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SpanishThis 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.
Only until 31 October!
Having lots of friends is great... Up to €800 great
Invite up to 10 friends and family members to open an account with your personalised code.
How does it work?
Get up to €800 by inviting your friends:
1
Sign up for the campaign
If you have a Santander account, sign up for the campaign to get your personalised code.
2
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.
3
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).
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:
iPhone 17 for 0 €/month
If your friend wants to enjoy an iPhone 17 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.
Up to €400
If instead of the iPhone 17, 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.
Asegúrate de que tus amigos usen tu código y cumplan los pasos
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
Resuelve tus dudas sobre la promoción Trae un amigo al Santander
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 31 October 2025.
2. Renting offered by Banco Santander. Monthly lease of a 256 GB iPhone 17 with no insurance €24.99/month. Net monthly cashback of €24.99 (after deduction of withholding at the current rate of 19%) for the signature of a 36-month tech renting contract by individuals who (1) set up a direct deposit for their salary or pension of more than €1,200 or alternatively a direct debit for their self-employed or mutual insurance contributions, (2) maintain this together with the direct debit of two monthly bills, (3) have monthly credit card activity or an account balance equal to or greater than €1,000 every day of the month, and (4) have an active Bizum service at Banco Santander. All T&Cs must be met to benefit from this promotion. Promotion valid until 14/01/2026. Renting transactions and the assignment of a credit card are subject to prior approval by the bank. Check the promotion T&Cs here. At the end of your renting contract you can return the phone, take out a new contract or keep the phone by purchasing it for the value of: €288.00 (VAT included) for iPhone 17. Renting offers valid in the Mainland, 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 14 January 2026. 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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