Unicaja has revamped the ‘Requetecuenta Digital’, its interest-bearing online account aimed at new customers (private individuals and professionals). As it is compatible with other current customer acquisition promotions, it allows customers to earn up to €900 gross during the first year.
The return offered by the ‘Requetecuenta Digital’, which must be opened via Unicaja’s online channels, is up to 1.25% APR1 for the first 12 months and applies to a maximum average balance of €20,000.
Among the key changes, the most notable is the removal of the requirement to set up direct debits for salary, pension or self-employment contributions in order to benefit from the interest rate on offer. In addition, the maximum incentive for setting up direct debits for utility bills has been increased.
Specifically, this promotional offer, valid until 30 June, provides an incentive of up to €250 gross for opening an online account and maintaining a balance. Up to €200 gross can be added to this amount for direct debits of utility bills, and a further €450 gross can be added from the current campaign for the direct payment of salaries, pensions or self-employed contributions2, which is currently in force and available in branches for new customers or for existing customers who have not had such direct payment set up in the last 12 months.
With regard to utility bills (water, electricity, gas, telephone or internet), the 1% cashback on the total direct debit amount, as set out in the previous promotion, remains in place, but the annual limit has now been raised from €100 to €200 gross3.
This account also retains the exemption from maintenance and administration fees, as well as from SEPA4 transfers made via digital banking or ATMs, deposits of domestic cheques in euros, SMS notifications, and fees associated with the debit card linked to the online account.
The ‘Requetecuenta Digital’ is part of Unicaja’s strategy to attract new customers through an offering that combines profitability, simplicity and digitalisation. This policy is part of its people-centred banking model, aimed at providing financial solutions for everyday life.
A model of accessible and digital banking
Indeed, Unicaja continues to make progress in its digital transformation process, focusing, for example, on specific segments such as young people, and incorporates new digital capabilities that optimise the customer experience, equipping its app with greater functionality, security and ease of use. This is the case with Unicaja Key, a strong authentication system that simplifies the authorisation of transactions.
Unicaja is not only committed to in-person service through its extensive branch network, but also, as part of its 2025–2027 Strategic Plan, to a comprehensive offering via its digital banking platform, a key channel for interacting with its customers, particularly regarding transactions and product sign-ups.
In short, the bank continues to expand its range of products and services and its communication channels with the aim of adapting to the needs of each segment of the population and thus helping to facilitate their financial management through competitive, high-quality solutions.
(1) This offer is aimed exclusively at individuals who have not held any product or service with Unicaja over the last twelve months, and only one account may be opened per person. First-year return: 1.25% nominal interest rate (1.2572% APR) up to an average balance of €20,000.
Subsequent years: 0.00% nominal interest rate (0.00% APR).
Representative example calculated for the first year: provided an average balance of €20,000 is maintained, gross interest of €250 will accrue, at a rate of 1.25% APR (1.2572% NIR), with no maintenance or administration fees. After this period, the rate of return will be 0.00% APR (0.00% nominal interest rate), with no interest accruing. Interest will be paid monthly and will be taxed as investment income in accordance with current regulations.
The offer remains valid until 30 June 2026. You will also be exempt from paying maintenance and administration fees, as well as fees for standard and instant transfers in euros between customer payment accounts within the SEPA zone carried out via Unicaja’s Online Banking, Mobile Banking or ATMs; however, fund transfer orders (FTOs) processed via the Bank of Spain are excluded from this exemption.
(2) Promotion valid until 30 June 2026 for existing and new customers who set up the direct payment of a salary or pension of €600 or more net per month, or a self-employed contribution of €50 or more, provided they have not had a direct payment with Unicaja in the last twelve months. The incentive consists of a net cash payment of €283.50 if the salary or pension is between €600 and €1,199, or €364.50 if the amount is €1,200 or more, or if self-employed contributions are set up. See the full terms and conditions of the incentive here. You must sign a 24-month commitment to remain with the bank and meet the conditions within a maximum of three months from the date of joining. The incentives are considered capital gains and are subject to taxation.
(3) Quarterly refund of 1% of the total amount of direct debit payments made in the account holders’ name during the quarterly settlement period, with a maximum annual limit of €200. For these purposes, only water, electricity, gas and telecommunications bills are counted. This bonus cannot be combined with other similar promotions.
Interest received and the discount on direct debits are subject to taxation and are considered income from movable capital obtained from the transfer of own capital to third parties pursuant to Article 25.2 of Law 35/2006 on Personal Income Tax. Pursuant to Articles 74.1 and 75.1 of the Personal Income Tax Regulations, they are subject to withholding tax at the current withholding rate.
(4) Exemption from fees on standard and instant transfers in euros between accounts located within the SEPA zone carried out via Unicaja’s online banking, mobile banking or its network of ATMs. Fund transfer orders (FTOs) – via the Bank of Spain – are excluded from this exemption.
