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This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher 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, its equivalent in the relevant currency) per depositor and per credit institution.

Risk score related to the Account.

Discover the benefits of being a bank that talks to you about solutions

Accounts

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

Debit or Credit Card

Your card with no maintenance fee2.

Online transfers

Carry out all the transfers you require with no issuance fee3.

Certificates

Your most usual certificates4 is free from any issuance fees.

Conditions

Enjoying the Zero Plan is a lot easier than you think.

Choose the option that suits you best and you can stop paying commissions for the most common services with the Zero Plan

Request a Zero Plan

Requirements of the Zero Plan

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

 

OPTION 1

 

Basic requirements (must be fulfilled simultaneously):

  • Salary/Pension/Unemployment benefit deposited directly into the account monthly for a net amount equivalent to or greater than €600/month or recurrent income* equivalent to or greater than €7,200 in the last 12 months with a monthly deposit in at least 6 of the last 12 months.
  • Consumption on debit or credit cards or purchases in electronic stores through Bizum® C2eR for an amount equivalent to or greater than €1,200 per year or at least two transactions per month (consult the kind of transactions taken into account to calculate consumption in the Individual Zero Plan's terms). For customers aged 75 or older, the use of a card/Bizum is not required.

 

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

  • Balances having a total amount equivalent to or greater than €6,000 in the current accounts, term deposits, investment funds (including Discretionary Portfolio Management), pension plans and saving insurance subscribed through Unicaja or brokered by it of which the customer is the holder.
  • Having taken out from the institution one or several different savings insurance policies** subscribed through Unicaja or brokered by it of which the customer is the holder (as envisaged in the preceding option) 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 in current accounts, investment funds (including Discretionary Investment Portfolio Management), pension plans and savings insurance of which the customer is the holder.

 

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

  • Consumption on debit or credit cards or purchases in electronic stores through Bizum® C2eR for an amount equivalent to or greater than €1,200 per year or at least two transactions per month (consult the kind of transactions taken into account to calculate consumption in the Individual Zero Plan's terms).
  • Having taken out from the institution one or several different savings insurance policies** subscribed through Unicaja or brokered by it of which the customer is the holder (as envisaged as a basic requirement) and the sum of said policies' paid premiums being equivalent to or greater than €100.

Contracting process of the Zero Plan

To join the Zero Plan, you can go to any Unicaja branch, where we will be delighted to help you.

 

If you prefer, you can also join the Zero Plan by filling out the application form and indicating at which branch 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: 900 15 15 16 or 952 60 67 67.

Consult the Zero Plan's Terms

Consult the Zero Plan's terms

The small print in capital letters

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

 

(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 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 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.

 

The  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 debit or credit card set forth in the application form or to the card which replaces it. For customers aged 75 or older, the use of a card/Bizum is not required.


(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) 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

You can also contact the Bank by calling at 952 60 67 67 or through the contact form.

The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

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