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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.
Accounts
Zero-Fee Online Account for Young People
An account to suit your needs: saving, shopping, travelling, going to a concert, and much more
- No fees. No fees for having the account.
- No terms and conditions. No need to set up direct debits for your bills, have your salary deposited directly and no minimum term. Nothing.
- You can get up to €3001 if you bring your salary and set up direct debits for two monthly bills. You have until 14 January 2026.
Para mayores de 18 años.
Receive a debit card when you activate your account
No issuance or maintenance fees. Use it on your mobile phone while you wait to receive the physical card.
Send and receive money when you need it
Send Bizum payments to your friends and make transfers in less than 10 seconds to accounts in euros in the European Union.
ATMs worldwide
Free cash withdrawals at 30,000 Santander ATMs worldwide.
€3001 credited to your account!
For that thing you wanted so much but weren't sure you could have. Get it:
1.Open your Online Account for young people.
2. Sign up for the promotion via this link.
3. Set up a direct deposit for your income (salary, pension, etc.) of at least €600 and for two monthly bills.
If your income is €1,200 or more, you'll get €4001!
Travel more and pay less
Reduce your travel expenses with the Travel Plan:
- Up to three free cash withdrawals per month at any ATM worldwide2.
- You won't be charged a fee for purchases made with your card in currencies other than euros.
- Benefit from travel assistance insurance and purchase protection3.
- Buy foreign currency at your branch with no fees.
- Assistance in case of loss or theft of your card abroad.
For only €3/month.
Concerts and festivals, now closer than ever.
Santander SMusic is your gateway to:
Discounts on festivals and concerts, exclusive ticket presales, meet & greets with artists, and much more.
0:00 : 0:00
Every experience counts, here's where yours begin
From the Santander app, wherever you are, hassle-free.
You don't need to know everything to start, you just need to dare to move forward.
Take a step further to start investing
FundsETFsStocks
Start investing online with simple tools and a small amount of money.
Your future starts here
Find training for your professional and entrepreneurial development at Santander Open Academy.
University scholarships
Financial aid to study at university, at another national or international institution, for scholarships and research.
Job portal
Find job offers that suit your profile on the Universia Job Portal. Companies from Spain and the rest of the world post their job openings here.
Develop skills with courses
Choose between direct access programmes with unlimited places, or programmes offered at prestigious universities and institutions.
Santander X, for entrepreneurship
Santander X is Banco Santander's global entrepreneurial community, providing you with the resources and support that you need to launch, grow and scale up your business.
How to open your Online Account for young people
100% online, no paperwork, and ready in just a few minutes
1
Enter your details
Fill in the personal details of the account holders
2
Identify yourself via video call
You don't need to go to your branch, you can do it with your mobile phone camera and with your National ID card/Foreigner's ID card.
3
Read and accept the terms and conditions of the agreement
We make it easy for you to sign the agreement, so you don't have to move from where you are.
What important information do I need to know about the Online Account for young people?
Before opening the account, it is important that you carefully read these documents:
Who can sign up for an Online Account?
The Online Account is a non-interest-bearing current account (NIR 0%, AER 0%), with no maintenance fees or terms and conditions. An account exclusively for new customers! Individuals aged 18 and over.
Can I have a credit card with the Online Account?
You can take out a credit card6 with no issuance or maintenance fees.
With your credit card, you will not have any fees when paying for your purchases in a currency other than euros during your trips.
Trust those who already use it.
Download the Santander App and enjoy a safe, fast and easy experience.
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Transparency without fine print
We want you to make decisions with all the information and without surprises. That's why we explain the terms and conditions of your Online Account in a clear and simple way, moving away from the usual fine print.
1. Referral cashback bonus of €400 gross for new salary or pension payments deposited directly in your account of at least €2,500/month and the payment of two direct debits per month from the same account. For salaries between €600/month and €2,500/month, the gross referral cashback bonus is €300. Minimum term of 24 months. You need to meet the terms and conditions of the offer and sign up for the campaign using the form for customers. The referral cashback bonus of the offer is income from capital subject to the relevant tax at the prevailing rate (currently 19%). The bank will withhold this amount and pay you the remainder (€324 and €243, respectively). Offer valid until 14 January 2026. Read the terms and conditions of the offer here.
2. Banco Santander will not charge a fee; it will only pass on to the customer the fee charged by the entity that owns the ATM.
3. When a customer signs up for the Programme, they are included as an insured party in the group insurance policies (i) "Travel Assistance Insurance" and (ii) "Purchase Protection Insurance" contracted by the Bank with the Insurance Company Legalitas Compañía de Seguros y Reaseguros, S.A.U. Card eligibility subject to the bank's prior approval. This card allows payment to be deferred (revolving). Remember to use your credit card in a responsible manner. Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.
4. Transactions subject to the Bank’s prior approval.
5. Financing subject to Banco Santander’s prior approval. For housing free of charges, liens and encumbrances.
6. Card awarding subject to the Bank’s prior approval. This card enables revolving payments. Please use your credit card responsibly. Abuse of financial services entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.
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