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.


Learn about the advantages of the Online Account for self-employed



No fees or conditions available to multiple cardholders

It has no maintenance fee and no requirements: no income, no receipts, and no permanence.


POS for card payments1

Arrange a POS for your physical shop, online business or to sell on social media. You can receive help online, over the phone or by visiting a branch.

You will be able to get months without a fee of the POS Flat Rate if you meet the conditions.


Debit card with accident insurance

There are no issuance or maintenance fees and it includes accident insurance of up to €120,0002.

Available as soon as your account is opened, without needing a physical card.


The Online Account for the self-employed with no fees where you will benefit from…


Free transfers in the following cases:

  • In euros for online transfers or at ATMs. Except for urgent or instant transfers.
  • At any bank, even if it is not Santander, in Poland, Portugal and the UK. Foreign currency exchange fees still apply.

You can also use Bizum as normal.

Free cash withdrawals using debit cards:

Withdraw cash on debit with no fees from any of the 30,000 Santander ATMs worldwide or the more than 6,000 across Spain.


All your accounts in a single place:

  • Manage all of your bank accounts in a single app, without having to use third-party apps.
  • View your income and expenses, by period or category.
  • Receive messages with tips to manage your finances, thanks to the financial assistant.

How can you open an Online Account in just a few minutes?


Enter your details

Fill in the form with your details, such as your full name, Spanish national ID document (DNI), contact details and address.


Confirm your identity

Using the options that we offer for this process. If you choose to do this by video, we will request access to your camera.


Read and accept the contract terms and conditions

The General and Specific Terms and Conditions, using the signature that we will provide to you.

If you have already started the process of opening an account, you can continue here.


FAQs about the account for the self-employed

Who can open the Online Account?

The Santander Online Account is a non-interest bearing current account3 with no maintenance fees (0% NIR, 0% AER) and no terms and conditions. An exclusive account for new customers! Individuals who are tax residents of Spain and over 18 years old.

Can I request a credit card with the Online Account?

You can request a virtual credit card4 with no issuance or maintenance fees. If you want to receive a physical card, you will have to pay a one-off fee of €9.

You will be able to make purchases with your credit card in Bosnia and Herzegovina, Bulgaria, Switzerland, Czech Republic, Denmark, the United Kingdom, Gibraltar, Croatia, Hungary, Latvia, Norway, Poland, Romania, Serbia, Montenegro, Sweden and Turkey, with no fees for making a purchase in non-euro currencies.

Discover all our products and services for the self-employed

With your Online Account, you can arrange any products from our financial offer you may require4.



Simplified employee pension plans for the self-employed

Increase your tax deduction from €1,500 to €5,750.

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FROM €500

Loan for paying taxes online

Finance the payment of taxes such as VAT, Personal Income Tax or Corporate Tax and manage your cash flows.

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If you have already started the process of opening an account, you can continue here.

The Best Spanish Bank in 2023, according to The Banker

By accelerating change and becoming an agile digital organisation that delivers an exceptional experience to customers underpinned by technology.

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Online Account for the self-employed

Icon / check Created with Sketch. €0 maintenance fees.

Icon / check Created with Sketch. No conditions: no receipts, no self-employed fee, nothing.

Icon / check Created with Sketch. Exclusively for new customers.


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