(1) 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.
(2) Fulfilling the Zero-Fee Plan's terms and conditions exempts the holder from the maintenance fees of the account or passbook held by them which they designate as the Zero-Fee Plan's associated account, as well as from any issuance fees for any euro-denominated transfers the customer makes from the associated account through Digital Banking (Unicaja Banco website or app) or ATMs to customer payment accounts located in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain) and the maintenance fees of credit cards held by the customer that are designated by them.
You may benefit from the advantages offered by the Zero-Fee Plan provided you fully fulfil either of the two options described below:
Option 1
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 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 cards of which the customer is the holder for an amount equivalent to or greater than €1,200 per year or at least two transactions per month using said cards counting from each fee's settlement date.
(*) "Recurrent income" is construed to mean any income received by the CUSTOMER in 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 CUSTOMER —, wire transfers from other institutions and/or payment of cheques into the account.
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
- Balances of investment funds (including Discretionary Investment Portfolio Management), 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 from the institution one or several insurance policies(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €100.
Option 2
The basic requirement plus one of the optional requirements, at the customer's choice, must be fulfilled.
BASIC REQUIREMENT
- Balances of investment funds (including Discretionary Investment Portfolio Management), pension plans and saving insurance subscribed through Unicaja Banco or brokered by it of which the CUSTOMER is the holder for an amount equivalent to or greater than €20,000.
OPTIONAL REQUIREMENTS (at least one of which must be fulfilled):
- Consumption on credit cards of which the customer is the holder for an amount equivalent to or greater than €1,200 per year or at least two transactions per month using said cards counting from each fee's settlement date.
- Having taken out from the institution one or several insurance policies(**) that are in force of which the customer is the policyholder and the sum of said policies' paid premiums being equivalent to or greater than €200.
(**) 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 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.
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 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 €, and the account maintenance fee amounts to €30 per quarter.
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.
(3) Promotion valid from 1 July 2022 to 31 December 2022 and/or until stocks of 9,000 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 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 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. Consult the promotion's rules and requirements here or at any Unicaja Banco branch.
(4) Granting subject to the bank's discretion.
