Constant high interest rate by a bank

 Hi, I still have problems with Unicaja. Though the interest rate around the world is about 1% , Unicaja is charging me 3.5% + normal rates which makes total up to 5-6 %  Is that legal? 

 it's legal until the the Bank of Spain says it's abusive or a judge does so. But it depends for what reason you are being charged the rates. I believe they can charge up to 2,5 times the legal interest rate on money. If it's on a loan or oustanding payment, I've seen up to 20% as a maximum. Not so long ago a customer won a court case against Sa Nostra who was charging him 24% interest.  If it's a mortgage the banks are charging euribor +2.5 at the moment and in some cases even more. It depends on a lot of factors. But there is a lot of abusive practise throughout the banks in Spain and the Bank of Spain doesn't seem to be putting it's foot down. Many are getting away with blue murder!