Digital Super Account
We give you 3% AER¹. Easy and profitable.
During the first year, simply for switching your salary payments.
No fees2 and 100% digital.
Only for new customers!
Up to January 31, 2026.
If your balance reaches zero, you will have an authorised overdraft facility of up to €500³
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.
Zero Plan
And if you're still paying fees…
You won't pay any account or card maintenance fees and can make all the wire transfers you need without having to pay an issuance fee with the Zero Plan4 (except Flat Rate and Comfort Accounts). Moreover, you can make transfers without having to pay any issuance fees5.
They are some of the advantages offered by the Zero Plan if you have your salary directly deposited into your account (among other requirements).
Easy-To-Read Small Print
(1) Special conditions for new customers. This offer is available to individuals who have not acquired any form of Unicaja product or service in the last 12 months. Only one account is allowed per customer. Typical example: If you get your salary or pension paid directly into your account (at least €600 per month) during the first year, and you maintain an average balance of €20,000, you will receive a gross annual amount of €593.40, based on 3.00% AER (2.967% APR). During this period, you will not be able to benefit from any other salary or pension promotions. During the first year, the return will be 0.00% AER (0.00% APR). Interest is paid every three months. No maintenance or administration fees. Offer valid until January 31, 2026.
(2) Exemption from transfer fees for standard and immediate euro-denominated transfers between payment accounts of customers located in the SEPA made on the Unicaja Electronic Banking service, Mobile Banking service or its ATM network. Fund Movement Orders (FMOs) made through the Bank of Spain are excluded from this exemption.
(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) Conditions valid for new memberships to Zero Plan made after 11/26/2024.
The Zero Plan 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 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. Either of the two options (Option 1 / Option 2) must be fully fulfilled in order to be able to benefit from the Zero Plan's fee exemption programme.
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/month 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). For customers aged 75 or older, the use of a card/Bizum is not required.
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** subscribed through Unicaja or brokered by it of which the customer is the holder (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 Unicaja Mediación, 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 Unicaja Mediación, 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.
(5) No fees on any ordinary and immediate euro-denominated wire transfers made through online channels in the SEPA area (within Spain or destination countries within the Common European Area).