks, such as sending a Bizum, paying at shops, making a transfer, etc.
All this can be done on your mobile phone or computer and is always at your disposal.
Connect to your banks
Did you know that you can query your other banks on the Unicaja Digital Banking service?
Our innovative financial aggregator allows you to manage and query your accounts from Unicaja as if you were at your other banks.
Simply connect them through our Digital Banking service and view all your finances from a single place without having to access each bank separately. Moreover, this service is completely free.
No, you don't because we will give you interest at an APR of 2% of your average monthly balance in the Remunerated Online Account as remuneration even if you do not have your salary directly deposited into it. The maximum balance to be remunerated is €30,000.
You must be over 18 years of age, reside in Spain and be a new customer to subscribe this account. Any natural person who has not had any Unicaja Banco service and/or product in the last 12 months will be deemed a "new customer".
This account is solely for the use of individuals and you must confirm this is the case. If you are self-employed, you may not use it for your professional affairs.
If you directly debit your main bills (water, gas, electricity or telecommunications) to the Remunerated Online Account, you will obtain a 1% cashback of their amounts. These reimbursements will be paid into your account and can add up to at most €100 a year.
In order to be able to verify you are really you without requiring you to go to a branch, we perform a video identification process.
You just need to ensure that the device you are using to perform your Remunerated Online account's subscription is equipped with a camera.
During the video identification phase you must show:
No, because the terms and conditions of this product package are exclusively meant for online subscriptions of the Remunerated Online Account and online transactions.
Easy-to-read small print:
(1) Exclusive terms and conditions for new online customers who are natural persons and for new registrations as from 11 April 2024. For these purposes, any natural person who has not had any Unicaja Banco service and/or product in the last 12 months will be deemed a "new customer". Only one Remunerated Online Account per customer is allowed.
Typical example: AER of 2.018% in the case of an average monthly balance of €30,000 at an APR of 2.00%. Gross interest amounts to €50 a month with monthly settlements. No maintenance or administration fees. In order to calculate the AER, Observation c), Annex 7 of Bank of Spain Circular No. 5/2012 has been taken into account, by virtue of which a year is deemed to have twelve normalised months. A normalised month has 30.41666 days (in other words, 365/12), regardless of whether or not the year in question is a leap year.
(2) Exemption from transfer fees for non-urgent euro-denominated transfers between payment accounts of customers located in the SEPA made on the Unicaja Electronic Banking service, Mobile Banking service or its ATM network. Immediate transfers and Fund Movement Orders, also known as FMOs, made through the Bank of Spain are excluded from this exemption.
(3) A cashback amounting to 1.00% of the sum of all directly debited bills charged in the settlement period will be given up to a maximum limit of €100 a year. Only water, electricity, gas and telecommunications bills will be calculated for this purpose.
The interest received and cashback on directly debited bills are subject to taxation and deemed for tax purposes as income from moveable capital obtained from the transfer to third parties of one's own capital according to Article 25(2) of Act 35/2006 on Income Tax. They are subject to a tax withholding at the current withholding rate pursuant to Articles 74(1) and 75(1) of the Personal Income Tax Regulation.
(4) Debit card without any issuance or maintenance fees. Debit cash withdrawals without any fees for using the card at ATMs belonging to the following networks at these provinces:
Online 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 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.
Informative documents Remunerated Online Account
