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.

With no administration or maintenance fees.
Cards for your purchases and everyday transactions.
Access to exclusive terms and conditions for our financing facilities.

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Services

For your day-to-day needs

How to sign up

Services

For your day-to-day needs

How to sign up

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.

Santander Credit Card³

EUR 0 credit card issuance and maintenance commission.
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.

Financing⁴

Mortgages⁵

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.

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.

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.

Insurance

Enjoy better terms on your insurance⁶ and protect what matters most to you, including your health and that of your loved ones, as well as your car or your home.

Savings and investment

Portfolios⁷

A way of investing in investment funds through a managed portfolio, where Santander Asset Management experts actively and flexibly invest on your behalf through a diversified selection of Santander investment funds.

Pension plans⁸

Plan for your future based on your retirement goals.

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. Card eligibility subject to the bank's prior approval. This card allows for deferred payment (revolving credit). 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.

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

5. 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.

6. Insurance brokered by Santander Mediación Operador de Banca-Seguros Vinculado, S.A. (“Santander Mediación”) through the Banco Santander, S.A. distribution network. Santander Mediación is filed with the Directorate-General for Insurance and Pension Funds under number OV-0042 and has taken out civil liability and financial protection insurance in accordance with applicable legislation. For a list of the insurance companies with which Santander Mediación has agency agreements in effect for the distribution of insurance products, please visit www.santandermediacionobsv.com.

7. It is important to consider the risks inherent in the financial instruments in which the portfolio management service invests. Financial instruments carry certain risks (including market, credit, liquidity, currency, interest rate and sustainability risks) and you may lose all or part of your investment. These risks are detailed in the product’s legal documentation.

Before making any investment decision, you should consult the information contained in the legal documentation for the relevant financial instrument (in the case of collective investment schemes, the Prospectus and the Key Information Document (KID)), available from the relevant supervisory authority, the market on which the instrument is admitted to trading (if any), and on the issuer’s or manager’s website. Any decision to invest in a financial instrument should be made while considering all the features and objectives described in its legal documentation. Past performance is not a reliable indicator of future results, and where a financial instrument is denominated in a currency other than the euro, the returns may rise or fall as a result of exchange rate fluctuations.

The portfolio management service will be provided on the basis of a client suitability assessment. A valid MiFID test must be performed before the service can be provided. The risk profile of the managed portfolio must be aligned with the outcome of the client’s suitability assessment.

This is a marketing communication intended for commercial purposes. It is not contractual information or information required under any legislative provision, nor should it be treated as any kind of investment recommendation or advice, and it does not constitute sufficient information in itself on which to make an investment decision.

8. Management company: Santander Pensiones, S.A. EGFP; Depositary: Caceis Bank Spain S.A.; Promoter: Banco Santander, S.A. The Key Information Document for Pension Plan Members (DDFP) is available at www.santanderassetmanagement.es. Pension plans are subject to market price fluctuations and other variables, and therefore, do not guarantee any return.