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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, 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

You won't have to pay any fees for the most common services for the first six months with the Company Zero-Fee Plan

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Account

No maintenance or administration fees1

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Business credit cards

No issuance or maintenance fees2

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Online transfers

No issuance fees3, including immediate transfers and payroll remittances

 

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POS terminals

You won't pay any maintenance fees for the POS terminals4 associated to your business

And what happens once those first six months have passed?

The greater your association is to us, the lower the costs

As from this first period, operate through us with the following association levels and you can benefit from the Company Zero-Fee Plan's exemptions and bonuses.

Cuenta Plan Cero Empresas de Unicaja

Customers with a maximum association level

Block 1
Business collections ⩾ €75,000
and At least three business payments

or

Block 2
Average on-demand/time deposit or investment or financing balance ⩾ €45,000
and At least three business payments
 

Cuenta Plan Cero Empresas de Unicaja

Customers with a medium association level

Block 1
Business collections ⩾ €45,000
and At least two business payments

or

Block 2
Average on-demand/time deposit or investment or financing balance ⩾ €20,000
and At least two business payments

Cuenta Plan Cero Empresas de Unicaja

Customers without any association

You do not meet the requirements. However, if you establish an association, you will have the possibility of receiving the bonuses.

We will measure your association level in the three months prior to each review. You will have to fully fulfil one of the four blocks' requirements, thereby allowing you enjoy the benefits in all the Company Zero-Fee Plan Accounts you may need.

Request the Company Zero-Fee Plan

Haven't we convinced you yet?

Cuenta Plan Cero Empresas de Unicaja

+ Benefits of the Company Zero-Fee Plan

  • Exemption from administration fees.

  • Exemption from customer's business or company credit card issuance and maintenance fees.

  • Exemption from Digital Banking SEPA transfer issuance fees, including periodic and immediate transfers and transfers made through ATMs.

  • Exemption from cheque or promissory note deposit fees.

  • Exemption from POS terminal maintenance fees (including technology fees) associated to a single business, except where said business has signed up for the Flat Rate Fee Scheme.

  • Exemption from payroll payment remittance fees.

  • SWIFT charges bonus (€5 per transaction).

Would you like to know how we calculate the maintenance fee that applies to you?

We will review your association level the moment you sign up for the product and subsequently on a monthly basis by measuring your activity and transactions in the three months prior to each review.

The terms below are construed as follows:

Business collections

  • Transfers received from another institution or collections from abroad.
  • Export credits or documentary remittances.
  • Direct debit remittance receipts.
  • Portfolio (physical or SEPA debits).
  • Cheque deposits.
  • POS terminal turnover.
  • Confirming advances/collections.
  • Factoring advances.

Business payments

  • Social security payments (one payment per quarter).
  • Taxes (one payment per quarter).
  • Payroll payments > €800 (one payment per quarter).
  • Foreign payments (one payment per quarter).
  • Directly debited bills (two payments per quarter). Social security and tax payments are not included.
  • SME life insurance (premium > €350).
  • General insurance (premiums > €500).

Average financing balances

  • Average balances drawn down from loans, credits, confirming, factoring, leasing, guarantees, discounts, foreign trade lines.

Average savings/investment balances

  • Average on-demand/time deposit balance.
  • Average investment balance: funds, Discretionary Portfolio Management service and securities.

Moreover, if you company's turnover or transactions exceed the ones envisaged for this product, we will provide you with a solution that covers your needs.

Request the Company Zero-Fee Plan

Company Zero-Fee Plan Account subscription process

You can go to any Unicaja Banco branch to sign up for the Company Zero-Fee Plan, where we will be delighted to help you out.

 

If you prefer, you can also request the Company Zero-Fee Plan by filling in the subscription form and indicating the branch where you would like it to be processed. We will then get in touch with you shortly.

 

If you have any doubts or queries, remember that you can call our Customer Service Department a: +34 900 15 19 48 or +34 952 07 62 24.

(*) "New customer" is construed to mean any legal person who has registered with the institution during the current year.

(1) AER of 0.00% calculated for an account having a constant average balance of €20,000 over a year at an APR of 0.00% and assuming that the association requirements set out above have been met; in other words, account maintenance and administration fees of €0.00 a month. Without interest.

(2)  The exemption will apply to the business credit cards associated to the company account.

(3)  For issuing euro-denominated transfers through Digital Banking (Unicaja website or app) or ATMs between customer payment accounts in the SEPA, including immediate transfers (fund movement orders, also known as FMOs, made through the Bank of Spain are excluded).

(4) The exemption will apply to the POS terminals associated to the business contract set out in the subscription document or to the one which replaces it.

(5) AER of -0.60% calculated for an account having a constant average balance of €20,000 over a year at an APR of 0.00% and assuming that the association requirements set out above have been met; in other words, account administration fees of €0.00 a month and account maintenance fees of €10.00 a month. Without interest. In the case described above, the AER would vary depending on the balance in the account.

(6) AER of -1.34% calculated for an account having a constant average balance of €20,000 over a year at an APR of 0.00% and assuming that the association requirements have been met; in other words, account administration fees of €2.40 a month and account maintenance fees of €20.00 a month. Without interest. In the case described above, the AER would vary depending on the balance in the account.

Can we help you?

  900 151 948

Also at 952 076 263 or through the contact form.

Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

We also put other contact methods at your disposal:

ATMs and offices
Help and contact

Customer Support

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