Solutions for self-employed: Accounts, financing and more

Useful information:

*Non-interest-bearing account. NIR 0%, APR 0% during the first year for new customers or inactive customers. Otherwise, the corresponding terms and conditions will apply. APR -1.49% provided all conditions are met (payables and receivables and taking out and using a POS terminal) and on the assumption that a daily balance of €4,000 is held for one year, subject to an annual nominal interest rate of 0%, an account maintenance fee of €0 and a POS terminal cost of €60/year (€5/month). Note also that for natural persons (individuals) the Santander One Company debit card comes with a card issuance and maintenance fee of €0. APR -4.41% if terms and conditions are partially met, based on the same assumption regarding balance, interest rate and card and subject to an account maintenance fee of €180/year (€15/month), and assuming that terms and conditions regarding payables and receivables are met. APR -8.64%, if terms and conditions are not met, based on the same assumption regarding balance, interest rate and card and subject to an account maintenance fee of €360/year (€30/month). Account settlement occurs on a monthly basis.

1. Card eligibility subject to the bank's prior approval. This card allows payment to be deferred. Bear in mind that if you choose too low a repayment, your debt may remain outstanding longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card in a responsible manner. Engaging in excessive borrowing entails the risk of becoming over-indebted, which can have long-term consequences that may impact your financial planning.

2. Accident insurance: Santander Seguros y Reaseguros, Compañía Aseguradora, S.A. This contract has been drawn up through Santander Intermediación Correduría de Seguros, S.A. Listed as J-989 in the Special Insurance Brokerage Company Register. Third-party liability and financial capacity covered in accordance with applicable law.

3. Financing subject to prior approval by the Bank.

4. Insurance mediated by Santander Mediation Operator of Banca-Seguros Vinculado, S.A. (“Santander Mediación”), through its distribution network Banco Santander S.A., by virtue of the agency contract it has signed with the insurance companies: Santander Seguros y Reaseguros Compañía Aseguradora, S.A.; Santander Vida Seguros y Reaseguros, S.A.; Santander Generales Seguros y Reaseguros, S.A. and Santander Mapfre Seguros y Reaseguros, S.A.. Santander Mediación is a company registered in the registry of the General Directorate of Insurance and Pension Funds under number OV-0042 and has taken out civil liability and financial capacity insurance in accordance with current legislation. Consult the rest of the insurance companies with which Santander Mediación maintains an Agency Contract for the distribution of insurance products in www.santandermediacionobsv.com.