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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.

This risk indicator refers to the Online Account

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Get up to €800 for inviting your friends to become a Santander customer

Good things are meant to be shared. So, invite your friends and family to open an account before 31 July and get up to €800¹.

I'M IN

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Share your referral code with your friends to benefit from the offer

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

How can you get up to €800 by inviting your friends?

To receive your personalised referral code, the first thing you need to do is sign up for the campaign.
Once you receive the referral code, you can share it with your friends and family.

For every friend who opens an account online and meets the terms and conditions of the offer, you will receive €80.

The referral code is valid for up to 10 friends who use it to take advantage of the offer. You could get up to €800!

I'M IN

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What your friends have to do

To receive the referral bonus, your friends must open a Santander account online using your referral code for the offer and they must sign up for one of the following offers:

technological-renting

iPhone 16e for 0 €/month

If your friend wants to enjoy an iPhone 16 for €0/month² with a 36-month lease, they must open an account with your referral code, join the offer and meet the terms and conditions of the offer.

HOW TO GET IT

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Up to €400

If instead of the iPhone 16e, they prefer cash in their account, they can get up to €400³ by opening an account with your referral code, having their salary paid directly to the account, setting up the direct debits for two monthly bills and joining the offer.

FIND OUT MORE

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.

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Frequently asked questions about the "Invite a Friend to Santander" offer

What account does my friend have to open to participate?

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.

How many friends can I send my referral code to?

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.

When will I get my €80 referral bonus?

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.

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1. Gross bonus of €80 (eighty euros), 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 31 July 2025.

2. Renting offered by Banco Santander. Monthly renting of the iPhone 16e 128 GB without insurance €20.70/month and of the iPhone 16 PRO 128 GB without insurance €30.99/month. A net monthly referral bonus of €20.70 (after applying withholdings under prevailing tax regulations, currently 19%) will be received for signing up for a 36-month tech renting contract by individuals who, for the first time, have their salary or pension of more than €1,200 paid directly into their account, or set up direct debits for their self-employed or mutual insurance contributions and maintain this together with the direct debit of two monthly bills, one monthly credit card transaction and an account balance of at least €1,000 every day of the month and an active Bizum service at Banco Santander. A net monthly cashback bonus of €30.99 (after applying withholdings under prevailing tax regulations, currently 19%) will be received for signing up for a 36-month tech renting contract by individuals who, for the first time, have their salary or pension of €3,000 or more paid directly into their account, maintain this together with the direct debit of two monthly bills, one monthly credit card transaction and an account balance of at least €1,000 every day of the month and an active Bizum service at Banco Santander. All terms and conditions of the offer must be met and the new customer must join the offer by completing the corresponding registration form. Offer valid from 1.04.2025 to 30.06.2025. The renting facility and credit card are subject to prior approval by the bank. You can read the legal terms and conditions of the offer here. At the end of your renting contract, you can keep your 128 GB iPhone 16e by purchasing it for: €141.57 (VAT included); or the iPhone 16 PRO 128 GB, purchasing it for: €243.21 (VAT included). Alternatively, you can return it or lease a new device to ensure you are always using the latest equipment. Renting offers valid for the Peninsula, Balearic Islands and Canary Islands; not valid in Ceuta and Melilla.

3. Referral bonus of €400 gross for new salary or pension payments deposited directly in your account of at least €2,500/month and the payment of two direct debits per month from the same account. For salaries between €600/month and €2,500/month, the gross referral bonus is €300. Minimum term of 24 months. You need to meet the terms and conditions of the offer and sign up for the campaign using the form for customers. The referral bonus of the offer is income from capital subject to the relevant tax at the prevailing rate (currently 19%). The bank will withhold this amount and pay you the remainder (€324 and €243, respectively). Offer valid until 30 September 2025. See terms and conditions of the offer here.

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

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