A bank for senior citizens
Dreams are ageless. At Unicaja Banco we help you fulfil them.
Significant advantages and discounts just for being a pensioner
No results, try another search
Let's find what you are looking for!
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.
Significant advantages and discounts just for being a pensioner
Have your pension of a least €600 per month deposited directly into Unicaja Banco and benefit from significant advantages and discounts: stop paying fees if you meet the Zero-Fee Plan's(1) terms and conditions for your most common account transactions, no issuance and maintenance fees and many more benefits, discounts, promotions and products especially designed for senior citizens.
Products and services to make your life easier
f you have your pension deposited directly into Unicaja Banco, you can apply for a Pension Advance Loan(2) that allows you to receive an advance on your monthly pension payment (up to €1,800).
Benefit from a personal loan with special terms and conditions just for being a senior citizen. You still have a lot of experiences live through and places by discover.
Processing an inheritance can involve a series of tedious formalities. That is why we want to help you out with the Probate Management Counselling Service.
Free debit card(3) and discounts on purchases
Use the debit card associated to your pension, which has no issuance and maintenance fees, to make payments conveniently and benefit from promotions, discounts and much more.
More than 9,500 ATMs (belonging to the entire Euro 6000 Network)
PExclusive promotions
Free early pension payment(4)
We pay your pension early before it is officially paid by the Social Security system.
Withdraw your pension from our ATMs
PagaPay with your card at stores
Don't pay any excessive fees
If you meet the Zero-Fee Plan's(1) terms and conditions, you will not pay anything for your most common transactions.
No account maintenance fees
No wire transfer fees
You can apply for an advance of a monthly pension payment of up to €1,800 if you have your pension deposited directly into Unicaja Banco.
Loan to be repaid in three months.
Nominal interest rate of 0% and AER from 9.504% to 12.863% according to typical example.
The Pension Direct Deposit Service is comprised of the offering of exclusive products and services for people over the age of 60 years who have their pension(1) deposited directly into Unicaja Banco.
While a pension advance is an interest-free personal loan(2) equivalent to a monthly pension payment, an early pension payment consists of Unicaja Banco offering you the chance to collect the pension before the Social Security system's official payment schedule (as from the 22nd day of each month).
The directly deposited pension must have a net amount equivalent to or greater than €600 per month.
In order to benefit from the advantages of each of the products for senior citizens, consult the specific terms and conditions of each of the products and services.
(1) Fulfilling the Zero-Fee Plan's terms and conditions exempts the holder from the maintenance fees of the account or passbook held by them which they designate as the Zero-Fee Plan's associated account, as well as from any issuance fees for any euro-denominated transfers the customer makes from the associated account through Digital Banking (Unicaja Banco website or app) or ATMs to customer payment accounts located in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain) and the maintenance fees of credit cards held by the customer that are designated by them.
You may benefit from the advantages offered by the Zero-Fee Plan provided you fully fulfil either of the two options described below:
Option 1
Two basic requirements plus one of the optional requirements, at the customer's choice, must be fulfilled.
BASIC REQUIREMENTS (must be fulfilled simultaneously):
(*) "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):
Option 2
The basic requirement plus one of the optional requirements, at the customer's choice, must be fulfilled.
BASIC REQUIREMENT
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
(**) 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.
CAN WE HELP YOU?
Our telephone support lines are open
Mon-Sat from 8 am to 10 pm non-stop..
For Unicaja Banco S.A., the holder of the web page, it is important to adapt to your tastes and preferences, for which we use own and third-party cookies, that gather connection data that may be linked to your registration user name, the purpose of which is to measure traffic and user interaction with the web page, to help to improve operation of the web content, as well as the services and products offered, preparing behaviour profiles, while always protecting your privacy. You may transparently choose the configuration that suits you best, without that causing any change in your usual operations.