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.

Have your pension deposited directly

Have your pension deposited directly and benefit from significant advantages and discounts

Don't pay any excessive fees

Benefit from zero fees on the main services if the Zero-Fee Plan's terms and conditions are met(2).

Better terms and conditions for your loans

If you have your pension deposited directly, you can apply for a special personal loan(1) for pensioners of up to €30,000.

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)

You can apply for a Pension Advance Loan amounting to up to one monthly pension payment. View Pension Advance.

How to have my pension deposited directly into Unicaja Banco


Open account

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.


Request certificate

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.

Promotional bases for Pension Deposits

Frequently asked questions about direct pension deposits

When is the pension paid at Unicaja Banco?

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: 

  • 22 January
  • 22 February
  • 24 March
  • 23 April
  • 24 May
  • 23 June
  • 23 July
  • 24 August
  • 23 September
  • 22 October
  • 23 November
  • 23 December

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.

Does the Pension Direct Deposit Service cost anything?

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).

What is the difference between a pension advance and an early pension payment?

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.

How can I withdraw my pension from an ATM?

We tell you how to withdraw your pension money from any ATM of the Unicaja Banco network step by step. Download guide

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