(1) If its terms and conditions are met, the Zero-Fee Plan exempts the customer from the administration and 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 non-urgent wire transfers made in euros by the customer charged to the associated account between customer payment accounts located in the SEPA, provided they are made on the Digital Banking service, the UnicajaMóvil app or ATMs, along with the issuance and maintenance fees of a credit or debit card held by the customer and designated by them.

The following requirements must be met to join the Zero-Fee Plan. Two basic requirements plus one of the optional requirements, at the customer's choice, must be fulfilled.

 

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 or debit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 or at least two transactions per month using said cards in the preceding twelve months counting from each fee's settlement date. 

 

(*) "Recurrent deposit" is construed to mean any deposit made by a natural person having a business or professional activity into 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 cheques deposited into the account. 

OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):

• Balances of demand accounts, investment funds, pension plans and savings 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 at least one insurance policy(**) through Unicaja Banco or brokered by it of which the customer is the policyholder. This includes all kinds of insurance (home, automobile, etc. insurance) marketed by Unicaja Banco, except savings insurance (which is already envisaged in the preceding option). 

 

(**) 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 €28:

 

APR of 0%. AER: -1.461% for a case in which a balance of €6,000 is kept in the account for a year and the holder is additionally the main unitholder on the relevant settlement dates of a total balance in their favour of €20,000 in investment funds and/or pension plans and/or savings insurance subscribed through Unicaja Banco or brokered by it and/or in Private Banking subscribed through Unicorp Patrimonio, S.A.(a) and the account maintenance fee amounts to €15 per quarter.
Under these same conditions: APR of 0%. AER: -4.351%for a case in which a balance of €2,000 is kept in the account for a year.

 

APR of 0%. AER: -1.857%for a case in which a balance of €6,000 is kept in the account for a year and the holder is not the main unitholder on the relevant settlement dates of a total balance in their favour of €20,000 in investment funds and/or pension plans and/or savings insurance subscribed through Unicaja Banco or brokered by it and/or in Private Banking subscribed through Unicorp Patrimonio, S.A.(a) and the account maintenance fee amounts to €21 per quarter.
Under these same conditions: APR of 0%. AER: -5.512%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.

(a) Unicorp Patrimonio, S.A. is the holder of VAT Registration Number A-92067131, has its registered office at Calle La Bolsa 4, 1st Floor, Malaga 29015, is duly registered at the Malaga Companies Registry in Volume 2361, Section 8, Folio 202 and was also registered at the Administrative Registry of Portfolio Management Companies of the Spanish National Securities Market Commission on 18 June 1999 under the number 132.

 

(2) Granting subject to the institution's criteria.

Terms and conditions valid until 31 December 2021.

 

• Purpose: consumption 

• Maximum amount: €1,800

• Term: maximum 3 

• 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 for the cardholder if they meet the Zero-Fee Plan's terms and conditions or if they are over 60 years of age, have their pension deposited directly and make at least at one withdrawal or purchase transaction at a store once a year.

 

(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: 22/1, 22/2, 24/3, 23/4, 24/5, 23/6, 23/7, 24/8, 23/9, 22/10, 23/11 and 23/12 in 2021.