Individuals - Banco SantanderFind everything you need to know about our products for individuals, such as accounts, cards, loans, mortgages, pension plans and investment funds.
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New Customer
New Customer

Don't give it another thought

Come to Santander and enjoy it for 0€ per month meeting conditions1. Renting to 36 months.

Discover more

Tell us, what do you need?

Jump into the music with Santander SMusic

By becoming a customer, you will be eligible for discounts on festivals and concerts.

And you'll enjoy exclusive ticket pre-sales and artist meet & greets.

Jump!

Mortgages

Santander Mortgages

We accompany you throughout the process, offering you personalized attention.

Until 3 December

Innovation & AI Experience Course in Madrid

Apply for one of the 90 places of this in-person course and learn how to apply innovative approaches and AI tools.

Cards

Santander Credit Card2

1% cashback for 1 year (Up to €10 net/month)3. Get it before 30/06/2025. Check conditions.

Santander Renting

Alarms: Hire Supersecurity

With everything you expect from an alarm4. And what is not, too.

Need any help?

Get in touch

Branches and ATMs

Over 1,827 branches and more than 4,700 ATMs across Spain.

Find out our locations

Help Centre

If you have any questions, queries or issues, you can contact us through a number of different channels so that we can help you.

Go to the Help centre

Book an appointment at your branch

You won't have to wait in a queue – choose the date and time to visit your branch and speak with a relationship manager.

Make an appointment

Always Connected

If you also think that people come first and then everything else, and that being digital is not an end but rather a means, then we are connected. At any time. However you like. Wherever you want.

Online Banking: no restrictions on time or place.

You decide how, when and where to interact with your bank. We make it easy for you: you can access accounts and cards from your mobile and carry out transactions.

Get your codes

Manage your money from the app

Bizum

Send money easily using Bizum.

Financial assistant

Track your expenses and income for the month with graphs.

Control your cards

Block, turn on or turn off your cards and check their PIN and CVV numbers.

Always receive up-to-date information

Set your alerts to always be kept up-to-date.

Apply for products online, without leaving your home

Technology is there to help you. That's why you can contact us at any time. Open accounts, apply for cards, take out insurance policies, set up pension plans and apply for many more products online ...

Access the arrangement section

From wherever you want

Digital Banking

Access your accounts and cards whenever you want, either via online banking on your computer or the Santander App on your mobile.

Mobile payments

Paying with your phone is very easy using our app and the main forms of mobile payment: Apple Pay, Samsung Pay, Bizum and more.

Offices and ATMs

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

1. Renting offered by Banco Santander. Monthly cost 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%) will be received for signing a 36-month tech leasing contract by inviduals who (1) have their salary or pension of more than €1,200 paid into their account or set up direct debits 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 take part in 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. You can read 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.

2. Granting of the card subject to prior approval by the Bank. This card allows for deferred payment (revolving). Remember to use your credit card responsibly. The abusive use of financing implies a risk of over-indebtedness with long-term consequences that can affect your financial planning.

3. Once the tax withholding has been applied in accordance with the Regulations in Force. The maximum amount of reimbursement to be received per month will be €10 net/month. Promotion valid until 31/01/2026 for customers who take out the Santander Credit Card for the first time. Check the conditions of the promotion here.

4. Operation subject to prior approval by the Bank. Renting offered by Banco Santander S.A. for the first three years, from the fourth year the contract with Banco Santander S.A. ends and is extended with Movistar Prosegur Alarmas S.L. Check conditions.

And much more

Santander Open Academy

More than 1,000 courses, content and scholarships to help you get the training you need to access better opportunities.

Santander Experiences

Discover all the experiences we have prepared for you

Work Café

Find in one place your bank, a cowork and specialty coffee.

Apps Santander

Learn about the apps you can use to carry the bank in your pocket.

Smart Red Offices

A new model of offices and of relating to you because we value your time.

Santander Sustainability

You can create a more sustainable future in your day-to-day life. Discover options to get started.