(1) Granting subject to the bank's discretion.
(2) Granting subject to the institution's criteria. An overdraft of up to €300 for salaries equivalent to or greater than €600, and an overdraft of up to €500 for salaries equivalent to or greater than €2,000. The account overdraft will be paid off by the next salary payment received.
(3) Granting subject to the institution's criteria.
- Amount: up to €10,000 (maximum three salary payments). Term: up to 10 months. APR: 0%. AER from 8.073% to 12.959% according to the typical examples. Front-end fee: 3.00% without minimum amount. Assessment fee: 0.50% without minimum amount.
- Amount: up to €5,000 (maximum two salary payments). Term: up to 5 months. APR: 0%. AER from 8.383% to 12.798% according to the typical examples. Front-end fee: 1.50% without minimum amount. Assessment fee: 0.50% without minimum amount.
Requirements: The salary must have been directly paid into account for at least six months and two utility bills (electricity, water, telephone or gas) must be directly debited.
French amortisation method.
Typical examples of AER:
APR: 0%. AER: 8.073% calculated for the principal of a loan amounting to €10,000 having a ten-month term with monthly principal repayments with a monthly repayment of €1,000. Total amount owed: €10,350. Amount of interest: €0. Total cost of loan: €350.
APR: 0%. AER: 12.959% calculated for the principal of a loan amounting to €7,000 having a six-month term and monthly principal repayments with a monthly repayments of €1,166.67, except the last repayment of €1,166.65. Total amount owed: €7,245. Amount of interest: €0. Total cost of loan: €245.
APR: 0%. AER: 8.383% calculated for the principal of a loan amounting to €5,000 having a five-month term with monthly principal repayments with a monthly repayment of €1,000. Total amount owed: €5,100. Amount of interest: €0. Total cost of loan: €100.
APR: 0%. AER: 12.798% calculated for the principal of a loan amounting to €3,000 having a three-month term with monthly principal repayments with a monthly repayment of €1,000. Total amount owed: €3,060. Amount of interest: €0. Total cost of loan: €60.
AERs calculated for a contract entered into on 24 March 2021. The first repayment is due on 24 of April 2021.
(4) Fulfilling the Zero-Fee Plan's terms and conditions exempts the holder from the administration and maintenance fees of the account or passbook they designate as the Zero-Fee Plan's associated account; the fees of any non-urgent euro transfers the customer makes charged to the associated account to customer payment accounts located in the SEPA, provided they are made through Digital Banking, UnicajaMóvil or an ATM; and the issuance and maintenance fees of the debit or credit card that the customer designates. To benefit from the above-mentioned Zero-Fee Plan fee exemption, the customer must join said Plan and fulfil the following requirements:
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 monthly 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 twelve months prior to each fee's settlement date.
Consult the kind of transactions taken into account to calculate consumption or the two monthly transactions in the Terms of the Zero-Fee Plan.
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
- Balances of demand accounts, investment funds, pension plans and saving 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). Consult the Zero-Fee Plan's Terms and requirements here or at your branch.
APR 0%. AER 0% if the Zero-Fee Plan's terms and conditions are met (Consult the Zero-Fee Plan's Terms here.).
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 €32:
APR 0%. AER: -1.528% 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) or directly deposited earnings (salary, pension or unemployment benefit equivalent to or exceeding €600 or recurrent income(*) equivalent to or exceeding €7,200 a year), and the account maintenance fee amounts to €15 per quarter.
Under these same conditions: APR 0%. AER: -4.548% for a case in which a balance of €2,000 is kept in the account for a year.
APR 0%. AER: -2.514% 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) or without directly deposited earnings (salary, pension or unemployment benefit equivalent to or exceeding €600 or recurrent income(*) equivalent to or exceeding €7,200 a year), and the account maintenance fee amounts to €30 per quarter.
Under these same conditions: APR 0%. AER: -7.430% 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.
(*) Annual income is understood as that made by a natural person with entrepreneurial or professional activity in an account open at Unicaja that they are the first holder of, through deposit operations – except for cash payments made over the counter or by ATM and transfers made between accounts held by the same CLIENT–, transfers from other banks and/or clearing cheques through the account.
(**) 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.
(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, Book 1274, 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.
(5) Offer may not be accumulated with other insurance promotions. Discounts applicable to the first-year premium of 10% (5% for payrolls under €2,000/month) in any of the free life insurance modes, for clients with domiciled payroll. Free life insurance subscribed with Unicorp Vida Cia. de Seguros y Reaseguros S.A. Insurance subscribed 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 network of Unicaja Banco, S.A. 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. Free Life Insurance Promotion valid for policies subscribed from 01/01/2021 to 31/12/2021.
(6) Promotion valid from 1 March 2021 to 30 June 2021 and/or until stocks of 900 cards last. It is meant for any people who have their salary amounting to €600 or more deposited directly into Unicaja Banco and who sign a document to join the campaign (said document contains a permanence commitment for any customers over 28 years of age setting out that the aforementioned direct deposit must be kept at Unicaja Banco during an uninterrupted period of at least 24 months). They will be given a card for the amount of €150.
The gift card's delivery to the customer for having transferred their salary payments is subject to taxation and deemed as a return in kind for assigning one's own capital to third parties according to Article 25(2) of Act 35/2006 on Income Tax which is in force. Unicaja Banco will withhold income tax and pay it according to article 74(2) of the Income Tax Regulation, without passing on the costs of this payment to the customer.
