Piggy Bank Savings Account

You can only have one Piggy Bank Savings Account. 

You can have as many as five piggy banks. You can set as many savings rules as you wish for each one of them (deposits, rounding up, percentage of income, etc.) and you can also use the same savings method for different piggy banks.

In order to create a new piggy bank, you can select a Unicaja current account of which you are the holder, which will be the origin of any funds transferred, regardless of whether it is done through one-off or automated transfers or as a result of applying a savings rule associated to the piggy bank.

We analyse your piggy banks every night to see which savings methods you have selected and how they are set up. Once your piggy banks have been analysed, a single transfer will be made per piggy bank with the savings amount.

A percentage value is set up that is applied to the income you receive in the funds' account of origin in this savings method. This income includes salary, pension or unemployment benefit payments.

A rounding unit of 1, 2 or 3 units is set up in this savings method, so the rounding up is calculated for each purchase made with a debit or credit card up to the next higher unit, or up to the next two or three higher units.

The first piggy bank you create is automatically set up with the periodic transfer method, allowing you to set the amount and frequency thereof. From there, we advise you to try the rest of the savings methods available to see which one of them best suits your financial habits. The "percentage of income" savings method is suitable for anybody who wants to set aside a portion of their income immediately after receiving it. The "rounding up" savings method has been devised for those who wish to save little by little without even realising it. The "euros for goals" savings method has been conceived for those who want to spice up their savings and combine their passion for football with saving.

Yes, you can. Each piggy bank can have its own savings methods even though they are also being used for another piggy bank. You only have to take into account that they work independently. Thus, for instance, if you have set up two piggy banks with the "percentage of income" method with a value of 1% and 2% respectively, two transfers will be generated for you corresponding to 1% and 2% of the income you have received.

A savings goal is the name you give to your piggy bank, the reason why you have created it like, for instance, a trip, a new mobile phone, unforeseen events, etc.

Your savings methods will be disabled. In other words, no additional transfers to the piggy bank will be generated. As from that moment, your piggy bank will be ready for you to break it, withdraw the funds you have saved and spend them.

Yes, you can. Your funds will always be available. You can make a total or partial withdrawal from piggy banks that have reached their goals, as well as from those that have not. At Unicaja we want to see you achieve your goals. Thus, before finding yourself in a situation of having to withdraw funds from a piggy that has not reached its goal, we advise you to set up your savings methods at a pace with which you feel most comfortable.

It will be available the following day.

Piggy banks logs will be available for your consultation for an additional three years so you can check when and how you terminated your old piggy banks.