Cuenta Santander One Empresas

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

Santander One Empresas account

Designed for freelancers, businesses and SMEs, providing them with not only offers financial services for their day-to-day activities, but also business management and digitisation solutions at no additional cost.

OPEN AN ACCOUNT

Bank account for businesses and freelancers

The Santander One Empresas account is a non-interest bearing current account¹ that can be opened online.

FOR NEW CUSTOMERS	Enjoy all of the following benefits as well:
€0 /month¹	card	No issue or maintenance fees for Santander One Company credit and debit cards.
	sepa-transfers	No fees for transfers in euro from our online banking service, from the app or ATMs (does not include urgent transfers).
	check	No cheque processing fees for national cheques in euro.
in account maintenance fees during the first 12 months	account-management-euro	No fees for depositing or withdrawing cash from over 30,000 Santander ATMs across the world.

You can continue to benefit from zero fees throughout the duration of the account if you meet the following conditions²:

You ask Santander to manage your payables and receivables.
Arrange one of the following products: POS terminal, financing, protection or savings.

For example, you will pay €0 if you set up a direct debit for your social security contributions as a self-employed worker or your mutual insurance company's fees and have a POS terminal with an average monthly turnover of €500.

And, if you meet just one of these two conditions, you will pay a €15 fee³:

You ask Santander to manage your payables and receivables.
Arrange one of the following products: POS terminal, financing, protection or savings.

If you do not wish to ask Santander to manage your payables and receivables, or arrange the products mentioned above, you will pay a fee of €30⁴

OPEN AN ACCOUNT

To read more about the products you can take out and benefit from zero fees, please check the FAQs.

Santander One Empresas Plans

Make the most of your account

Santander One Plan

Company Payments

Santander One Plan

Company Iberia Plus

Santander One Plan

Company VIP Service

Santander One Plan

Company Digital Security

Santander One Plan

Company Travel

Santander One Plan

Company Payments

If your business makes frequent transfers or payments at branches, you can benefit from the following for only €6/month:

Unlimited number of the following types of transfers, with no additional fees:
- Immediate SEPA transfers.
- SEPA standard transfers¹.
ATM protection insurance².

for only €6/month

FIND OUT MORE

1. Urgent transfers are not included.

2. On signing the agreement with the Bank, the customer will be included as an insured party in the "ATM protection insurance" group insurance cash withdrawal and deposit policy taken out by the Bank with Legálitas Compañía de Seguros y Reaseguros, S.A., with Tax ID code No. A85180289 and registered address at Avda. de Leopoldo Calvo-Sotelo Bustelo, 6, 3º, 28224 Pozuelo de Alarcón, (Madrid).

Minimum duration of the service: six months. To sign up for this Plan, the customer must be the holder of a Santander One or Santander One Company account.

Santander One Plan

Company Iberia Plus

You can earn Avios by signing up for any of the three levels of this Plan (Basic, Premium or Elite) and continue to earn them every month by bringing your payables and receivables to Santander, and earn a 10% discount on your flights with Iberia.

from only €0/month

CHOOSE THE LEVEL

Santander One Plan

Company VIP Service

Benefit from exclusive benefits for your day-to-day activities, including legal specialised advice on matters related to non-payments and labour or Social Security. Includes:

VIP POS¹ terminal services::
- + Sales Service
- Bizum for your online business².
VIP services for your POS¹ terminal:
- Advisory service in cases where a sale leads to a dispute (917 290 434).
- We resolve all incidents related to POS terminals within no more than six hours.
Legal advice over the phone to handle non-payments³.
Legal advice³.

for only €6/month

FIND OUT MORE

1. Service offered and subject to the prior approval of Santander España Merchant Services, Entidad de Pago, S.L.U.

2. Provision of the Bizum C2eR service offered by Banco Santander, S.A.

3. Service offered through Legálitas Asistencia Legal, S.L. with Tax ID Code No. B82305848 and registered address at Avda. de Leopoldo Calvo-Sotelo Bustelo, 6, 3º, 28224 Pozuelo de Alarcón, (Madrid).

Minimum duration of the service: six months. To sign up for this Plan, the customer must be the holder of a Santander One or Santander One Company account.

