This risk indicator refers to Professional Groups Account

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.

Professional Groups

Pilots and air traffic controllers

Discover the range of services and the special terms and conditions for pilots and air traffic controllers.

Fee-free account.
Cards for your purchases and everyday transactions.
Access to exclusive terms and conditions for our financing facilities.

Open an account

Services

For your day-to-day needs

How to sign up

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Services

For your day-to-day needs

How to sign up

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Advantages for pilots and air traffic controllers

If you are a pilot or an air traffic controller, you can benefit from products with exclusive financial conditions and services tailored to your everyday needs.

Because your time matters, we take care of it

Enjoy five (5) hours per year of special services at no cost¹

For your trips

AENA VIP lounges and management of access to VIP lounges in any country.
Fast track, priority access when boarding and checking in.
Pick-up at the airport, train, boat or home.
eSIM card with unlimited data in any country.

For your convenience

Handyman.
Help at home.
Home chef.
Pet care.

For your well-being

Home hairdressing and beauty salon.
24/7 pharmacy service delivered.
Physiotherapy service.
Personal trainer.

Your own 24/7 personal assistant

Unlimited support in searching for information on nurseries, schools, homes, holidays, making reservations and appointments, offering advice on utilities and household services, and more besides.

Open an account

Everything you need for your day-to-day life

Group Account

A non-remunerated current account with NIR 0%, APR 0%², with no administration and maintenance fees, which you will have access to as a member of this group

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.

Before signing up for the account, it is important that you carefully consult and review these documents:

Pre-contractual information: which describes how the account works and its characteristics. You'll find the most important things highlighted in bold.
Fees information document: includes the fees to be paid for the most common services associated with the account.

Cards

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 insurance³ up to €120,000.

Santander Credit Card⁴

EUR 0 credit card issuance and maintenance commission.
Accident insurance³ up to €120,000.
ATM cash withdrawals 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.

Financing⁵

Mortgages⁶

An exclusive mortgage offer, both to purchase your home or second home in special conditions.

Consumer Loan

A loan with special terms and conditions to cover unforeseen events or personal needs, from travel to home improvements, with no need to justify what you will use it for.

Up to €100,000.
Repayment period of up to 7 years.
Fixed annual nominal interest rate: 5.5% (APR 6.07%)⁷.
Arrangement fee: 1.0%

Fixed-rate training loan for Pilots and Air Traffic Controllers

You can get up to €80,000 to finance specialised training programmes, trips or even home improvements, with a repayment period of up to 6 years.

Fixed annual nominal interest rate, from 3.50% (APR 3.65%).⁸
Arrangement Fee: €0.
Grace period: up to 24 months.

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 products for pilots and air traffic controllers

To arrange these exclusive products for the group, you will need to provide proof of your status with a document that identifies you as a member of the group.

You will also have to accept and sign the "Mandatory Group Membership Document". The information requested will include a mobile phone number and an email address. For more information, please visit one of our branches.

1. Services provided by Vivofácil, S.A., with registered office at C/ Miguel Yuste 23, 28037 Madrid and tax number A-82277963. All services except the personal assistant share a combined allowance of two (2) free hours per year. Once this two-hour allowance has been used up, the services will incur a fee. Please contact Vivofácil for further information on the prices payable once the two-hour allowance has been used up. Personal assistant services are unlimited and free of charge. Subject to taxation in accordance with prevailing tax regulations.

2. NIR 0% APR 0%, calculated according to the constant repayment method on the assumption that a daily balance of €7,000 is maintained for 1 year, with an annual nominal interest rate of 0% and with an account maintenance fee of €0.

3. 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.

4. Card eligibility subject to the bank's prior approval. This card allows payments to be deferred. Bear in mind that if you choose a very low repayment instalment, your debt may remain outstanding for longer than expected since your monthly instalment is first used to pay interest and fees and then to repay the principal. Remember to use your credit card responsibly. Abuse of financial services entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.

5. Financing transactions subject to the bank’s prior approval.

6. Financing transactions subject to prior approval by the Bank. Mortgage loan secured on the property. For a home free of charges and encumbrances. Lender: Banco Santander, S.A.

7. Financing transaction subject to prior approval by the Bank. APR calculated using the French amortisation system, for a loan signed on the last day of the month. The APR will vary, depending on the chosen repayment term and also because a percentage-based arrangement fee will be charged. If the transaction is signed on a day other than the last day of the month, an initial interest instalment will be charged for the days elapsed between the date of signing and the last day of the month.

• From: Loan for an amount of €100,000 over a term of seven (7) years, nominal interest rate 5.50%; APR 6.00%. Financed arrangement fee: 1.00% (€1,000). Total amount owed: €118,809.36 (€100,000 in principal + €17,809.36 in interest + €1,000 in fees). Monthly instalment: €1,650.13. Total cost of the loan: € 18,809.36.

• Up to: Loan for an amount of € 6,000 over a term of seven (4) years, nominal interest rate 5.50%; APR 6.17%. Financed arrangement fee: 1.00% (€ 60). Total amount owed: € 6,764.64 (€ 6,000 in principal + € 704.64 in interest + € 60 in fees). Monthly instalment: € 140.93. Total cost of the loan: € 764.64. In compliance with prevailing European legislation, standard European information (SEI) on loans is available at your branch. Please consult your branch for the remaining terms and conditions.

8. Financing transaction subject to prior approval by the Bank.

• From: APR 3.65%, calculated in accordance with the French amortisation system with constant instalments, for a loan amount of €50,000 over a term of 36 months, with a 24-month interest-only period, at an annual nominal interest rate of 3.60%. Total cost of the loan: €4,580.32 (including interest amounting to €4,580.32). Total amount repayable (sum of the loan amount and its total associated costs): €54,580.328. The APR will vary, depending on the chosen repayment term.

• Up to: APR 3.65%, calculated in accordance with the French amortisation system with constant instalments, for a loan amount of €80,000 over a term of 72 months, with a 24-month interest-only period, at an annual nominal interest rate of 3.60%. Total cost of the loan: €11,777.92 (including interest amounting to €11,777.92). Total amount repayable (sum of the loan amount and its total associated costs): €91,777.92. The APR will vary, depending on the chosen repayment term. In compliance with prevailing European legislation, standard European information (SEI) on loans is available at your branch. Please consult your branch for the remaining terms and conditions.