Easy-To-Read Small Print

(*) Incentivo por domiciliación nómina o pensión: Para aquellas personas mayores de edad y primer titular de la cuenta de Unicaja en la que domicilien la nómina o pensión de entre 800 e inferiores a 2.000 € (siendo de 162€ la bonificación neta) o igual o superior a 2.000 € (siendo de 364,50€ la bonificación neta), se adhieran a la promoción que finaliza el 31 de julio de 2025, y que firmen compromiso de permanencia en la entidad de 24 meses ininterrumpidos. Será necesario que aquella nómina o pensión no estuviera domiciliada en la Entidad en los doce meses anteriores a la firma del documento de adhesión y que el cliente tenga Bizum activado en la app de Unicaja (estarán exentos de cumplir este requisito los clientes mayores de 75 años) durante todo el periodo de permanencia. Devolución de hasta 15 euros brutos mensuales, con el límite del importe de los recibos domiciliados, durante 12 meses (siendo de 12,15€ la bonificación neta) por los recibos domiciliados, a nombre del titular de la cuenta, con un límite máximo de 180 euros brutos al año (siendo de 145,8€ la bonificación neta). A estos efectos, será necesario que el cliente no tuviera recibos domiciliados en la Entidad en los doce meses anteriores a la firma del documento de adhesión. Se computan solo los recibos de agua, electricidad, gas y telecomunicación. Dispones de 3 meses desde la adhesión para cumplir los requisitos de la promoción. El abono en cuenta del cliente por domiciliación de nómina o pensión y por la domiciliación de recibos está sujeto a tributación y tiene la calificación fiscal de rendimientos de capital mobiliario obtenidos por la cesión a terceros de capitales propios, en virtud del artículo 25.2 de la Ley 35/2006 del IRPF. En virtud de los artículos 74.1 y 75.1 del Reglamento del IRPF estos rendimientos se encuentran sujetos a retención a cuenta, al tipo de retención vigente. Consulta bases y requisitos de la promoción aquí.

(1)  If you have your salary directly paid into a Online Account or Real Madrid Account, the authorised overdraft will be granted where there have been salary payments meeting the required amount over the course of three consecutive months.

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

The ZeroPlan exempts your accounts from any maintenance and administration fees, except for Flat Rate or Comfort Accounts, as well as from any issuance fees for any euro-denominated wire transfers the customer makes from their accounts on the Digital Banking service (Unicaja Banco website or app) or ATMs to customer payment accounts located in the SEPA (excluding Fund Movement Orders, also known as FMOs, made through the Bank of Spain) and the maintenance fees of cards held by the customer that are designated by them.Cal complir totalment alguna de les dues opcions per poder gaudir del programa d’exempcions de pla Zero.

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 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).

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*** (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.

(**) "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 handling or clearing of cheques.

(***) 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 Unicaja Banco, S.A. network. 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.

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.

(3) No fees on any ordinary and immediate euro-denominated wire transfers made through online channels in the SEPA area (within Spain or destination countries within the Common European Area).