When unemployment is charged in October 2025: Banks and Sepe dates

The Public State Employment Service (SEPE) will pay contributory benefits and unemployment subsidies from Friday, October 10, 2025. When this day fell on Friday, many beneficiaries wonder if the benefit can be delayed in payment to the next Monday or if, on the contrary, there are banks or banking entities that decide to advance the collection of unemployment. In this sense, we must know, that despite the dates established by the SEPE, there are banks that voluntarily advance the income, allowing certain beneficiaries to receive their money before the 10th.

The benefits that are charged that day is both the contributory benefit for unemployment (unemployment) and all assistance aids such as subsidy for people over 52 years or the price insufficiency. Of course, not to confuse with the minimum vital income, since it is charged at the beginning of the month to expired month.

What day is the unemployment charged in October 2025?

The Public State Employment Service pays all benefits next Friday, October 10, 2025 and, in the event that in a holiday province, the payment will be made the next business day. Even so there may be delays, but it must be clear that the entry will arrive before Wednesday 15.

The dates of the entry of the strike in October 2025 depending on the banks are from the following:

• CaixaBank: As of Friday, October 10.
• Banco Santander: As of Friday, October 3 (some offices talk about 3–4).
• OpenBank: As of Friday, October 3.
• Banco Medolanum: As of Monday, October 6.
• Cajasiete: As of Wednesday, October 8.
• Engineers Box: As of Wednesday, October 8.
• Deutsche Bank: without specific confirmation; The usual thing is from Friday, October 10.
• Bankinter: As of Friday, October 10.
• Evobank: As of Friday, October 10.
• BBVA: As of Friday, October 10.
• Cajamar: As of Friday, October 10.
• Imaginbank: As of Friday, October 10.
• Unicaja: As of Friday, October 10.
• Kutxabank: without confirmation; General reference as of Friday, October 10.
• N26: As of Friday, October 10.
• Rural box: varies by province; usually as of Friday 10 (some 10–13).
• Cajasur: As of Friday, October 10.
• March Bank: Without confirmation; General orientation as of Friday, October 10.
• Ibercaja: As of Friday, October 10.
• Abanca: As of Friday, October 10.
• Banco Sabadell: As of Friday, October 10.
• ING: As of Friday, October 10 (the entity is setting it on “Day 10”).

How can I know how much I am going to collect unemployment?

To know the amount of unemployment benefit, you can consult it in the Electronic Headquarters of the Public Employment Service (SEPE). In the case of the contributory benefit, commonly known as “unemployment”, you should know that during the first 180 days 70 % of the regulatory base is perceived, and from the 181st, the amount is reduced to 60 % of said base until the benefit is exhausted. In addition, we must take into account that there are maximum and minimum amounts established by law.

For the subsidies approved before the reform with entry into force on November 1, 2024 (Royal Decree 2/2024), The amount is 80 % of the public indicator of multiple effects income (IPREM), and if the last contract was part -time, the proportional part will be charged. With the new regulations, the subsidies approved from that date will begin with 95 % of the IPREM during the first 180 days, will fall to 90 % between 181 and 360, and will be located at 80 % from day 361.

Why have I gained less unemployment this month?

There are several reasons why a person may not receive the fertilizer of unemployment on the planned date. The most common causes include the exhaustion of the provision or help, the recovery of undue charges by the SEPE, the application of sanctions for infractions such as not renewing the demand for employment, the beginning of a new work activity or the granting of a social security pension that is incompatible with the collection of unemployment.

Administrative problems can also arise, such as an error in the file that prevents payment, or delays in income by banking entities, which generally process payments from the 10th of each month.

If you have received a lower amount than you expected, the most frequent causes are usually the following. In the first payment of the benefit, the SEPE pays the proportional party from the date on which the right was recognized until the end of that month. Similarly, in the last month of benefit, only the proportional part corresponding to the remaining law days is paid.

Another reason is the reduction of the contributory benefit from the seventh month, when the amount goes from 70 % to 60 % of the regulatory base. Finally, if the beneficiary compatibilizes the collection of unemployment with part -time work, the amount of the benefit will be adjusted proportionally to the hours worked.