Unicaja has announced the early pension payment schedule for 2026, a measure that reinforces its commitment to financial stability and comprehensive support for its senior customers. This group represents an essential part of the customer base, with 45% having their pension paid directly into the bank.
With the advance payment, customers can access their money before the end of the month, at no additional cost and with immediate deposit into their account, which facilitates expense planning. In 2026, the advance payment dates are: 22 January, 20 February, 23 March, 22 April, 22 May, 22 June, 23 July, 21 August, 22 September, 22 October, 23 November and 23 December.
This initiative is in addition to the exclusive benefits that Unicaja offers for setting up direct deposit of pensions with the bank. Customers who do not yet have direct deposit can receive up to €450 if the monthly amount is equal to or greater than €1,200, and €350 if it exceeds €600, provided that Bizum is activated in the app during the minimum contract period.
The latter requirement does not apply to those over 75 years of age, who are also not required to have a card in the Zero Plan (a programme that exempts them from the most common fees if they meet a series of requirements), which further simplifies the process.
On the other hand, to deal with unforeseen events, Unicaja offers senior customers the Pension Advance Loan, which allows them to obtain up to three monthly payments to be repaid within a maximum period of 12 months. It also offers insurance tailored to the needs of older people, including rapid diagnosis, annual check-ups and home care services, without medical questionnaires.
The bank's commitment to this group is also reflected in its financial activity. Thus, 60% of these customers with a direct deposit pension use a debit or credit card, 10% use Bizum, 20% have insurance policies and 10% have investment funds or discretionary portfolio management.
Digital and in-person support
Aware of the importance of personalised attention, Unicaja is strengthening its digital and in-person support. Currently, almost 40% of senior customers use Digital Banking.
In addition, in 2025, a total of 11,255 senior citizens participated in one of the training sessions offered as part of the Edufinet project, organized with Fundación Unicaja, to promote financial education and digital inclusion. Complementing the service provided in branches, the bank has a dedicated telephone line for people over 65, which is open Monday to Saturday from 8 a.m. to 10 p.m.
*Promoción válida hasta el 28/02/2026 para clientes y nuevos clientes que domicilien, una nómina o pensión por importe igual o superior a 600 € netos mensuales, o la cuota de autónomos por importe igual o superior a 50 € mensuales, no domiciliados en Unicaja en los 12 meses anteriores. Se abonará un incentivo neto de 283,50 € por domiciliar nómina o pensión entre 600 € y 1.199 €, o de 364,50 € netos si el importe es igual o superior a 1.200 €, o si se domicilia la cuota de autónomos igual o superior a 50 €. Para recibir el incentivo, es necesario además tener activado Bizum en la app de Unicaja (excepto para personas mayores de 75 años y autónomos) y firmar compromiso de permanencia de 24 meses. Dispone de un plazo de 3 meses desde la adhesión para cumplir condiciones. El incentivo está sujeto a tributación como rendimiento de capital mobiliario.
**Concesión sujeta a criterio de la entidad.
***Seguros contratados con Unicorp Vida (accidentes o vida riesgo), Caser (autos, salud, dental, multirriesgo hogar, protección de pagos, mascotas, cazadores, alquiler a todo riesgo) y/o Santa Lucía (decesos) y mediados a través de Unicaja Mediación S.L.U., operador de banca-seguros vinculado, inscrito en el Registro Administrativo Especial de Distribuidores de Seguros de la Dirección General de Seguros y Fondos de Pensiones con nº inscripción OV-0010, actuando a través de la red de Unicaja Banco, S.A. Concertado seguro de responsabilidad civil de acuerdo a la legislación vigente. Puede consultar las compañías aseguradoras con las que Unicaja Mediación S.L.U. tiene contrato de agencia suscrito en www.unicajabanco.es/seguros. Coberturas de los seguros sujetas a las Condiciones Generales y Particulares de las pólizas contratadas.
