360° Account

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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.

We believe you deserve an account like this one.

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FOR YOUR EVERYDAY BANKING... OPEN A 360º ACCOUNT WITH NO MAINTENANCE CHARGE (€0 PER QUARTER)(1)

And you can also carry out the following in branch:

  • 5 monthly transfers, in euros, between accounts held with the same bank or between the Group's banks.
  • 5 monthly transfers, in euros, to external accounts held in EEA countries.
  • Depositing of cheques in euros, drawn on banks within Spain, with no limit in terms of number.
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FOR YOUR PAYMENTS... ENJOY A CREDIT CARD WITH NO ISSUANCE FEE

Maintenance fee:

0€ trimester (2)

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FOR YOUR SAVINGS... EARN INTEREST FROM THE FIRST CENT UP TO €12,000

Remuneration:

1,50% (3)(5)

Remuneration:

3,00% (4)(6)

(1) Provided you meet the following conditions:

  • Your salary must be paid directly into this account for a minimum individual monthly amount of €645.30, or a minimum monthly individual pension of €300, or you must pay your self-employment insurance by direct debit from this account.
  • You must be a shareholder of the Bank subscribing and maintaining equity contributions for an average quarterly balance of at least €1,000

Should you not meet either or both of these conditions, or if you have an outstanding unpaid debt with the bank, the maintenance charge will be the standard rate stipulated in the contract.

(2) Provided you meet the following conditions:

  • Condition (1).
  • At the time the fee is charged, the credit cardholder must still be signed up to the 360º rate.
  • The credit card must be used to make purchases worth at least €600 per quarter in the liquidated period.
  • If a card is issued to each of the account holders, each holder will have to meet this condition (1).

(3) Provided you meet the following conditions:

  • Condition (1)
  • You must have a daily credit balance of at least €1,000
  • You must have an activated Visa Classic or standard MasterCard.
  • You must have registered for our electronic banking service.

(4) Provided you meet the following conditions:

  • Condition (3)
  • You must have a daily credit balance of at least €3,000.
  • Any of the account holders must have at least 2 of the following products linked to the account:
  • Payments into a Pension Plan (PP) or Assured Retirement Plan (PPA) of at least 480 euros. If there is more than one account holder, their contributions will be added together, but will only be counted as one linkage condition.
  • Periodic or one-off payments into Periodic Premium Savings Insurance plans, for at least 480 euros (*)
  • Take out or hold Risk Life Insurance, with a minimum insured sum of 50,000 euros. (*)
  • Take out or hold Home Insurance, with a minimum annual premium of 190 euros. (*)
  • Take out or hold Funeral Insurance, with a minimum annual premium of 190 euros. (*)
  • Take out or hold Temporary Working Incapacity Insurance, with a minimum annual premium of 200 euros. (*)
  • Any of the 360 account holders has an average balance of at least 10,000 euros held in investment funds in the 3 months prior to liquidation. (*)

(*) Condition must be met by a single Insurance contract held by one of the holders and cannot be spread among different holders or Insurance contracts

(5) Sample Nominal Interest Rate: 1.50% AER 1.51%. Calculated for an account with a daily credit balance of €3,000. Monthly salary of €645.30. Maintenance charge €0 with quarterly payments.

(6) Sample Nominal Interest Rate: 3.000 %. AER 3.03%. Calculated for an account with a daily credit balance of €12,000. Monthly salary of €645.30. Maintenance charge €0 with quarterly payments, provided at least 2 of the products indicated are taken out or held. Otherwise, the nominal interest rate applied shall be: 1.50% AER 1.51%