Self-employed
Discover selected products and services for the self-employed.
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.
This risk indicator refers to current accounts
savings
€0 in maintenance fees permanently, with no need to arrange other products to maintain your account with zero fees.
This is a non-interest bearing account (NIR 0%, AER 0%) for legal entities with an annual turnover (of the entity itself or the group of companies to which it belongs) of less than 2 million euros.
card
For your company's expenses, you will get the Santander One Empresas Debit Card without any issuance or maintenance fees, which includes accident insurance of up to €300,0001.
transfer
Transfers in euros with no fees from your Santander Online Banking platform, the Santander App or from ATMs, except for urgent and instant transfers.
Plus, no processing fees for domestic cheques in euros.
How do I open a Cuenta Negocios account?To open a Cuenta Negocios account, just visit any Banco Santander branch. Or if you prefer, you can search for your nearest branch. |
Now you can get more than just an account with zero fees
Just follow these steps:
Sign up for a Flat Rate POS for your online or physical shop so you can charge via mobile phone or on social media platforms, and enjoy the first few months free of charge:
Taking out any of the insurance policies associated with the promotion only exempts you from paying the POS Flat Rate fee for three months if you have already taken out one of the credit cards.
Until December, 31. Read all the terms and conditions here.
If you prefer, you can also search for your nearest branch here.
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. listed as J-989 in the Special Insurance Brokerage Company Register. Third-party liability and financial capacity covered in accordance with the applicable law.
2. Cashback bonus of €500 gross for new direct debits of the company's new social security payments (TC1 and TC2) in addition to paying the salaries of at least one of your employees via our Online Banking platform. 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 is a return on capital subject to the relevant tax rate (currently 19%), which the Bank will withhold and then pay the participant the remainder (€405). Promotion valid until 31 December 2024 but may be extended. Read the terms and conditions of the promotion here.
3. Promotion valid until December 31, 2024 for customers who formalize the POS Registration Contract and Application (Get Smart, Get Classic, Get Mini, Get Central, Get Checkout ES and Get Moto) and the POS Flat Rate Addendum for the duration of the promotion or have not billed for 9 months with their device contracted with Getnet EU. This promotion will be extended to nine (9) months if you have contracted, as of June 3, 2024 and before the expiration of the initial 6-month promotion period (for contracting a POS terminal), at least one of these Banco Santander cards: CRÉDITO BUSINESS PACK TPV, CRÉDITO SANTANDER PROFESIONAL PACK POSV and must be made, at least one monthly transaction with the card contracted during the months in which the promotion is extended. For customers to whom this promotion has been extended to nine (9) months, it will be extended to twelve (12) months in the event of formalizing a contract, from June 3, 2024 and before the expiration of the initial 9-month promotion period (for contracting a POS terminal and a credit card) of at least one of the following insurances detailed below: Temporary Disability for Self-Employed Workers PJ 315 6, Temporary Disability for Self-Employed Workers PF 315 5, Santander MAPFRE Multi-Risk Integral Commerce and Entrepreneurs 315 46, Santander MAPFRE Multi-Risk Integral SMEs 315 47, Santander MAPFRE Multi-Risk Integral Agricultural 315 45, R.C. Integral 315 61, R.C. Integral 315 60 and must maintain the insurance contracts in force during the months in which the promotion is extended. Check the legal bases of the promotion here. Check our rates without promotion at your Santander branch.
4. Operation subject to prior authorization by the Bank.
5. Insurance brokered by Santander Mediación Operador de Banca-Seguros Vinculado, S.A., N.I.F. A28360311 ("Santander Mediación"), through its distribution network Banco Santander S.A., by virtue of the agency agreement it has signed with the insurance companies: Santander Generales Seguros y Reaseguros, S.A. and Santander MAPFRE Seguros y Reaseguros, S.A. Santander Mediación is a company registered with the Directorate General 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 has an Agency Agreement for the distribution of insurance products at www.santandermediacionobsv.com.
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