1 / 6

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

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Account

Your associated account without maintenance fees1.

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Card

Your credit card with no maintenance fee2.

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Online transfers

Carry out the transfers you require with no issuance fee3.

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Conditions

Enjoying the Fee-Free Plan is a lot easier than you think.

Fee-Free Plan Fee-Free Plan

NOW THAT'S A PLAN!

Get your salary, pension or unemployment benefit paid directly into your account and fulfil the other conditions of the Requirements section.

You'll thus form part of the Zero Fee Plan and won't have to pay the maintenance fees of your account and card or any wire transfer fees. Performing your most common services will cost you nothing.

Requirements

Either of the two options (Option 1 or Option 2) must be fully fulfilled in order to be able to benefit from the Zero-Fee Plan's fee exemption programme.

OPTION 1

 

Basic requirements (must be fulfilled simultaneously):

  • Salary, pension or unemployment benefit deposited directly into the account monthly for a net amount equivalent to or greater than €600 (or recurrent income* equivalent to or greater than €7,200 in the last 12 months with a monthly deposit in at least six of the twelve months).
  • Consumption on credit cards for an amount equivalent to or greater than €1,200 per year or at least two transactions per month (consult the kind of transactions taken into account to calculate consumption in the Individual Zero-Fee Plan's terms).

 

Optional requirements (at least one of which must be fulfilled):

  • Balances having a total amount equivalent to or greater than €6,000 in the institution's investment funds (including Discretionary Investment Portfolio Management), pension plans and saving insurance subscribed through Unicaja or brokered by it of which the customer is the holder.
  • Having taken out from the institution one or several different savings insurance policies** (as envisaged in the preceding option) and the sum of said policies' paid premiums being equivalent to or greater than €100.

 

OPTION 2

 

Basic requirement:

  • Balances having a total amount equivalent to or greater than €20,000 in the institution's investment funds (including Discretionary Investment Portfolio Management), pension plans and savings insurance of which the customer is the holder.

 

Optional requirements (at least one of which must be fulfilled):

  • Consumption on credit cards for an amount equivalent to or greater than €1,200 per year or at least two transactions per month (consult the kind of transactions taken into account to calculate consumption in the Individual Zero-Fee Plan's terms).
  • Having taken out from the institution one or several different savings insurance policies** (as envisaged as a basic requirement) and the sum of said policies' paid premiums being equivalent to or greater than €200.

 

Contracting process

To join the Fee-Free Plan, you can go to any Unicaja branch, where we will be delighted to help you.

 

If you prefer, you can also join the Fee-Free Plan by filling out the application form and indicating at which branch you'd like to process it. We will contact you shortly.

 

Remember that if you have any questions or queries, you can call our customer service team+34 952 07 62 63.

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