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.
Why choose the Online Account?
All included and no costs:
- Account with no minimum requirements: no need to have your salary deposited in your account, to set up direct debits for bills and no minimum term.
- Debit card, with accident insurance of up to €120,0003 included.
- Bizum and non-urgent online transfers in euros.
- Cash withdrawals at 30,000 Santander ATMs worldwide.
- Available for multiple account holders and now also for non-residents.
Online Santander Account
Become a customer and choose your welcome offer
An iPhone 17 for €0/month1
Your iPhone 17 with a 36-month lease. Conditions:
- Have your salary paid directly to your account, for salaries of at least €1,200.
- Set up a direct debit of at least two monthly bills.
- Have your Bizum account activated in the Santander app.
- Use your credit card4 each month or keep a balance of €1,000 in your account.
How to open your Online Account?
100% online process, no paperwork and ready in just a few steps
1
Complete your personal details
Fill in your contact and personal details. You can streamline the process by taking a photo of your National ID card, Foreigner's ID card or passport.
2
Identify yourself
You can do this online via video. To do so, we will ask you for access to your camera. Or if you prefer, you can always provide your ID documents at a branch.
3
Read and sign the contract
Read and sign the terms of your contracts using the signature code we will send to the mobile phone number you provided.
All about the Online Account
FAQs
- Pre-contractual information: which describes the operation of the account and its features. You will find the most important things highlighted in bold.
- Fee information document: contains the fees payable for the most common services associated with the account.
The Santander Online Account is a non-interest-bearing current account (NIR 0%, AER 0%), with no maintenance fee and no conditions. An account exclusively for new customers! Individuals over the age of 18.
You can apply for a credit card4 with no issuance or maintenance fees. You can use your credit card to pay for purchases made abroad in a currency other than euros and be exempted from the commission for purchases in non-euro currency.
Become a customer
Become one of our millions of customers
4,8/5
Top ratings: 4,7 Google Play · 4,8 App Store
+30.000
ATMs worldwide
+3.000
Branches and agents in Spain
Other bank accounts that might interest you
1. Renting offered by Banco Santander. Monthly cost of a 256 GB iPhone 17 with no insurance €24.99/month. Net monthly cashback of €24.99 (after deduction of withholding at the current rate of 19%) will be received for signing a 36-month tech leasing contract by inviduals who (1) have their salary or pension of more than €1,200 paid into their account or set up direct debits for their self-employed or mutual insurance contributions, (2) maintain this together with the direct debit of two monthly bills, (3) have monthly credit card activity or an account balance equal to or greater than €1,000 every day of the month, and (4) have an active Bizum service at Banco Santander. All T&Cs must be met to take part in this promotion. Promotion valid until 14/01/2026. Renting transactions and the assignment of a credit card are subject to prior approval by the bank. You can read the promotion T&Cs here. At the end of your renting contract you can return the phone, take out a new contract or keep the phone by purchasing it for the value of: €288.00 (VAT included) for iPhone 17. Renting offers valid in the Mainland, Balearic Islands and Canary Islands, not valid in Ceuta and Melilla.
2. Bonus of €400 gross for new salary or pension payments made for an amount of at least €2,500/month and the payment of two bills per month from the same account. For salaries between €600/month and €2,500/month, the discount will be €300 gross. Minimum term of 24 months. You need to fulfil the terms and conditions of the promotion and sign up for the campaign using the form provided for customers. The promotional discount is a return on moveable capital subject to the relevant tax rate (currently 19%), which the bank will withhold, with the remainder (€324 and €243, respectively) then paid to the Participant. Promotion valid until January 14, 2026. Please read the terms and conditions for the promotion here.
3. This contract has been drawn up by Santander Intermediación Correduría de Seguros, S.A. Subject to the terms and conditions of the policy. Entered into the Special Insurance Brokerage Company Register under code no. J-989. Third-party liability and financial capacity covered in accordance with applicable law.
4. Transaction subject to prior approval by the bank.
5. Online Account: non-interest-bearing 0% NIR, 0% APR. Santander Account: non-interest-bearing interest, 0% NIR, 0% APR for customers between 18 and 28 years of age.