Account transfers

We offer you the possibility of bringing your account at another institution to your Unicaja account through the Account Transfer Service.

We will get in touch with the other institution to carry out all the formalities you choose, such as:

• Transfer your outgoing (wire transfers) and incoming (for instance, salary payments) periodic payment orders.
• Transfer your directly debited bills.
• Transfer the balance to your account and close the account at the other institution.

Changing directly debited bills and payments (electricity, telephone, etc.) involves a lot of paperwork and formalities that are always burdensome. Thanks to the Unicaja Account Transfer Service, you can process your change of accounts without leaving your Digital Banking Service. It takes just five minutes without any paperwork.

As from that moment, we well submit the change of account order on your behalf to all the bill issuers you request (water, electricity, telephony, schools, etc.). Moreover, we will keep you informed about the status of the request throughout the entire process and whether it is necessary for you to help us out in order to process the change of any of your direct debits.

It's that simple!

Yes, you can. Unicaja will request your other bank to provide it with information about your periodic transfers in order to initiate them from your account (if you so wish).

We can also request the issuers of recurrent payments into your account —like, for instance, your salary— to change the account.

Some of the bill issuers may not allow us to make the change for you. In which case you'll have to inform the issuing entity to change your debit account.

In so far as salary payments are concerned, it is possible that you might have to get in touch with your company's human resources department to request the change of credit account. Similarly, if the income is a non-contributory pension from Social Security or other agency, get in touch with them directly. In the case of unemployment benefits, you can change the account directly through the SEPE (Public State Employment Service).

Nonetheless, we will accompany you throughout the entire process, providing you with the forms you need so you can submit them to the bill or payment issuer.

If you so wish, we can additionally order your other bank to close your account of origin and send the resulting balance to new account on the date you tell us. All of this is done fully online, so you don't waste any of your time.

If you close the account at your other bank, please bear in mind that the other bank may ask you to return the cards, cheques and passbooks associated to said account.

Yes, it can. If you have products linked to the account (like loans, mortgages, investment funds, etc.), your other bank might reject the transfer request. Cancel all the products before making the transfer.

In order to ensure the transfer goes well, also remember that the Unicaja account must have the same holders as the account in the previous bank.

The request form must be signed by all of the old account's holders. In addition, the new Unicaja account must have the same holders. If they do not coincide, the institution of origin will reject the transfer request.