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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
Starting your business from scratch means starting at €0
What if today was the day to take the step? It's easier to take this step if we pave the way for you: company registration processed by an advisor, a zero-fee account, POS terminal and much more.
Getting started is your decision. We ant to make sure the entire process costs you €0
All you have to do is open your Business Account, sign up for the offer and meet the conditions:
Flat-rate POS terminal for €0
Enjoy a flat-rate POS terminal1 as a new customer and forget about the monthly fee if you meet all the conditions.
3 months of free advisory services from Legálitas Negocios2 sin coste
Receive legal advice and benefit from the online accounting and tax management service. And if you are a company, you can also benefit from our employment advisory services.
One year of free cyber-threat protection services
Choose a device from your computer, laptop, or smartphone and protect it with Cyber Guardian's cybersecurity service2 for one year.
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.
Do you have a business? To open your Business Account, go to an office and if you want to avoid queues, make an appointment.
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 cards3 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 payments3
Si necesitas cobrar antes de la fecha acordada en tus facturas, puedes financiar su anticipo para disponer del dinero.
Short and long-term financing3
Whether you need a loan or a credit facility, you'll have financing tailored to you.
Useful information:
1. Promotion valid until 20 January 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 and 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. (Mainland Spain, Balearic Islands and Canary Islands; does not include Ceuta and Melilla). 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 20 January 2026. Read the terms and conditions of the offer here.
3. Transaction subject to prior approval by the bank.