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
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(*) 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.
(**) Granting of our mortgages is subject to the institution's criteria. Mortgage for home purchases by natural persons who reside in Spain having income or wealth solely in euros.
(***) To participate in the draw for 30 prizes of €150, you must register for Bizum through the Unicaja App, sign up for the promotion and carry out a Bizum transaction. Promotion valid until April 30, 2025. The prize will be paid into the account associated with Bizum. See the terms and conditions here.
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).