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SpanishThis risk indicator refers to Online Account.
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.
Zero-Fee Online Account for Young People
The freedom of youth
Free for customers aged 18 and over, with a debit card included when you open it.
Simple. Secure. For you
No fees100% digital
Debit card with no fees
Activate your Santander Debit Card and start using it on your mobile there and then. And remember: no issuance or maintenance fees.
Bizum and instant transfers
Send Bizum payments to your friends and make instant transfers to euro-denominated accounts in the European Union.
Up to €8401 over two years
Start today and add month by month. No tie-ins and no penalty.
1. Open your Online Account for young people.
2. Bring your salary of €800 or more to start earning rewards.
3. If you want to earn more, send at least three Bizum payments per month and set up two direct debits for bill payments.
Travel with complete peace of mind
Before you turn 30, the world is far too big to be paying extra.
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Pay abroad with no fees in any currency
Shop and pay abroad in any currency with no commission, any day of the week and with no spending limit, using any of your Santander cards. When you pay, remember to always choose the local currency on the POS terminal so that the corresponding exchange rate to Euros will be applied.
Withdraw cash abroad three times a month at no cost
Withdraw cash from ATMs anywhere in the world up to three times a month with no fee from us. Note that the ATM operator may charge its own fee. We prefer to be upfront about it.
Your money has plans too
Take the first step towards building your financial future
Start investing with small amounts, with options tailored to you and a fully online experience.
At your pace. With clear information.
Earn cashback2 on your purchases
Arrange a Santander Credit Card3 and we will refund 1%2 of all purchases you make during the first year.
Only until 30 June 2026 on the App and website!
Aim high with real support
The more you know, the better decisions you make
Discover tools and simulators that help you understand your money and make your everyday financial planning that bit easier.
Net salary calculator
Calculate your take-home pay easily by converting your gross salary into net pay.
Loan simulator
Calculate the monthly repayment on your personal loan in a few easy steps.
Income tax calculator
Calculate your personal income tax withholding in just a few steps based on your employment and family situation.
How to open the Online Account for Young People?
100% online, with no paperwork and ready in just a few minutes
1. Fill in your details
Enter the personal details of the account holders.
2. Upload your documents from your mobile
All you need is your phone’s camera and your National ID card or Foreigner's ID card.
3. Read and accept the terms and conditions
We let you sign online from the comfort of your own home, or wherever else you happen to be.
What important information do I need to know about the Online Account for Young People?
Before opening the account, it’s important that you read through the following documents carefully:
Frequently asked questions about the Online Account for Young People
Our Online Account is a non-interest-bearingcurrent account (nominal interest rate 0%, APR 0%), with no maintenance fee and no conditions. An account exclusively for new customers! Individuals aged 18 and over.
That’s right. The Online Account for Young People and the Santander Debit Card have no fees, forever, and with no age limit. It is an account designed for young people looking for a no-fee account with no strings attached, with the peace of mind you would expect from a bank such as Santander.
Your Online Account and your Santander Debit Card will remain completely fee-free. The only thing that changes is the specific benefits for young people, such as special perks when travelling, which are only available until you turn 30.
That’s right. If you are between 18 and 30, you can pay abroad with your card in any currency without fees, with no limit on the amount. You can do this any day of the week, based on the official Mastercard exchange rate. Be sure to select the local currency on the POS terminal and the corresponding exchange rate into euros will be applied. You also have three cash withdrawals abroad per month2 with zero fees payable.
That’s right. Santander is a regulated institution in Spain and your money is protected by the Spanish Deposit Guarantee Fund, which covers up to €100,000 per account holder and institution. So, in addition to having a fee-free and 100% online account, you’ll enjoy the peace of mind that comes from keeping your money with such a well-established and reputable bank.
Trust those who already use it
From the Santander App, wherever you are, without complications
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+410k ratings
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Transparency without the fine print
We want you to make decisions with all the information at hand and with no nasty surprises. That’s why we explain the terms and conditions of your Online Account clearly and simply, avoiding the dreaded fine print.
1. Offer valid until 30/10/2026 for customers aged 18 or over resident in Spain who set up eligible income payments (salary, pension or self-employed contribution payments of at least €800/month) and who do not already have them paid into the Bank.
Base incentive for paying in eligible income:
€10/month for income of between 800€ y 1,499€.
€15/month for income of €1,500 or more
Additional monthly incentives:
For monthly income of between 800€ y 1.499€: 3 Bizum transfers or 1 credit card transaction: 10 €, 2 direct debits: 10€. Maximum total monthly incentive: up to €30/month.
For monthly income of 1.500€: 3 Bizum transfers or 1 credit card transaction: 10€, 2 direct debits: 10€. Maximum total monthly incentive: up to €35/month:
Monthly bonus variable and conditional on meeting the requirements in each period, nbonus non-cumulative and non-retroactive, running for a maximum of 24 months. No tie-ins. Amounts subject to withholding tax in accordance with current tax legislation. See full terms and conditions at bancosantander.es.
2. Once the applicable tax withholding has been applied in accordance with current regulations. Maximum refund of €10 net per month. Promotion valid until 30 June 2026 for customers who take out the Santander Credit Card for the first time via the App or website. View terms and conditions of the promotion here.
3. Issuance of the card is subject to prior approval by the Bank. This card allows for deferred payment (revolving credit). Remember to use your credit card responsibly. Over-reliance on credit carries a risk of over-indebtedness, with long-term consequences that could affect your financial planning.
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