Salary Account

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(1) Offer guaranteed until 31 March 2027 for new customers who open an account between 1 October 2026 and 31 January 2027. This offer is available to individuals who have not had any Unicaja product or service in their name in the last 12 months. Only one account per customer is allowed. No maintenance or administration fees. Typical example: if you maintain a constant average balance of €50,000 for a year, the interest you will earn amounts to a gross amount of €1,260.36 a year if an APR of 2.5207% (AER of 2.55%) is applied. Interest is settled on a monthly basis. The typical example and AER mentioned above have been calculated for a twelve-month period, assuming that the APR of 2.5207% remains constant throughout that period. The amount of interest shown is merely a calculation example. The interest rate indicated is only guaranteed until 31 March 2027. The interest the account bears may change as of 1 April 2027 depending on the evolution of market conditions in accordance with the product's terms and conditions at any given time and after notice thereof has been given to the customer pursuant to the legislation which applies. Hence, the interest that may actually be earned might be less than the amount shown in the typical example. Any interest earned is subject to taxation and deemed as investment income in accordance with the legislation currently in force.

(2) Promotion valid until 31 January 2027 for customers and new customers who get a salary or pension of a net monthly amount equal to or greater than €600 paid directly into their account or directly debit self-employed social security contributions equal to or greater than €50, provided they have not been directly paid or directly debited at Unicaja in the last twelve months. A monthly payment of €23.63 net will be received if the salary or pension is between €600 and 1,199€ or of €30.38 net if the amount is equal to or greater than €1,200, or if self-employed social security contributions equal to or greater than €50 are directly debited. The amount is conditional upon meeting the requirements in each period, may not be combined or be retroactive, and will be received for at most 12 months. No permanence requirement. View the terms and conditions of the incentive here.

A registration document must be signed and the terms and conditions must be met within at most three months of registration in order to take part in the Bizum promotion. The incentives are deemed as investment returns and subject to taxation. In order to take part, you must sign up for the promotion and enable the Bizum service at Unicaja. Customers who register and enable Bizum within the promotional period may obtain a 5% cashback for purchases made with Bizum from online merchants or with Bizum Pay at brick-and mortar stores during the twelve (12) months following registration up to a maximum amount of €10 gross (net amount of €8.10) per month and up to €120 gross (net amount of €97.20) in total. Cancelled or returned purchases do not count. Promotion valid until 31 January 2027. Consult the rules here.

(3) If you have your salary directly paid into a Online Account or Real Madrid Account, the authorised overdraft will be granted where there have been salary payments meeting the required amount over the course of three consecutive months.

(4) The 0.0 Fee Plan and the benefits it provides will have an indefinite duration. Unicaja 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.