Salary Account

Easy-To-Read Small Print

(1) This offer is solely aimed at people who have not had any Unicaja product or service in the last twelve months. Only one account per person may be opened. A gross annual amount of €250 will accrue as interest in the first year at an AER of 1.2572% (APR of 1.25%) without any maintenance or administration fees, provided a constant average balance of €20,000 is kept. Once this period has elapsed, the return will amount to an AER of 0.00% (APR of 0.00%) without accruing any interest. Interest will be paid on a monthly basis and taxed as investment income in accordance with prevailing legislation. The offer will remain in force until 30 September 2026. You will likewise be exempted from paying any maintenance and administration fees, as well as from standard and immediate wire transfer fees for any euro-denominated transfers made between customer payment accounts in the SEPA through the Electronic Banking service, the Mobile Banking service or Unicaja ATMs. Fund movement orders (OMF) processed through the Bank of Spain are excluded from this offer. In addition, a promotion will remain in force until 30 September 2026 for 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 who 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. This promotion envisages an incentive totalling a net amount of €283.50 for any salaries or pensions between €600 and €1,199, or a net amount of €364.50 for those which are equal to or greater than €1,200, as well as for customers who directly debit their self-employed social security contributions, all of which will be according to the rules which may be consulted here. Joining this promotion requires signing a twenty-four-month permanence commitment and meeting the terms and conditions within at most three months. The amounts received will be deemed as investment income and subject to taxation. In addition, a 1% refund of the total amount of directly debited bills that are charged to the account in each settlement period will be applied with a gross annual limit of €200. Only water, gas, electricity and telecommunications bills will be counted for such purpose. This bonus may not be combined with other promotions of a similar nature and its amount will also be subject to taxation as investment income according to prevailing legislation.

(2) 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.

(3) 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.