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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.
Youth Account
A super-big account for minors
A zero-cost account that little ones can start using to learn how to save and handle their money from early on in life.
€20 +€20+€20 for your first account
Make an initial deposit of €20 or more and we will add an extra €201.
As simple as that, until 17 June. Get that extra boost today and start saving.
An account for children and not so children
Youth Account, available to new customers. One account per holder.
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Learn to save from the beginning From 0 to 11 yearsIdeal for them to start getting familiar with money and to learn to plan their goals.
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Start their financial independence From 12 to 18 yearsWhen they start moving around on their own, they need tools that can keep up with them.
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The account grows with them, while you're by their side
Pay in shop, online and withtheir mobile
With their free Youth Prepaid Card3, you will be free to pay for your purchases and withdraw cash without fees at Santander ATMs, spending only what’s available on the card balance.
LondonNew YorkTokyo
To discover the world by paying only for what is important
With their Youth Prepaid Card3, they can pay in any currency with no fee5.
What’s more, there’s no fee for withdrawing cash from any ATM worldwide, up to three times per month. Remember that the bank that owns the ATM may apply its own fee.
Always by their side
From the app, you can view their account and stay up to date with everything that’s going on.
Keep an eye on their spending
You can check their balance, set any limits you want and receive instant notifications of account activity.
Send them money
You can top up their Youth Prepaid Card from your app in a few easy steps.
They won’t be on their own
And if something unexpected happens, you can quickly block or switch off their card.
Knowledge is their greatest power
How to open our youth account?
First, tell us whether you, as a parent or legal guardian, are an existing customer:
1. Scan this QR code or log in via your App
The Youth Account for a new holder must be openedvia the legal guardian’s Santander App. A minor can only have one Youth Account.
To start the application, scan the QR code or use your Santander App: Menu > Apply.
2. Prepare documents
All you need to do is upload a photo of the following documents from your smartphone:
- Your child's national identification document, foreigner identification card or passport.
- Family Book or birth certificate.
3. Fill in the details, sign and that’s it!
Fill in your child’s details and, at the end, you’ll be able to sign online.
Fast, easy and paperless.
If you’re using your mobile, tap here directly:
What do I need to know about the account for children and teenagers?
The Youth Account is a non-interest-bearing current account (NIR 0%, APR 0%) with no maintenance fee or additional requirements. It is available for individuals aged 0 to 18.
Read the following documents carefully before opening the Youth Account:
- 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.
Frequently asked questions about the account for children and teenagers
About the account
They don't have to do anything.
- They will continue to have access to their Santander app, now with all the adult features.
- The role of legal representative disappears (unless you ask us otherwise), and your child acquires full ownership of the account and related products.
- Their account becomes a fee-free Santander Account until the age of 29, and they get a free debit card.
- Don't worry: we'll keep you informed about everything as the time approaches.
You must be a parent and a Santander customer to open an account for children and teenagers.
Children from 0 to 18 years old, both inclusive, can have their own account.
All you need is your child’s DNI, NIE or passport, together with the Family Book or a birth certificate confirming your relationship. You can open the account easily from the Santander app or at any branch.
No! The youth account has no opening or maintenance fees.
No, a minor can only have one Youth Account.
Use and control
You can have a Youth Prepaid Card with the youth account if you wish, with no issuance or maintenance fee. You can request it at any time.
This card is designed to help young people to learn to manage their money safely:
- It allows purchases and cash withdrawals at ATMs.
- The minimum top-up amount is €6.
- The maximum balance limit is €900.
Ideal for giving them independence while maintaining control from the app.
You can top up their card using the Santander app or at any branch. You can check their balance and transactions in real time whenever you want, and you can set up notifications for purchases and top-ups. This means you always have control of their money, while helping them learn to manage it responsibly.
If the card is lost or you need to block it, you can do this instantly using the Santander app or by calling our 24-hour customer support. Remember to transfer any available balance to the account before blocking or cancelling the card.
1. Incentive of €20 gross (€16.20 net after applicable tax withholding). Promotion valid from 17/03/2026 to 17/06/2026 for individuals under 18 who open a new Youth Account or who already hold a Youth Account with a balance below €30 and make an initial deposit of at least €20. Registration and acceptance by the legal representative are required. View terms and conditions at www.bancosantander.es.
2. Non-interest-bearing account 0% NIR, 0% AER.
3. The Santander Youth Prepaid Card must be contracted by the legal guardian, who must be a Banco Santander customer, on behalf of the minor. The card can be topped up with a maximum card of €900.
4. Santander Bizum for minors is aimed at children from 14 years and up, and has amount and operational restrictions; for example, payments to stores are not permitted. The application must be made through the legal representative on the child’s behalf via the Santander app. The legal representative must supervise the child’s use and any payments. View the terms here.
5. Simply select the local currency at the POS terminal and the corresponding exchange rate to euros will be applied.
Youth Account for minors
- For children and young people between 0 and 18 years old.
- With a card to make payments and withdraw cash.
- Free access to Santander Open Academy courses.
Other related products
Santander App
Have the bank on your mobile. Make transfers, manage your credit cards, withdraw cash from ATMs, review your expenses and more.