This risk indicator refers to the Group Account.
1 / 6
This number is indicative of the risk of the product, with 1/6 indicating the lowest risk and 6/6 the highest risk.
Banco Santander is a member of the Spanish Deposit Guarantee Fund for Credit Institutions. For cash deposits, the maximum guaranteed amount is €100,000.
Professional groups
Special offer for you
By being referenced by one of our affiliated companies you can opt for special conditions.
- A Group Account for €0.
- Advantageous financing options.
- A personal relationship manager at your service.


Your iPhone 17 for €0/month1
To get your hands on an iPhone 17 through a lease agreement, the first step is to become a Santander customer by opening an Account for Professional Groups.
- Arrange for your salary (minimum of €1,200) to be paid directly into your account with us and set up two direct debits.
- Link Bizum to your account in the Santander App.
- Use your credit card at least once a month or maintain a daily balance of at least €1,000 in your account.
Learn about your new benefits
Whether you are already a customer or want to start becoming one, you can have exclusive advantages at your fingertips if you come from a company affiliated with the Third Party Channel Programme. Discover them!
Current account for groups
A non-remunerated current account with NIR 0%, APR 0%2, with no administration and maintenance commission.
This account has no fees for domestic and EU transfers in euros, provided they are processed online through the Online Banking platform or at ATMs. Does not apply to instant transfers.
Debit and credit cards
If your company belongs to the Third Party Channel, you can make your daily purchases and payments with the Santander Cards linked to your Group Account.
Santander Debit Card
- €0 debit card issuance and maintenance fees.
- Free debit cash withdrawals at Santander ATMs worldwide.
Santander Credit Card3
- €0 credit card issuance and maintenance fees.
- Cash withdrawals at ATMs can be:
On credit, against your card credit limit.
On debit, charged to your account immediately. These cash withdrawals are free of charge at Santander ATMs in Spain.
Financing4
Through your company's participation in the Third Party Channel Programme, you'll have access to advantageous financing for your projects, unexpected expenses or other needs with special conditions.
Mortgage5
An exclusive mortgage offer, both to purchase your primary home or second home in special conditions, as agreed between your company and the bank.
Personal loan
A loan with special conditions to cover unforeseen events or personal needs, from travel to home improvements, with no need to justify what you will use it for.
Salary Advance 6x6
If you have your salary paid directly into your account, you can request an advance of up to six monthly payments, up to a maximum of €12,000. You have 36 months to pay it back and no monthly repayments for the first six months. Plus:.
- Arrangement fee 1.00%.
- 0.0% fixed nominal annual interest rate for the first 6 months. If you repay the entire loan within this period: APR 2.04%6. Total repayment fee 0.0%.
- If you don't repay the entire loan within that period, starting from the 7th month: NIR 11.00%, APR7 from 5.42% to 8.74%.
- Early repayment fee 0% in the first 6 months; for the rest of the term, 1.00% if the period from the repayment date to maturity is greater than 1 year and 0.5% if this period is shorter.
You can request the salary advance at branches after the opening of the Account for Collectives.
More advantages
In addition, as a Banco Santander customer and register with the Third Party Channel, you'll have access to a series of special services and benefits for you and your family.
Discounts on Altamira, Intrum and Diglo homes
You'll be able to purchase properties owned by Santander Group, both new and pre-owned, with special discounts.
A relationship manager at your disposal whenever you need them
Do you need support? As a member of the Banco Santander Group, you'll have the support and guidance of a personal relationship manager to assist you with whatever you need.

1. Leasing offered by Banco Santander. Monthly lease payment for the iPhone 17 256 GB (without insurance): €24.99/month; for the iPhone 17 Pro 256 GB (without insurance): €33.99/month. You will receive a net monthly incentive of €24.99 (after applying the applicable tax withholding under current regulations; currently 19%) for entering into a 36-month technology lease agreement, if you are a natural person and: (i) arrange, for the first time, for your salary or pension to be paid directly into your account with Santander for an amount exceeding €1,200, or arrange for your self-employment/social security contributions to be directly debited from your account; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service with Banco Santander. You will receive a net monthly incentive of €33.99 (after applying the applicable tax withholding under current regulations; currently 19%) for entering into a 36-month technology lease agreement, if you are a natural person and: (i) arrange, for the first time, for your salary or pension to be paid directly into your account with Santander for at least €3,000; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service with Banco Santander. You must meet all the conditions and enrol in the campaign. Promotion valid until 9 April 2026. Leasing and credit card transactions are subject to prior approval by the Bank. View the terms and conditions of the promotion here. At the end of your lease agreement, you may either return the device, arrange a new lease, or purchase the device by paying: €396 (VAT included) for the iPhone 17 Pro or €288 (VAT included) for the iPhone 17. Leasing offers valid in mainland Spain, the Balearic Islands and the Canary Islands; not valid in Ceuta or Melilla.
2. 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.
3. 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 your 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 Banco Santander. Mortgage loan secured on the property. For residential properties free of charges and encumbrances. Lender: Banco Santander, S.A.
6. Financing transaction subject to prior approval by the Bank. APR 2.04% calculated according to the French repayment system of fixed instalments for a loan of €6,000 repaid early in month 6. Total amount repayable €6,060, broken down into: €6,000 principal + €60 arrangement fee + €0 interest. A single instalment of €6,000 in month 6. Total cost of the loan: €60.
7. Financing transaction subject to prior approval by the Bank.
-From month 7, annual nominal interest rate 11% (APR 5.42%), calculated according to the French repayment system of fixed instalments for a loan of €1,200 over 12 months. Total amount repayable €1,251.18, broken down into: €1,200 principal + €12 arrangement fee + €39.18 interest. Monthly instalment during the first six months €0. Instalment from month 7 to month 12: €208.53. Total cost of the loan: €51.18. Early repayment fee: 1% if the period between the loan maturity date is greater than one year and 0.5% if this period is shorter than one year.
-From month 7, annual nominal interest rate 11% (APR 8.74%), calculated according to the French repayment system of fixed instalments for a loan of €12,000 over 36 months. Total amount repayable €13.917,90, broken down into: €12,000 principal + €120 arrangement fee + €1,797.90 interest. Monthly instalment during the first six months €0. Instalment from month 7 to month 36: €463.93. Total cost of the loan: €1,917.90. Early repayment fee: 1% if the period between the loan maturity date is greater than one year and 0.5% if this period is shorter than one year.
The product does not allow financing and debt restructuring. The APR may change depending on the term of the transaction and due to the existence of a percentage fee. Pursuant to prevailing EU legislation, you can request the European Standardised Information Sheet on loans from your branch. Please check the remaining terms and conditions with your branch.
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