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This number is indicative of the risk of the product, 1/6 indicating a lower risk and 6/6 a higher 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, whose coverage has a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, its equivalent in the currency in question) per depositor and credit institution.

THE REIMBURSEMENT, REDEMPTION OR THE EARLY REPAYMENT OF PART OR ALL OF THE PRINCIPAL INVESTED IS SUBJECT TO FEES OR PENALTIES.

Indicator of risk and alerts about the deposit.

The investment fund has its own level of risk and this may be higher than the risk level of the deposit. You can find this in the KIID (Key Investor Information Document). The risk indicator refers exclusively to the deposit, the investment fund combined with the deposit has its own level of risk. The time horizon of the investment fund is greater than that of the deposit.

 

COMBINED DEPOSIT

Discover our COMBINED DEPOSITS

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Earn up to 0.55% NIR*  

A deposit with a good return if you sign up for an investment fund first**.

Deposit maturity periods

Choose between 13 and 24 months for the return of your capital.

Immediate access to your money

You can cancel your deposit early***.

From €6,000

And up to a maximum of €150,000 in your deposit, with interest being paid on the maturity date.

  • In your deposit
    0,55
    % TAE*
    at 24 months
  • In your deposit
    0,35
    % TAE*
    at 13 months
campana_deposito_combinado

FIND THE RISK AND RETURN BALANCE FOR YOUR SAVINGS

Combined Deposit Types*

The Combined Deposit has two investment types: 50/50 (the deposit and fund percentages are equal) and 30/70 (the fund accounts for a larger percentage than the deposit).

Duration periods

For 50/50 Combined Deposits, the duration is 13 months and for 30/70 Combined Deposits, it is 24 months.

Bonus

The Deposit allows you to receive a bonus if you first sign up for an investment fund (maximum 60 days before) or if you increase the balance of a fund already opened and marketed by Unicaja Banco**.

Flexibility

Choose from our wide range of investment funds, the one that best suits your investor profile.

RETURN

50/50 Combined Deposit

30/70 Combined Deposit

50/50 Combined Deposit new client****

30/70 Combined Deposit new client****

Minimum investment in funds

€ 6,000 (50 % of total investment)

€ 14,000 (70 % of total investment)

€ 6,000 (50 % of total investment)

€ 14,000 (70 % of total investment)

Deposit amount

€ 6,000

€ 6,000

€ 6,000

€ 6,000

Deposit interest rate

0.35 % NIR (0.35 % AER)

0.55 % NIR (0.55 % AER)

0.40 % NIR (0.40 % AER)

0.60 % NIR (0.60 % AER)

Representative example 30/70 (Deposit amount: €6,000)

Term: 24 months

AER 0.60%

Gross interest on the deposit: € 71.70

AER 0.55%

Gross interest on the deposit: € 65.73

Representative example 50/50 (Deposit amount: €6,000)

Term: 13 months

AER 0.40%

Gross interest on the deposit: € 25.97

AER 0.35%

Gross interest on the deposit: € 22.73

Taxation

If you're a resident in Spain, according to current legislation, the interest on this account is considered as income from capital and is subject to a 19.00% IRPF income tax retention.
In accordance with the current law, taxes on the taxable savings base are according to the following tax scale: 19.00% up to €6,000, 21.00% between €6,000 and €50,000 and 23.00% from €50,000.


If you're not a resident in Spain with a valid declaration or certification of non-residence for tax purposes, the tax retention will not be applied.

Contractual process

To sign up for the Combined Deposit, you can come to any Unicaja Banco branch, where we will be delighted to help you.

 

If you prefer, you can also apply for the Combined Deposit by filling in the subscription form and indicating which office you would like to process it in. We will contact you shortly.

 

Remember, if you have any questions or queries, you can call our customer service team+34 901 24 62 46 +34 952 07 62 63.

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