No administrative costs 1
Forget about maintenance and administration fees.
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
Self-Employed Online Account Commission-Free
Get an AER of 2.55%1 and up to €570 more
Returns from the very first euro up to €50,000 without any fees, permanence requirements or penalties, along with a free debit card and without the need to directly debit self-employed social security contributions from the account in order to open it.
Only for new customers
Fee-Free Self-Employed Online Account Promotion
Get an AER of 2.55%
For opening our online account at an APR of 2.5207% up to a maximum interest-bearing balance of €50,000. Guaranteed returns until 31 March 2027 for new customers who open the account up to 31 January 2027.
€450 in 12 months
For having your salary or pension equal to or greater than €1,200 directly deposited into your account. Or get €350 for salaries or pensions as from €600 until 31 January 2027.
Up to €120
For enabling and using Bizum. Get a 5% cashback now for 12 months when making online purchases with Bizum and over-the-counter purchases with Bizum Pay until 31 January 2027. Sign up for the promotion.
Advantages of your Fee-Free Self-Employed Online Account
No fees on your debit card3
Your Online Account comes with a Visa Business Debit Card. Manage your business's purchases and payments with a card for day-to-day needs.
No wire transfer costs4
For standard and immediate euro-denominated transfers between customer payment accounts located in the SEPA.
What your Self-Employed Online Account includes
Digital Banking
Manage accounts, cards, wire transfers and Bizum on your mobile phone.
Bizum
Send and receive money instantly with just a phone number. Free!
Wallet
Pay at stores and online using your mobile phone. Without having to take out your card.
Wire transfers
Immediate and free digital wire transfers for natural persons within the EU.
+14,000 ATMs
Withdraw cash with a debit card without any fees from a network of over 14,000 ATMs.
Protect your account
Confirm your transactions with Unicaja Key to provide you with extra security.
Draws and promotions
Gain access to exclusive draws, promotions and benefits throughout the year.
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How to open your Self-Employed Online Account at Unicaja
Step 1
Your data
Fill out the form with your personal details.
Step 2
Verify your identity
Take a photo of your ID card using your mobile phone. Easy and secure.
Step 3
Digital signature
Sign the contract on your mobile phone. No paperwork.
Step 4
The account is ready!
Start using your account. Your card will be delivered in seven to ten days.
Terms and conditions of the promotion for setting up direct debit payments for your self-employment contributions
For self-employed contributions of €50 or more
€450
Gross incentive
📅 No permanence requirement: Receive your incentive on a monthly basis · ⏳ Time limit for meeting terms and conditions: Three months as from signing up for the promotion.
Incentive returns
The amounts received will be subject to taxation according to the legislation currently in force.
Promotion cannot be combined
This bonus may not be combined with others of a similar kind.
Your Online Account at Unicaja
Near you
Over 800 branches across Spain. Digital, but also close to you whenever you need it.
Security
Advanced security measures to protect your operations.
24/7 service
24/7 customer service by phone, app, e-mail or chat. Always at your side
Social commitment
We allocate part of our profits to social projects and community support.
It is a fully digital current account that you open and manage on your mobile phone or via the Internet without having to go to a branch. In addition, the Unicaja Online Account has no maintenance or administration fees and includes a free debit card and euro-denominated wire transfers.
Before signing up, we recommend you review and understand these documents. You can view them here:
- General Online Account Terms and Conditions: A document outlining the framework agreement that governs the Online Account's operation, including opening the account, the account holder, debits and credits, grounds for cancellation and both parties' obligations.
- Pre-Contractual Account Information: A document the bank must hand over before the agreement is entered into containing a summary of fees, interest rate and economic terms and conditions so the customer may compare it with other institutions.
- General Card Terms and Conditions: A specific contract for the associated Mastercard Debit Card, which includes use limits, liability for unauthorised transactions, blocking and renewal.
- Pre-Contractual Card Information: A fact sheet handed over prior to signing up for the debit card setting out the fees which apply, insurance coverage (accident and travel insurance) and the terms and conditions for ATM cash withdrawals.
