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This number indicates the risk of the product, 1/6 indicates 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, its equivalent in the relevant currency) per depositor and per credit institution.
The commitment to repay the amount invested is only at maturity and an early sale may result in losses.
The repayment, redemption or early reimbursement of part or all of the amount invested is subject to fees and penalties.
Online sign-up
Open a UniVía Deposit account when and where you want through our Digital Banking platform.
Instant access to your money without penalty
Cancel you deposit before its maturity date without any penalty fees at any of our branches(1).
No automatic renewal
Choose between 1, 3 and 6 months for the return of your capital.
From €6,000
Receive your interest monthly or at your deposit's maturity date.
For both natural persons and legal entities, the interest generated by the UniVía Deposit has an IRPF (Personal Income Tax) withholding tax in accordance with current legislation (5).
You can sign up for the UniVía Deposit at any time through our Digital Banking or by calling the customer service number +34 952 07 62 63.
6 months
AER
0.02 % (2)
3 months
AER
0.02 % (3)
1 month
AER
0.01 % (4)
Whether you're an individual or a company, you'll be able to open a UniVía Deposit account in less time than it takes to read this. Without leaving your computer.
You just need an individual account with us or be authorised to use a company account, in addition to being an Digital Banking user. If you're already a customer, but do not have a Digital Banking user account, you can register here.
What steps should you take?
That's all there is to it.
(1) The cancellation of all the deposit's principal does not involve a penalty. In the case of a partial early drawdown, a penalty of 0.5% will be charged on the nominal amount drawn down early for the period running between the drawdown date until maturity.
(2) Nominal annual interest rate of 0.02%. AER of 0.02% for an amount of €6,000 at 6 months with settlement of interest at maturity (gross interest of €0.60 is obtained in this example).
(3) Nominal annual interest rate of 0.02%. AER of 0.02% for an amount of €6,000 at 3 months with settlement of interest at maturity (gross interest of €0.30 is obtained in this example).
(4) Nominal annual interest rate of 0.01%. AER of 0.01% for an amount of €6,000 at 1 month with settlement of interest at maturity (gross interest of €0.05 is obtained in this example).
(5) If you're a resident in Spain, according to current legislation, the interest on this deposit is considered as income from capital and is subject to 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. According to current legislation, for corporate income tax payers, interest on this type of deposit is subject to 19.00% IRPF income tax retention.
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See Mastercard Credit CardFor 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.