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Unicaja Banco — Spanish retail bank headquartered in Malaga, formed by the 2021 merger with Liberbank, supervised by Banco de Espana.

HQ
Malaga
Customers
3.4M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Unicaja Banco current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Unicaja Banco are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Unicaja Banco account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Mercadona
  • Carrefour
  • Dia
  • Lidl
  • Renfe
  • Repsol
  • Cepsa
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Movistar+
  • Disney+
  • Movistar
  • Orange Espana

  • How much sits across my Unicaja cuenta corriente and any savings products?
  • Compare my Unicaja card spend at Mercadona and Dia with last quarter.
  • List every recurring Movistar, Orange and Movistar+ payment on my Unicaja account.
  • What's the next direct debit due on my Unicaja account?

Does Bank AI move money on my Unicaja Banco account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Unicaja Banco. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Unicaja Banco app.

How does Bank AI connect to Unicaja Banco?

Unicaja Banco exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Is Liberbank the same as Unicaja?

Liberbank merged into Unicaja in 2021 and the brand has been progressively phased out. Existing customer accounts have been migrated; Bank AI reads them under the Unicaja connection.

Does Bank AI work with Unicaja business accounts?

Where Unicaja exposes business / autonomos accounts via PSD2, they appear under your Unicaja connection and are tagged separately for clean SME reporting.

What about my Unicaja credit card?

Unicaja credit cards are read as their own facility, with statement balances and the next direct-debit settlement date surfaced.

What happens if Unicaja Banco raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Unicaja Banco-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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