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.

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.

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What type of bank account are you looking for?

Choose the 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.

Account for minors

An account for children and young people aged 0 to 18, 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

Online Account	Online Account for Non-Residents	Santander Account	Account for minors	Basic Account
Open	Open	Open		Available at branches
Account for people over 18 years of age
✓	✓	✓	Account for minors	Any individual who resides legally in the EU, is an asylum seeker or, even if they do not have a residence permit, cannot be expelled.
Account for new customers
✓	✓	Customers and non-customers	The representative must be a customer	You will not be able to hold another account with any other bank in Spain.
€0 maintenance fee (0% NIR, 0% AER).
✓	✓	From ages 18 to 28: €0/month, 0% AER¹. Otherwise: 1. Income + Bills or card usage: €0/month, 0% AER¹. 2. Income or Arranged Product: €10 /month, 1,98% AER². 3. If conditions are not met: -3,93% AER³.	✓	3 €/month 0% NIR -0.90% AER.⁴
Debit card with no issuance or maintenance fees
✓	✓	✓	Prepaid	✓
Credit card⁵ with no issuance or maintenance fees
✓	✓	✓	-	See terms and conditions at your branch.
Exclusive offers from Santander Premia
-	-	With the credit card.	-	See terms and conditions at your branch.
Arrangement of special services
		Santander Payments Programme, Santander Travel Programme, Santander Iberia Club Plan.
Find out more	Find out more	Find out more	Find out more	Find out more
Open	Open	Open	Available at branches	Available at branches

Calculate your salary and taxes

According to work and family situation

Personal Income Tax Calculator

Calculate the income tax withholdings on your salary in a few minutes.

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Based on your gross annual

Net Salary Calculator

Know what your monthly salary would be from the gross annual salary.

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Already have an account?

Learn how you can check your balance and movements.

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Online and Santander accounts make day-to-day life easier in the Santander app

Financial Assistant

View all your accounts in the same app, analyse your expenses by category and get tips on how to improve your finances.

International experience

Withdraw cash at over 30,000 Santander ATMs worldwide and make purchases or transfers in Europe with some fees waived.

Control of your bills and subscriptions

Do you subscribe to services and forget to unsubscribe when you no longer use them? Never again.

Discounts and cashbacks

If you have a Santander Credit Card,⁵ get discounts and cashbacks for purchases you make with it through Santander Premia.⁶

Discover your carbon footprint

Discover your environmental impact, get eco-tips and collaborate with projects to offset your carbon footprint.

Siempre contigo

Contact your Santander Personal relationship manager if you have any questions. And 24/7, you can check the answers to frequently asked questions and locate the nearest cashpoint.

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.