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YOUNG PERSON'S CONTACTLESS MASTERCARD CREDIT CARD

A CREDIT CARD THAT KEEPS UP WITH YOU

Are you a customer but still don't have your login details?

For young people aged up to 28

Convenient, practical and safe. With Contactless technology and EMV chip for more security.

Free for the first year (1)

 And also from the second year if you make two purchases a month (2)

With all the privileges of Espacio Joven Uni 

See the direct discounts on purchases offered by the EURO 6000 Rewards Programme (3) that we have selected in espaciojovenuni.com

Free associated insurance (4)    

Comes with travel and accident insurance, free of charge.

PRACTICAL, CONVENIENT, FLEXIBLE AND ON YOUR WAVELENGTH

Accounts with an extensive network of ATMs *

You can withdraw cash at ATMs wherever you need it.

Very convenient when making purchases in stores and over the Internet

And transparent, since Unicaja Banco provides you with a detailed statement of all the transactions you have made with the card.

Contracting process

You can sign up for the Young Person's Contactless Mastercard Credit Card at any Unicaja Banco branch, where we will be delighted to assist you.

 

If you prefer, you can also apply for a  Young Person's Contactless Mastercard Credit Card by filling out an application form and indicating the branch where you'd like to process it. We will contact you shortly.

 

Remember that if you have any questions or queries, you can call our customer service team: +34 901 24 62 46 or +34 952 07 62 63.

Conditions

MAIN FEES

 

Maintenance fee: € 19.50 per year. You don't have to pay this fee if you make 24 purchases in shops and/or mobile top-ups in an annual period (monthly average of 2 purchases). Cancelled operations and returns do not count. Or if you are the holder of the Fee-Free Plan and you meet the established requirements.

 

Fee for withdrawing money from your account through ATMs (debit):

€ 0, for withdrawals in the ATMs of  Unicaja Banco, S.A.

 

100 % of what the owner of the ATM charges Unicaja for that withdrawal. In other words, for cash withdrawals with a debit card made by the customer at the ATMs of other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania, Unicaja  will pass the amount that these banks charge in full to the customer. Please note that at the time of making the withdrawal you should see information on the screen of the amount that the bank that owns the ATM will charge Unicaja for the withdrawal, and that we will pass on to you. In any case, you can consult areas in Spain where, to make up for the fact that we do not have an extensive ATM network in these provinces, we will not charge you for the first three cash withdrawals with your debit card. See here where you can make free cash withdrawals in Spain.

 

4.00% (minimum €3.50) in other countries. We will charge this price for cash withdrawals from ATMS outside Spain, the Euro Area, Sweden and Romania.

 

Fee for cash withdrawals using your credit card:

4.00% (minimum €3.50), for withdrawals from the ATMs of Unicaja Banco, S.A.

 

4.00% (minimum €3.50) plus 100% of what the owner of the ATM charges Unicaja for that withdrawal. In other words, you will be charged a fee of 4.00% (minimum €3.50) of the amount withdrawn and we will also pass on the amount that the bank that owns the ATM you are using to withdraw money charges us for using their ATM in other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania.

 

5.00% (minimum €5.00) in other countries. In other words, you will be charged a fee of 5.00% (with a minimum of €5.00) of the amount withdrawn in banks that are not in the Euro Area or in  Sweden or Romania.

 

Fee per transaction in a currency other than euros: 3%This fee will be applied to the amount resulting from the equivalent in euros of all the transactions in foreign currencies (purchases and cash withdrawals) performed with the card in accordance with the exchange rate obtained by the Payment Systems on the date of the corresponding settlement.

 

INTEREST RATE

 

In deferred payment mode the transactions (purchases, cash withdrawals, etc.) performed using the card will be added up and you can repay a fixed amount of the credit drawn, which will be settled and paid on a monthly basis every 1st of the calendar month until the full payment of the total of the transactions performed in this payment has been made. The drawn balance will be charged an annual nominal interest rate (NIR) of 22.20%. The AER will vary depending on whether or not the payment of the maintenance fee is taken into account and on the amount of credit on the card. Here are some different examples of the AER:

  • For a credit drawdown on the Young Person's Contactless Mastercard Credit Card for a purchase in a Spanish store for €1,500 repaid in 11 monthly installments of €140.54 and a final monthly installment of €140.49, the total amount due would be €1,686.43 (if you do not pay the card maintenance fee), in this case the AER would be 24.60%.
  • For a credit drawdown on the Young Person's Contactless Mastercard Credit Card for a purchase in a Spanish store for €1,500 repaid in 11 monthly installments of €140.54 and a final monthly installment of €140.49, the total amount due would be €1,705.92 (if you pay the annal card maintenance fee of €19.50), in this case the AER would be 27.76%.
  • For a credit drawdown on the Young Person's Contactless Mastercard Credit Card for a purchase in a Spanish store for €3,000 repaid in 11 monthly installments of €281.07 and a final monthly installment of €281.11, the total amount due would be €3,372.88 (if you do not pay the card maintenance fee), in this case the AER would be 24.60%.
  • For a credit drawdown on the Young Person's Contactless Mastercard Credit Card for a purchase in a Spanish store for €3,000 repaid in 11 monthly installments of €281.07 and a final monthly installment of €281.11, the total amount due would be €3,392.38 (if you pay the annal card maintenance fee of €19.50), in this case the AER would be 26.16%.

In all cases, the amount of the monthly repayment can never be less than €20, so the minimum installment to be paid will be   €20, plus the interest and fees that have been generated in the period.

SERVICES RELATED TO YOUR CARDS

No maintenance fee

Comply with a series of requirements and make your card maintenance fee-free.

Configuration of card use

Activate your card or block it when you need to in our APP or through Digital Banking. 

Your cards, secure and under control

Both online and abroad, you can shop easily and securely with your Unicaja cards.

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

ATMs and Branches
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