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This number is indicative of the risk of the product, 1/6 being indicative of low risk and 6/6 of 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.

UniVía Savings Account

your dreams are closer with a savings account   

Are you a customer but still don't have your login details?

Competitive interest rate (1)

A 0.75% nominal annual interest rate the first month with an  AER of 0.20%.

No commissions or maintenance fees  

A savings account that offers benefits just for you.   

And now you can operate from your mobile

100% online contract.(2)  

Your money, always available       

You can withdraw money immediately or whenever you want.   

Abrir cuenta univía

make your savings profitable while you're not using them

Monthly interest payments

Benefit from your savings right from day one. You'll see your money increase month by month.   

No minimum amount required to open your account

You choose how much you contribute, right from the start.   

Withdraw money without penalties

Withdraw your savings whenever you want with absolutely no penalties or expenses.

Interest rate

  • First month: 0.75% annual nominal rate for average balances up to 50.000 euros. The excess amount over €50,000 on average balance accrues interest at 0.15% annual nominal rate. 
  • Starting the second month: the average balance accrues interest at 0.15% annual nominal. Additionally, every month during which the average balance is higher than the highest average monthly balance in the account since opening, an annual nominal rate of 0.75% will be applied to the difference between the average balance of the month in question and the highest average monthly balance presented by the account up to that time, to a limit of €50,000. The excess on this €50,000 limit, where applicable, will accrue interest at the nominal annual interest rate of 0.15%. 
  • Representative examples: 
    Average balance of €6,000, the first month accrues interest at 0.75% NIR and from the 2nd month onwards at 0.15% NIR, the AER being 0.20%.
    Average balance of €60,000, in the first month the first €50,000 accrue interest at 0.75% NIR and the remaining €10,000 at 0.15% NIR. In subsequent months, the entire balance (€60,000) accrues interest at an annual nominal rate of 0.15%. In this case, the AER is 0.19%.

Taxation

For natural persons:

  • If you're a resident in Spain, according to current legislation, the interest on this account is considered as income from capital and is subject to a 19.00% IRPF income tax retention. In accordance with the current law, taxes are imposed on the taxable savings base according to the following tax scale: 19.00% up to €6,000, 21.00% between €6,000 and €50,000 and 23.00% from €50,000.
  • If you're not a resident in Spain with a valid declaration or certification of non-residence for tax purposes, the tax retention will not be applied.

Contracting process

You'll be able to open the UniVía Savings Account in less time than it takes to read this. Without getting up from the computer. 

 

You just need an individual account with us in addition to being an electronic banking user. If you're already a customer, but do not have a Digital Banking user account, you can register here

 

What steps should you take? 

  • The account holder should read the pre-contractual information, the general conditions and the specific conditions of the contract that are set out on the Unicaja Banco website.
  • Click on the “OPEN A UNIVÍA SAVINGS ACCOUNT” button on this page. Read the information and conditions of the contract (these can also be downloaded) and fill in the information we ask you to provide.
  • Tell us which of your Unicaja accounts you're going to link to the UniVía Savings Account.
  • Sign the contract with your coordinates card.

That's all there is to it.

 

As soon as you've signed up, you'll be able to make your first transfer to your new account from the account you've linked, from another one of your Unicaja accounts or even from another entity.

PRODUCTS AND SERVICES ASSOCIATED WITH UNIVIA SAVINGS ACCOUNT

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Digital Banking

Access your Unicaja Banco accounts and products from your computer. The perfect tool to help you manage your daily finances.   

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Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and start banking, 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.

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