Santander One Plan

Company Digital Security

Protect the digital privacy of your business and drive your digital transformation with the Santander One Company Digital Security Plan. You can benefit from the following services for only €6/month:

Cybersecurity¹.
Digital Safe Service².
Data protection1. You will receive legal advice over the phone on the following matters:
- Personal data protection.
- Obligations regarding security, transfer of rights and exercise of individual rights for you and for your business.

for only €6/month

FIND OUT MORE

1. Service offered through Legálitas Asistencia Legal, S.L. with Tax ID Code No. B82305848 and registered address at Avda. de Leopoldo Calvo-Sotelo Bustelo, 6, 3º, 28224 Pozuelo de Alarcón, (Madrid). Telephone service offered by Legálitas: 914 228 003.

2. This service is only available for freelancers. Customers can only arrange the Digital Safe Service (for individuals or enterprises) if they have arranged the Digital Security Plans for individuals or companies, respectively.

Minimum duration of the service: six months. To sign up for this Plan, the customer must be the holder of a Santander One or Santander One Company account.

Santander One Plan

Company Travel

With the Santander One Travel Plan, you can travel much more easily and safely, as it includes helpful services that you can enjoy during your trips.

Three cash withdrawals per month at any ATM abroad, at no cost¹.
No fees for non-euro purchases made with Santander One credit and debit cards.
Travel assistance²
Assistance in the event of theft or loss of your credit or debit card abroad
Currency purchase with no fees

for only €6/month

FIND OUT MORE

1. Banco Santander will not charge any fees; it will only pass on the fee charged by the ATM operator to the customer.

2. Once the customer has signed this agreement with the Bank for the Santander One Company Travel Plan, they will be included as an insured party in the group insurance policies (i) "Travel assistance insurance" and (ii) "Purchase protection insurance" contracted by the Bank with insurance company Legálitas Compañía de Seguros y Reaseguros, S.A. with Tax ID Code No. B82305848 and registered address at Avda. de Leopoldo Calvo-Sotelo Bustelo, 6, 3º, 28224 Pozuelo de Alarcón, (Madrid).

Minimum duration of the service: six months. To sign up for this Plan, the customer must be the holder of a Santander One or Santander One Company account.

OPEN AN ACCOUNT

Frequently asked questions about the Santander One Empresas account

What payables and receivables should I set up for direct debit to improve my terms?

Receivables: Invoice or receive payments worth at least €1,800 in the past three months from: payments processed with POS terminals, transfers, discount or collection management, collection of direct debit receipts, cheque or cash deposited earned from commercial activity, Agile Collection and Factoring.

Payables: payments during the past month of salaries, social security or mutual insurance company contributions or six transactions with credit or debit card in the past three months, or payments to suppliers (with Agile Payment, Standard Confirming and DUO or Financed Prompt Payment transactions).

What products can I arrange to improve my account's terms?

The POS terminal must have registered transactions worth at least €500 over the past three months. Also includes the Universal Pay POS terminal.
You can arrange the following financing products: Agile Collection, Factoring, Commercial Portfolio (discounts and N-58), Agile Payment, Standard Confirming and DUO, Financed Prompt Payment, Agroconfirming, personal loan or credit, mortgage loan, Renting (technology or car), Leasing, guarantee or line of guarantees.
One or more protection insurance policies brokered by Santander Mediación, with an annual insurance premium of at least €120.
With regard to the savings products, investment funds, pension plans or savings insurance plans, structured notes or structured financial products worth €5,000 or more.

Santander One Empresas account

Pre-contractual information of the Santander One Company account - Legal entities (pdf 1.04 MB)

Pre-contractual information of the Santander One Company account - Self-employed (pdf 1.04 MB)

Read the terms and conditions of the Santander One programme (pdf 1.38 MB)

OPEN AN ACCOUNT

1. NIR 0%, APR 0% during the first year for new customers or inactive customers. Otherwise, the corresponding terms and conditions will apply.

2. APR -1.49% provided all conditions are met (payables and receivables and taking out and using a POS terminal) and on the assumption that a daily balance of €4,000 is held for one year, subject to an annual nominal interest rate of 0%, an account maintenance fee of €0 and a POS terminal cost of €60/year (€5/month). Note also that for natural persons (individuals) the Santander One Company debit card comes with a card issuance and maintenance fee of €0.

3. APR -4.41% if terms and conditions are partially met, based on the same assumption regarding balance, interest rate and card and subject to an account maintenance fee of €180/year (€15/month), and assuming that terms and conditions regarding payables and receivables are met.

4. APR -8.64%, if terms and conditions are not met, based on the same assumption regarding balance, interest rate and card and subject to an account maintenance fee of €360/year (€30/month). Account settlement occurs on a monthly basis.