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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.
Currents Accounts
Find a bank account for you
Discover the bank account that suits you An account can do so much more than simply hold your money: you can get your salary paid directly to your account and pay your bills by direct debit, make transfers from anywhere or enjoy exclusive benefits and services, with the reliability of Banco Santander.
Choose the bank account that best suits your needs
Online Account
Open your online account without fees or conditions Non-interest bearing account 0% NIR, 0% AER.
Santander Account
You save on fees if you meet the conditions. Access to exclusive services and more than 1,900 branches.
Online Account for Non-Residents
You only need your passport to open your zero-fee account in Spain.
Mini Account
An account for children and young people aged 0 to 17, because it's never too soon to start saving.
Accounts for young people
Online and Santander1 accounts have no fees for people over 18 years of age.
Basic Payment Account
An account for your day-to-day management that you will access without having to hire other services.
Take a look and find the current account for you
Tools at your disposal
According to work and family situation
Personal Income Tax Calculator
Calculate the income tax withholdings on your salary in a few minutes.
Based on your gross annual
Net Salary Calculator
Know what your monthly salary would be from the gross annual salary.
Already have an account?
Learn how you can check your balance and movements.
Access your account services via the app
Santander and online accounts offer plenty of services to make life easier. You can access them all from the Santander app.
Financial assistant
All your accounts and movements in one place, without third-party apps.
International experience
30,000 Santander ATMs worldwide.
Purchases and transfers are exempt from fees in some European countries.
Santander Premia6
Receive discounts and cashback on the purchases you make with your Santander Credit Card5.
Receipts and subscriptions
Do you sign up for services and forget to cancel them when you no longer use them? Never again.
Carbon footprint
Discover your carbon footprint and receive eco-friendly tips on how to reduce it.
Offset your carbon footprint with projects that benefit the environment.
Download the Santander App
In addition to these services, wherever you are, you'll have access to your Santander Personal manager, tutorial videos and an assistant for FAQs.
1. 0% NIR, 0% AER for customers between 18 and 28 years of age or meeting any of the conditions to obtain a full waiver, example under the option of transactionality (salary and bills/cards). On the assumption that a minimum daily balance of €6000 is held continuously for one year, subject to an annual nominal interest rate of 0% and a maintenance fee of €0.
2. 0% NIR, -1.98% AER when you meet any of the conditions, example for the option of holding a balance equal to or greater than €5000 and lower than €25,000 in investment funds, with no added costs. Based on the same assumption in terms of balance, interest rate, card type and a maintenance fee of €120/year (€10/month) for 1 year.
3. 0% NIR, -3.93% AER if none of the conditions are met: example based on the same assumptions of balance, interest rate, card type and a maintenance fee of €240/year (€20/month) for 1 year. The account will be settled on a monthly basis.
4. 0% NIR, 0% AER, on the assumption that a minimum daily balance of €4000 is held continuously for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of €36/year (€3/month). The account will be settled on a monthly basis.
5. Transaction subject to prior approval from the Bank.
6. Read the terms and conditions of Santander Premia here. You must be a Santander Account or Group Account to access Santander Premia.
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