1 / 6

This number is indicative of the risk of the product, with 1/6 indicating 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, the equivalent in the relevant currency) per depositor and credit institution.

Risk score related to the account.


You may perform the most common operations if you fulfil the subscription requisites

Are you a client and do not have access codes?

Account for natural persons, for private use(1)

This account may only be held by natural persons who are legally resident in the European Union, as well as asylum applicants or persons who do not hold a resident’s permit, but whose expulsion is not possible for de jure or de facto reasons, who do not hold a payment account in Spain.

A basic account for common operations

This allows the following operations to be performed: opening, use and closing an account, deposits, transfers (including permanent orders), bill standing orders, cash withdrawal at branches or automatic tellers in the EU, and making payments with debit or prepaid cards, including online payments. 


Requisites for subscription

You cannot hold a payment account with a payment service provider that allows you to make use of the admitted services that are listed below and it may only be contracted(1) by natural persons who are consumers with a purpose other than their commercial, entrepreneurial, trade or professional activity:

  • Legal residents of the European Union.
  • Asylum applicants or
  • Persons without a resident’s permit, but whose expulsion is not possible for de jure or de facto reasons.


This account does not allow authorisees to be appointed.


To subscribe the basic payment account, there is no obligation to acquire another product or service, except for the electronic banking service, including the debit or prepayment card.

Account services

The holders may only use the following services and payment operations:

  • Opening, using and closing the account.
  • Deposits in the account.
  • Withdrawing cash from the branch or from automatic tellers in the EU.
  • EU transfers, including permanent orders.
  • Standing orders for bills or direct debits.
  • Payment operations by debit or prepaid card, including online payments.
  • The client shall not receive a chequebook or promissory notes and the account does not allow account overdrafts to be generated, nor any withdrawal that gives rise to a debit balance. 

Subscription process

The required documentation to open a basic payment account is as follows:

  1. Client with legal residence in the EU including those without fixed abode: They must submit their identity document (National Identity Card, passport or resident’s card).
  2. Asylum Seeker: Must produce their asylum seeker’s card.
  3. Clients who do not have a resident’s permit but whose expulsion is impossible for de jure or de facto reasons: In addition to their passport, the client must provide a document to prove that status.


To be able to open the Basic Payment Account, you may go to any of our offices at Unicaja Banco, where we will be pleased to attend you.


If you prefer, you may also apply for the Basic Payment Account by filling in the subscription form and stating which branch you want to process it at. We shall contact you shortly.


Remember that, if you have any doubts or queries, you may call our customer care service: +34 901 24 62 46 or +34 952 07 62 63.

Charges and commissions

Non-remunerated account, annual creditor interest rate 0.00 %(2)


Account maintenance commission: 36 €/year (3 euros per month).

The account liquidation is performed on a monthly basis.

The client may perform up to one hundred and twenty (120) payment operations each year within the European Union consisting of standing orders and transfers, even those performed by permanent orders, at the Unicaja Banco branches and, by formalising the relevant service contract for remote banking, by the latter, as well as an unlimited number of operations related to the rest of services linked to the Basic Payment Account, without commissions being attracted due to such payment operations other than the maintenance commission stated above.


Each one of the payment operations consisting of standing orders and transfers, including those performed by permanent orders that exceed the limit stated in the preceding paragraph shall attract at least the average commissions or expenses applied by the bank for each operation.

With regard to cash withdrawal on debit by card at automatic tellers, the bank may apply the commissions or expenses that must be paid to a third-party bank to the client as a consequence of the terms foreseen in additional provision two of Royal Decree Act 19/2018, of 23rd November, on payment services and urgent measures in financial matters.



Digital Banking

Access your Unicaja Banco accounts and products by computer. The perfect tool to manage your day-to-day finances.


Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and perform banking operations 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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Contactless Debit Card

Contactless Debit Card

The safest and most convenient way to carry your money with you, useful for purchases and cash withdrawals at ATMs and in branches. Free for the first year.

See Contctless Debit Card
UniPay Bizum App

UniPay Bizum App

Settle up with your friends instantly. Send and receive money to your registered contacts in the app using your mobile.

Prepaid Card

Prepaid Card

The card that allows you to operate freely and with greater peace of mind as it is not associated with any current account.

See Prepaid Card

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