BASIC REQUIREMENTS (must be fulfilled simultaneously):
- Salary, pension or unemployment benefit deposited directly into the account for a net amount equivalent to or greater than €600 or recurrent deposits(*) equivalent to or greater than €7,200 in the last 12 months with a monthly deposit in at least six of the twelve months counting from each fee's settlement date.
- Consumption on credit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 per year or at least two transactions per month using said cards counting from each fee's settlement date.
(*) "Recurrent income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja Banco 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.
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
- Balances of investment funds (including Discretionary Investment Portfolio Management), pension plans and saving insurance subscribed through Unicaja Banco or brokered by it of which the customer is the holder for a total amount equivalent to or greater than €6,000.
- Having taken out from the institution one or several insurance policies(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €100.
Option 2
The basic requirement plus one of the optional requirements, at the customer's choice, must be fulfilled.
BASIC REQUIREMENT
- Balances of investment funds (including Discretionary Investment Portfolio Management), pension plans and saving insurance subscribed through Unicaja Banco or brokered by it of which the CUSTOMER is the holder for an amount equivalent to or greater than €20,000.
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
- Consumption on credit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 per year or at least two transactions per month using said cards counting from each fee's settlement date.
- Having taken out from the institution one or several insurance policies(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €200.
(**) Insurance taken out through Unimediación, 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 Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.
Nominal annual percentage rate of the account at 0.00%, accordingly: APR of 0%. AER of 0% if the Zero-Fee Plan's terms and conditions are met (Consult the Zero-Fee Plan's terms).
AER calculated for several account balance cases that do not fulfil the Zero-Fee Plan's terms and conditions and considering the account's relevant maintenance fee for each of the examples set out below, along with an annual debit card maintenance fee of €44:
APR 0 %. AER: -2.713% for a case in which a balance of €6,000 is kept in the account for a year €, and the account maintenance fee amounts to €30 per quarter.
Under these same conditions: APR of 0%. AER: -8.016% for a case in which a balance of €2,000 is kept in the account for a year.
In the cases described above, the AERs would vary depending on the balance in the account.
The Individuals' Zero-Fee Plan and the benefits it provides will have an indefinite duration. Unicaja Banco 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.
(2) Granting subject to the institution's criteria.
Terms and conditions valid until 31 December 2022.
• Purpose: consumption
• Maximum amount: €1,800
• Term: maximum 3 monthly payments
• Front-end fee: 1.0%. Assessment fee: 0.5%
• Requirements: direct deposit of the pension during at least six months. Three advances at most may be made each year, provided the previous advance has been properly redeemed.
Typical examples of AER
Nominal annual rate: 0%. AER: 9.504% calculated for the principal of a loan amounting to €1,800 having a three-month term with a monthly repayment of €600. Front-end fee of €18. Assessment fee of €9. Total amount owed: €1,827. Total amount of interest: €0. Total cost of credit: €27.
Nominal annual rate: 0%. AER: 12.863% calculated for the principal of a loan amounting to €1,200 having a two-month term with a monthly repayment of €600. Front-end fee of €12. Assessment fee of €6. Total amount owed: €1,218. Total amount of interest: €0. Total cost of credit: €18.
The AERs in the examples described vary according to loan's term.
(3) Free if the holder is over 60 years of age, has a domiciled pension and performs at least once a year a refund operation at ATMs or purchases in stores.
(4) Free early retirement pension payment for pensioners who have their pension directly debited at Unicaja, S.A. for debit cash withdrawals from Unicaja Banco ATMs using a card and when making purchases at stores. In both these cases, this must be done with the card associated to the account into which their retirement pension is deposited. This early payment will be made effective according to the following monthly schedule: 24/1, 22/2, 24/3, 22/4, 24/5, 24/6, 22/7, 24/8, 23/9, 24/10, 24/11 and 22/12 in 2022.
