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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.
THE REIMBURSEMENT, REDEMPTION OR THE EARLY REPAYMENT OF PART OR ALL OF THE PRINCIPAL INVESTED IS SUBJECT TO FEES OR PENALTIES.
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.
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**
Immediate liquidity
Possibility of early cancellation*** of your fixed term 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.
And up to a maximum of € 150,000, in 13 months, with interest payment at maturity.
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
“Unit Linked” Combined Deposit, new client ****
Min. investment in Choice Savings Insurance “Unit Linked” mode
6,000€ (50% of the total investment)
6,000€ (50% of the total investment)
Amount deposited
6,000 €
6,000 €
Interest rate on deposit
0.35 % NIR (0.35 % AER)*
0.40 % NIR (0.40 % AER)
Amount of deposit: € 6,000
Term: 13 months
A.E.R. 0.35%
Gross interest of the deposit: € 22.73
A.E.R. 0.40%
Gross interest of the deposit: € 25.97
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.
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 the "Unit Linked" 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 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.
(*) 0.35 % A.E.R. for an amount of € 6,000 at 13 months, with an interest liquidation at maturity if it fulfils the requisites. Offer valid until 30 September 2019. The requisites to be fulfilled are: 1- Having previously subscribed (a maximum of 60 days prior to subscribing the fixed term deposit) a Choice Savings Insurance in "Unit Linked" mode, marked by Unicaja Banco or having increased its balance and maintaining it until the fixed term deposit has matured. 2- Being the holder of an account at sight open at Unicaja Banco. Combination: 100 % of the total investment = 50 % of fixed term deposit + 50 % Choice Savings Insurance, "Unit Linked" mode. Minimum total investment: € 12,000 (fixed term deposit of € 6,000 and Choice Savings Insurance "Unit Linked" mode € 6,000). Maximum amount of the investment: the limitation is only applicable to the fixed term deposit (€ 150,000) the maximum contribution not being limited to the Choice Savings Insurance in "Unit Linked" mode. The baskets that comprise the savings insurance in Unit Linked mode have their own level of risk and it may be higher than that of the fixed term deposit. In the event of full early cancellation of the fixed term deposit, a penalty of 0.05% is charged and the interest rate to be applied in this case shall be lower, without losing the capital invested in the fixed term deposit in any case. Partial early withdrawal is not allowed.
(**) Choice Savings Insurance "Unit Linked" mode subscribed with Unicorp Vida Cia. de Seguros y Reaseguros S.A. Insurance subscribed through Unimediación, S.L. related Banking-Insurance Operator, registered on the Special Administrative Register of Insurance Mediators, Reinsurance Brokers and their top management, kept by the Directorate General of Insurance and Penson Funds (Inscription number OV-0010), acting through the Distribution Network of Unicaja Banco, S.A. Civil Liability Insurance subscribed pursuant to Act 26/2006 of 17th July. It has financial capacity pursuant to the legislation in force. You may consult the insurance companies with which Unimediación S.L. has subscribed an agency agreement at www.unicajabanco.es/seguros. You may consult the KID (Key Information Document) regarding the Unit Linked product: www.unicajabanco.es.
(***) If you cancel the deposit prior to maturity, you will receive a yield for the time elapsed from the date of opening until the calendar day immediately prior to the day of cancellation of 0.03% A.E.R. (AER calculated for an amount of € 6,000 for a term of 13 months) and a early cancellation commission of 0.05% shall be applied. Partial early withdrawal is not allowed.
(****) New client (maximum prior registration at the bank two months prior to opening the fixed term deposit).
Unicaja Banco, S.A. Avda. Andalucía 10-12, 29007 Malaga. Registered at the Business Registry of Malaga, Volume 4,952, Book 3,859, Section 8, Sheet MA-111580, Folio I, Inscription I, T.I.N.: A93139053.
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A deposit that offers you a higher return if you combine it with an investment fund.
See Combined Deposit
A deposit that allows you to capitalise on savings in a convenient and safe way. Contract one through Digital Banking.
See UniVía Deposit
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