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SpanishThis 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.
Banking offers for civil servants
As a civil servant or Government employee (Central, Regional or Local) you can benefit from products with exclusive financial conditions and services adapted to your day-to-day.
Group current account for civil servant
A non-remunerated current account with NIR 0%, APR 0%1, with no administration and maintenance fees, which you will have access to as a member of this group for civil servants.
This account is commission-free for domestic and EU transfers in euros, provided they are carried out via online or ATMs. Does not apply to urgent transfers.
Cards for civil servants
These are the credit and debit cards available for civil servants with the group current account.
Santander Debit Card
- EUR 0 debit card issuance and maintenance fee.
- Debit cash withdrawals at Santander ATMs all over the world at no cost.
- Accident insurance2 up to €120,000.
Santander Credit Card3
- EUR 0 credit card issuance and maintenance commission.
- Deferred (revolving) NIR payment: 18%, APR: 19,56%4.
- Accident insurance2 up to €120,000.
- On credit, against the card's credit limit.
- On debit, charged to the account immediately. These types of cash withdrawals are free of charge at Santander ATMs in Spain.
Financing5
Mortgages for civil servants
An exclusive mortgage offer, both to purchase your home or second home in special conditions for belonging to the civil servants group.
Consumer loans
If you belong to the civil servants' group, you can get up to €100,000 to cover unforeseen events or personal needs, from travel to home improvements, and pay it back over a period up to 7 years.
Salary Advance 6x6
If you have your salary direct deposited, you can have an advance of up to six monthly payments up to a maximum of €12,000 and pay it back within 36 months, check the details of the conditions at your branch.
How to access the range of products for civil servants?
In order to arrange these exclusive products for civil servants and government workers, you must provide proof of your status with a document that identifies you as a member of this group. For this purpose, valid documents include both your appointment as a civil servant in the corresponding Official State Gazette and your last payslip from the government administration in which you are employed.
You will also have to accept and sign the "Mandatory Group Membership Document". Information requested will include a mobile phone number and email address.
If you would like to learn more, please visit any of our branches.
1. APR 0% on the assumption that a daily balance of €7,000 is held constantly for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of €0.
2. Insurance through Santander Intermediación Correduría de Seguros, S.A. According to the conditions of the policy listed as J-989 in the Special Insurance Brokerage Company Register. Third-party liability and financial capacity covered in accordance with applicable law.
3. Card eligibility subject to the bank's prior approval. This card allows payment to be deferred. Bear in mind that if you choose too low a repayment, your debt may remain outstanding longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.
4. Representative example (as per the parameters set forth in the standard on regulation and control of advertising of banking services and products): NIR 18%. APR: 19.56%, calculated based on a drawdown of €1,500 and an issuance and maintenance fee of €0. Total amount repayable €2,114.88, to be repaid in 48 monthly instalments of €44.06. However, please note that, pursuant to the minimum limits for the repayment instalments provided for in the agreement (3% of the drawn balance with a minimum of €25) and considering the same drawdown, the total amount repayable will be €1,835.19 to be repaid in 27 monthly instalments of €67.97. Calculations made in accordance with the fixed-instalment repayment system.
5. Financing transactions subject to the Bank’s prior approval.