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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.
With us, you are choosing a relationship of trust and free from fees
Your associated account without maintenance fees1.
Your credit card with no maintenance fee2.
Carry out the transfers you require with no issuance fee3.
Enjoying the Fee-Free Plan4 is a lot easier than you think.
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.
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):
Optional requirements (at least one of which must be fulfilled):
OPTION 2
Basic requirement:
Optional requirements (at least one of which must be fulfilled):
To join the Fee-Free Plan, you can go to any Unicaja Banco 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.
(1) APR 0%. AER 0% if the Zero-Fee Plan's terms and conditions are met (Consult the Zero-Fee Plan's Terms here).
AER calculated for several account balance cases that do not fulfil the Zero-Fee Plan's terms and conditions and considering the account's relevant maintenance fee for each of the examples set out below, along with an annual credit card maintenance fee of €44:
APR 0%. AER: -2.713% for a case in which a balance of €6,000 , and the account maintenance fee amounts to €30 per quarter.
Under these same conditions: APR 0%. AER: -8.016% for a case in which a balance of €2,000 is kept in the account for a year.
In the cases described above, the AERs would vary depending on the balance in the account.
The Individuals' Zero-Fee Plan and the benefits it provides will have an indefinite duration. Unicaja Banco reserves the right to cancel said Plan and its benefits or to amend its terms and conditions from time to time, due notice of which shall be given according to the governing legislation.
(2) The exemption applies to the associated credit card set forth in the application form or to the card which replaces it.
(3) For issuing euro-denominated transfers through Digital Banking (Unicaja Banco website or app) or ATMs between customer payment accounts in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain).
(4) Conditions apply. For the remaining conditions and details please consult the terms and conditions in the practical information section.
(*) "Recurrent income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja Banco of which they are the main holder with a frequency of at least one monthly transaction in six of the twelve months through deposit transactions — except over-the-counter or ATM cash deposits and wire transfers made between accounts held by the same CUSTOMER —, wire transfers from other institutions and/or payment of cheques into the account.
(**) Insurance taken out through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the network of Unicaja Banco, S.A. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.
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