This risk indicator refers to current accounts.

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.

Business

Become a customer and enjoy the benefits

Receive a €500 cashback bonus when you open the Cuenta Negocios account and set up direct debits for your monthly social security contributions and pay the salary of at least one your employees from the Online Banking platform.

Choose to make your business grow

Take advantage of one of these promotions by setting up direct debit for your social security contributions and paying the salary of at least one of your employees via the Online Banking platform.

Cashback in your account to spend on whatever you want

These are the steps you must follow to get it:

  1. Open your Cuenta Negocios account.
  2. Sign up for the promotion.
  3. Set up direct debit for your company's social security contributions and pay the salary of at least one of your employees via the Online Banking platform.

500€1

for setting up direct debits for your monthly social security contributions and paying the salary of at least one of your employees via the Online Banking platform.

Or, if you prefer…

An iPhone 17e 256 GB for €0/month2

To get started, follow these steps and meet the conditions:

  1. Open your Business Account..
  2. Sign up to the promotion here..
  3. Take out a 36-month lease for your iPhone 17e.
  4. Direct deposit your company's Social Security and the payment of the payroll of at least one of your employees from Online Banking.
  5. Use your credit card at least once a month or maintain a daily balance of at least €1,000.
  • The rental will cost €20.99/month (VAT included) and will be deducted from your account on a monthly basis.
  • Every month, we will verify your eligibility and you will receive €20.99 net cashback in your account.

Open your Cuenta Negocios account and benefit from no fees and no conditions

No fees and no conditions

Always €0 in maintenance fees with no need to arrange other products to maintain your account with zero fees. 

Non-interest bearing account (0% NIR, 0% AER)3 for legal persons.

In addition, there are no trading fees for domestic cheques in euros. 

Transfers without commission

Transfers in euros made from the Online Banking platform, app and ATMs have zero fees, except in the case of urgent or immediate transfers.

There are no issuance or maintenance fees for the debit card, and it includes accident insurance4.

How do I open a Cuenta Negocios account?

You can hire the Business account 100% online:

All your business operations at one click with Santander Business App

Control your accounts and cards

Access your accounts, even at other banks, and your Santander cards. Access your accounts, even at other banks, and your Santander cards.

Arrange products wherever you are and whenever you need to

Whether you are looking for a POS to charge for your sales, financing to pay taxes or Renting products to update your equipment.

Act quickly in response to any security incident

If you have lost your card, simply go to the card in the app so you can block it temporarily. You can also completely block cards and request new ones.

Pay for your online shopping quickly and securely

Authorise all your transactions from your mobile phone, confirming any purchase with your fingerprint or Face ID, thanks to Santander Key.

Useful information:

1. Cashback bonus of €500 gross for new direct debits of the company's new social security payments (TC1 and TC2) in addition to paying the salaries of at least one of your employees via our Online Banking platform. Minimum term of 24 months. You need to meet the terms and conditions of the promotion and sign up for the campaign using the form provided for customers. The promotional cashback is an income from capital, subject to the relevant tax rate (currently 19%), which the bank will withhold and then pay the participant the remainder (€405). Bonus of €50 gross additional in the case of being a member of Covirán at the time of joining the campaign (€40.50 net after withholdings). Promotion valid until 10/11/2026, extendable. See terms and conditions of the promotion See terms and conditions of the promotion here.

2. 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.

3. This is a non-interest bearing account (0% NIR, 0% AER) for companies with an annual turnover (of the entity itself or the group of companies to which it belongs) of less than 2 million euros.

4. Accident Insurance: Santander Seguros y Reaseguros, Compañía Aseguradora, S.A. This contract has been concluded with the mediation of Santander Intermediación Correduría de Seguros, S.A. Registered in the Special Register of Insurance Brokerage Companies, under code J-989. Civil Liability and Financial Capacity covered by current legislation.

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From wherever you want

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You can make remittances and many more operations online. Discover apps and online banking for companies.

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A digital manager will help you resolve your operations with quick and effective solutions for your finances.

Branches and ATMs

You will have access to an extensive network of ATMs, with more than 30,000 worldwide!

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