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
An exceptional account¹, no fees at all
And get a €100 reimbursement on your bills
Only for new customers online!
Fully online application
Opening the Unicaja Online Account is very easy and can only be done online in six steps that will take you just a few minutes. Join Unicaja and enjoy more exclusive benefits!
No fees
This account has no maintenance or administration fees, not even for making ordinary and immediate transfers².
Cashback on your bills³
Get up to €100 a year. If you get your salary directly deposited into your account, we reimburse you 1% of your main bills (water, gas, electricity and telecommunications).
No need for a salary
Just for being a new Unicaja online customer.
Just for being you, up to €450 for bringing us your salary or pension and up to €180 more for bills.
Debit Card
Your Online Account comes with a debit card that is free from any issuance or maintenance fees which allows you to make your day-to-day purchases and withdraw debit cash from over 14,000 Unicaja ATMs4.
We recommend you open the account on your mobile phone because the camera is surely better. You can start opening the account by scanning the following QR code with your mobile phone:
And having your account at Unicaja offers you yet more benefits:
Uni Insurance Plan to pay for your insurance policies5 monthly, conveniently and at no additional cost (AER of 0.00%)6.
Bizum to send and receive money instantly.
Over 14,000 ATMs for debit cash withdrawals4 without any fees.
Digital Banking service so you can operate from anywhere at all without any worries.
Join more than 4 million customers
Grab this chance and open an online account brimming with benefits that is free from any fees and which you can only open online in just a few minutes.
Bring your account to Unicaja easily and effortlessly
We take charge of it all, ranging from salary and pension payments to bills for basic services, taxes, rental payments and insurance premiums.
Open your online account at our bank, become a customer and benefit from the account transfer service, which is totally free.
Enjoy a hassle-free transition!
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Our customers are entitled to unique privileges
Open your online account and enjoy discounts and sensational privileges at IKEA, Másmóvil, SICOR alarmas El Corte Inglés... You can even purchase an electric vehicle at a discount without waiting for delivery time scales.
Thanks to our agreements, you can get significant discounts on your Internet, mobile phone, alarm, etc. bills.
You'll love our Digital Banking service
Because it is easy-to-use, secure and facilitates day-to-day tasks, such as sending a Bizum, paying at shops, making a transfer, etc.
All this can be done on your mobile phone or computer and is always at your disposal.
Connect to your banks
Did you know that you can query your other banks on the Unicaja Digital Banking service?
Our innovative financial aggregator allows you to manage and query your accounts from Unicaja as if you were at your other banks.
Simply connect them through our Digital Banking service and view all your finances from a single place without having to access each bank separately. Moreover, this service is completely free.
Informative documents Online Account
You must be over 18 years of age, reside in Spain and be a new customer to subscribe this account. Any natural person who has not had any Unicaja Banco service and/or product in the last 12 months will be deemed a "new customer".
This account is solely for the use of individuals and you must confirm this is the case. If you are self-employed, you may not use it for your professional affairs.
If you directly debit your main bills (water, gas, electricity or telecommunications) to the Online Account, you will obtain a 1% cashback of their amounts. These reimbursements will be paid into your account and can add up to at most €100 a year.
In order to be able to verify you are really you without requiring you to go to a branch, we perform a video identification process.
You just need to ensure that the device you are using to perform your Online account's subscription is equipped with a camera.
