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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 current accounts

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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. You can also arrange the Flat Rate POS with zero fees up to maximum twelve months.

ARRANGE AN APPOINTMENT

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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.

1. Cashback in your account to spend on whatever you want:

€500¹

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.

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.

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2. An iPhone 16e 128GB for €0/month²:

iPhone 16 Hello? Come to Santander and enjoy it for: 0 euros/month. Renting for 36 months. Fulfilling conditions.

To enjoy an iPhone 16e you will have to:

Open your Cuenta Negocios account.
Sign up for the promotion here.
Once you have signed up, you can apply to rent your iPhone 16e, which must be for 36 months. You will 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 €1,000.

How do I get my iPhone 16e for €0/month?

The rental will cost €20.70/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 €20.70 net cashback in your account.

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

savings

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.

card

Transfers and debit cards

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

Please visit your nearest branch to open a Cuenta Negocios account. To do so, you can:

ARRANGE AN APPOINTMENT

You can also find your nearest branch.

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Santander Business App

All your business operations at one click

Control your accounts and cards

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

Pay taxes and bills and make any transfers you need.

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.

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.

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

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Accounts
Collection management
Management of Payments
Funding
Insurance
Renting
International Business

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We would love to know your opinion to improve

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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 25/02/2026, extendable. See terms and conditions of the promotion here.

2. Renting offered by Banco Santander. Monthly rent for iPhone 16e 128 GB Uninsured €20.70/month and iPhone 16 PRO 128 GB Uninsured €30.99/month. A bonus of €20.70 net per month will be received (after applying the withholding according to current tax regulations, currently 19%) for the contracting of a 36-month technological lease for individuals who direct deposit their salary or pension for the first time over €1,200 or self-employed or mutual insurance quota and maintain it together with the direct debit of two monthly bills, a monthly credit card movement or account balance equal to or greater than €1,000 every day of the month and active Bizum at Banco Santander. A bonus of €30.99 net per month will be received (after applying the withholding according to current tax regulations, currently 19%) for taking out a 36-month technological lease for individuals who direct deposit their salary or pension equal to or greater than €3,000 for the first time and maintain it together with the direct debit of two monthly bills, a monthly credit card movement or account balance equal to or greater than €1,000 every day of the month and active Bizum at Banco Santander. It is necessary to meet all the conditions of the promotion and join the campaign using the form available to customers. Promotion valid from 01/04/2025 to 30/09/2025. Renting and credit card operation subject to prior approval by the bank. Check the rules of the promotion here. At the end of your lease contract you can keep the iPhone 16e 128 GB buying it for a value of: € 141.57 (VAT included), or the iPhone 16 PRO 128 GB buying it for a value of: € 243.21 (VAT included), return it or hire a new one to always be up to date. Renting offers valid in the Peninsula, Balearic Islands and Canary Islands, not valid in Ceuta and 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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