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.
Risk score related to the account.
An account for every moment and financial need
If you're between 18 and 27 years old, this is the account for you. An account which allows you to think about the future, while living in the present.
No maintenance or principal service fees if requirements are met1
Free young Contactless Debit Card
Endless privileges
Mobile banking service
A basic account for common operations. Free Basic Payment Account in a special situation of vulnerability or risk of financial exclusion.
Account for natural persons, for private use2
The holder may not have another account3
Direct deposit your paycheck at Unicaja and benefit from all the advantages offered by this service.
Exclusive advantages
Better bonuses
Benefit from ZERO fees on the most common services if the Plan's terms and conditions are met.
Save without any worries or fees and use your money whenever you need it5.
Choose the method which best suits you, set up your piggy bank and automatically save the amount you want little by little.
No maintenance or administration fees.
Fully online subscription6
(1) Provided the customer who is the account's primary holder meets all the requirements set out below, the Youth Account will be exempted from maintenance, wire transfer, giro and other euro-denominated payment order fees charged to the account between customer payment accounts located in the SEPA, as long as they are done through the Digital Banking service (Unicaja website or app) and are not urgent, immediate or FMO (Fund Movement Order) transfers, as well as from fees for depositing euro-denominated Spanish cheques. The requirements are as follows:
Where all the aforementioned requirements are not met, the maintenance fee shall amount to €60.00 a year (settled on a quarterly basis) and the fees for said transfers and deposits of euro-denominated Spanish cheques set out in the Informative Document on Fees shall be applied.
Any natural person aged between 18 and 27 may open a Youth Account.
APR 0.00%. AER: 0.00%. Without interest. For a case in which all the requirements are met, the account shall be exempted from the maintenance fee.
APR 0.00%. AER: -0.996% for a case in which the requirements are not met and a balance of €6,000 is kept in the account for a year, the account maintenance fee amounts to €15 per quarter.
(2) To open a Basic Payment Account, there is no obligation to purchase another product or additional service.
(3) To open this account, the holder must declare that they have no payment account at any other bank in Spain.
(4) Account with no maintenance or administration fees: APR of 0% and AER of 0%. This account can only be used for transfers between Unicaja accounts having the same holder. It does not allow cards, direct debits, cheque payments, overdrafts, bills, loans, or cash deposits or withdrawals. Only one account per customer.
(5) Availability of funds: You can always gain access to your funds. You must only take into account that the transfer orders for your savings as well as fund withdrawals from your Piggy Bank Savings Account's piggy banks will be completed the following day.
(6) Subscription terms and conditions: Subscribing a Piggy Bank Savings Account is a fully digital process. The only thing you need is an active Unicaja current account of which you are the holder with full signing rights.
This allows you to generate the IBAN, the international bank account number, of a bank account.
Your branch, online. Consult and carry out all your banking operations without worrying about opening hours or queues.
Your Unicaja accounts and products always at hand. Anytime, anywhere.
Can we help you?
Also at 952 076 263 or through the contact form.
Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
Or through our social networks:
