Self-Employed Online Account

(1) Special terms and conditions for new self-employed customers. This offer is solely aimed at people who have not had any Unicaja product or service in the last twelve months. Only one account per person may be opened. A gross amount of €250 will accrue as interest in the first year at an AER of 1.2572% (APR of 1.25%) without any maintenance or administration fees, provided a constant average balance of €20,000 is kept. Once this period has elapsed, the return will amount to an AER of 0.00% (APR of 0.00%) without accruing any interest. Interest will be paid on a monthly basis and taxed as investment income in accordance with prevailing legislation. The offer will remain in force until 30 June 2026. You will likewise be exempted from paying any maintenance and administration fees, as well as from standard and immediate wire transfer fees for any euro-denominated transfers made between customer payment accounts in the SEPA through the Electronic Banking service, the Mobile Banking service or Unicaja ATMs. Fund movement orders (OMF) processed through the Bank of Spain are excluded from this offer. In addition, a promotion will remain in force until 30 June 2026 for 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 who 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. This promotion envisages an incentive totalling a net amount of €283.50 for any salaries or pensions between €600 and €1,199, or a net amount of €364.50 for those which are equal to or greater than €1,200, as well as for customers who directly debit their self-employed social security contributions, all of which will be according to the rules which may be consulted here. Joining this promotion requires signing a twenty-four-month permanence commitment and meeting the terms and conditions within at most three months. The amounts received will be deemed as investment income and subject to taxation. In addition, a 1% refund of the total amount of directly debited bills that are charged to the account in each settlement period will be applied with an annual limit of €200. Only water, gas, electricity and telecommunications bills will be counted for such purpose. This bonus may not be combined with other promotions of a similar nature and its amount will also be subject to taxation as investment income according to prevailing legislation.

(2) 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. 

(3) Visa Business Debit Card without any issuance or maintenance fees provided it is associated to the Requetecuenta digital Autónomos or where you consume over €3,600 over a one-year period in purchases and/or mobile phone top-ups (monthly average of €300). Cancelled transactions or reimbursements do not count. In all other cases, the maintenance fee amounts to €32 per year.

(4) Debit cash withdrawals without a fee at ATMs depending on the province. Consult map. At all Unicaja ATMs (includes the Liberbank network) and as from €120 at ATMs in the EURO 6000 network (EURO 6000 institutions included: Abanca, Novo Banco, Ibercaja, Kutxabank, Cajasur, Evo Banco, Cecabank, Caja de Ontinyent, Colonya Caixa Pollensa and Cardtronics), Banco Sabadell, Bankinter, Caja de Ingenieros, Arquia Banca and Euronet in the following provinces: La Coruña, Lugo, Orense, Pontevedra, Vizcaya, Guipúzcoa, Álava, Navarra, La Rioja, Burgos, Segovia, Guadalajara, Madrid, Zaragoza, Huesca, Teruel, Lleida, Barcelona, Girona, Tarragona, Castellón de la Plana, Balearic Islands, Valencia, Alicante, Murcia, Granada, Córdoba, Badajoz, Santa Cruz de Tenerife and Las Palmas. And as from €120 at ATMs belonging to any network in the provinces of Huelva and Seville.

(5) Collective policy taken out by UNICAJA MEDIACIÓN, S.L.U., a RELATED BANKING-INSURANCE OPERATOR, duly registered at the Special Administrative Registry of Insurance Intermediaries, Reinsurance Brokers and their Senior Executives kept by the Directorate-General of Insurance and Pension Funds under Registration No. OV-0010 and with VAT Registration Number B-92802271, acting through the distribution network of Unicaja Banco, S.A. Third-party liability insurance taken out in accordance with Act 3/2020 of 4 February. Free insurance applies to the holder of the Visa Business Debit Card. Collective policy renewed by calendar years at the institution's discretion.

(6) Promotion valid until 30 June 2026 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 who 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. The incentive may consist of a net cash payment of €283.50 if the salary or pension amounts to between €600 and €1,199, or €364.50 if the salary or pension is equal to or greater than €1,200, or if self-employed social security contributions are directly debited. View the terms and conditions of the incentive here. A €449 voucher that can be redeemed at the Unicaja Store for any product or products the customer chooses may also be obtained if the salary or pension is equal to or greater than €1,200, or if social security contributions are directly debited. View the full terms and conditions of Store vouchers here. A 24-month permanence commitment must be signed for any of the promotions and their terms and conditions must be fulfilled within at most three months of joining them. The incentives are deemed as investment returns subject to taxation; and in the case of the vouchers, they are deemed as earnings in kind with Unicaja assuming payment on account of tax withholdings.

Online subscription terms and conditions

You can get in touch with us on the following numbers to correct any mistakes made when entering the data during the process: 900 15 15 16 or 952 60 67 67.

Once the contract has been entered into, the documents will be stored in our systems. You can exercise your rights of access, rectification, elimination, objection, restriction to processing and portability, as well as not to be subject to automated decision-making and profiling, by sending written notice thereof to the Unicaja  Customer Service Office, which is located at Avenida de Andalucía, 10-12, Malaga (Post Code: 29007), or by sending an e-mail to atencion.al.cliente@unicaja.es.

The contract will be entered into in Spanish.

The contract must be signed on the same day as we place it at your disposal on the signature platform, otherwise the subscription process will expire.