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EnglishThis 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 People1
The freedom of youth
Free for customers aged 18 and over, with a debit card included when you open it.
Get Beats Solo Buds for €02
If you're between 18 and 29 years old, get them at no cost with a voucher redeemable at Santander Boutique3.
How to get them It couldn’t be easier!
Open your Online Account
The first step to get your Beats Solo Buds is to open your Online Account if you aren’t an existing customer. It only takes a few minutes!
Sign up for the promotion
Once you have your account, log in to the Santander app to sign up for the promotion. You can view the terms and conditions here.
Link Bizum
Follow the steps to link Bizum to your account if you haven't already done so. Remember, you need to keep Bizum active for 12 months to benefit from the promotion.
Redeem your code
Once we have confirmed that you meet the conditions, we will send you a promotional code and explain how to redeem it through Santander Boutique to claim your Beats Solo Buds or the product of your choice.
What are you waiting for? Get yours now.
And you could also earn up to €8404 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.
London, New York, Tokyo
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 your first step into the world of finance
Start investing with small amounts, with options tailored to you and a fully online experience.
At your pace. With clear information.
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 month with zero fees payable.
That’s right. Santander is a well-established bank regulated in Spain, and your money is protected by the Spanish Deposit Guarantee Fund, which covers up to €100,000 per account holder and institution.
Got questions about how to get your Beats Solo Buds for €0?
The promotion is available to new customers aged between 18 and 29 who have opened an account with the Bank since 1 June and signed up for the Promotion.
It is also open to existing customers selected by the Bank who hold an account opened before the start of the Promotion Period (i.e. before 15 June 2026) and had not signed up for Bizum by that date.
To claim your reward, you must meet the conditions of the Promotion:
- Hold an account at the Bank.
- Be signed up for the Promotion.
- Link Bizum to your Santander account (if you haven't already) and keep it active for 12 months.
Once we have confirmed that you meet the conditions, you will receive your promotional code and details on how to redeem it through Santander Boutique.
No. All you need to do is have Bizum linked to your Santander account and meet the conditions of the promotion.
Once you have met the conditions of the promotion, you will be able to find your code on this screen under "I Want It". You will also receive a notification by email and through other digital channels explaining how to redeem your code. It may take a few minutes for your code to appear.
To use your voucher, simply enter the code in the designated field during the checkout process, before completing your order. Once the voucher has been validated, the corresponding discount or credit will be applied automatically and shown in your order summary, together with any remaining amount you may need to pay.
You can still use the voucher and simply pay the remaining balance.
Yes. The voucher can be used on the promoted product or on other eligible products available in Santander Boutique that are worth the same or more.
You can redeem your voucher until 15 January 2027.
Unfortunately, you cannot take part if you have previously registered for Bizum with the Bank.
No. The promotional voucher cannot be exchanged for cash or any other equivalent means of payment.
You can contact Santander Boutique Customer Service at info.snb@gruposantander.es
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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. Non-interest bearing account 0% NIR, 0% AER.
2. Incentive consisting of a €75 coupon, after deduction of the applicable withholding tax, redeemable through Santander Boutique for Beats Solo Buds – Transparent Red or another device of equal or greater value. Promotion valid from 29/06/2026 to 30/12/2026 for individual customers resident in Spain aged between 18 and 29 who sign up for the promotion, hold a current account with the Bank, activate Bizum with Banco Santander and keep it active for 12 months. Not valid in conjunction with other Bank promotions, except the "Hacemos crecer tu Beca" campaign. Coupon not redeemable for cash and subject to availability. View the terms and conditions of the promotion here.
3. The acquisition of devices through Santander Boutique is available exclusively to Banco Santander customers. The seller is “Santander New Business, S.A.”.
4. 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.
5. Once the applicable tax withholding has been applied in accordance with current regulations. Maximum refund of €10 net per month. Promotion valid until 31 January 2027 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.
6. 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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