This risk indicator refers to the 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.

Until May 12

Your friends count. Bring them to Santander and earn up to €800¹

Invite up to 10 friends and family members to open an account with your personalised code.

Get code

How does it work?

Get up to €800 by inviting your friends:

Sign up for the campaign

If you have a Santander account, sign up for the campaign to get your personalised code.

Share your code

Send your code to your friends and family so they can use it when they open an account. The code is valid for up to 10 friends who use it.

Thank your friends

For every friend who opens an account online and meets the conditions of the promotion, you will receive €80 (with a maximum of €800).

I want my code

Become a customer

What your friends have to do

To receive your bonus, your friends must open a Santander account online using your promotional code and take up one of our welcome offers.

1. Open an account using your promotional code:

For new customers only.

A non-interest-bearing checking account with €0 fees (nominal interest rate 0.00%, AER 0.00%), with no conditions, and which you can open within minutes wherever you are.

Open an account

2. Choose your welcome offer to earn benefits as a by bringing us your salary:

Up to €840 over two years², accruing month by month, based on your use of Bizum and direct debits set up for bill payments.

An iPhone 17e from €0/month³ on a 36-months lease. Learn more (same button currently used in the iPhone block)

Make sure your friends use your code and follow the steps

Please note that, to receive the referral bonus, your friends must meet the terms and conditions of the offer they sign up for and must use the referral code to become a customer.

FAQs

Answer your questions about the Bring a Friend to Santander promotion

Any personal account at Banco Santander that can be opened online, such as: Santander Account, Online Account, Group Account and Business Account.

Of these, the Online Account⁴, is an exclusive account for new customers without any conditions, so it makes participation very easy:

€0 account maintenance fee.
€0 issuance and maintenance fee for the Santander Debit Card.
€0 fee for transfers online or at ATMs (except for urgent transfers) and Bizum.
€0 fee for debit cash withdrawals at the 30,000 Santander ATMs around the world.

You can send your referral code to as many friends and family members as you want. The referral code will expire after 10 uses, i.e. once 10 people have used your code to take advantage of the offer.

Once the Bank has verified that you meet the requirements to take advantage of the offer and the stipulated timeframe has passed for verifying that your friends also meet the requirements, you will receive the €80 referral bonus for each friend who becomes a customer using your referral code. You will receive the bonus in the account you indicated when you signed up for the offer.

1. Bonus of €80 (eighty euros) gross, net amount €64.80 (sixty-four euros and eighty cents) for each new customer, up to a maximum of 10 customers. Maximum total amount: €800 (eight hundred euros) gross, €648 (six hundred and forty-eight euros) net. CUSTOMER ACQUISITION CAMPAIGN – REFER A FRIEND PROGRAMME (SPONSOR). Promotion valid until May 12, 2026.

2. 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.

3. Leasing offered by Banco Santander. Monthly lease for the iPhone 17e 256 GB (without insurance): €20.99/month (including VAT). You will receive a net monthly cashback of € 20.99 (after applying the applicable tax withholding under current regulations; currently 19 %) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for an amount exceeding €1,200, or set up direct debits for your self-employment contributions or mutual fund payments; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. You will receive a net monthly cashback of €27.99 (after applying the applicable tax withholding under current regulations; currently 19%) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for at least €3,000; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. Under no circumstances will the cashback amount exceed the amount of the lease payment. All conditions must be met and you must sign up to the promotion. Promotion valid until 30/10/2026. Leasing and credit card issuance subject to prior approval by the Bank. View the terms and conditions of the promotion at www.bancosantander.es. At the end of the lease, you may return the device, take out a new lease, or purchase it outright for: €141.60 (including VAT) for the iPhone 17e 256 GB. Leasing offers valid in mainland Spain, the Balearic Islands and the Canary Islands; not valid in Ceuta or Melilla.

4. Non-interest bearing account. NIR 0 %, AER 0%. Exclusive for new customers.