1 / 6

This number is indicative of the risk of the product, with 1/6 indicating low risk and 6/6 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, the equivalent in the relevant currency) per depositor and credit institution.

Risk score related to the account.

Advantages of getting your salary paid directly into Unicaja

Si tu saldo llega a cero tendrás hasta 500 € más de saldo descubierto autorizado en Unicaja Banco

If your balance reaches zero, you will have an authorised overdraft facility of up to €500¹

This service allows you to spend more money than you actually have in your account to deal with any unforeseen event.

You will have an authorised overdraft facility of up to €300 if your salary is equivalent to or greater than €600, and up to €500 if your salary is equivalent to or greater than €2,000. The authorised account overdraft will be paid off by the next salary payment received.

Plan Cero Comisiones de Unicaja Banco

Zero-Fee Plan

We've got just the plan for you if you don't have a FEE-FREE Online Account or a Remunerated Online Account

You won't pay any account or credit card maintenance fees and can make all the wire transfers you need without having to pay an issuance fee with the Zero-Fee Plan² (except Flat Rate and Comfort Accounts). Moreover, you can make transfers without having to pay any issuance fees³.


They are some of the advantages offered by the Zero-Fee Plan if you have your salary directly deposited into your account (among other requirements).

Advantages of getting your pension paid directly into Unicaja

Disfruta de las ventajas de tu pensión en Unicaja Banco

Benefit from the advantages offered by your pension

Have your pension of at least €600 per month directly deposited into your account and benefit from the Zero-Fee Plan². In addition, benefit from significant advantages like getting your pension paid early on the 25th of each month (or the next business day).

Can we help you?

Also at 952 076 263 or through the contact form.

Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

We also put other contact methods at your disposal: