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No hidden small print

We want you to make informed decisions. That's why we've summarised the main terms below in a clear and straightforward way. You can then read the full legal terms and conditions.

1.Non-interest-bearing account. Nominal rate: 0%. AER: 0%.

2. Financing transactions subject to prior approval by the Bank.

3. Promotion valid until 25 November 2026: The monthly fee for the card payment terminal under the “flat rate” 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 card payment terminal agreement with Getnet for the first time through the Bank under the “flat rate” 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. Click here to view the terms and conditions of the promotion.

4. Ongoing legal advisory, plus accounting and tax management services. 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.

5. Furthermore, participants resident in mainland Spain, the Balearic Islands or the Canary Islands (excluding Ceuta and Melilla) who meet the above requirements and take out a 36-month technology lease agreement 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 at least €1,000 throughout the review month may be eligible for a monthly net discount of €30.99 (after the deduction of any withholding tax required under applicable tax legislation). 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 the terms and conditions of the promotion at https://www.bancosantander.es/en/sorteos-promociones.

6. The credit card is subject to prior approval by the Bank. This is a revolving credit card. Remember to use your credit card responsibly. Overreliance on credit carries a risk of over-indebtedness, with long-term consequences that could affect your financial planning. There isno issuance or annual fee on the card for the first year. From the second year, the annual fee will remain €0 if you spend annually more than €1,800. Otherwise, the annual fee will be €36.

7. Service provided by Mundo Franquicia Consulting, S.L. (Tax ID No. B82732306), with registered office at Calle José Echegaray nº 8, Edificio Alvia III, planta 2ª oficina 6, 28232 Las Rozas de Madrid (Madrid), Spain. Banco Santander acts solely as the promoter of this offer. All information, advice, contracting and provision of the service are the sole responsibility of Mundo Franquicia Consulting, S.L., which is exclusively responsible for the service. Banco Santander neither provides nor guarantees this service and accepts no liability arising from its contracting or performance. Banco Santander, S.A. receives a fee for this collaboration.