- General Remote Banking Terms and Conditions: A document outlining the agreement for signing up for the digital banking service (app and website), including login credentials, security features, user liabilities and the operating channels available.
- Pre-Contractual Remote Banking Information: A document containing a summary prior to signing up for the digital service, which sets out the transactions that may be made online, technical requirements and the service's terms and conditions before the customer accepts them.
- Informative Document on Fees: A document which contains a standard table (European format) that lists all the fees which apply to the account: maintenance, wire transfer, overdraft fees, etc.
- List of Associated Services: A document which outlines the list of services associated to the payment account according to European regulations, including direct debits, wire transfers, card issuance and other services that are included or can be signed up for with the account.
You can open an Online Account if you are over 18 years of age, live in Spain and have not had any Unicaja products in the last 12 months. All you need is your national or alien's ID card and your mobile phone. It is an account for personal use; if you are self-employed, the Self-Employed Online Account is available for you.
Yes, you can. We handle all the procedures through the free account transfer service, including directly debited bills, if you have any.
You can earn guaranteed interest at an AER of 2.55%1 (APR of 2.5207%) on an interest-bearing balance of up to €50,000 until 31 March 2027. Interest is settled on a monthly basis and taxed as investment income.
By adding up to two bonuses: up to €450 for having your salary or pension paid directly into your account and up to €120 when you enable and use Bizum. The cashback is obtained by using Bizum for your online purchases and Bizum Pay for your over-the-counter purchases.
No, you will not pay any maintenance or administration fees. Standard and immediate euro-denominated transfers made on the Unicaja Digital Banking service are also free of charge, except for Fund Movement Orders (FMO) processed through the Bank of Spain.
Yes. The Online Account includes a free Visa Business Debit card that lets you make payments in stores and online, withdraw cash, and manage everything via the Unicaja app: activate or deactivate it and check your transactions in real time.
You can sign up for your online account in just a few minutes on the Unicaja website or app without having to go to a branch. You just have to identify yourself by following the subscription process and submitting the documents requested.
The Online Account may include an authorised overdraft facility amounting up to €500 to help you cover unforeseen expenses when your balance reaches zero. This service is subject to meeting the terms and conditions set forth and is automatically paid back with the next deposits made into the account. It also allows you to get an advance of up to €6,000 on your salary to ensure you have liquidity whenever you need it and pay it back in up to 12 months. It is available after six months if your salary is paid directly into the account and is subject to Unicaja's granting criteria.
Interest on the Online Account is paid out on a monthly basis. The incentive for having your salary or pension paid directly into the account is paid out on a monthly basis for a maximum period of twelve months, and the incentive for the Bizum promotion is also paid monthly for 12 months.
Because it brings together in a single account everything you require for your day-to-day needs: it bears interest on your savings, no fees, a debit card is included, up to an additional €570, a digital banking service and solutions like salary advances and an authorised overdraft facility for whenever you need it.
Yes, it is. The account is opened through video identification (a photo of your ID) via an encrypted process.
You can open it fully online in just a few minutes on your mobile phone. Your debit card will be delivered in seven to ten days.
Yes, you can. All you need is your national or alien's ID card and your mobile phone to verify your identity. You must be of legal age and reside in Spain.
Yes, you can. You can withdraw cash free of charge at ATMs that form part of your network (EURO 6000) and have over 800 Unicaja branches at your disposal, even if your account is fully digital.
You can close an online account at any branch or cancel any associated products on the Digital Banking service or at any branch if your balance is zero and you have no pending transactions.
(1) Offer guaranteed until 31 March 2027 for new customers who open an account between 1 October 2026 and 31 January 2027. This offer is available to individuals who have not had any Unicaja product or service in their name in the last 12 months. Only one account per customer is allowed. No maintenance or administration fees. Typical example: if you maintain a constant average balance of €50,000 for a year, the interest you will earn amounts to a gross amount of €1,260.36 a year if an APR of 2.5207% (AER of 2.55%) is applied. Interest is settled on a monthly basis. The typical example and AER mentioned above have been calculated for a twelve-month period, assuming that the APR of 2.5207% remains constant throughout that period. The amount of interest shown is merely a calculation example. The interest rate indicated is only guaranteed until 31 March 2027. The interest the account bears may change as of 1 April 2027 depending on the evolution of market conditions in accordance with the product's terms and conditions at any given time and after notice thereof has been given to the customer pursuant to the legislation which applies. Hence, the interest that may actually be earned might be less than the amount shown in the typical example. Any interest earned is subject to taxation and deemed as investment income in accordance with the legislation currently in force.
