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Conditions valid for new memberships to Zero Plan made after 11/26/2024.

(*) Promotion valid until 31 January 2025 for salaries or pensions exceeding €2,000 net that are directly paid into Unicaja for the first time which have not been paid into Unicaja in the preceding twelve months and which are maintained for at least 24 months. When the first salary or pension payment is paid, you will receive a single deposit amounting to €400 net (the incentive will amount to €150 for salaries or pensions as from €800). You will receive a monthly payment during 12 months of 5% of the amount of any purchases made with Unicaja credit cards for personal use or with Bizum at shops with a limit of €10 per month. We will reimburse you 1% of the amounts of any water, electricity, gas or telecommunications bills that are directly debited with a limit of €100 per year. The payment for directly deposited amounts and the payment of 1% of the amount of bills are deemed movable capital returns and are subject to taxation. The 5% cashback on purchases is deemed for tax purposes as a capital gain and is not subject to personal income tax withholding. You have six months from joining the promotion to meet its requirements (directly deposited salary/pension, making shop purchases with the credit card or Bizum and directly debiting an electricity, water, gas or telecommunications bill).

Exclusive Unicaja promotion, cannot be accumulated with other offers. Consult the promotion's terms and requirements here.

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

(2) The ZeroPlan exempts your accounts from any maintenance and administration fees, except for Flat Rate or Comfort Accounts, as well as from any issuance fees for any euro-denominated wire transfers the customer makes from their accounts on the Digital Banking service (Unicaja Banco website or app) or ATMs to customer payment accounts located in the SEPA (excluding immediate wire transfers and Fund Movement Orders, also known as FMOs, made through the Bank of Spain) and the maintenance fees of cards held by the customer that are designated by them.Cal complir totalment alguna de les dues opcions per poder gaudir del programa d’exempcions de pla Zero.

OPTION 1

Basic requirements (must be fulfilled simultaneously):

• Salary/Pension/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 6 of the last 12 months.
• Consumption on debit or credit cards or purchases in electronic stores through Bizum® C2eR 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 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 current accounts, term deposits, investment funds (including Discretionary 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 current accounts, 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 debit or credit cards or purchases in electronic stores through Bizum® C2eR 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 Plan's terms).
• Having taken out from the institution one or several different savings insurance policies*** subscribed through Unicaja or brokered by it of which the customer is the holder (as envisaged as a basic requirement) and the sum of said policies' paid premiums being equivalent to or greater than €100.

(**) "Recurrent income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja 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 handling or clearing of cheques.

(***) 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 Unicaja Banco, S.A. network. 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.

AER of 0.00% without interest, calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00% if all the terms and conditions of the Zero Plan are met; in other words, considering the account and credit card administration and maintenance fees are set at €0.00 (Consult the Zero Plan's Terms here).
Typical examples without meeting the terms and conditions of the Zero Plan and considering a maximum administration fee of €9 per quarter, an account maintenance fee of €30 per quarter and an annual credit card maintenance fee of €44:
AER of -3.301% calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00%. Without interest.

AER of -9.710% calculated for an account having a constant balance of €2,000 over the course of a year at an APR of 0.00%. Without interest.

The Zero 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.

(3) No fees on any ordinary euro-denominated wire transfers made through online channels in the SEPA area (within Spain or destination countries within the Common European Area).