Yes, you can pay by card
Free debit card withdrawals from over 14,000 ATMs
Find out where you can make debit card withdrawals from ATMs free of charge1.
No fee for the first year
No issuance or maintenance fee in the first year. From the second year, the annual maintenance fee will be €32.
Instant digital activation
Upon signing up, you can immediately use your digital card at brick-and-mortar stores (via Apple Pay, Google Pay, or other wallets) and at ATMs without waiting for the physical card. Or if you prefer, you can activate it when you receive it. You decide!
Use it anywhere
Use your card every day for online purchases and in over 33 million physical stores around the world. You can also conveniently pay with your mobile phone if you want.
Instant discounts
Your debit card comes with EURO 6000 Plus. Enjoy instant discounts. You just have to request them with your Mastercard Debit Card.
Secure shopping
With contactless technology and an EMV chip, which makes the cards less vulnerable to counterfeit fraud. And in the event of theft or loss, you can temporarily deactivate the card with a single click through our Digital Banking service.
Select your account
Make sure that your details are correct and select the account you want to be charged for payments made with your Mastercard Debit Card.
Tell us where to send it
Choose between receiving your new debit card at home or in one of our branches of Unicaja.
Decide when to activate your card
Select activate "now" to start using it digitally or, if you prefer, you can wait to receive it physically.
Sign with your mobile phone
Sign the contract with the security code that we send to your mobile phone. Remember to check the details of the contract before signing. You can receive your card within 3 business days!
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All the benefits of a credit card with all the privileges of Espacio Joven Uni. Only for being young up to 30 years old.
FIT Mastercard Card
It's an ideal credit card to plan more expensive purchases, since you can split their payments over 3, 6, 9 and 12 months.
Mastercard Credit Card
A credit card that makes your life easier and allows you flexibility in payment methods.
Main fees of the Mastercard Debit Card:
Fee for debit cash withdrawals made with cards from ATMs:
€0 fee for debit cash withdrawals made from Unicaja Banco, S.A. ATMs.
100% of what the owner of the ATM charges Unicaja for that withdrawal. In other words, for cash withdrawals made by the customer with a debit cart at the ATMs of other banks in Spain (not Unicaja), the Euro Area, Sweden and Romania, Unicaja will pass the amount that these banks charge it on to the customer. Please note that at the time withdrawal is made, you should see information on the screen giving the amount that the bank that owns the ATM will charge Unicaja for the withdrawal, and that we can pass on to you. En cualquier caso, puedes hacer retiradas de efectivo a débito mediante tarjeta en cajeros automáticos de España de forma gratuita en las ciudades indicadas en el punto 1.
4.00% (minimum €3.50) in other countries. We will charge this price for cash withdrawals made by the customer with a debit cart at the ATMs outside Spain, the Euro Area, Sweden and Romania.
Fee for transactions in currencies other than the euro: 3.95%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.
To be able to request a Mastercard Debit Card through Digital Banking, you simply have to be the holder of a Unicaja account and not have any other Mastercard Debit Cards linked to that account.
You do not need to provide any additional documents to obtain your Mastercard Debit Card. You simply have to log into your Digital Banking service, request the card and select the account you want to link it to.
There are two options you can choose from:
If you have chosen Instant Activation before receiving your physical card during the subscription process, you can start using your card immediately after signing up for it for both online purchases and over-the-counter purchases, as well for as cash withdrawals. In order to do so, you will have to add the card to the wallet of your choice (Apple Pay, Google Pay…). Once you receive the physical card, make at least one transaction that requires entering a PIN at ATMs or merchants in order to be able to use it.
On the contrary, if you have chosen to wait to activate your physical card, you can activate it on your Digital Banking service or by making any transaction that requires entering a PIN at ATMs or merchants once you receive it. Remember that with this option you will not be able to use the card until you have the physical card in your hands.
Log in to your Digital Banking service, select your card and click on "More" options in the main menu and then "Settings", where you can enable or disable both online purchases and the card's use abroad whenever you want.
To be able to use your card abroad, you simply have to activate this option in your Digital Banking service. If you travel to a country with the same currency as us, you will not be charged any fee to pay for your shopping.
However, if you travel to a country with a currency other than the euro, you will be charged a fee of 3.95% for each transaction. This fee will be applied to the resulting equivalent amount in euros of all foreign currency transactions (purchases and cash withdrawals) made with the card according to the exchange rate obtained by the payment systems on the date when the relevant payment is made.
(1) Conditions for debit card withdrawals from ATMs differ in each province (view map):
At all Unicaja ATMs (includes the Liberbank network) and from €120 in ATMs in the EURO 6000 network (EURO 6000 institutions included: Abanca, Novo Banco, Ibercaja, Kutxabank, Cajasur, Evo Banco, Cecabank, Caja de Ontinyent, Colonya Caixa Pollensa and Cardtronics), Banco Sabadell, Bankinter, Caja de Ingenieros, Arquia Banca and Euronet in the following provinces: La Coruña, Lugo, Orense, Pontevedra, Vizcaya, Guipúzcoa, Álava, Navarra, La Rioja, Burgos, Segovia, Guadalajara, Madrid, Zaragoza, Huesca, Teruel, Lleida, Barcelona, Girona, Tarragona, Castellón de la Plana, Balearic Islands, Valencia, Alicante, Murcia, Granada, Córdoba, Badajoz, Santa Cruz de Tenerife, Las Palmas. And from €120 in ATMs from any network in the provinces of Huelva and Seville.
Terms and conditions valid until 31 December 2026.
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).
