This risk indicator refers to current accounts
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.
In your business, every euro counts. Sign up for your POS terminal with a flat rate for €0/month1 and get paid by card at no monthly cost or surprises. Fulfilling conditions.
Whether your store is online or on the high street, we have a POS terminal to suit your business and let your customers pay by card. To make sure your card machine doesn’t dent your earnings, sign up as a new customer for any POS terminal with our Flat Fee solution and pay no monthly fee.
And when you take out your €0 Flat Fee POS terminal, you’ll also receive:
Six months of legal and tax advice from the experts at Legálitas Negocios at a special price2.
One year at no cost of Cyber Guardian for one device, including device, email and browsing protection2.
Take out a 36-month lease on any device your business needs and receive a discount of up to €30.99 per month by meeting the relevant conditions3.
Are you a Santander customer?
Not yet a customer? Open a fee-free Business Account.
BECOME A COSTUMER
Non-interest-bearing account (0% NIR, 0% AER) for legal entities with annual turnover—or that of the business group they belong to—of less than €2 million.
No issue or annual fee.
You can start using it as soon as you activate your account—even before your physical card arrives.
Pay no fees on standard and instant euro transfers made online or at an ATM (urgent transfers will incur a fee).
There’s also no fee for processing domestic euro cheques.
A fully remote process with support from a dedicated specialist
Take advantage of the fact that starting your business now costs less; you have until 25 November 2026.
Before signing up for the account, it is important that you carefully consult and review this document:
If you have not yet created your company, set up your company through a Legálitas Negocios advisor for €04.
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.
Discover other offers you can access if you open a Business Account.
Free online training through online courses for you and your team, as well as training programs.
Exclusive local and global events, international challenges with awards and a community of experts.
Credit card5 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 payments5
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 financing5
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
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.
No commissions, with a debit card and many benefits.
Useful information:
1. Promotion valid until 25 November 2026: The monthly fee for the POS terminal under the “flat fee” option will be waived provided the following conditions are met: (1) You are the holder of a Santander Account; (2) You set up—or already have in place—a direct debit for your company’s Social Security contributions or for your self-employed Social Security contributions, as well as payment of at least one tax linked to your professional activity. (3) You enter into a POS terminal agreement with Getnet for the first time through the Bank under the “flat fee” option (card terminal service marketed by Banco Santander, S.A., offered and subject to prior approval by Getnet Europe, Entidad de Pago S.L.U., which safeguards the funds received from users by holding them in a separate account opened with Banco Santander S.A.) (4) You take out and maintain a protection insurance policy with an annual premium equal to or greater than €300. You must meet all the terms and conditions of the promotion and register for the campaign using the form made available to customers. The Campaign is open to individuals and legal entities who are resident in Spain for tax purposes. View terms and conditions of the promotion at https://www.bancosantander.es/en/sorteos-promociones.
2. Ongoing legal advisory, plus accounting and tax management service. For Businesses, during the first year: €80/month + VAT for the first six months, then €120/month + VAT from month seven onwards. From month 13 onwards: €129/month + VAT (first pricing tier: up to 50 invoices per month). For Self-employed individuals, during the first year: From €75/month + VAT for the first six months, then €85/month + VAT from month seven onwards. From month 13 onwards: €85/month + VAT (first pricing tier: up to 50 invoices per month). Service provided by Legálitas Asistencia Legal, S.L. (Tax ID No. B-82305848), with registered office at c/ Vía de los Poblados, número 3, Parque Empresarial Cristalia, Edificio 5, planta 5.ª, 28033 Madrid. Cyber Guardian service: one year at no cost for one device, provided by Santander Services Solutions, S.L., with Tax ID No. B88372024 and registered office at AVDA CANTABRIA, S/N, Planta 0, Edificio Amazonia, 28660 Boadilla del Monte (Madrid). The accounting, tax management and cybersecurity services are available to customers who join the campaign and hold a Santander account. Banco Santander, S.A. does not provide financial, tax or any other form of advice, nor is it involved in any way in your relationship with Legálitas or Santander Services Solutions. Banco Santander, S.A. receives a fee for this collaboration. Promotion valid until 25 November 2026, view the terms and conditions of the promotion here .
3. Furthermore, participants resident in mainland Spain, the Balearic Islands or the Canary Islands (excluding Ceuta and Melilla) who meet the above conditions and arrange a 36-month technology lease offered by Banco Santander, hold any Santander credit card and either make at least one transaction per month with that card or maintain a daily account balance of €1,000 or more on every day of the month under review may receive a monthly rebate of €30.99 net (after applying any withholding that may be required under current tax regulations). The monthly rental amount for the technology lease taken out must be equal to or greater than the incentive received; leases with lower monthly amounts are not eligible for this campaign. The leasing transaction is subject to prior approval by the Bank. You must meet all the terms and conditions of the promotion and register for the campaign using the form made available to customers. View terms and conditions of the promotion at https://www.bancosantander.es/sorteos-promociones.
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 5.ª, 28033 Madrid. Tax number: B-82305848. If you wish to arrange the Service, you must enter into the relevant agreement with LEGÁLITAS, subject to the requirements and terms established by LEGÁLITAS from time to time. LEGÁLITAS will act as data controller in respect of your personal data for the purposes of performing the Service and will inform you about the processing of your data in accordance with its data protection policy. Banco Santander, S.A. plays no part in the service provided by LEGÁLITAS and under no circumstances will it be liable for the terms or quality of the service arranged with LEGÁLITAS. No liability arising from your relationship with LEGÁLITAS may be attributed to Banco Santander, S.A. At no time does Banco Santander, S.A. provide accounting, legal, financial, tax or any other advisory service, nor is it involved in any way in your relationship with LEGÁLITAS. Banco Santander, S.A. receives a fee for this collaboration.
5. Financing transaction subject to prior approval by the Bank.
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