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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 of which the coverage has a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, its equivalent in the currency in question) per depositor and credit institution.
Risk score related to the account.
Account
Your linked account with no maintenance fees (1).
Card or POS
Your professional or company credit cards linked to the associated card contract that is designated or wireless mobile (GPRS, Bluetooth, Wi-Fi or Virtual) POS terminal without any maintenance fees(2).
Online transfers
Make all the transfers you need without paying an issuance fee (3).
Cheque negotiation and clearance
You won't pay any fees (4) for depositing cheques into your account.
Carry out your most common services at no additional cost
There is a simple way to avoid any fees associated with the liquidity of your agricultural business. You need to join Unicaja Banco, use your card or POS and meet the other conditions detailed in the requirements section. In doing so, you will be able to join the Fee-Free Agricultural Plan and carry out your usual transactions at no additional cost.
Either of the two options (Option 1 or Option 2) must be fully fulfilled in order to be able to benefit from the Professional Zero-Fee Plan's fee exemption programme.
OPTION 1
Basic requirements (must be fulfilled simultaneously):
Optional requirements (at least one of which must be fulfilled):
OPTION 2
Basic requirement:
Optional requirements (at least one of which must be fulfilled):
To apply for the Professional Zero-Fee Plan for Agricultural sector, you can go to any of our Unicaja Banco offices, where we will be happy to assist you.
If you prefer, you can also apply for an Professional Zero-Fee Plan for Agricultural sector by filling out an application form and indicating the branch where you would like to process it. We will contact you shortly.
If you have any questions or queries, you can call our customer service team at: +34 952 07 62 24.
(1) APR 0 %. AER 0 % if the Plan Cero Profesional'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 Professional 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 Proffesional 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.
(2) The exemption applies to the associated credit card or POS terminal set forth in the application form or to the one which replaces it.
(3) For issuing euro-denominated transfers through Digital Banking (Unicaja Banco website or app) or ATMs between customer payment accounts in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain).
(4) In euros, payable in the Spanish National Compensation System (SNCE).
(*) "Deposited annual 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 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.
(**) 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.
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