1 / 6

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.

Segmento Sénior de Unicaja Banco
Segmento Sénior de Unicaja Banco
Segmento Sénior de Unicaja Banco

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

Further information

Have your pension deposited directly and benefit from significant advantages

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

Pension Advance Loan

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).

Pensioner Loan

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.

Probate Service

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.

Being a senior citizen is all about having advantages


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


Extra monthly payment with Loan Advance(2)


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.

Segmento sénior de Unicaja Banco

More connected than never

We accompany you to help you discover step by step how to perform the main banking formalities in an easy and secure way on our Digital Banking service.

View Digital Banking

Frequently asked questions about senior citizens

How do I know if I qualify as a senior citizen?

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.

What difference is there between an early pension payment and an advance?

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).

Does my pension have to have a minimum amount to benefit from the advantages for senior citizens?

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.


Our telephone support lines are open  

Mon-Sat from 8 am to 10 pm non-stop..

952 076 263

You can also call us  

on 900 151 948

ATMs and Branches

Find your nearest ATM or Branch.

Fill in the form

Use our forms to request information.



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