Unicaja has extended its referral incentive schemes for new customers, known as ‘Plan Amigo’1 and ‘Plan Solidario’2 , until 30 June. Since their launch in late 2025, these schemes have attracted more than 11,500 participants, including both referrers and those referred.
With these schemes, aimed at individuals, businesses and the self-employed, the bank is strengthening its strategy for customer loyalty and growth, whilst offering the option to donate the financial incentive to social organisations, thereby helping to generate a positive impact on society.
With these initiatives, Unicaja customers acting as hosts receive €50 for each new guest customer who meets the promotion’s requirements.
The promotions are available both through Unicaja’s extensive branch network and via its Digital Banking service.
Requirements
To qualify for the incentive, the new referred customer must set up the direct payment of a salary or pension of at least €600 net per month, or a self-employed contribution of €50 or more, and redeem the code provided by the host at a branch or via the ‘Prizes and Promotions’ section of Digital Banking.
The maximum amount that can be received is €1,000 for private customers and up to €6,000 for businesses and self-employed individuals. In addition, new customers (‘guests’) may benefit from other promotions.
Indeed, with the customer at the heart of its business, Unicaja offers a range of products and services tailored to the needs of each segment, with a particular focus on businesses and the self-employed, key groups in the bank’s 2025–2027 Strategic Plan.
(1) Plan Amigo. Promotion valid for individuals of legal age who are Unicaja customers, hold at least one current account with the bank, and use Digital Banking. To join the promotion, customers must sign the Participation Form, which will be available until 30 June 2026, and share the code with family and friends who are not Unicaja customers (for these purposes, a person who, in the last 12 months, has been involved in any capacity with any product and/or service at Unicaja will not be considered a New Customer). To receive the €50 benefit, the guest must meet the following requirements: be a natural person of legal age, be a new customer of the Bank, open an account and be the primary account holder, redeem the code provided by their host, and set up a direct debit for a salary or pension of €600 or more, or a self-employed contribution of €50 or more.
For the HOST, both incentives are classified for tax purposes as capital gains, not subject to withholding tax or payment on account of personal income tax, without prejudice to any tax benefits the HOST may claim in their tax return under the scheme or through charitable donations. The customer shall be responsible for complying with their legal obligations, and Unicaja shall therefore be released from any liability. For further information, please consult the terms and conditions of the promotion.
(2) Plan Solidario. Promotion valid for legal entities and self-employed individuals of legal age who are Unicaja customers, hold at least one current account with the bank and have a Digital Banking contract. To join the promotion, they must sign the “Participation Form”, which will be available until 30 June 2026, and share the code with people with whom they have a professional, corporate or personal relationship, such as employees, partners, associates, cooperative members, suppliers, collaborators, friends or family members who are not Unicaja customers (for these purposes, a person who, in the last 12 months, has been involved in any capacity with any product and/or service at Unicaja will not be considered a “New Customer”). To receive the €50 benefit, the guest must meet the following requirements: be a natural person of legal age, be a new customer of the Bank, open an account and be the primary account holder, redeem the code provided by their host, and set up a direct payment for a salary or pension of €600 or more, or a self-employed contribution of €50 or more. View the legal terms and conditions of the promotion here.
Current tax regulations apply to this promotion. For self-employed HOSTS, both incentives (both the account credit and the donation to an NGO) are classified for tax purposes as capital gains, not subject to withholding tax or payment on account of personal income tax. For the HOST that is a legal entity, both incentives are classified for tax purposes as financial income or similar, not subject to withholding tax or payment on account of corporation tax. All of the above is without prejudice to any tax benefits the HOST may claim in their relevant tax return for making donations. The client shall be responsible for complying with their legal obligations, and Unicaja shall therefore be released from any liability.
