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 Online Account
Do you want to get up to €450?
Well, come to us and let’s talk. Get up to €450¹ for having your salary or pension paid directly into your account.
Promotion valid until 31 January 2026
Always covered
If have your salary paid into a Unicaja account, you are authorised to have an account overdraft of up to €500 free from any fees to cover any unforeseen circumstances.
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 project6.
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.
- Having a salary or pension equal to or greater than a net monthly amount of €600.
- Having Bizum enabled on the Unicaja app over the entire permanence period, unless you are over the age of 75.
And what if you no longer have to pay any fees in addition to getting up to €450?
Well, it's easy. If you join the Zero-Fee Plan, you may be exempted from paying any maintenance and administration fees2 on your accounts, maintenance fees on your personal card3 and fees for making wire transfers4 or having the most usual certificates5 issued by meeting certain conditions.
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 amount to €350 for salaries between €600 and €1,199.
If you have your salary paid directly into your account, you must have Bizum enabled on the Unicaja app over the entire permanence period. Pensioners over the age of 75 are exempted.
It is 24 months for the incentive for having a salary or pension paid directly into account.
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.
(1) Promotion valid until the 31 January 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 directly debit self-employed social security contributions equal to or greater than €50, which have not been directly paid or debited in the last 12 months. A net incentive of €283.50 will be paid for having a salary or pension amounting to between €600 and €1,199 paid directly into account, or of €364.50 if the salary or pension is equal to or greater than €1,200, or if self-employed social security contributions equal to or greater than €50 are directly debited. In order to receive the incentive, Bizum must be enabled on the Unicaja app (except for people over 75 years of age and the self-employed) and a 24-month permanence commitment must be signed. You have a time limit of three months from joining to meet the conditions. The incentive is subject to taxation as income from moveable capital. Consult the promotion's complete rules and requirements here.
(2) 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) The exemption applies to the associated debit or credit card set forth in the application form or to the card which replaces it.
(4) For issuing euro-denominated transfers through Digital Banking (Unicaja website or app) or ATMs between customer payment accounts in the SEPA. (Excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain).
(5) Account movement, account balance and loan debt certificates.
(6) Granting subject to the institution's criteria.
(*) "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 payment of cheques into the account.
(**) 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 network of Unicaja Banco, S.A. 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.
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).