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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.
Refer your friends and earn up to €8001
Invite up to 10 friends and family members to open an account using your personalised code. You’ll receive €80 for each person who meets the conditions.
Offer runs until 31 January 2027.
How does it work?
Here's how you can earn up to €800 by referring your friends:
1
Sign up for the campaign
If you’re already a customer, simply sign up for the promotion to receive your personal referral code.
2
Share your code
Send your code to your friends and family so they can use it when opening an account. Your code can be used by up to 10 friends and family members.
3
Thank your friends
You’ll receive €80 for every friend who opens an account and meets the promotion’s terms and conditions. Up to a maximum of €800.
What your friends have to do
For you to receive your reward, your friends will need to:
1. Open an account using your promotional code:
A non-interest-bearing current account with no fees payable (0% nominal interest rate, 0% AER), and no conditions, which can be opened in just a few minutes from anywhere.
2. Your friend can choose between the following welcome offers and switch their salary payments:
Make sure your friends use your code and complete the required steps
To receive your reward, remember that your friend must:
- Use your personalised code for their chosen promotion.
- Sign up for one of the welcome offers and switch their salary payments.
FAQs
Answer your questions about the Bring a Friend to Santander promotion
You’ll receive two different codes, one for each promotion available to your friend and generated when you sign up for the promotion. Save them and then share them with anyone you’d like to invite to become a Banco Santander customer.
If you need to find them again, simply return to the page where you signed up for the promotion. When you try to sign up again, you’ll be shown your existing personalised codes instead. If you have an email address on record and have opted in to receive marketing communications, you’ll also receive an email containing your codes. Alternatively, you can request them from your bank manager.
Feel free to send your code to as many friends and family members as you like. However, it can only be used 10 times. In other words, it will no longer be valid once 10 friends have used it to join the promotion.
To receive your €80 gross reward, your friend must be tax resident in Spain and:
- Open a Santander Account, Santander Online Account, Santander Account for Professional Groups or Santander Business Account.
- Enter your referral code when opening their account. They must make sure they enter the right code for their chosen promotion, Santander Más or iPhone 18 Pro, as it cannot be added later.
- Sign up for one of these two promotions: Santander Más or iPhone 18 Pro.
- Meet the salary payment requirement for their chosen promotion.
You’ll receive your reward once the bank has verified that your friend meets all the requirements.
Your friend must enter your referral code when opening the account. It cannot be entered afterwards.
Before they get started, make sure you give them the right code for their chosen promotion:
- Santander Más: MGM840xxxx.
- iPhone 18 Pro: MGMIPHONExxx.
If they fail to enter the code when opening their account or enter the wrong code for their chosen promotion, we won’t be able to link their referral to you and you won’t receive the reward.
Once the Bank has verified that the person you referred has arranged for their income to be paid into their account in accordance with the terms and conditions of the campaign they joined, you will receive €80 gross (€64.80 net) in the account you specified when you joined the campaign. The payment will be made during the last week of the month in which compliance with the conditions is verified.
This friend will only count towards the bonus for the person whose invitation code they enter during the process of opening their new account.
You can sign up for the promotion and obtain your referral code from 21 October 2026 to 31 January 2027, inclusive.
Your friend will have an additional month to open a Santander Account, Santander Online Account, Santander Group Account or Santander Business Account and enter your referral code during the account opening process. The period for doing so runs from 21 October 2026 to 28 February 2027, both dates inclusive.
Accounts opened outside this period will not qualify for the reward.
Information about the Online Account
Before opening the account, you should carefully read the following documents:
1. €80 gross, €64.80 net for each new customer who meets the promotion's condition, up to a maximum of 10 customers; maximum amount of €800 gross, €648 net. Participants must sign up for the promotion at a branch or online. A document will then be generated and sent to their Contracts Inbox, where they can view it at any time. The promotion is open to individuals residing in Spain for tax purposes. Maximum of 10 referrals. Promotion valid until January 31, 2027. View the promotion terms and conditions here.
2. Promotion valid until October 30, 2026 for customers aged 18 or over who are resident in Spain and who pay in qualifying income (salary or pension of at least €800 per month, or self-employed social security contributions) that is not already paid into the Bank.
Base incentive for paying in eligible income:
€10/month for income between €800 and €1,499.
€15/month for income of €1,500 or more.
Additional monthly incentives:
For monthly income of between €800 and €1,499: at least three (3) Bizum transfers or one (1) credit card transaction: €10; at least two (2) direct debits: €10. Maximum total monthly incentive: up to €30/month.
For monthly income of €1,500 or more: at least three (3) Bizum transfers or one (1) credit card transaction: €10; at least two (2) direct debits: €10. Maximum total monthly incentive: up to €35/month.
Monthly bonus variable and conditional on meeting the requirements in each period; bonus 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
3. Leasing offered by Banco Santander. Monthly lease payment for the iPhone 18 Pro 256 GB without insurance: €36.99/month (including VAT).
A net monthly reward of €36.99 (after applying withholding tax in accordance with current tax legislation, currently 19%) will be paid to individuals who take out a 36-month technology leasing agreement for an iPhone 18 Pro 256 GB and who: (1) arrange for their salary or pension of at least €2,000 but less than €3,000 to be paid into their account for the first time; (2) continue to make these payments and have two bills paid out of the account by direct debit each month; (3) make at least one credit card transaction per month or maintain an account balance of at least €3,000 on every day of the month; and (4) have Bizum set up with Banco Santander.
Under no circumstances will the amount of the reward exceed the monthly payment under the customer’s leasing agreement.
All conditions must be met and you must sign up to the promotion. Promotion valid until January 31, 2027. Leasing arrangements and credit card issuance subject to prior approval by the Bank. View terms and conditions of the promotion at www.bancosantander.es. At the end of your leasing agreement, you can return the device, take out a new lease or purchase the device outright for: €440.44 (including VAT) for the iPhone 18 Pro 256 GB. Leasing offers valid in mainland Spain, the Balearic Islands and the Canary Islands; not valid in Ceuta or Melilla.
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