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 Account

Join the thousands who already enjoy the advantages of this account:

€0 maintenance fee.
0 conditions: no payroll, no receipts, no permanence.

Why switch to Santander? Easy, because you get up to €400 for depositing your salary directly and setting up two bill payments¹.

Open an account

Get everything you expect from a bank without fees

Debit card with accident insurance

No issuance and maintenance fee and also includes accident insurance of up to €120,000².

Free Bizum payments and transactions

Transfers in euros online and at ATMs without commission, not urgent, and also to any entity in the UK, Poland and Portugal, except currency exchange companies.

Fee-free cash withdrawals

30,000 Santander ATMs around the world from which you can withdraw cash on debit without fees.

And it gives you access to many more advantages

Get up to €400¹

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.

Would you rather enjoy an iPhone 17 instead of taking €400?

If you sign up for the Online Account and meet all the conditions, you will be able to enjoy an iPhone 17 for €0/month³ with a 36-month renting.

Find out more

Enjoy music with Santander SMusic

If you are a fan of music and don't want to miss anything...

By becoming a customer, you will open the door to discounts on festivals and concerts, exclusive pre-sale of tickets and meet & greet with artists.

How can you open an Online Account in just a few minutes?

Enter your details

Fill in the form with your details, such as your full name, Spanish national ID document (DNI), contact details and address.

Confirm your identity

Using the options that we offer for this process. If you choose to do this by video, we will request access to your camera.

Read and accept the contract terms and conditions

The General and Specific Terms and Conditions, using the signature that we will provide to you.

Open an account

Continue with the process

What important information do I need to know about the Online 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.

Who can open the Online Account?

Santander Online Account is a fully digital, non-interest bearing current account (0% NIR, 0% AER) with no maintenance fees and no terms and conditions. An exclusive account for new customers! Individuals and over 18 years old.

Can I have a credit card with the Online Account?

You will be able to take out a credit card⁴ with no issuance or maintenance fees.

With your credit card you can pay for purchases you make abroad in a currency other than the euro with the commission for purchases in non-euro currency exempt.

Manage your day-to-day banking needs from your mobile phone using the Santander App

Financial Assistant

Access all of your bank accounts in a single app,, without having to use third-party apps.
View your income and expenses by period or category.
Receive messages with ideas on organising your finances.

Manage your bills and subscriptions

You will be able to easily identify your card subscriptions and bills charged to your account, so you can control all your recurring payments.
In addition, you will be able to cancel subscriptions that you no longer need, quickly and easily.

Piggy banks for your savings targets

Define your savings targets to save without even realising it.
Choose how often you want to set money aside and round up your purchases made by card.
Set your own goals that will help you to save.

What's more, learn more about your carbon footprint and receive advice on how to minimise it. Offset it by taking part in projects that protect the environment.

What you need to keep moving forward

Your needs will change over time. One day, you will be wanting to go travelling and then, on another, you will want to buy a house or purchase insurance. Run simulations and take out the products that you need online.

Do you already have an account?

Here we tell you how to check your account balance.

Discover more

1. Bonus of €400 gross for new salary or pension payments made for an amount of at least €2,500/month and the payment of two direct debits per month from the same account. For salaries between €600/month and €2,500/month, the discount will be €300 gross. Minimum term of 24 months. You need to meet the terms and conditions of the promotion and sign up for the campaign using the form provided for customers. The promotional discount is a return on moveable capital subject to the relevant tax rate (currently 19%), which the bank will withhold and then pay the Participant the remainder (€324 and €243, respectively). Promotion valid until January 14, 2026. Read the terms and conditions of the promotion here.
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.
3. Renting offered by Banco Santander. Monthly cost of a 256 GB iPhone 17 with no insurance €24.99/month. Net monthly cashback of €24.99 (after deduction of withholding at the current rate of 19%) will be received for signing a 36-month tech leasing contract by inviduals who (1) have their salary or pension of more than €1,200 paid into their account or set up direct debits for their self-employed or mutual insurance contributions, (2) maintain this together with the direct debit of two monthly bills, (3) have monthly credit card activity or an account balance equal to or greater than €1,000 every day of the month, and (4) have an active Bizum service at Banco Santander. All T&Cs must be met to take part in this promotion. Promotion valid until 14/01/2026. Renting transactions and the assignment of a credit card are subject to prior approval by the bank. You can read the promotion T&Cs here. At the end of your renting contract you can return the phone, take out a new contract or keep the phone by purchasing it for the value of: €288.00 (VAT included) for iPhone 17. Renting offers valid in the Mainland, Balearic Islands and Canary Islands, not valid in Ceuta and Melilla.
4. Transaction subject to prior approval from the Bank.