Useful information:
1. Non-interest bearing account NIR 0%, AER 0% during the first year for new customers or inactive customers. Otherwise, the corresponding terms and conditions will apply. AER -1.49% provided all conditions are met (payables and receivables and arranging 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 Empresas debit card comes with a card issuance and maintenance fee of €0. AER -4.41% 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. AER -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.
2. Non-Interest-Bearing Account. Nominal interest rate: 0%. AER -0,29% for a continuous daily balance of €125,000 for a year, applying an annual nominal interest rate of 0% with an account maintenance fee of €360/year (€90/quarter).
3. Transaction subject to prior approval by the bank.