• - Potentially less performance
  • Potentially more performance +
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • Low risk
  • High risk

This information describes the Pension Scheme and may vary over time. It is calculated on the basis of simulated data that, however, may not be considered to constitute a reliable indication of the future risk profile of the Scheme. The risk profile information of each Scheme is available at The scale of risk of the pension schemes promoted ranges from 1 to 7.  

Collecting the pension payments or exercising the redemption right is only possible in the case of any of the contingencies or exceptional liquidity cases governed by the regulations on Pension Schemes and Funds taking place.



The value of the mobilisation fees, of the pension payments and the exceptional cases of liquidity depend on the market value of the Pension Fund assets and this may cause relevant losses.


If you change, your Plan does too.

Are you a customer but still don't have your login details?

With You Pension Plans

A range of four Pension Schemes with different retirement horizons, based on a Life Cycle investment strategy.


You can modify your periodic payments or make extra payments whenever you want.


Maximise your savings according to your investor profile.

Tax benefits

Reduce your IRPF taxable income base based on your contributions to the pension plan. Check the tax benefits of pension schemes here.

How do you know which plan is right for you?

Plan de pensiones de Unicaja entre 30 y 37 años

If you are between 30 and 37 years old


If you are between 38 and 45 years old


If you are between 46 and 53 years old


If you are between 54 and 61 years old


As in your case, we are concerned about the future and, although your retirement may seem far away, it is a good moment to take advantage of your Pension Scheme with a periodic contribution.


  • Generate an orderly saving habit with the amount you choose.
  • You may make periodic contributions from very small amounts.
  • Enjoy a reduction in your taxable base.  

If you already have a Pension Scheme, but you want to bring it to Unicaja Banco, you may enjoy a great variety of Pension Schemes.


Choose the one that best suits your needs:

  1. Fixed yield Pension Schemes: Uniplan Fixed Yield and Uniplan Horizon 100.
  2. Mixed yield Pension Schemes: Uniplan, Uniplan IV and Uniplan III.
  3. Variable yield Pension Schemes: Uniplan Global and Uniplan Variable Yield.


Security for your retirement

Continue to enjoy your present living standard when you retire.

Flexibility in your periodic and extraordinary contributions

Choose the amount of your contributions and their frequency. You may also make extraordinary contributions and may even suspend your contributions temporarily or indefinitely without losing any right as a participant.

Profitability according to your investment vocation

You may choose the scheme that is most convenient for you according to your investment profile.

Tax profit according to your contributions

The contributions to Pension Schemes are deducted directly from the taxable base, and the loans received for Pension Schemes are integrated in the taxable base and have the status of revenue from personal work.

Non operational PF settlements

Contracting process

To contract our  Pension Plans, you can go to  any of our Unicaja Banco branches, where we will be delighted to help you.


If you prefer, you can also apply for a Pension Plan filling out an application form and indicating at which branch you'd like it to be processed. 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.



Digital Banking

Access your Unicaja Banco accounts and products from your computer. The perfect tool to help you manage your daily finances.   


Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and start banking, wherever you are.   

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

ATMs and Branches
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