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 profession and your day-to-day needs.

This range of banking products and services is exclusively for civil servants and government employees. Discover what they are and what conditions they offer:


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 Internet, mobile banking or ATMs. Does not apply to urgent and instant transfers.


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.
  • Cash withdrawals at ATMs can be:

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.


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 of 8 years.

Salary Advance 6x66

If you have your salary from the government paid directly into your account, you can request an advance of up to six monthly payments, up to a maximum of €12,000. In addition, you have 36 months to pay it back and no monthly repayments for the first six months.

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.

Shall we discuss it?

If you would like more information, visit any of our branch offices.


Civil servants

Icon / check Created with Sketch. Account exempt from fees.

Icon / check Created with Sketch. Credit cards for your purchases and day-to-day operations.

Icon / check Created with Sketch. Access to exclusive conditions.


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