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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.

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Business Account, fee-free so your company can progress without limits

savings

No maintenance fee or conditions

Non-remunerated account (TIN 0%, AER 0%) for legal entities whose annual revenue – or the annual revenue of the business group it belongs to – is less than €2 million.

card

Debit card with accident insurance policy

Card with no issuance or maintenance fees, with an accident insurance policy of up to €300,0001. Use it after activating the account, without the physical card.

sepa-transfers

Fee-free transfers and cheques

Standard and instant transfers in euros, online or at ATMs, are fee-free (urgent transfers are not fee-free).

Plus, no processing fees for domestic cheques in euros.

To open your Business Account, visit a branch and, if you want to avoid lines, make an appointment.

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You have what it takes to get started.
And now you also have solutions to get started for €0

Starting a business can be daunting. So now you can start your business without worrying about the initial costs:

 

checkmarkPOS with Flat Rate2.

checkmark3 months of legal and tax advice from Legálitas Negocios3

checkmark1 year of Cyber Guardian digital protection3 for one device.3 para un dispositivo.

 

Simply open your Cuenta Negocios, sign up for the offer here and meet the conditions.

If you have not yet created your company, set up your company through a Legálitas Negocios advisor for €044.
You won't have to deal with the tax authority, Social Security or apply for licences because you'll have an advisor who will do it for you.

I WANT TO SET UP MY COMPANY

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Your Flat Rate POS for €0


Whether you have a physical store or not, you'll have a POS system so your customers can pay by card – accept payments via your mobile, social media, or website.

So that paying for your POS2doesn't take away your margin, sign up for any POS with the Flat Rate as a new customer and you won't pay the monthly fee.

FIND YOUR POS

What requirements must you satisfy?

In addition to becoming a customer and signing up for the campaign, you must:

  1. Set up a direct debit and maintain your social security contributions.
  2. Set up and maintain direct debit payments for at least one tax connected to your professional activity.
  3. Take out an insurance policy for an annual premium equal to or greater than €300.
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Three months free3 from Legálitas Negocios

Receive advice on legal and labour matters, as well as online accounting and tax management.

What requirements must you satisfy?

You just have to become a customer and sign up for the campaign.

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One year of free cyberthreat protection

Choose a device – your desktop, laptop or smartphone – and protect it with Cyber Guardian's cybersecurity service3 for one year.


MEET CYBER GUARDIAN

What requirements must you satisfy?

You just have to become a customer and sign up for the campaign.

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In addition, you can enjoy a MacBook Air 13” 256 GB SSD for €0/month

Sign up to lease5 a MacBook Air for 36 months

By signing up for a 36-month lease on a MacBook Air 13” 256 GB SSD, you can enjoy it at €0/month:

Monthly leasing cost (VAT included)

-30,99€

Net monthly cashback to your account if you meet the conditions

30,99€

You enjoy your MacBook Air for:

0€

What requirements must you satisfy?

In addition to becoming a customer and signing up for the campaign, you must:

  1. Set up and maintain a direct debit for your Social Security contributions.
  2. Set up and maintain direct debit payments for at least one tax connected to your professional activity.
  3. Take out an insurance policy for an annual premium equal to or greater than €300.
  4. Use your credit card at least once a month or maintain a daily balance of at least €1,000
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Are these offers not for you?

Discover other offers you can access if you open a Business Account.

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As a Santander customer, you'll have solutions for your daily life:

phone-support

Specialists to serve your needs

The Business Specialist Centre will assist you by phone, Monday to Friday between 9.00 and 18.00

card

Credit card6 for companies

With no issuance or maintenance fee and no currency exchange fee when you make purchases in currencies other than euro.

sepa-transfers

Advance on your invoice payments6

If you need to collect before the date agreed on your invoices, you can finance the advance to have the money available.

short-term-financing

Short and long-term financing6

Whether you need a loan or a credit facility, you'll have financing tailored to you.

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Unlimited training with Santander Open Academy

Participate in opportunities from prestigious institutions to train through programmes with limited places. You'll learn digital skills, communication, languages, business, financial health and more.

Additionally, you can take short courses with unlimited places to enhance your personal and professional development.

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How can you open your Business Account?

1

Find your nearest branch

To find the branch that's most convenient for you, you can use our branch finder.

2

Make an appointment

If you're not a customer or don't have access to our digital channels, click the button and select the date, time and branch that best suits you.

3

Visit your branch

Remember to bring your company's documentation (Company Tax ID, articles of incorporation and Mercantile Registry extract) and that of the authorised persons.

Take advantage of the fact that starting your business now costs less; you have until 20 January 2026.

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What important information do I need to know about Cuenta Negocios account?

Before signing up for the account, it is important that you carefully consult and review these documents:

  • Pre-contractual information: which describes how the account works and its characteristics. You'll find the most important things highlighted in bold.


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And you'll have 24/7 control with the Santander Business App

Control your accounts and cards

Access your accounts, even at other banks, and your Santander cards.

Pay taxes and bills and make any transfers you need.

Act quickly in response to any security incident

If you have lost your card, simply go to the card in the App so you can block it temporarily. You can also completely block cards and request new ones.

Arrange products wherever you are and whenever you need to

Whether you are looking for a POS to charge for sales, financing to pay taxes or Renting to update your equipment.

Pay for your online shopping quickly and securely

Authorise all your transactions from your mobile phone, confirming any purchase with your fingerprint or Face ID, thanks to Santander Key.

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