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SpanishThis risk indicator refers to the 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.
Become an entrepeneur
It’s finally over. No more charges for taking card payments
For years, paying to collect by card has been something you have taken on. With the POS Flat Rate for €0/month1, we say enough is enough and eliminate that day-to-day cost. Because getting paid shouldn't take away from your business.
Arrange a POS terminal with a €0 Flat Rate
Clear pricing, no monthly cost, and no nasty surprises. Arrange a POS terminal1 with the Flat Rate as a new customer and pay no monthly fee, provided you meet the following conditions:
Three months of Legálitas Negocios2 advisory services at no cost
Enjoy online legal advice and accounting and tax management support. And if you are a company, this also includes employment law advice.
One year’s protection against cyber threats at no cost
Choose one device (desktop computer, laptop or smartphone) and protect it with the Cyber Guardian2 cybersecurity service for one year.
13” MacBook Air
36-month lease of a 13” MacBook Air, with a 256 GB SSD, for €0 fee per month, subject to terms and conditions3.
Do you want to start a business and take advantage of these benefits?
Discover all the details and conditions, whether you are self-employed or a company:
I am my business
Self-employed
Find out how you can get these products for €0 plus other benefits.
Boost your business
Business
Creating and moving forward with your business is now easier with these products and services for €0.
Business Account, the easy way to get started without fees
The Business Account has no fees or conditions and is non-remunerated (NIR 0%, TAE 0%).
Are you self-employed? Contract the account online in a few minutes. Discover it.
Do you have a business? To open your Business Account, you can do it online or make an appointment at the branch. Get to know it.
As a Santander customer, you'll have solutions for your everyday life:
Specialists to serve your needs
The Business Specialist Centre will assist you by phone, Monday to Friday between 9.00 and 18.00
Credit cards4 for businesses and self-employed workers
No issuance or maintenance fees and no currency exchange fees when making purchases in non-euro currencies.
Advance on your invoice payments4
Si necesitas cobrar antes de la fecha acordada en tus facturas, puedes financiar su anticipo para disponer del dinero.
Short and long-term financing4
Whether you need a loan or a credit facility, you'll have financing tailored to you.
Useful information:
1. Promotion valid until November 25, 2026: The monthly fee for the POS terminal in "flat rate" mode will be waived if the following conditions are met: (1) hold a Santander account, and (2) set up or maintain direct debits for the company’s social security payments, including both employer obligations and official social security contributions, as well as the payment of at least one tax related to your professional activity. (3) enter into 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 offer must be met and the new customer must join the offer by completing the corresponding registration form. This promotion is limited to individuals and legal entities resident in Spain for tax purposes. Read the terms and conditions of the offer here.
2. 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 O, Edf. Amazonia 28660 Boadilla Del Monte (Madrid). The management and cyber-security services can be enjoyed by joining the campaign and being a Santander account holder. 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 compensation for this collaboration. Offer valid until November 25, 2026. Read the terms and conditions of the offer here.
3. Furthermore, participants resident in mainland Spain, the Balearic Islands or the Canary Islands (excluding Ceuta and Melilla) who meet the above conditions and arrange a 36-month technology lease offered by Banco Santander, hold any Santander credit card and either make at least one transaction per month with that card or maintain a daily account balance of €1,000 or more on every day of the month under review may receive a monthly rebate of €30.99 net (after applying any withholding that may be required under current tax regulations). The monthly rental amount for the technology lease taken out must be equal to or greater than the incentive received; leases with lower monthly amounts are not eligible for this campaign. The leasing transaction is subject to prior approval by the Bank. You must meet all the terms and conditions of the promotion and register for the campaign using the form made available to customers. You can view the terms and conditions of the promotion here: https://www.bancosantander.es/en/sorteos-promociones.
4. Financing transactions subject to the bank’s prior approval.