360° Account

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1 / 6

This number is indicative of the product risk, where 1/6 indicates lower risk, and 6/6 indicates greater risk.

Cajamar Caja Rural is a member of the Spanish Credit Entities Deposit Guarantee Fund. The maximum amount guaranteed actually by this Fund is 100,000 euros per depositor.

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360° Account



  • Your 360° Account has no maintenance charges (€0 per quarter)(1)
  • Very special interest rates for your savings, from the first cent up to €12.000.


From 0,25% NIR (0,25% AER)(2)for daily balances between €1.000 and €3.000

Up to 3,00% NIR (3,03% AER)(2) for daily balances between €3.000,01 and €12.000



  • Get a credit card with no issuance fee or maintenance charge just for having a 360° account.
  • Fully operational using online and mobile banking, with limitless instant transfers.

logo cuenta 360

You deserve an account like this!

(0)Internal Source. Figures calculated from the date the 360° Account was first commercialised in May 2015 up until February 2019

  • In order to take out a 360° Account, the customer must have the Online Banking service activated.

All the information to qualify for €0 Maintenance Charge on the 360° Account:

(1) If you fulfil ONE of the following two conditions, the 360° Account maintenance charge will be €0 / quarter:

  • 1) Condition 1 to qualify for the €0 maintenance charge: the customer must have any of the accepted assets or earnings (HA360) paid directly into the 360° account and fulfil two additional linkage conditions for the 360° Account (VA360), which involve any of the 360° Account holders having certain products taken out in their name.
  • 2) Condition 2 to qualify for the €0 maintenance charge: any of the account holders is a shareholder in the entity and has subscribed to equity capital contributions with an average quarterly balance of ≥ €1,000.

All the information you need about earning interest on the 360° Account:

(2) In order to earn interest on the balance of the 360° Account, the following two conditions must be simultaneously fulfilled:

  • 1) Condition 1 to earn interest: have a direct deposit arrangement in place in the 360° account for any of the accepted concepts (HA360).
  • 2) Condition 2 to earn interest: any of the account holders is a shareholder in the entity and has subscribed to equity capital contributions with an average quarterly balance of ≥ €1,000

And in addition, all of the following requirements must be met:

  • You must have an active Cajamar Consumo card, Visa Classic, Visa Business, Standard MasterCard or Professional MasterCard.
  • You must have registered for Online Banking.
  • The balance of the 360° Account must be greater than €1,000 (days when the balance falls below this amount will not earn interest).

If both of these linkage conditions to earn interest are fulfilled, along with all of the requirements, the daily balance will earn interest at the following rates:

  • Accounts with daily balances between €1,000 and €12,000 will earn interest at 0.25% NIR (0.25% AER) on the entire daily balance from the first cent. AER calculated for accounts with a daily credit balance of €3,000, when all conditions are met.
  • AER 0.25% for NIR: 0.25%. Interest paid quarterly. The gross remuneration from 31/12/2018 to 31/03/2019 is €1.85 for a daily balance of 3,000 euros during the period.

If, in addition, the additional Linkage Conditions (VA360) for the 360° Account are fulfilled, the daily balance will earn interest at the following rates:

  • Accounts with daily balances between €1,000 and €3,000 will earn interest at 0.25% NIR (0.25% AER) on the entire daily balance from the first cent. AER calculated for accounts with a daily credit balance of €3,000, when all conditions are met.
  • AER 0.25% for NIR: 0.25%. Interest paid quarterly. The gross remuneration from 31/12/2018 to 31/03/2019 is €1.85 for a daily balance of 3,000 euros during the period.
  • Accounts with daily balances between €3,000.01 and €12,000 will earn interest at 3.00% NIR (3.04% AER) on the entire daily balance from the first cent. AER calculated for accounts with a daily credit balance of € 12,000, when all conditions are met.
  • AER 3.03% for NIR: 3.00%. Interest paid quarterly. The gross remuneration from 31/12/2018 to 31/03/2019 is €88.77 for a daily balance of 12,000 euros during the period.

(HA360) Earnings/assets accepted for the 360° Account.

  • Minimum monthly salary of €645.30 (received by period standing order from the Payment Centre).
  • Recurrent earnings comparable to the receipt of a salary for the minimum monthly amount of €645.30 (excluding cash deposits)(*)
  • Minimum monthly pension of €300.
  • Self-employment social security payment or Pension mutual fund contribution, with no minimum amount.
  • CAP subsidies for a minimum amount of €3,000 in the 12 months previously.
(*)Recurrent earnings for a minimum monthly amount of €645.30. Recurrent earnings are classed as pay cheques or transfers issued by the payer. Cash deposits and internal transfers between the customer's own accounts are excluded for these purposes.

(VA360) Additional Linkage Conditions for 360° Account: any of the holders must have the following in place in the 360° Account:

  • 1 Contributions to a Pension Plan (PP) of at least 600 euros. (**),(***)
  • 2 Take out or hold Risk Life Insurance with a minimum insured sum of 50,000 euros.
  • 3 Take out or hold Home Insurance with a minimum annual premium of 190 euros. (***)
  • 4 Take out or hold Funeral Insurance with a minimum annual premium of 190 euros. (***)
  • 5 Take out or hold Temporary Working Incapacity Insurance with a minimum annual premium of 200 euros. (***)
  • 6 Maintenance of an average balance of at least 10,000 euros in investment funds in the 3 months prior to liquidation. (**)
  • 7 Purchases made with a Credit Card by any of the account holders (amount ≥ €2,400/year).(***)

The linkage conditions must be met with a single contract by one of the account holders. For contributions to Pension Plans contracts can be added together, provided they are in the name of the same holder.

(**) Contributions to Pension Plans and external transfers to Investment Funds for which gifts or bonuses linked to promotional campaigns carried out by the entity have been requested, are not valid as a linkage fulfilment.
(***) The amount indicated must be satisfied in the 12 months prior to the date of liquidation or the pro-rated amount equivalent to the period.