During the video identification phase you must show:
Easy-to-read small print:
(*) Incentive for having a salary or pension paid directly into account: For any people who are of legal age and the main holder of a Unicaja account into which a salary or pension is paid amounting to at least €800 and less than €2,000 (the net bonus being €162) or equivalent to or greater than €2,000 (the net bonus being €364.50) that join the promotion which ends on 31 July 2025 and sign a 24-month uninterrupted permanence commitment with the institution. Said salary or pension must not have been paid directly into an account held at the institution in the twelve months prior to signing the subscription document and the customer must have Bizum enabled on the Unicaja app (customers over the age of 75 will be exempted from this requirement) throughout the permanence period. Reimbursement of up to 15 euros gross per month up to a limit of the directly debited bills' amount over 12 months (the net bonus being €12.15) for any directly debited bills in the account holder's name up to a maximum of 180 euros gross per year (the net bonus being €145.80). For such purpose, the customer must not have had any directly debited bills charged to an account held at the institution in the twelve months prior to signing the subscription document. Only water, electricity, gas and telecommunications bills are included. You have three months as from the date of subscription to meet the promotion's requirements. Payments into the customer's account for having a salary or pension paid directly into it are subject to taxation and deemed for tax purposes as income from moveable capital obtained from the transfer to third parties of one's own capital according to Article 25(2) of Act 35/2006 on Income Tax. Such income is subject to a tax withholding at the current withholding rate pursuant to Articles 74(1) and 75(1) of the Personal Income Tax Regulation. Consult the promotion's rules and requirements here.
(1) Exclusive terms and conditions for new online customers who are natural persons and for new registrations. For these purposes, any natural person who has not had any Unicaja Banco service and/or product in the last 12 months will be deemed a "new customer". Only one Online Account per customer is allowed. 0% APR, 0% AER without interest
(2) Exemption from ordinary and immediate transfers fees for non-urgent 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.
(3) Bonus for direct debits charged to the account. Unicaja will grant bonuses on water, electricity, telecommunications and gas bills, provided the direct debits charged to this account are not returned. This bonus will consist of an amount that will be the result of applying 1.00% to the sum of the directly debited amounts charged to the account in each interest settlement period of said account. This amount, if any, will be paid into that account on the Saturday immediately following the interest settlement date. The maximum annual bonus will amount to one hundred (100) euros. Hence, under no circumstances may successive payments of this bonus exceed €100 per year. If any of the directly debited bills is returned after the bonus is paid, Unicaja will be entitled to charge the proportional part of the bonus amount corresponding to any returned directly debited bills to the account or to any other account the CUSTOMER holds at this institution, even where they hold it jointly and severally with other holders. Bonus may not be accumulated with other similar promotions.
Bonuses for directly debited bills are subject to taxation and deemed for tax purposes as income from moveable capital obtained from the transfer to third parties of one's own capital according to Article 25(2) of Act 35/2006 on Income Tax. They are subject to a tax withholding at the current withholding rate pursuant to Articles 74(1) and 75(1) of the Personal Income Tax Regulation.
(4) 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:
Valid until 31 December 2025. The fee will always be displayed prior to the cash withdrawal so you can either accept or cancel the transaction. Three 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.
(5) Temporary renewable annual, multi-year or single-premium insurance taken out with Unicorp Vida (accident or life-risk insurance), Caser (car, health, dental, multi-risk home, payment protection, pet, hunting, comprehensive rental, funeral or accident insurance), Santa Lucía (funeral insurance) and/or Unión Duero Vida (life-risk insurance) mediated 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 Unicaja Banco, S.A. network. 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. The insurance policies' coverage is subject to the General and Specific Terms and Conditions of the policies taken out.
(6) Credit meant for consumers who are natural persons solely for the payment of their insurance premiums. Terms and conditions valid until 31 January 2026. Nominal annual interest rate: 0.00%. AER: 0.000%. Based on a typical example of a Uni Insurance Plan credit of €1,500.00 granted, the total amount of which has been drawn down as of the first day the contract is in force with a regular fixed monthly repayment method over twelve months, in which the customer would pay twelve monthly instalments of €125.00, the total amount owed being €1,500.00. The existence of further drawdowns from the Uni Insurance Plan credit in this period or payment incidents are not envisaged in this example. Multi-year or single premium policies can be financed for 12 months or up to the single-premium period for at most 36 months.
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: 900 151 948 or 952 07 62 63.
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.
