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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.
Business Account
Boosting your business doesn't cost that much anymore. In fact, it could cost €0
If it's time to grow, here's the boost you need. In addition to the fee-free account, you get a Flat Rate POS system, legal advice and cyber protection for €0, subject to certain terms and conditions.
Business Account, fee-free so your company can progress without limits
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.
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.
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.
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:
- POS with Flat Rate2.
- 3 months of legal and tax advice from Legálitas Negocios3
- 1 year of Cyber Guardian digital protection3 for one device.
How to start your company?
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.
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.
What requirements must you satisfy?
In addition to becoming a customer and signing up for the campaign, you must:
- Set up a direct debit and maintain your social security contributions.
- Set up and maintain direct debit payments for at least one tax connected to your professional activity.
- Take out an insurance policy for an annual premium equal to or greater than €300.
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. .
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.
What requirements must you satisfy?
You just have to become a customer and sign up for the campaign.
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:
- Set up and maintain a direct debit for your Social Security contributions.
- Set up and maintain direct debit payments for at least one tax connected to your professional activity.
- Take out an insurance policy for an annual premium equal to or greater than €300.
- Use your credit card at least once a month or maintain a daily balance of at least €1,000
Are these offers not for you?
Discover other offers you can access if you open a Business Account.
As a Santander customer, you'll have solutions for your daily life
Credit card6 for companies
With no issuance or maintenance fee and no currency exchange fee when you make purchases in currencies other than euro.
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 and long-term financing6
Whether you need a loan or a credit facility, you'll have financing tailored to you.
Specialists to serve your needs
The Business Specialist Centre will assist you by phone, Monday to Friday between 9.00 and 18.00
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.
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.
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.
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.
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.
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.
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.
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 applicable law.
2. Offer valid until 20 January 2026: The monthly fee for the POS terminal in "flat rate" mode will be waived if the following conditions are met: (1) Hold a Santander account, and (2) set up and maintain direct debits for the company’s social security contributions, including both employer obligations and official social security contributions, as well as the payment of at least one tax related to your professional activity. (3) Enter into a flat-rate POS terminal contract with Getnet for the first time through the bank (POS service marketed by Banco Santander, S.A., offered by and subject to prior approval from Getnet Europe, Entidad de Pago S.L.U., which safeguards user funds by depositing them in a segregated account held with Banco Santander, S.A.); and (4) take out and maintain a protection insurance policy with an annual premium of €300 or more by direct debit. All terms and conditions of the offer must be met and the new customer must join the campaign by completing the corresponding registration form. The Campaign is limited to individuals and legal entities residing in Spain for tax purposes. (Mainland Spain, Balearic Islands and Canary Islands, excluding Ceuta and Melilla). See terms and conditions of the offer.
3. Management and advisory service, three months free of charge for the service provided by Legálitas Asistencia Legal, S.L.U., with NIF B-82305848 and registered office at C/ Vía de los Poblados, número 3, Parque Empresarial Cristalia, Edificio 5, planta 5ª 28033, Madrid. Cyber Guardian Service, one year of free service for one device prony circumstances, provide financial, tax or other advisory services, nor does it intervene in your relationship with Legalitas or Santander Services Solutions. Banco Santander S.A. receives compensation for this collaboration.Promotion valid until January 20, 2026. Check the conditions of the promotion.
4. The advertised service is provided exclusively and independently by LEGÁLITAS ASISTENCIA LEGAL, S.L.U., Vía de los Poblados, 3, Parque Empresarial Cristalia, Edificio 5, planta 5ª, 28033, Madrid. N.I.F. B-82305848. If you are interested in accessing the service, you must enter into the corresponding contract with LEGÁLITAS, subject to the requirements and conditions established by LEGÁLITAS at any given time. LEGÁLITAS will be responsible for your data for the execution of the service and will inform you about the processing of said data in accordance with its data protection policy. Banco Santander, S.A. is not involved in the service provided by LEGÁLITAS, so the bank will not be responsible for the conditions or quality of the service contracted with LEGÁLITAS. Banco Santander, S.A. cannot be held liable for any responsibility arising from your relationship with LEGÁLITAS. Banco Santander, S.A. at no time provides any management, legal, financial, tax or other advisory services, nor does it take part in your relationship with LEGÁLITAS. Banco Santander S.A. receives compensation for this collaboration.
5. Additionally, customers who meet all the conditions of the offer and enter into a 36-month technology leasing agreement offered by Banco Santander, hold any Santander credit card, and either make at least one transaction per month with it or maintain a daily balance in their account of €1,000 or more throughout the month under review, will be eligible to receive a monthly cashback of €30.99 net (after applying the withholding tax in accordance with current tax regulations). The monthly amount of the technology leasing contract must be greater than or equal to the cashback bonus received. Lower leasing amounts are not eligible for this offer. Leasing subject to prior approval by the bank. All terms and conditions of the offer must be met and the new customer must join the campaign by completing the corresponding registration form. The Campaign is limited to individuals and legal entities residing in Spain for tax purposes. (Mainland Spain, Balearic Islands and Canary Islands, excluding Ceuta and Melilla) Offer valid until 20 January 2026. Read the terms and conditions of the offer.
6. Transaction subject to prior approval by the bank.