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SpanishThis risk indicator refers to Business Account
1 / 6
This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Banco Santander is attached to the Credit Institutions Deposit Guarantee Fund. For money deposits the maximum guaranteed amount is 100,000 euros per depositor in each credit institution.
HELP FOR GETTING STARTED WITH SELF-EMPLOYMENT
No more charges for getting paid and that goes for sole traders too!
If you’re self-employed, why be charged simply for getting paid! With a €0 Flat Fee POS terminal1, you can take card payments with no monthly charge and no hidden costs. It's that simple. Terms and conditions apply.
Your €0 Flat Fee POS terminal
Whether your store is online or on the high street, we have a POS terminal to suit your business and let your customers pay by card. To make sure your card machine2 doesn’t dent your earnings, sign up as a new customer for any POS terminal with our Flat Fee solution and pay no monthly fee.
And when you take out your €0 Flat Fee POS terminal, you’ll also receive:
Are you a Santander customer?
Not yet a customer? Open a fee-free Business Account.
- Set up and maintain a direct debit for your Social Security contributions.
- Set up and maintain a direct debit for at least one tax payment linked to your professional activity.
- Take out a protection insurance policy with an annual premium of at least €300.
BECOME A COSTUMER
Fee-free Business Account
No fees. No strings attached.
Forget the small print: no maintenance fee, no charges for paying in money, no minimum term, and no fees for direct debits. Non-interest bearing account (NIR 0%, AER 0%).
Debit card
No issue or annual fee. You can start using it as soon as you activate your account—even before your physical card arrives.
Fee-free transfers
tandard and instant euro transfers are free when made online or at an ATM (urgent transfers incur a fee).
As a self-employed person at Banco Santander you have more advantages
Santander X: Grow, digitalize and transform your company
Free online training through online courses for you and your team, as well as training programs.
Exclusive local and global events, international challenges with awards and a community of experts.
Credit card5 for the self-employed
With no issue or maintenance fee and no currency exchange fee on spending in currencies other than the euro.
Advances on your invoice payments5
If you need to collect before the agreed payment date for your invoices, you can finance advance so the funds are available.
Short- and long-term financing5
Whether you need a loan or a credit facility, you'll have financing tailored to you.
Plus, specialists to meet your needs
Call our Business Specialist Centre to receive support to build your business, Monday to Friday between 9.00 and 18.00.
And you will have 24/7 control with the Santander App
Control your accounts and cards
Access your accounts, even at other banks, and your Santander cards.
Pay taxes and bills and make any transfers you need.
Arrange products wherever you are and whenever you need to
Whether you are looking for a POS to charge for sales, financing to pay taxes or Renting to update your equipment.
Act quickly in response to any security incident
If you have lost your card, simply go to the card in the App so you can block it temporarily. You can also completely block cards and request new ones.
Pay for your online shopping quickly and securely
Authorise all your transactions from your mobile phone, confirming any purchase with your fingerprint or Face ID, thanks to Santander Key.
What important information do I need to know about the Business Account?
Before signing up for the account, it is important that you carefully consult and review these documents:
- Pre-contractual information: which describes how the account works and its characteristics. You'll find the most important things highlighted in bold.
- Fees information document: includes the fees to be paid for the most common services associated with the account.
Not yet registered as self-employed?
Don't worry: a Legálitas Negocios4 advisor will take care of it for you, free of charge, subject to certain conditions.
Forget about the tax authorities, Social Security and bureaucracy. Focus on getting your business up and running.
Everything you are looking for in a self-employed account
No commissions or conditions and 100% online.
Useful information:
1. Promotion valid until 25 November 2026: The monthly fee for the POS terminal under the “flat fee” option will be waived provided the following conditions are met: (1) You are the holder of a Santander Account; (2) You set up—or already have in place—a direct debit for your company’s Social Security contributions or for your self-employed Social Security contributions, as well as payment of at least one tax linked to your professional activity. (3) You enter into a POS terminal agreement with Getnet for the first time through the Bank under the “flat fee” option (card terminal service marketed by Banco Santander, S.A., offered and subject to prior approval by Getnet Europe, Entidad de Pago S.L.U., which safeguards the funds received from users by holding them in a separate account opened with Banco Santander S.A.) (4) You take out and maintain a protection insurance policy with an annual premium equal to or greater than €300. You must meet all the terms and conditions of the promotion and register for the campaign using the form made available to customers. The Campaign is open to individuals and legal entities who are resident in Spain for tax purposes. View terms and conditions of the promotion at https://www.bancosantander.es/en/sorteos-promociones.
2. POS terminal service marketed by Banco Santander, S.A., offered and subject to prior approval by Getnet Europe, Entidad de Pago S.L.U. Getnet Europe, Entidad de Pago S.L.U. safeguards funds received from users by holding them in a separate account opened with Banco Santander S.A.
3. Accounting and advisory service: three months at no cost for the service provided by Legálitas Asistencia Legal, S.L.U., with tax no. B-82305848, registered office at C/ Vía de los Poblados, número 3, Parque Empresarial Cristalia, Edificio 5, planta 5.ª, 28033 Madrid. Cyber Guardian service: one year at no cost for one device, provided by Santander Services Solutions, S.L., with tax no. B88372024, and registered office at AVDA CANTABRIA, S/N, Planta 0, Edificio Amazonia, 28660 Boadilla del Monte (Madrid). The accounting/advisory and cybersecurity services are available to customers who join the campaign and hold a Santander account. At no time does Banco Santander, S.A. provide financial, tax or any other form of advisory service, nor is it involved in any way in your relationship with Legálitas or Santander Services Solutions. Banco Santander, S.A. receives a fee for this collaboration. Promotion valid until 25 November 2026. View terms and conditions of the promotion at https://www.bancosantander.es/en/sorteos-promociones.
4. The advertised service is provided exclusively and independently by LEGÁLITAS ASISTENCIA LEGAL, S.L.U., Vía de los Poblados, 3, Parque Empresarial Cristalia, Edificio 5, planta 5.ª, 28033 Madrid. Tax number: B-82305848. If you wish to arrange the Service, you must enter into the relevant agreement with LEGÁLITAS, subject to the requirements and terms established by LEGÁLITAS from time to time. LEGÁLITAS will act as data controller in respect of your personal data for the purposes of performing the Service and will inform you about the processing of your data in accordance with its data protection policy. Banco Santander, S.A. plays no part in the service provided by LEGÁLITAS and under no circumstances will it be liable for the terms or quality of the service arranged with LEGÁLITAS. No liability arising from your relationship with LEGÁLITAS may be attributed to Banco Santander, S.A. At no time does Banco Santander, S.A. provide accounting, legal, financial, tax or any other advisory service, nor is it involved in any way in your relationship with LEGÁLITAS. Banco Santander, S.A. receives a fee for this collaboration.
5. Financing transaction subject to prior approval by the Bank.