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This number indicates the risk of the product, 1/6 indicates 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, whose 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.

Find out about the advantages of a bank that talks to you about solutions

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Accounts

Your accounts without any maintenance or administration fees1, except for Flat Rate or Comfort accounts.

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Card or POS

Your professional credit cards linked to the associated card contract that is designated or wireless mobile (GPRS, Bluetooth, Wi-Fi or Virtual) linked POS terminal without any maintenance fees2.

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Online transfers

All the transfers you need without paying a fee3.

 

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Cheque negotiation and clearance

You won't pay any fees4 for depositing cheques into your account.

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Certificates

Requesting your most usual certificates5 is free from any issuance fees.

Select the option that best suits your needs to meet the requirements of the Zero Professional Plan and you'll be able to perform the most common services for your business at no cost.

Request a Professional Zero Plan

Requirements of the Professional Zero Plan (Self-Employed)

Either of the two options (Option 1 / Option 2) must be fully fulfilled in order to be able to benefit from the Professional Zero Plan's fee exemption programme.

 

OPTION 1

 

Basic requirements (must be fulfilled simultaneously):

  • Recurrent income* equivalent to or greater than €7,200 in the last 12 months with a monthly deposit in at least six of the twelve months.
  • Spending with credit cards for an amount equal to or greater than €1,200 per year (or a minimum of 2 monthly transactions) or POS use equal to or greater than €600 per month (Consult the kind of transactions taken into account to calculate consumption in the Professional Zero Plan's terms).

 

Optional requirements (at least one of which must be fulfilled):

  • Balances amounting to €6,000 or more in the Bank (of which you are the account holder in: Current accounts, Deposits, Investment Funds (including Discretionary Portfolio Management)), Pension Plans and Savings Insurance Policies subscribed through Unicaja or brokered by it of which the customer is the holder.
  • Having taken out from the institution one or several insurance policies** (subscribed through Unicaja or brokered by it of which the customer is the holder) that are in force and the sum of said policies' paid premiums being equivalent to or greater than €100.


OPTION 2

 

Basic requirement:

  • Balances having a total amount equivalent to or greater than €20,000 at the institution of which the customer is the holder: demand accounts, investment funds (including Discretionary Investment Portfolio Management), pension plans and savings insurance taken out through Unicaja or brokered by it.

 

Optional requirements (at least one of which must be fulfilled):

  • Consumption on credit cards for an amount equivalent to or greater than €1,200 per year (consult the kind of transactions taken into account to calculate consumption in the Zero Plan's terms).
  • Having taken out from the institution one or several insurance policies** (subscribed through Unicaja or brokered by it of which the customer is the holder) that are in force and the sum of said policies' paid premiums being equivalent to or greater than €100.

Contracting process of the Professional Zero Plan (Self-Employed)

To enroll in the Professional Zero Plan (Self-Employed), go to any Unicaja, where we will be delighted to help you.

 

You can also apply for the Professional Zero Plan (Self-Employed) by filling out the application form and indicating the branch where you'd like to process it. We will contact you shortly.

 

Remember that if you have any questions or queries, you can call our customer service team on: +34 952 07 62 24.

Consult the terms of the Professional Zero Plan

Consult the Professional Zero Plan's terms

Easy-to-read small print:

Conditions valid for new memberships to Zero Plan made after 11/26/2024.

 

(1) AER of 0.00% calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00% if all the terms and conditions of the Professional Zero Plan are met; in other words, considering the account and credit card administration and maintenance fees are set at €0.00. Without interest. Consult the Zero Plan's Terms here.
Typical examples without meeting the terms and conditions of the Professional Zero Plan and considering a maximum administration fee of €9 per quarter, an account maintenance fee of €30 per quarter and an annual credit card maintenance fee of €44:

AER of -3.301% calculated for an account having a constant balance of €6,000 over the course of a year at an APR of 0.00%. Without interest.

AER of -9.710% calculated for an account having a constant balance of €2,000 over the course of a year at an APR of 0.00%. Without interest.

 

Professional Zero Plan and the benefits it provides will have an indefinite duration. Unicaja 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 professional credit card or POS terminal set forth in the application form or to the one which replaces it.


(3) Por emisión de transferencias ordinarias e inmediatas que realice el CLIENTE con cargo a cualquiera de sus cuentas/libretas, no urgentes, en euros, entre cuentas de pago de clientes ubicadas en la zona SEPA, siempre que se realicen a través de Banca (Web o APP Unicaja) o en toda la red propia de cajeros.


(4) In euros, payable in the Spanish National Compensation System (SNCE).

 

(5) Account movement, account balance and loan debt certificates.

 

(*) "Recurrent income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja of which they are the main holder with a frequency of at least one monthly transaction in six of the twelve months 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.

Can we help you?

 900 15 15 16

Also at 952 60 67 67 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:

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