(2) Promotion valid until 31 January 2027 for customers and new customers who get a salary or pension of a net monthly amount equal to or greater than €600 paid directly into their account or directly debit self-employed social security contributions equal to or greater than €50, provided they have not been directly paid or directly debited at Unicaja in the last twelve months. A monthly payment of €23.63 net will be received if the salary or pension is between €600 and 1,199€ or of €30.38 net if the amount is equal to or greater than €1,200, or if self-employed social security contributions equal to or greater than €50 are directly debited. The amount is conditional upon meeting the requirements in each period, may not be combined or be retroactive, and will be received for at most 12 months. No permanence requirement. View the terms and conditions of the incentive here.
A registration document must be signed and the terms and conditions must be met within at most three months of registration in order to take part in the Bizum promotion. The incentives are deemed as investment returns and subject to taxation. In order to take part, you must sign up for the promotion and enable the Bizum service at Unicaja. Customers who register and enable Bizum within the promotional period may obtain a 5% cashback for purchases made with Bizum from online merchants or with Bizum Pay at brick-and mortar stores during the twelve (12) months following registration up to a maximum amount of €10 gross (net amount of €8.10) per month and up to €120 gross (net amount of €97.20) in total. Cancelled or returned purchases do not count. Promotion valid until 31 January 2027. Consult the rules here.
(3) Debit card without any issuance or maintenance fees. Debit cash withdrawals without any fees for using the card at ATMs belonging to the following networks at these provinces:
- At all Unicaja ATMs in: Cádiz, Málaga, Almería, Jaén, Ciudad Real, Albacete, Cuenca, Toledo, Cáceres, Salamanca, Ávila, Zamora, Valladolid, Soria, Palencia, León, Asturias, Cantabria, Ceuta and Melilla.
- At all Unicaja ATMs and additionally withdrawals as from €120 at any ATMs belonging to the EURO 6000 network, Banco Sabadell, Bankinter, Caja de Ingenieros, Arquia Banca and Euronet in the following provinces: La Coruña, Lugo, Orense, Vizcaya, Guipúzcoa, Álava, Navarra, Burgos, La Rioja, Huesca, Lleida, Girona, Barcelona, Zaragoza, Segovia, Madrid, Guadalajara, Teruel, Tarragona, Castellón de la Plana, Baleares, Valencia, Alicante, Murcia, Granada, Córdoba, Badajoz, Santa Cruz de Tenerife and Las Palmas.
- At all Unicaja ATMs and additionally withdrawals as from €120 at any ATMs belonging to any network in: Huelva and Seville.
Valid until 31 December 2026. The fee will always be displayed prior to the cash withdrawal so you can either accept or cancel the transaction. Three free debit cash withdrawals per card and month without any minimum amount with Young Debit cards. EURO 6000 institutions include: Abanca, Novo Banco, Ibercaja, Kutxabank, Cajasur, Evo Banco, Cecabank, Caja de Ontinyent, Colonya Caixa Pollensa and Cardtronics.
- Terms and conditions for cash withdrawals from other domestic, Eurozone, Swedish and Romanian networks: 100% of whatever the owner of the ATM charges Unicaja for the withdrawal.
- Terms and conditions for cash withdrawals from foreign networks: 4.00% (at least €3.50).
View ATM map
(4) Exemption from transfer fees for standard and immediate euro-denominated transfers between payment accounts of customers located in the SEPA made on the Unicaja Electronic Banking service, Mobile Banking service or its ATM network. Fund Movement Orders (FMOs) made through the Bank of Spain are excluded from this exemption.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).