Payroll Service

Advantages of getting your salary paid directly into Unicaja

Find out about everything you get if you come to us. From a bank that also speaks the same language as you.

Nowhere else is like Unicaja. We help you change your bank easily and effortlessly.

Authorised Overdraft Facility

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.

Salary Advance

Benefit from the salary advance for whatever you need

Have the money you need without having to wait to get your salary paid².

If you have had your salary paid directly into Unicaja for at least six months and at least two directly basics debited bills (electricity, water, telephone or gas), you can get an advance on your salary for that project you have in mind.

Get an advance on your salary easily if you have your salary paid directly into Unicaja.

Vida Libre insurance discounts

Take out peace of mind with a discount

If you get your salary paid directly into your account, you will get a discount when you take out your Vida Libre insurance³ and finance your life or accident insurance through the Uni Insurance Plan. This discount will automatically be applied when you take out the policy.

5% discount for salaries less than €2,000.
10% discount for salaries equivalent to or greater than €2,000.
10% discount on PLUS financing.

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).

More information

Everything you need to know

Having your salary directly deposited into an account means entrusting your income to an institution; in other words, receiving your salary in a bank account of which you are the holder.

Some advice or tips: Check to ensure that the name of the salary's beneficiary on the payslip coincides with your full name, just as it appears on your bank account details. It is important to inform your company if you detect any differences.

Example: Payslip: M. Belen Gcia

Account holder: María Belén Gar

If you need to consult your account data, such as the IBAN and holder, this is the way to do it:

a. Log in to your Digital Banking service.
b. Accounts.
c. Select the account into which you want to directly deposit your salary.
d. In the More section, select "Account Details".

Because it is a financial decision well worth reflecting on. Keep in mind that you are entrusting your income to an institution and this has an impact on your finances.

Payment of your salary is related to products and services at advantageous conditions that reward your loyalty or relationship, such as pre-granted loans, mortgages, access to fee exemption programmes, interest rate bonuses…

Many institutions seek to attract direct salary deposits through incentive campaigns that vary depending on the channel or time. They are usually related to a payment for directly depositing a salary or providing some sort of remuneration on account balances in exchange for a permanence commitment.

Having a salary paid directly into your account also provides access to exclusive services or products, such as salary advances, account overdrafts, insurance discounts…, which institutions include as a value proposition.

As a tip, we can say that, when it comes to choosing the bank you will entrust your income to, it is important to think in the long term, assessing the complete value proposition beyond the initial promotion. It is good practice to check out the advantages your salary can give you, just like you are doing right now on this page.

In the case of a direct salary deposit, get in touch with your company or human resources department and provide them with your account information. They will usually process it and you will already receive the deposit at the chosen institution the following month. Remember that it is important that the name of the salary's beneficiary coincides fully with the account holder's name.

The small print, in capital letters

(1) 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.

(2) Granting subject to the institution's criteria.

(3) Insurance taken out with Unicorp Vida through Unicaja Mediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers held 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 view the insurance companies with which Unicaja Mediación, S.L.U. has entered into agreements: www.unicajabanco.es/seguros

(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).