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
Together to make it easier
Sign up for the Company Zero-Fee Plan and take advantage of all its benefits.
Operate through us with the following association levels and you can benefit from the Company Zero-Fee Plan's exemptions and bonuses.
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
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
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.
Account
No maintenance or administration fees1
Business credit cards
No issuance or maintenance fees4
Online transfers
No issuance fees5, including immediate transfers and payroll remittances
POS terminals
You won't pay any maintenance fees for the POS terminals6 associated to your business
Una vez finalizados los seis primeros meses, podrás seguir disfrutando de estas ventajas, en función de tu vinculación
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 payments
Average financing balances
Average savings/investment balances
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.
(*) Se entiende por cliente nuevo aquella persona jurídica o física dada de alta en la entidad en el ejercicio en curso.
(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 maximum requirements set out above have been met; in other words, account maintenance and administration fees of €0.00 a month. Without interest.
(2) 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.
(3) 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; representative example: 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.
(4) The exemption will apply to the business credit cards associated to the company account.
(5) 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).
(6) 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.
Can we help you?
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).
Or through our social networks:
