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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 of which the coverage has a maximum amount of €100,000 (or, in the case of deposits not denominated in euros, its equivalent in the currency in question) per depositor and credit institution.

Risk score related to the Account.

Find out about the advantages of a bank that talks to you about solutions. Choose a fee-free relationship of trust with us.

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Accounts

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

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Card or POS

Your professional credit cards linked to the associated card contract that is designated or wireless mobile (GPRS, Bluetooth, Wi-Fi or Virtual) linked POS terminal without any maintenance fees2.

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Online transfers

Make all the transfers you need without paying a fee3.

 

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Cheque negotiation and clearance

You won't pay any fees4 for depositing cheques into your account.

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Certificates

And now, in addition, requesting your most usual certificates5 is free from any issuance fees.

Plan Cero Profesional (Autónomos) de Unicaja

Choose the option that best suits you to meet the requirements of the Agricultural Professional Zero-Fee Plan and save on the fees for performing the most common services.

Request Professional Zero Plan

Requirements

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

 

OPTION 1

 

Basic requirements (must be fulfilled simultaneously):

  • Annual revenue* equal to or greater than €7,200, with at least one deposit within the last 12 months.
  • Spending with credit cards for an amount equal to or greater than €1,200 per year (or a minimum of 2 monthly transactions) or POS use equal to or greater than €600 per month (Consult the kind of transactions taken into account to calculate consumption in the Professional Zero Plan's terms).

 

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

  • Balances amounting to €6,000 or more in the Bank (of which you are the account holder in: Current accounts, Deposits, Investment Funds (including Discretionary Portfolio Management)), Pension Plans and Savings Insurance Policies subscribed through Unicaja or brokered by it of which the customer is the holder.
  • Having taken out from the institution one or several insurance policies** that are in force 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 at the institution of which the customer is the holder: demand accounts, investment funds (including Discretionary Investment Portfolio Management), pension plans and savings insurance taken out through Unicaja or brokered by it.

 

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

  • Consumption on credit cards for an amount equivalent to or greater than €1,200 per year (consult the kind of transactions taken into account to calculate consumption in the Zero Plan's terms).
  • Having taken out from the institution one or several insurance policies** that are in force and the sum of said policies' paid premiums being equivalent to or greater than €100.

Contracting process

To apply for the Professional Zero Plan (Agricultural), you can go to any of our Unicaja offices, where we will be happy to assist you.

 

If you prefer, you can also apply for an Professional Zero Plan (Agricultural) by filling out an application form and indicating the branch where you would like to process it. We will contact you shortly.

 

If you have any questions or queries, you can call our customer service team at: +34 900 15 19 48 / +34 952 07 62 63.

Consult the terms of the Professional Zero Plan for Agricultural sector

Consult the terms of Professional Zero Plan

Easy-to-read small print:

Terms and conditions valid for new subscriptions to the Zero-Fee Plan made as from November 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 Professional 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 Professional 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.

 

Professional 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 credit card or POS terminal set forth in the application form or to the one which replaces it.


(3) For issuing euro-denominated transfers through Digital Banking (Unicaja website or app) or ATMs between customer payment accounts in the SEPA (excluding immediate transfers and fund movement orders, also known as FMOs, made through the Bank of Spain).


(4) In euros, payable in the Spanish National Compensation System (SNCE).

 

(5) Account movement, account balance and loan debt certificates.

 

(*) "Deposited annual income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja of which they are the main holder 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?

 900 151 948

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).

We also put other contact methods at your disposal:

ATMs and offices
Help and contact

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