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This number is indicative of the risk of the product, with 1/6 indicating low risk and 6/6 high risk.
Unicaja Banco, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions created by Royal Decree-Law 16/2011, of 14 October, covering a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, the equivalent in the relevant currency) per depositor and credit institution.
Risk score related to the Account
One regular decision: get up to €4501 with your bank
Another: be a Unicaja customer. Get your salary or pension paid directly into your account.
Promotion valid until June 30, 2026
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Cafetera Delonghi
TV Samsung QLED 43"
AirPods Pro 3
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When your salary is paid directly into your account, you can access an authorised overdraft facility for up to €500 when your balance reaches zero.
Three-month salary advance
You have up to three monthly payments of your salary paid directly into a Unicaja account to immediately finance any small project2.
Digital Banking service
Discover the Unicaja Banco app and enjoy a quick, secure and convenient experience.
Check your accounts, make transfers and gain access to multiple services from wherever you may be!
What requirements must I meet?
- Not having had a salary or pension paid directly into your account in the last 12 months.
- Get a salary or pension equal to or greater than a net monthly amount of €600 paid directly into your account.
Bring your account to Unicaja easily and effortlessly
We take charge of it all, ranging from salary and pension payments to bills for basic services, taxes, rental payments and insurance premiums.
Benefit from the account transfer service totally free of charge and without any complications.
If your salary or pension is equivalent to or greater than €1,200, the cash incentive amounts to €450 and it will be worth €350 for salaries between €600 and €1,199. Or if you prefer, instead of the cash incentive, you can opt for the €449 voucher to be redeemed in the Unicaja Store.
It is 24 months for the incentive for having a salary or pension paid directly into account.
If you have any doubts during the purchasing process or encounter any issues when using the voucher, you can get in touch with VP Market, the Store's provider, at 917 004 940 (from Monday to Thursday between 9:00 am and 6:00 pm and on Friday between 9:00 am and 2:00 pm).
Unicaja regularly checks that the requirements outlined in the promotion's terms and conditions are being met. When this has been verified, the cash incentive will be paid into the customer's account within 2 to 7 business days.
The product will be delivered within at most 20 calendar days from the date of purchase, unless it is out of stock, in which case VP Market will get in touch with the customer to offer them alternatives, such as waiting for new stock to arrive, choosing another product or cancelling the order.
(1) Promotion valid until 30 June 2026 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 debiting 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. The incentive may consist of a net cash payment of €283.50 if the salary or pension amounts to between €600 and €1,199, or €364.50 if the salary or pension is equal to or greater than €1,200, or if self-employed social security contributions are directly debited. View the terms and conditions of the cash incentive here. You can also obtain a €449 voucher that can be redeemed in the Unicaja Store for the product or products of the customer’s choice, if the salary or pension is equal to or greater than €1,200 or if self-employed social security contributions are directly debited. View the full terms and conditions of Store vouchers here. For any of these promotions, it is necessary to sign a 24-month minimum term commitment and fulfil the terms and conditions within no more than three months of signing up for the promotion. The incentives are deemed as income from moveable assets subject to taxation; and vouchers are deemed as income in kind, with Unicaja assuming the payment on account of tax withholdings.
(2) Granting subject to the institution's criteria.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).