This 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
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.

Any POS terminal with a Flat Fee of €0/month1
Set up direct debit for your company’s social security payments or your self-employed contributions and taxes, take out a protection insurance policy with a minimum annual premium of €300, and get your first Flat Fee POS terminal with no monthly fee.
And when you take out your €0 Flat Fee POS terminal, you’ll also receive:
Six months of legal advice from Legálitas Negocios at a special price2
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.
Up to €30.99/month towards your 36-month technology lease agreement
Lease any device you need over 36 months and you could receive a bonus of up to €30.99, provided you meet the conditions3.
Do you want to start a business and take advantage of these benefits?
We have a Business Account that adapts to you, with no fees or conditions. Non-interest bearing account (nominal interest rate 0%, AER 0%).
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.
As a Santander customer, you'll have solutions for your everyday life:
Specialists to serve your needs
Call us anytime Monday to Friday, from 09:00 to 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. Ongoing legal advisory, plus accounting and tax management service. For Businesses, during the first year: €80/month + VAT for the first six months, then €120/month + VAT from month seven onwards. From month 13 onwards: €129/month + VAT (first pricing tier: up to 50 invoices per month). For Self-employed individuals, during the first year: From €75/month + VAT for the first six months, then €85/month + VAT from month seven onwards. From month 13 onwards: €85/month + VAT (first pricing tier: up to 50 invoices per month). Service provided by Legálitas Asistencia Legal, S.L. (Tax ID No. B-82305848), with registered office at c/ Vía de los Poblados, número 3, Parque Empresarial Cristalia, Edificio 5, planta 5.ª, 28033 Madrid. Cyber Guardian service: one year at no cost for one device, provided by Santander Services Solutions, S.L., with Tax ID No. B88372024 and registered office at AVDA CANTABRIA, S/N, Planta 0, Edificio Amazonia, 28660 Boadilla del Monte (Madrid). The accounting, tax management and cybersecurity services are available to customers who join the campaign and hold a Santander account. Banco Santander, S.A. does not provide financial, tax or any other form of advice, nor is it involved in any way in your relationship with Legálitas or Santander Services Solutions. Banco Santander, S.A. receives a fee for this collaboration. Promotion valid until 25 November 2026, view the terms and conditions of the promotion 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 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.
