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EnglishThis 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.
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:
- Open your Cuenta Negocios account.
- Sign up for the promotion.
- 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 18 Pro 256 GB for €0/month2
To get started, follow these steps and meet the conditions:
- Open your Business Account.
- Sign up to the promotion here.
- Take out a 36-month rental agreement for your iPhone 18 Pro. You'll have two months to meet the remaining conditions.
- Direct deposit your company's Social Security and the payment of the payroll of at least one of your employees from Online Banking.
- Use your credit card at least once a month or maintain a daily balance of at least €3,000.
- The rental will cost €36.99/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 €36.99 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.
And if you are still looking for more... discover all of our products
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. Renting offered by Banco Santander. Monthly rental payment for the iPhone 18 Pro 256 GB without Insurance: €36.99/month (VAT included).
A net monthly bonus of €36.99 (after applying withholding tax in accordance with current tax regulations, currently 19%) will be paid to legal entities with annual turnover, or whose group of companies has annual turnover, of less than €2 million that take out a 36-month technology rental agreement and that (1) arrange for the company's Social Security contributions, with no minimum amount, to be paid by direct debit for the first time; (2) pay the salary of at least one employee by batch payment or bank transfer with the payment reference “salary” through Online Banking; (3) continue to meet these requirements and have two monthly direct debits paid from the same account; and (4) make at least one credit card transaction per month or maintain an account balance of €3,000 or more every day of the month.
Customers must meet all the conditions and sign up for the promotion. Promotion valid until 31 January 2027. Rental agreements and credit card applications are subject to prior approval by the Bank. View the terms and conditions of the promotion at www.bancosantander.es. At the end of your rental agreement, you can return the device, take out a new rental agreement or keep it by purchasing the iPhone 18 Pro 256 GB for €440.44 (VAT included). The rental offer is valid in mainland Spain, the Balearic Islands and the Canary Islands. It is 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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