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This number is indicative of the risk of the product, 1/6 being indicative of low risk and 6/6 of 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 the equivalent in another currency in the case of deposits which are not in euros) per depositor and per credit institution.
Risk score related to the account.
Payroll loan(1)
Exclusive special financing conditions for customers who have their salaries paid directly into their accounts.
Overdraft and salary advance
You can arrange an overdraft of up to €300 in your account(2) for having a salary exceeding €600. In addition, can also receive a salary advance(3) of up to three monthly salary payments.
Fee-Free Plan
Zero fees for the most common banking services (account maintenance, transfers and card maintenance fees) when conditions are met.(4)
Discounts on card purchases
Throughout the year you will have access to all promotions and associated discounts. More info
MORE BENEFITS FOR DEPOSITING YOUR SALARY WITH AS A PREFERRED CUSTOMER
DISCOUNT LOANS
Loyalty Mortgage, Loyalty Loan.(1) More information
DISCOUNTS IN THE FIRST YEAR'S PREMIUM (5)
Life insurance (5): Pay less for your life insurance. Enjoy a discount for having your salary paid directly into your account. More information
FREE SMS ALERTS
With Unicaja's Mobile Alerts service you will instantly be informed of the most relevant movements on your accounts. More information
Contracting process
To apply for direct deposit of your salary, you can go to any Unicaja Banco branch, where we will be delighted to assist you.
If you prefer, you can also apply for direct deposit of your salary by filling in the application form and indicating the branch where you'd like to process it. We will contact you shortly.
Remember that if you have any questions or queries, you can call our customer service team: +34 952 07 62 63.
(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.
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) 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:
1ª Opción
Se han de cumplir dos requisitos básicos, más uno a elegir entre los requisitos opcionales.
BASIC REQUIREMENTS (must be fulfilled simultaneously):
(*) Se considerarán ingresos recurrentes aquéllos percibidos por el CLIENTE en cuenta abierta en Unicaja Banco de la que sea primer titular, con una frecuencia mínima de, al menos, una operación mensual en seis de los doce meses, a través de operaciones de ingresos –excepto abonos en efectivo realizados por ventanilla o cajero y transferencias realizadas entre cuentas titularidad del mismo CLIENTE–, transferencias de otras entidades y/o abono de cheques en cuenta.
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
2ª Opción
Se han de cumplir el requisito básico, más uno a elegir entre los requisitos opcionales.
REQUISITO BÁSICO
REQUISITOS OPCIONALES (se debe cumplir, al menos, uno de ellos):
(**) Seguros contratados a través de Unimediación S.L.U., operador de banca-seguros vinculado, inscrito en el Registro Administrativo Especial de Distribuidores de Seguros de la Dirección General de Seguros y Fondos de Pensiones con nº inscripción OV-0010, actuando a través de la red de Unicaja Banco, S.A. Concertado seguro de responsabilidad civil de acuerdo a la legislación vigente. Puede consultar las compañías aseguradoras con las que Unimediación S.L.U. tiene contrato de agencia suscrito en www.unicajabanco.es/seguros.
Tipo de interés nominal anual de la cuenta del 0,00 % correspondiendo:.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 credit card maintenance fee of €44:
APR 0%. AER: -2.713% for a case in which a balance of €6,000 is kept in the account for a year €, siendo la comisión de mantenimiento de la cuenta de 30 € trimestrales.
Under these same conditions: APR 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.
(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.
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