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Unicaja Banco offers a remuneration of up to 4% APR (3.94%NIR) for the direct deposit of salaries

This promotional campaign will be in force until 31 December and is limited to 50,000 accounts

18 SEP 2023

5 Min reading

Unicaja Banco offers a bonus for the direct deposit1 of salaries or pensions and, for this purpose, remunerates the balance with 4% APR2 (3.94% NIR), up to 5,000 euros, for the first two years.

 

The bank remunerates with up to 4% APR (3.94% NIR) during the first two years to customers who, through their branch, arrange the direct deposit of their salary or pension for the first time, for an amount equal to or greater than 1,200 euros net per month, and sign up for a credit card, Digital Banking and Unibuzón.

 

This promotional campaign, in force until 31 December, is aimed at both new and existing customers, provided that they arrange the direct deposit of their salary or pension with Unicaja Banco for the first time.

 

During the first two years, these customers will not have to pay any fees2 for online transfers, account maintenance or card fees.

 

As part of this promotion, customers who sign up for the Salary Account and have a salary or pension equal to or greater than 2,000 euros net per month can also receive an incentive of 100 euros3. To do so, it is necessary to meet the account requirements and sign a commitment to remain for two years.

 

 

Advantages

 

With the direct deposit of the salary or pension, customers can also benefit from advantages in the main banking products and services, such as the possibility of obtaining an overdraft account or a salary advance4, as well as access to life insurance5. New customers can access a free account transfer service to bring their salary or pension to the bank. 

 

 

 (1) This promotion is in force in until 31 December 2023 and limited to 50,000 accounts. Intended for new customers and existing individual customers. The customer acting as first holder of the account must have a salary or pension of €1,200 or more per month deposited by direct debit for the first time and keep it deposited, sign up for a card dredit associated with the Salary Account and be a holder of the Contract of Adhesion to the Remote banking services of Unicaja Banco, as well as sign up for the Unibuzón service. Only one Salary Account per customer is allowed. Not compatible with other promotions for the direct deposit of salary or pension. Meeting the requirements during the first two years of the contract: 3.94% NIR (4.00% APR). The maximum average balance to be remunerated in the Salary account is €5,000. Interest is paid quarterly. Representative example of settlement of the account calculated on the assumption of a daily balance of 5,000 €. constant for two years. Total interest first year: €197.05. Total interest second year: €197.05.

Not meeting the requirements: 0.00% NIR (-2.38% APR) calculated on the assumption of a constant daily balance of €5,000 for two years, an account maintenance fee of €30/quarter has been considered. Without interest. For the calculation of the APR, the observation c) of Annex 7 of Bank of Spain Circular No. 5/2012 has been taken into account, according to which a year has 365 days (in the case of leap years, 366), 52 weeks or twelve standardized months. A normalized month has 30.41666 days (i.e. 365/12), regardless of whether the year is a leap year. The remuneration of the account is subject to taxation and is classified for tax purposes as income from movable capital obtained from the transfer of equity to third parties, pursuant to Article 25.2 of the Personal Income Tax Law 35/2006 currently in force. UNICAJA BANCO will withhold the income tax on account of Personal Income Tax, pursuant to Article 74.1 of the Personal Income Tax Law, without passing this cost on to the customer and will pay it on behalf of the beneficiary. The tax repercussions that obtaining the incentive may have on the taxation of the beneficiary will be for the account of the beneficiary, and UNICAJA BANCO is relieved of any liability.

 

(2) No account maintenance fees, no credit card fees (except for MasterCard FIT and co-branded cards), no fees for online transfers (excluding immediate transfers and OMF) during the first 2 years. The rest of the years it remains at 0 euros/year if the conditions of the Fee-Free plan are met, which can be found at https://www.unicajabanco.es/es/particulares/cuentas-y-tarjetas/cuentas/plan-cero-comisiones.

 

(3) Incentive of an additional 100 euros for customers with a salary or pension equal to or greater than 2,000 euros, when the salary or pension is credited to the account.

 

(4) Granting subject to the bank's criteria. Promotion valid until 31/12/2023.

 

(5) Insurance taken through Unimediación S.L.U., linked insurance-banking operator, registered in the Special Administrative Registry of Insurance Distributors of the Directorate General of Insurance and Pension Funds with registration number OV-0010, acting through the network of Unicaja Banco, S.A. Civil liability insurance arranged in accordance with current legislation. The insurance companies with which Unimediación S.L.U. has an agency contract signed are available at www.unicajabanco.es/seguros.

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