Zero-Fee Online Account for Young People¹

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. The eSIM service is provided by Gigs GmbH, with Tax ID No. 87 HRB220086 and registered office at Bergstr. 77, 10115 Berlin, Germany. Banco Santander acts solely as a sales channel and is not responsible for the provision of connectivity services. Customer support and incident management for the service will be provided by the supplier, without prejudice to Santander's own customer service channels. Use of the service is subject to the supplier's terms and conditions. Prices may vary depending on the destination and will be displayed at the time of purchase. Banco Santander S.A. receives remuneration for this partnership. 

6. The brokerage fee applicable to share and ETF purchase and sale transactions carried out through the Santander website or App is €1 per transaction for transactions with a value of up to €10,000, and 0.10% of the transaction value for transactions over €10,000.
Please refer to the costs and charges associated with these products and transactions.

7. Mi Cartera Selección. Fixed portfolio management fee of 0.40% + VAT per year on the value of the managed portfolio (charged quarterly).
See the costs and charges associated with the portfolio management service and the financial instruments purchased and held through this service.

8. View the terms and conditions of the promotion here. The promotion runs from 21 July 2026 to 31 March 2027 (inclusive) and is open to customers who are tax resident in Spain, under 30 years of age, and who sign up for the promotion and make a new investment of at least €50 (or the fund’s minimum investment amount, if higher) in one of the funds included in the promotion between 1 June 2026 and four calendar months after signing the Participation Form. The investment must be held for at least 12 months. Early withdrawal will incur a penalty. The cash Incentive amounts to €50 gross, which will be paid into the cash account designated in the Participation Form. The promotional cash Incentive qualifies as taxable investment income and is subject to the applicable withholding tax under prevailing tax legislation (currently 19%). The Bank will apply this tax and pay the Participant the remaining amount.
Financial instruments carry certain risks, including the risk of losing all or part of your investment. Before making any investment decision, you should consult the information contained in the legal documentation for the relevant financial instrument (in the case of collective investment schemes, this will be the Prospectus and the Key Information Document or KID), available from the relevant supervisory authority, the market on which the instrument is admitted to trading (if any), and on the issuer’s or manager’s website. This communication constitutes advertising and is intended for marketing purposes. © BANCO SANTANDER, S.A. 

9. 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.

10. 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.