(1) Account with no opening or maintenance fees, 0% APR.
(2) This account do not offer any return in cash. One point (maximum of 15 points a month) is awarded for every net monthly increase in the balance of €10).
Maximum AER of 1.110% calculated, assuming a net monthly increase in the balance of €150, earning a total of €1,800 over a twelve-month period with a return in kind of 180 points without any maintenance fees and if all the points earned are exchanged for items in the Fun Catalogue at the end of the settlement period in question. A return of one point is equivalent to €0.06 (including VAT and Capital Gains Tax).
0% AER if the account records no net monthly increase.
Exchanging points for items in the catalogue is subject to taxation and deemed as a return in kind for assigning one's own capital to third parties according to Article 25(2) of Act 35/2006 on Income Tax which is in force. Unicaja Banco 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. If the item chosen is unavailable, Unicaja Banco will reimburse the points exchanged. Ask about the terms and conditions at your branch.
(*) Exclusive promotion for new customers from 0 to 13 years of age valid until 31 December 2020.
(**) Promotion limited to each customer holding a Treasure Passbook benefitting from it only once. Valid until 31 December 2020.