First six months
No maintenance fees
What does it apply to?
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No account maintenance fees
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No technology fees for all the POS terminals associated with a single merchant linked to the account and chosen by the customer
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
SME Account
Your company, clear accounts and no fees1
(1) No administration, SEPA transfer, remittance or cheque clearance fees.
Solely for new customers.
Advantages of the fee-free SME Account
No account administration fees
No SEPA transfer fees2
No remittance fees3
No cheque processing and clearance fees4
As from the seventh month
No maintenance fees if requirements are met
How is it achieved? You will still not pay any maintenance or POS fees if just two of the four conditions are met.
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Active average balance: ≥ €10,00
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Savings or investment balance: ≥ €5,000
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Average monthly POS billing: ≥ €600. Or card transactions of = €100 and two purchases in the last 60 days.
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Annual insurance premiums: ≥ €300
If these conditions are not met, €30/month for maintenance and €15 or €10 for POS.
Fee-Free SME Account Terms and Conditions
Financing
Active average balance
≥ €10,000
Credit lines, cards, confirming, discounted bills or other documented financing for an amount exceeding €10,000.
Balance of financing products subscribed by the holder. For long term financing, the balance will be taken at the time the account is settled. For short term financing/current assets, the average quarterly balance will be taken. For products with a limit and a drawn balance, the drawn balance will be taken.
Savings and investment
Balance of
≥ €5,000
For demand deposit accounts, time deposits, investment funds or discretionary portfolio and securities management.
Balance at the time the account is settled for demand deposit accounts, time deposits, investment funds, discretionary portfolio management, pension plans and savings insurance.
Operations
You just need to meet one of these requirements.
Average monthly POS billing in the last 12 months
≥ €600
Or card transactions of
€100 and two purchases in the last 60 days
Insurance
Annual premiums
≥ €300
Annual calculation basis; for insurance policies with a multi-year premium, the premium for one year is taken as a reference.
Product subject to study and approval by Unicaja Banco S.A. Consult the pre-contractual information fact sheet at your branch before signing up.
Maintenance fee5
€30/month (AER of -1.80%). APR of 0.00%· €30/month of maintenance over a year (€360/year). Calculated for a constant average balance of €20,000 over a year. Monthly settlement. No interest.
POS technology fees
€15/month (GPRS, Bluetooth or Wi-Fi) or €10/month (Virtual). Applies to the merchant's terminals designated by the account holder and covers all those associated with that merchant. It does not apply to ADSL terminals or merchants with a Flat Rate.
How can I apply for an SME Account?
Prepare your documents
Memorandum of association and power of attorney, and identification of natural persons who are attorneys-in-fact. The institution may request additional documents.
Go to a Unicaja branch
Go to any Unicaja branch or enter your details in the form on the website so we can call you.
Enter into the contract
The contract is always entered into in person. It cannot be done on the Digital Banking service.
Operate without any fees
From the very first day, without any administration, SEPA transfer, remittance or cheque clearance fees. No maintenance or POS fees for the first 6 months.
Advantages of your SME Account
Count on a manager with expertise at your side
In person, on the telephone, by e-mail... If you need anything, we are ready to assist you just when you need it.
Business credit cards
Apply for the card along with your account and benefit from flexible payment methods, free insurance and many more advantages.
Get exclusive discounts
Get direct discounts on purchases through the Visa Business programme. You can benefit from large discounts at featured shops.
SME Account Tools
Collection management
Efficiently manage your company's collections
Automate processes, bring forward collection of invoices and control all your transactions on the Digital Banking service.
Payment management
Manage all your company's payments in a single place
Automate transfers, remittances, confirming and other transactions to save time and simplify management.
What the SME Account includes
Digital Banking
Your branch on your computer or mobile phone. Make all your banking transactions at any time without waiting around in queues.
POS flat rate
Choose the Flat Rate tranche that best suits your business and you won't get any billing surprises.
ATM and branch network
There are always Unicaja branches and/or ATMs near you to carry out your banking activities.
Security with Unicaja Key
The first Spanish financial institution to be certified under the ISO27001 and ISO27701 standards.
Your SME Account at Unicaja
Near you
Over 800 branches across Spain. Digital, but also close to you whenever you need it.
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.
New customers that are legal persons which have not had any active Unicaja products in the last 12 months prior to subscription. It is not available to Communities of Owners, Associations, Foundations or the Public Sector.
You can apply at any Unicaja branch or enter your details in the form on the website so we can get in touch with you.
The following are usually requested:
- Memorandum of association and power of attorney
- Identification of the natural persons who will be listed as attorneys-in-fact
The institution may additionally request other documents.
No, you cannot. It must be opened at a branch.
With the SME Account you will not pay:
- Administration fees.
- Ordinary, immediate or payroll transfer fees between accounts of the same holder, to accounts of other Unicaja Banco customers, to other institutions or within the SEPA.
- Fees for issuing remittances (Q34, Q34.14 workbook files or SEPA pain.001 files).
- Processing and clearance of euro-denominated cheques and promissory notes drawn in Spain.
No, international transfers outside the SEPA are not exempt.
The maintenance fee will be €0 if you meet two of these four conditions:
- Asset Balance >= €10,000, calculated as the balance at the time the account is settled for long-term financing, and the average quarterly balance for short-term financing (credits, discounted bills, confirming, etc.).
- Savings and investment balance >= €5,000 at the time the account is settled for demand deposit accounts, time deposits, investment funds, discretionary portfolio management, pension plans and savings insurance.
- POS or card activity. It is enough to meet one of these two conditions to fulfil this requirement:
- POS billing ≥ €600/month in the holder's name, calculated as the last 12 months' monthly billing.
- Active business card associated with the account with no outstanding payments, at least two purchases and spending of at least €100 in the last 60 days. - Insurance premiums in the holder's name ≥ €300/year calculated on an annual basis. In the case of insurance policies with a multi-year premium, the corresponding annual premium will be taken.
If these conditions are not met, the maintenance fee will amount to €30 a month.
At the time the account's fees are settled.
Business cards' conditions and fees are separate from those of the SME Account. Consult all the information on cards here.
Yes, the movements of all the business cards associated with the SME Account are taken into account.
It is a fee charged for the use of the POS's technology and varies depending on the type: GPRS, Bluetooth, Wi-Fi or virtual terminal. It does not apply to ADSL terminals. The cost is €15/month for GPRS, Bluetooth or Wi-Fi terminals and €10/month for Virtual terminals.
(2)
The transfer exemption applies to SEPA transfers in euros (ordinary, immediate, payroll and remittance transfers). It does not include international transfers outside the SEPA or Fund Movement Orders (FMOs) via the Bank of Spain. The exemption from cheque and promissory note fees applies to euro-denominated transactions drawn in Spain.
(3)
No fees for sending payroll remittances and bank transfers, including confirming.
(4)
Euro-denominated cheques issued by entities domiciled in Spain.
(5)
Additionally, if the account has had no deposits or withdrawals for 18 months, it will be classed as dormant and a maintenance fee will be charged.
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).