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Peace of mind

A PIAS (Systematic Individual Savings Plan) savings insurance(1) which allows you to accumulate capital for a future life annuity.

Total liquidity

You can surrender all or part of your capital (2) at any moment with no penalty fee.

Tax benefits(3)

Return on your savings exempt from taxation.(3)

Guaranteed interest rate

Reviewable by calendar quarter.

Solicitar uniahorro sistemático

More peace of mind for you and your family

From €30 per month*

With the Uniahorro Systematic Savings insurance policy you can save flexibly with periodic and/or extraordinary contributions from €30 per month. At the end, you can convert the accumulated capital into a life annuity without having to pay tax on the returns.

Peace of mind

In the event of death, the beneficiaries will receive additional capital in addition to the capital saved, consisting of 2% of this capital up to a maximum of €12,000.

Contracting process

To take out a policy for Uniahorro Systematic Savings Insurance, come to any of our Unicaja branches, where we will be delighted to help you.


If you prefer, you can also apply for Uniahorro Systematic Savings Insurance filling out the application form and indicating at which branch you'd like to process it. We will contact you shortly.


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

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