(1) Concession subject to the bank's discretion.
(2) In compliance with the conditions, the Fee-Free Plan exempts the customer from administration and maintenance fees for an account or passbook held by the customer, designated by the customer as an account linked to the fee-free plan, from the fee for making non-urgent transfers by the customer from the linked account, in euros, between payment accounts of customers located in the SEPA zone, provided they are made through Digital Banking, Unicaja Mobile or ATM, and from the fee for issuing and maintaining a credit or debit card, held by the customer, designated by the customer. In order to adhere to the Fee-Free Plan, the following requirements must be met: Two basic requirements must be met, plus another from among the optional requirements. BASIC REQUIREMENTS (must be met simultaneously): - A monthly salary deposit for an amount equal to or greater than €600 net. - Spending of an amount equal to or greater than €1,200 per year from the customer's credit or debit cards, or a minimum of 2 monthly transactions made with the same in the 12 months prior to the settlement date of each fee. Consult the Fee-Free Plan Basics for the types of operation included in the calculation of spending or the 2 monthly transactions. OPTIONAL REQUIREMENTS (at least one of these must be fulfilled): - Balances in Sight Accounts, Investment Funds, Pension Plans and Savings Insurance policies, contracted with Unicaja or through its intermediation, for a total amount equal to or greater than €6,000, of which the customer is the holder. - Take out at least one insurance policy with Unicaja or through its intermediation, of which the customer is the holder. This includes all insurances policies (Home, Automobiles, etc.) sold by Unicaja, with the exception of the Savings Insurance policies (already included in the previous option). Learn more about the basics and requirements of the Fee-Free Plan, or in your office.
Annual nominal interest rate on the 0.00 % account, AER: 0.00 % if they fulfil the requisites of Plan Zero, the account maintenance commission being € 0 per quarter and the debit card maintenance commission € 0 per annum. Consult the bases of Plan Zero.
If you do not fulfil the requisites of Plan Zero, the AER of the account is as follows, considering the relevant maintenance commission of the account as well as an annual card maintenance commission of € 28:
AER: -0.15 % for cases in which a total balance is held in the account of (a) quarterly of € 35,000, the maintenance commission being € 6 per quarter.
AER: -1.47 % for cases in which an average balance is held of (b) quarterly of € 6,000, the account maintenance commission being € 15 per quarter.
AER: -11.00 % for cases in which an average balance is held of (b) quarterly € 800 with linking, (c) the maintenance commission of the account being € 15 per quarter.
AER: -14.00 % for cases in which an average balance is held of (b) quarterly € 800 without linking, (d) the account maintenance commission being € 21 per quarter.
(a) Total balance as first holder in Accounts at Sight and/or Investment Funds and/or Pension Schemes and/or Savings Insurance and/or Fixed Term and
Total balance as Plan Zero as first holder in Accounts at Sight and/or Investment
Total balance as first holder in Accounts at Sight and/or Investment Funds and/or Pension Schemes and/or Savings Insurance and/or Fixed Term and/or Private Banking and/or Securities Portfolio exceeding € 30,000.
(b) Average balance of the account.
(c) With linking: when any of the following conditions is fulfilled: domiciliation of payroll, pension, unemployment subsidy, social payment, agrarian subsidies and/or operating card.
(d) Without linking: when there is no domiciliation of payroll, pension, unemployment subsidy, social payment, agrarian subsidies and/or the holder does not have any operating card.
(3) 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., related banking-insurance operator, and Pension Fund (Inscription No. OV-0010), acting through the Distribution Network of Unicaja Banco, S.A, Civil Liability Insurance subscribed pursuant to Royal Decree-Law 3/2020 of 4 February. It has sufficient financial capacity in accordance with current legislation. You can find the insurance companies that Unimediación S.L. has signed an agency contract with at www.unicajabanco.es/seguros. Free Life Insurance Promotion valid for policies subscribed from 01/01/2020 to 31/12/2020.
901 and 902 numbers have special rates that may vary depending on the telephone operator. We advise you to consult your telephone company for further details and current rates for calls to these numbers.