(1) Promo valid for the first 10,000 new customers aged between 18 and 29 years with Bizum until 31 August 2026. The in-kind incentive valued at €90 will be handed over to the customer over the course of three months at the amount of €30 per month. Incentive not refundable in cash. Gift voucher code valid until 31 January 2027 (redemption and use) Consult the promotion's rules here and its plans at viviralouni.com.
(2) Promotion valid until 31 December 2026 for new Bizum users at Unicaja. They will be able to obtain a 5% refund on purchases made with Bizum from online merchants for six months up to a gross amount of €20 per month (€16.20 net) and up to a gross total amount of €120 (€97.20 net). Cancelled or returned purchases do not count. Consult the rules here.
(3) This offer is solely aimed at people who have not had any Unicaja product or service in the last twelve months. Only one account per person may be opened. A gross annual amount of €250 will accrue as interest in the first year at an AER of 1.2572% (APR of 1.25%) without any maintenance or administration fees, provided a constant average balance of €20,000 is kept. Once this period has elapsed, the return will amount to an AER of 0.00% (APR of 0.00%) without accruing any interest. Interest will be paid on a monthly basis and taxed as investment income in accordance with prevailing legislation. The offer will remain in force until 30 June 2026. You will likewise be exempted from paying any maintenance and administration fees, as well as from standard and immediate wire transfer fees for any euro-denominated transfers made between customer payment accounts in the SEPA through the Electronic Banking service, the Mobile Banking service or Unicaja ATMs. Fund movement orders (OMF) processed through the Bank of Spain are excluded from this offer. In addition, a promotion will remain in force until 30 June 2026 for new customers who get a salary or pension of a net monthly amount equal to or greater than €600 paid directly into their account or who directly debit self-employed social security contributions equal to or greater than €50, provided they have not been directly paid or directly debited at Unicaja in the last twelve months. This promotion envisages an incentive totalling a net amount of €283.50 for any salaries or pensions between €600 and €1,199, or a net amount of €364.50 for those which are equal to or greater than €1,200, as well as for customers who directly debit their self-employed social security contributions, all of which will be according to the rules which may be consulted here. Joining this promotion requires signing a twenty-four-month permanence commitment and meeting the terms and conditions within at most three months. The amounts received will be deemed as investment income and subject to taxation. In addition, a 1% refund of the total amount of directly debited bills that are charged to the account in each settlement period will be applied with a gross annual limit of €200. Only water, gas, electricity and telecommunications bills will be counted for such purpose. This bonus may not be combined with other promotions of a similar nature and its amount will also be subject to taxation as investment income according to prevailing legislation.
(4) Exemption from transfer fees for standard and immediate euro-denominated transfers between payment accounts of customers located in the SEPA made on the Unicaja Electronic Banking service, Mobile Banking service or its ATM network. Fund Movement Orders (FMOs) made through the Bank of Spain are excluded from this exemption.
(5) Only people aged under 30 may sign up for a Youth Mastercard Contactless Debit Card. Maintenance fee: €0 per year. Issuance fee: €0.
(6) The fee for foreign currency payments is included by increasing the amount of the purchase and subsequently, in the case of over-the-counter purchases, the fee is refunded by crediting the customer's account.
(7) The first three debit cash withdrawals per month from ATMs belonging to other institutions and abroad made with a card are exempt from any Unicaja fees. The institution owning the ATM abroad may, however, charge a fee. Find out where you can make free debit cash withdrawals from ATMs in Spain with a card here.
(8) Promotion valid for natural persons of legal age who are Unicaja customers, holders of at least one demand account at said institution and Digital Banking users. You must sign up for the promotion by signing the "Registration Document", which will be available until 30 September 2026, and share the code with your relatives or friends who are not Unicaja customers (for this purpose, any person who has been involved in any way with some kind of Unicaja product and/or service in the last 12 months will not be construed as a "New Customer"). In order to receive the benefit amounting to €50, the person thus invited must meet the following requirements: be a natural person of legal age, be a new customer of the institution, open an account and be the main account holder thereof, redeem the code provided by their host, and get a salary or pension equal to or greater than €600 directly deposited into the account or directly debit self-employed social security contributions equal to or greater than €50. As regards the HOST, the incentive is deemed for tax purposes as a capital gain not subject to a Personal Income Tax withholding or payment into account, without detriment to any possible tax benefits for making donations that the HOST may claim in the relevant tax return. The customer will be liable for fulfilling any obligations they are legally subject to and Unicaja will thus be held harmless from any such liability. For further information, you can consult the promotion's rules and requirements here.
