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.

Accounts

Santander Online Joint Account

No fees, no terms and conditions. Open an account in just a few steps and join all our other customers who are already taking advantage of the benefits we offer.

No terms and conditions: no salary has to be paid into account, no direct debit bills...
€0 maintenance fee.
100% online: when you want, wherever you are.

Open an account

Retrieve request

Santander Debit Card

no issuance or maintenance fee

For services for your daily life

international experience, financial assistant and more

From commission to withdraw cash

in 30,000 Santander ATMs worldwide

Account for two holders

The Santander Online Joint Account is an unpaid current account¹, with no maintenance fee (NIR 0%, APR 0%), or conditions. It will allow you and another holder to carry out transactions without needing each other's signature. An account available exclusively to our new customers that you will be able to enjoy with your partner or with whomever you choose!

Open an account

Debit card with accident insurance

There are no issuance or maintenance fees for the debit card and it includes accident insurance of up to €120,000².

Available for various account holders

All holders must have the same tax residence and be over 18 years of age.

Send money with no commission

Use Bizum or euro transfers via Online Banking, the Santander App or an ATM, except for urgent transfers.

Get up to € 400 for bringing your salary or pension and two monthly receipts*

Open your Online Account.
Sign up for the offer here.
Set up a direct deposit for your salary or pension and a direct debit for two monthly bill payments.

If your salary or pension is:

If you earn more than €600, you will get €300.
If you earn at least €2,500, you will get €400.

The €300 payment is made when the first salary is deposited. If you qualify to get €400, the last €100 will be paid after you receive your second salary payment, if both are of at least €2,500.

Open your Online Joint Account in a few minutes without visiting a branch

Complete your details:
Fill in the details of the holders of the account.
Identify yourself by videocall:
No need to visit a branch, all you need is a camera and your identity card.
Read and accept the account opening conditions:
We'll make signing easy, so you don't have to move.

What important information do I need to know about the Account?

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.

More benefits of your Online Account that you can manage from the Santander App

Financial assistant

Have all the accounts from your different banks in a single app, without the need for third party apps.
View your income and expenses by period or category.
Receive messages with ideas for organising your finances.

International experience

Make purchases with your credit card in a currency other than the euro and you will not have a currency exchange fee.
Withdraw cash with no fee from any of the 30,000 Santander ATMs worldwide, including more than 7,000 in Spain.
Make transfers with no fees to any entity (even outside Santander) in the UK, Poland and Portugal, with the exception of the foreign exchange fee.

Receipts and subscriptions

You'll be able to easily identify your card subscriptions and receipts so you have control of all your recurring payments.
In addition, you will have the possibility to cancel the subscriptions that you no longer need in a more agile way.

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.

Do you already have an account?

Here we tell you how to check your account balance.

*Bonus of €400 gross for new direct debits of payroll or pension for an amount of at least €2,500 / month and the direct debit of two monthly bills in the same account, for payroll for an amount greater than €600/month and less than €2,500/month the bonus will be €300 gross. Permanence of 24 months. It is necessary to comply with the conditions of the promotion and adhere to the campaign through the form available to customers. The promotional bonus constitutes a monetary movable income subject to the corresponding withholding in accordance with the applicable tax regulations (currently 19%), which the Bank will pass on to the Participant and pay the remainder €324 and €243, respectively. Promotion valid until January 14, 2026. Check conditions of the promotion here.

1. Non-interest-bearing account, 0% NIR. 0% APR.

2. This contract has been formalised with the mediation of Santander Intermediación Correduría de Seguros, S.A. Subject to insurance terms. Registered in the Special Registry of Insurance Broker Companies with code no. J-989. Civil Liability and Financial Capacity covered under applicable law.