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SpanishThis risk indicator refers to Cuenta Negocios
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
Starting your business doesn't costthat much anymore. In fact, it could cost €0
If today is the day, don't let anything stop you. Because, in addition to the fee-free account, you get: management of registration of your business, a flat-rate POS terminal, legal advice services and cyber protection for free when you meet the conditions.
Cuenta Negocios, the easy way to get started with no fees
No fees, no terms and conditions
Forget the small print: no maintenance fee, no income requirement, no commitment, no need for direct debits. Non-interest bearing account (NIR 0%, AER 0%).
Debit card with accident insurance
Card with no issue or maintenance fees, with accident insurance of up to €120,0001. Use it after activating the account, without a physical card.
Fee-free transfers
There are no fees for standard and immediate transfers in euros online or using ATMs (fees apply to urgent transfers).
Starting is your decision.
If it costs you €0, that's on us
Starting a business takes courage. So, if you're self-employed, you can now get started without worrying about the initial costs of:
- Flat-rate POS2.
- 3 months of legal and tax advice from Legálitas Negocios3.
- 1 year of Cyber Guardian digital protection3 for one device.
Simply open your Cuenta Negocios, sign up for the offer here and meet the conditions.
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.
Your flat-rate POS terminal for €0
Whether you have a physical store or not, you'll have a POS system so your customers can pay by card – you can accept payments through your mobile, social media or website.
So that paying for your POS2 doesn't cut into your margins, sign up for any flat-rate POS as a new customer and you won't pay the monthly fee.
What are the requirements?
In addition to becoming a customer and signing up for the promotion, you must:
- Set up a direct debit for your Social Security contributions.
- Set up direct debit payments for at least one tax connected to your professional activity.
- Take out protection insurance with an annual premium of €300 or more.
Three months free3 from Legálitas Negocios
Receive advice on legal and labour matters, as well as online accounting and tax management.
What requirements must you satisfy?
You just have to become a customer and sign up for the campaign.
In addition, you can enjoy a MacBook Air 13” 256 GB SSD for €0/month
Sign up to lease5 a MacBook Air for 36 months
By signing up for a 36-month lease on a MacBook Air 13” 256 GB SSD, you can enjoy it at €0/month:
- Monthly leasing cost (VAT included): -30,99€
- Net monthly cashback to your account if you meet the conditions: 30,99€
You enjoy your MacBook Air for: 0€.
What requirements must you satisfy?
In addition to becoming a customer and signing up for the campaign, you must:
- Set up and maintain a direct debit for your Social Security contributions.
- Set up and maintain direct debit payments for at least one tax connected to your professional activity.
- Take out an insurance policy for an annual premium equal to or greater than €300.
- Use your credit card at least once a month or maintain a daily balance of at least €1,000
Unlimited training with Santander Open Academy
Participate in opportunities from prestigious institutions to train through programmes with limited places. You can learn: digital skills, communication, languages, business, financial health and more.
You can also take short courses with unlimited places to enhance your personal and professional development.
As a Santander customer, you'll have solutions for your everyday life:
Credit card6 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 payments6
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 financing6
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.
Useful information:
1. Accident insurance: Santander Seguros y Reaseguros, Compañía Aseguradora, S.A. This contract has been drawn up through Santander Intermediación Correduría de Seguros, S.A., which is registered as J-989 in the Special Register of Insurance Brokerage Companies. Third-party liability and financial capacity covered by applicable law.
2. Promotion valid until 20 January 2026: The monthly fee for the POS terminal will be waived in "flat rate" mode if the following conditions are met: (1) hold a Santander account; (2) set up and maintain direct debits for your company or self-employed social security contributions and payment of at least one tax related to your professional activity; (3) sign a flat-rate POS terminal contract with Getnet for the first time through the Bank (POS service marketed by Banco Santander, S.A., offered by and subject to prior approval from Getnet Europe, Entidad de Pago S.L.U., which safeguards user funds by depositing them in a segregated account held with Banco Santander, S.A.); and (4) take out and maintain a protection insurance policy with an annual premium of €300 or more by direct debit. All terms and conditions of the promotion must be met. New customers must sign up for this promotion by completing the registration form. The promotion is limited to individuals and legal entities residing in Spain for tax purposes (mainland Spain, the Balearic Islands and Canary Islands, excluding Ceuta and Melilla). Read the terms and conditions of the promotion here.
3. Management and advice service: 3 months free of charge for the service provided by Legálitas Asistencia Legal, S.L.U., with NIF B-82305848 and registered office at C/Vía de los Poblados 3, Parque Empresarial Cristalia, Building 5, 5th floor, 28033, Madrid. Cyber Guardian Service: one year of free service for one device provided by Santander Services Solutions, S.L., with NIF B88372024 and registered office at Avda Cantabria, S/N. Planta 0, Edf. Amazonia, 28660, Boadilla Del Monte, Madrid. The management and cybersecurity services are available to Santander account holders who sign up for the promotion. Banco Santander, S.A. does not provide financial, tax or other advice services at any time. It is not involved in your relationship with Legálitas or Santander Services Solutions. Banco Santander S.A. receives remuneration for this collaboration. Promotion valid until 20 January 2026. Read the terms and conditions of the promotion here.
4. The advertised service is provided exclusively and independently by LEGÁLITAS ASISTENCIA LEGAL, S.L.U., Vía de los Poblados 3, Parque Empresarial Cristalia, Building 5, 5th floor, 28033, Madrid. N.I.F. B-82305848. If you are interested in this service, you must sign a contract with LEGÁLITAS subject to its requirements and terms and conditions at the time. LEGÁLITAS will be responsible for your data for performance of the service and will inform you about the processing of your data in accordance with its data protection policy. Banco Santander, S.A. is not involved in the service provided by LEGÁLITAS. The Bank shall not be held liable for the conditions or quality of the service arranged with LEGÁLITAS. Banco Santander, S.A. shall not be held liable for any matters arising from your relationship with LEGÁLITAS. Banco Santander, S.A. does not provide any management, legal, financial, tax or other advice services. It is not party to your relationship with LEGÁLITAS. Banco Santander S.A. receives remuneration for this collaboration.
5. Customers who meet all the conditions of the promotion and enter into a 36-month technology leasing agreement offered by Banco Santander, hold any Santander credit card and either make at least one transaction per month with it or maintain a daily account balance of at least €1,000 during the month will be eligible for monthly cashback of €30.99 net (after applying withholding tax in accordance with prevailing tax regulations). The monthly value of the technology leasing contract must be at least equal to the cashback received. Lower leasing amounts are not eligible for this promotion. Leasing subject to prior approval by the Bank. All terms and conditions of the promotion must be met. New customers must sign up for this promotion by completing the registration form The promotion is limited to individuals and legal entities residing in Spain for tax purposes (mainland Spain, the Balearic Islands and Canary Islands, excluding Ceuta and Melilla). Promotion valid until 20 January 2026. Read the terms and conditions of the promotion here.
6. Subject to prior approval by the bank.