1 / 6

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


Risk indicator and deposit alerts.

The portfolios that comprise the Savings Insurance in "Unit Linked" mode choice have their own risk level and this may be higher than that of the deposit. You may consult your KID (Key Information Document). The saving insurance taker bears the risk of the investment and losses may arise. The risk indicator refers exclusively to the deposit. The Savings Insurance in "Unit Linked" mode choice combined with it has its own risk level. Its time horizon exceeds that of the deposit. 


Discover our "Unit Linked" combined deposits

Are you a client and do not have access codes?

Obtain a stable, safe yield with this fixed term deposit

You may obtain a profitability of 0.35% N.I.R.* from your deposit if you previously subscribe Choice Savings Insurance in "Unit Linked" mode**

Settlement of interest at terms

In your 13 month deposit.

Two possibilities to choose savings insurance

Choose Choice Savings Insurance in the "Unit Linked" mode** that suits you best: Univida Ahorro Elección or Univida Ahorro Elección Pias.

Combine a term deposit and Choice Savings Insurance in "Unit Linked" mode

Assign 50% of the total amount invested in Choice Savings Insurance in "Unit Linked" mode.


Invest flexibly to make your money grow

Fixed term deposit from € 6,000

And up to a maximum of € 150,000, in 13 months, with interest payment at maturity.

Divesting your investment

On subscribing a fixed term deposit with your initial investment to obtain a yield and a Choice Savings Insurance "Unit Linked" mode, you will take advantage of these.


"Unit Linked” Combined Deposit

Min. investment in Choice Savings Insurance “Unit Linked” mode

6,000€ (50% of the total investment)

Amount deposited

6,000 €

Interest rate on deposit

0.35 % NIR (0.35 % AER)*

Representative example

Amount of deposit: € 6,000

A.E.R. 0.35%

Term: 13 months

Gross interest of the deposit: € 22.73


For residents in Spain, the interest on such deposits are considered capital gains and subject to withholding to account of Personal Income Tax of 19.00% pursuant to the legislation in force.

They are taxed on the taxable base of the savings according to the following levy scale: at 19.00% up to 6,000 Euros, at 21.00% to 6,000 to 50,000 Euros and at 23.00% above 50,000 Euros, pursuant to the legislation in force.


The Tax Withholding shall not be applied to non-residents in Spain with declaration of tax non-residence in force.

Subscription process

To sign up for the "Unit Linked" 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 this product 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 or +34 952 07 62 63.


The services of the 901 and 902 lines have special rates that may vary according to the telephony operator. We advise you to consult your telephone company regarding the modes and rates in force for calls to these numbers.

Can we help you?

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

ATMs and Branches
Fill in the form


Combined Deposit

Combined Deposit

A deposit that offers you a higher return if you combine it with an investment fund.

See Combined Deposit
UniVía Deposit

UniVía Deposit

A deposit that allows you to capitalise on savings in a convenient and safe way. Contract one through Digital Banking.

See UniVía Deposit
Digital Banking

Digital Banking

Make everyday life more comfortable with our Digital Banking system, accessible 24 hours a day, every day of the year.

Digital Banking ADVANTAGES

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.