Banco Santander

*Incentive of €20 gross (€16.20 net after applicable tax withholding). Promotion valid from 17/06/2026 to 15/09/2026 for individuals under 18 who open a new Youth Account or who already hold a Youth Account with a balance below €30 and make an initial deposit of at least €20. Registration and acceptance by the legal representative are required. View terms and conditions at www.bancosantander.es.

1. Offer valid until 30/10/2026 for customers aged 18 or over resident in Spain who set up eligible income payments (salary or pension of at least €800/month, or self-employed contributions) and who do not already have them paid into the Bank.
Base incentive for paying in eligible income: 

€10/month for income of between €800 and €1,499. 

€15/month for income of €1,500 or more. 

Additional monthly incentives: 

For monthly income of between €800 and €1,499: 3 Bizum transfers or 1 credit card transaction: €10; 2 direct debits: €10. Maximum total monthly incentive: up to €30/month. 
For income of €1,500 or more: 3 Bizum transfers or 1 credit card transaction: €10; 2 direct debits: €10.
Maximum total monthly incentive: up to €35/month. 

Monthly bonus variable and conditional on meeting the requirements in each period; bonus non-cumulative and non-retroactive, running for a maximum of 24 months. No tie-ins. Amounts subject to withholding tax in accordance with current tax legislation. See full terms and conditions at https://www.bancosantander.es.

2. Granting of the card subject to prior approval by the Bank. This card allows for deferred payment (revolving). Remember to use your credit card responsibly. The abusive use of financing implies a risk of over-indebtedness with long-term consequences that can affect your financial planning.

3. Once the tax withholding has been applied in accordance with the Regulations in Force. The maximum amount of reimbursement to be received per month will be €10 net/month. Promotion valid until 30/06/2026 for customers who take out the Santander Credit Card for the first time. Check the conditions of the promotion here.

4. Banco Santander, S.A. hereby informs you that the advertised Service is provided exclusively and independently by TAXDOWN S.L. with tax ID no. B-88287164 and registered office for these purposes at C/ Nao 4, Planta 2, 28004 Madrid. If you are interested in arranging the service, you will have to sign a contract with TAXDOWN, which will allow you to access a platform to file your income tax return, subject to the requirements and conditions established by TAXDOWN at any given time. TAXDOWN will be the data controller for the provision 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 associated with the platform and service provided by TAXDOWN, and the Bank will therefore not be held responsible for the conditions or quality of the service arranged with TAXDOWN, or for any issues regarding the platform's operation. Banco Santander cannot be held liable for your relationship with TAXDOWN, or for the use made of the platform. At no time may your relationship with TAXDOWN be considered to constitute a tax advisory service provided by Banco Santander, S.A.
Banco Santander S.A. receives remuneration for this collaboration.