See all results

Menu

1 / 6

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. Choose a fee-free relationship of trust with us.

icono-cuentas-sin-comisiones-empresas

Accounts

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

icono-tarjeta-tpv-sin-comision

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.

icono-transferencias-sin-comision-empresas

Online transfers

Make all the transfers you need without paying a fee3.

 

icono-cheques-sin-comision

Cheque negotiation and clearance

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

icono-certificados-sin-comision-empresas

Certificates

And now, in addition, requesting your most usual certificates5 is free from any issuance fees.

Plan Cero Profesional (Autónomos) de Unicaja

Choose the option that best suits you to meet the requirements of the Professional Zero-Fee Plan and performing the most common services for your business won't cost you anything at all.

Request a Professional Zero Plan

Requirements

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 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.
  • Consumption on the credit cards associated to your business's account for an amount equivalent to or greater than €1,200 per year or POS terminal consumption for an amount equivalent 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 having a total amount equivalent to or greater than €6,000 in the institution's current accounts, deposits, investment funds (including Discretionary Portfolio Management) 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** 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** that are in force and the sum of said policies' paid premiums being equivalent to or greater than €200.

Contracting process

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

 

If you prefer, 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: +34 900 15 19 48 / +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:

Terms and conditions valid for new subscriptions to the Zero-Fee Plan made as from November 26, 2024.
 

(1) AER of 0.00% without interest, 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. (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 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 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).

 

(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?

 900 151 948

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

Back