Direct salary deposit into account

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(1) Promotion valid until 30 June 2024. For any people who directly deposit their salary or pension at Unicaja for an amount between €800 and €1,199 (bonus of €150) or more than €2,000 (bonus of €250), sign up for the promotion during the time the campaign is in effect and sign permanence commitment to the institution of 24 months. This incentive is subject to taxation and deemed as earnings from the transfer of monetary assets to third parties according to Article 25(2) of Act 35/2006 on Income Tax which is in force. Unicaja will withhold income tax and pay it according to Article 74(2) of the Income Tax Regulation, without passing on the costs of this payment to the customer. Consult the promotion's terms and requirements here.

"Salary" or "Pension" is construed to mean income from regular payments identified as such from private companies or public bodies. Unemployment benefit payments, wire transfers from other entities whose reference of origin is other than that of salary or pension, cash payments, cheques or transfers from other accounts are not deemed as a "salary" or "pension". This promotion is deemed an investment return for tax purposes and is subject to a tax withholding according to the tax regulations that are in force, which shall be made by the institution Unicaja Banco, S.A. with VAT Reg. No A-9313905 and registered office in Malaga at Avenida de Andalucía 10-12.

(2)  If you have your salary directly paid into a Remunerated Online Account, Playstation Online Account or Real Madrid Online Account, the authorised overdraft will be granted where there have been salary payments meeting the required amount over the course of three consecutive months.

(3) The Zero-Fee Plan exempts your accounts from any maintenance and administration fees, except for Flat Rate or Comfort Accounts, as well as from any issuance fees for any euro-denominated wire transfers the customer makes from their accounts on the Digital Banking service (Unicaja Banco website or app) or ATMs to customer payment accounts located in the SEPA (excluding immediate wire transfers and Fund Movement Orders, also known as FMOs, made through the Bank of Spain) and the maintenance fees of credit cards held by the customer that are designated by them.
You may benefit from the advantages offered by the Zero-Fee Plan provided you fully fulfil either of the two options described below:

Option 1
Two basic requirements plus one of the optional requirements, at the customer's choice, must be fulfilled.

BASIC REQUIREMENTS (must be fulfilled simultaneously):

• Salary, pension or unemployment benefit deposited directly into the account on a monthly basis for a net amount equivalent to or greater than €600 or recurrent deposits^(*) equivalent to or greater than €7,200 in the last 12 months with a monthly deposit in at least six of the twelve months counting from each fee's settlement date.
• Consumption on credit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 per year or at least two transactions per month using said cards counting from each fee's settlement date.

(*) "Recurrent income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja of which they are the main holder with a frequency of at least one monthly transaction in six of the twelve months through deposit transactions — except over-the-counter or ATM cash deposits and wire transfers made between accounts held by the same CUSTOMER —, wire transfers from other institutions and/or handling or clearing of cheques.

OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):

• Balances of current accounts, term deposits, investment funds (including Discretionary Investment Portfolio Management), pension plans and saving insurance subscribed through Unicaja or brokered by it of which the customer is the holder for a total amount equivalent to or greater than €6,000.
• Having taken out from the institution one or several insurance policies^(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €100.
  

Option 2

The basic requirement plus one of the optional requirements, at the customer's choice, must be fulfilled.

BASIC REQUIREMENT

• Balances of investment funds (including Discretionary Investment Portfolio Management), pension plans and saving insurance subscribed through Unicaja or brokered by it of which the CUSTOMER is the holder for an amount equivalent to or greater than €20,000.

OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):

• Consumption on credit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 per year or at least two transactions per month using said cards counting from each fee's settlement date.
• Having taken out from the institution one or several insurance policies^(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €200.

(**) Insurance taken out through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.

AER of 0.00% calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00% if all the terms and conditions of the Individual Zero-Fee Plan are met; in other words, considering the account and credit card administration and maintenance fees are set at €0.00. Without interest (Consult the Zero-Fee Plan's Terms here).
Typical examples without meeting the terms and conditions of the Individual Zero-Fee Plan and considering a maximum administration fee of €9 per quarter, an account maintenance fee of €30 per quarter and an annual credit card maintenance fee of €44:
AER of -3.301% calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00%. Without interest.

AER of -9.710% calculated for an account having a constant balance of €2,000 over the course of a year at an APR of 0.00%. Without interest.

The Individuals' Zero-Fee Plan and the benefits it provides will have an indefinite duration. Unicaja reserves the right to cancel said Plan and its benefits or to amend its terms and conditions from time to time, due notice of which shall be given according to the governing legislation.

(4) No fees on any ordinary euro-denominated wire transfers made through online channels in the SEPA area (within Spain or destination countries within the Common European Area).