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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.
Don't pay any excessive fees
Better terms and conditions for your loans
Get your pension(*) paid early by using your card
Withdraw your pension early at no additional cost from our ATM network and by making payments at stores.
Pension Advance Loan(1)
Get your pension paid early using your Unicaja Banco card
The card associated to your pension's direct deposits will additionally offer you discounts and prom
If you are already a customer, you just have to decide into which account you want to have your pension deposited. If you are not a customer, you will have to open an account.
You will then have to request a certificate of the account into which you want to have your pension deposited from your Unicaja Banco branch.
Go to a Social Security office
Lastly, you have to submit the account certificate to the Social Security office to have the payment effectively made the following month.
Just for being a Unicaja Banco customer, we advance the pension payment date as from the 22nd day of each month. Hence, the pension payment schedule for 2021 is as follows:
You may withdraw the pension from ATMs or make payments at stores using the Unicaja Banco card. This Early Pension Payment Service is free of charge.
As long as the customer meets the Zero-Fee Plan's terms and conditions(2), the service is exempt from the payment of any of the usual fees (you can consult the terms and conditions further below).
A Pension Advance is a personal loan to cover any minor expenses or unforeseen circumstances. It consists of an advance amounting to one monthly pension payment.
On the other hand, an Early Pension Payment is a service through which Unicaja Banco makes it possible for pensioners to collect their pensions before the official Social Security payment schedule. The pensioner may make use of the early pension payment at ATMs or by making card payments at stores. This service is free of charge if you have the pension deposited directly into Unicaja Banco.
We tell you how to withdraw your pension money from any ATM of the Unicaja Banco network step by step. Download guide.
(*) 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.
(1) Granting subject to the institution's criteria.
(2) Cumpliendo condiciones, el Plan Cero Comisiones exime de Comisiones de mantenimiento de una cuenta o libreta, de su titularidad, que designe el cliente como cuenta vinculada al plan cero, de la Comisión por emisión de transferencias que realice el cliente con cargo en la cuenta vinculada, a través de Banca Digital (Web o App Unicaja Banco) o cajero, en euros, entre cuentas de pago de clientes ubicadas en la zona SEPA (Se excluyen las transferencias inmediatas y las Órdenes de Movimientos de Fondos (OMF) -a través de Banco de España-) y de la Comisión de mantenimiento de una tarjeta de crédito, de su titularidad, que designe el cliente.
Podrás disfrutar de las ventajas del Plan Cero siempre que cumplas al completo cualquiera de las dos opciones descritas a continuación:
Two basic requirements plus one of the optional requirements, at the customer's choice, must be fulfilled.
BASIC REQUIREMENTS (must be fulfilled simultaneously):
(*) "Deposited recurrent income" is construed to mean aquéllos percibidos by the CUSTOMER 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 CLIENT —, wire transfers from other institutions and/or negotiation and clearing of checks.
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
Se han de cumplir el requisito básico, más uno a elegir entre los requisitos opcionales.
REQUISITOS OPCIONALES (se debe cumplir, al menos, uno de ellos):
(**) 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 credit card maintenance fee of €44:
TIN 0 %. TAE: -2,713 % para un supuesto en el que se mantenga durante 1 año un saldo de la cuenta de 6.000€, siendo la comisión de mantenimiento de la cuenta de 30 € trimestrales.
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.
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