Solutions for self-employed: Accounts, financing and more

Useful information:

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

2. Gross cashback bonus of €350 for new direct debits set up for the monthly social security contributions of self-employed workers (Special Scheme for Self-employed Workers (RETA)), for natural persons (self-employed workers), including two direct debits for monthly bills in the same account and providing the documents that show proof of being a member of the Health, Justice or ATA associations. If you do not provide documents showing proof of being a member of one of these associations, you will receive a gross cashback bonus of €300. Minimum term of 24 months. You need to meet the terms and conditions of the promotion and sign up for the campaign using the form provided for customers. The promotional cashback bonus is a return on investment income subject to the applicable tax rate (currently 19%), which the bank will withhold and then pay the remainder (€283.50 and €243, respectively) to the customer, for setting up the direct debits for their monthly social security contributions for self-employed workers and associated bills. Promotion valid until 31 March 2025, which may be extended. Read the terms and conditions of the promotion here.

3. Leasing offered by Banco Santander. Monthly cost of a 128 GB iPhone 16 with no insurance €24.99/month. Net monthly cashback bonus of €24.99 (after deduction of withholding tax at the current rate of 19%) will be received for signing a 36-month tech leasing contract by individuals who, for the first time, have their salary or pension of more than €1,200 paid directly to their account, or set up direct debits for their self-employed or mutual insurance contributions and maintain this together with the direct debit of two monthly bills, a monthly credit card transaction and an active Bizum service at Banco Santander. All of the terms and conditions of the promotion must be met. Customers must use the form to sign up for the campaign. Promotion valid until 15 February 2025. The leasing facility and credit card are subject to prior approval by the bank. Read the terms and conditions of the promotion at www.bancosantander.es. At the end of your leasing contract, you can keep your device by paying €287.98 (VAT included), return it or lease a new device to ensure you are always using the latest equipment.

4. Promotion valid until March 30, 2025, for new clients with annual revenues of less than €100,000 who formalize the TPV Contract and Request for Activation (Get Classic, Get Classic 4G, Get Classic Wifi, Get Checkout, Get Smart, Get Tap on Phone, Get Central, Get Mini) and the Flat Rate TPV Annex during the promotional period. This promotion will be extended for up to nine (9) months if, starting from January 2, 2025, and before the expiration of the initial 6-month promotional period (for contracting a TPV), the client has contracted at least one of the following Banco Santander cards: Santander Professional Credit Card, Business Credit Card, and has performed at least one monthly transaction with the contracted card during the months the promotion is extended or has contracted at least one of the following insurance products detailed below: Temporary Disability for Self-Employed PJ 315 6, Temporary Disability for Self-Employed PF 315 5, Santander MAPFRE Comprehensive Multi-Risk Commerce and Entrepreneurs 315 46, Santander MAPFRE Comprehensive Multi-Risk SMEs 315 47, Santander MAPFRE Comprehensive Multi-Risk Agricultural 315 45, Comprehensive Liability Insurance 315 61, Comprehensive Liability Insurance 315 60, and must maintain valid insurance contracts during the months the promotion is extended. For clients whose promotion has been extended to nine (9) months, it may be extended to twelve (12) months if they formalize a contract starting from January 2, 2025, and before the expiration of the initial 9-month promotional period, for both a credit card as listed above and at least one of the insurance products detailed. Consult the legal terms of the promotion here. Check our non-promotional rates at your Santander branch. TPV: TPV service commercialized by Banco Santander, S.A., offered and subject to prior approval by Getnet Europe, Entidad de Pago S.L.U. Getnet Europe, Entidad de Pago S.L.U., safeguards users' received funds through deposit in a segregated account held at Banco Santander S.A. Check our non-promotional rates at your Santander branch.

5. Transaction subject to prior authorisation by the Bank.

6. Insurance policies brokered by Santander Mediación Operador de Banca-Seguros Vinculado, S.A. with tax identification number A28360311 ("Santander Mediación") through its distribution network with Banco Santander, S.A., under the agency agreement it has signed with the following insurance companies: Santander Generales Seguros y Reaseguros, S.A. and Santander MAPFRE Seguros y Reaseguros, S.A. Santander Mediación is registered with the Directorate General of Insurance and Pension Funds under no. OV-0042 and has third-party liability insurance and financial capacity pursuant to current legislation. See the other insurance companies with which Santander Mediación has an Agency Contract for the distribution of insurance products at www.santandermediacionobsv.com.