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

And if you prefer, you can register from the Santander App

Scan the code, download the Santander App and open your account from your mobile phone.

Get everything you expect from a bank without fees

Fee-free debit card

When you open your account you will get your Santander Debit Card with no issuance and maintenance fee.

Online transfers at no cost to you and Bizum

In euros: no fee charged, except for urgent transfers.

International: €0 issuance fee for individuals on app and website. Currency exchange costs may apply.

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 to the promotion here.
Arrange for your salary or pension to be paid into your account, along with two monthly bills.

You’ll receive €300 if your salary or pension exceeds €600.
You’ll receive €400 if it is at least €2,500.

The €300 will be paid once your first salary is credited to your account. If you qualify for €400, the remaining €100 will be paid after your second salary payment, provided both are at least €2,500.

Open account

Sign me up to the promotion

Or, if you prefer…

Enjoy an iPhone 17e 256 GB for €0/month²

To get started, follow these steps and meet the conditions:

Open your Online Account.
Sign up to the promotion.
Take out a 36-month lease for your iPhone 17e.
You’ll have two months to meet the conditions:

Arrange for your salary of at least €1,200 to be paid directly into the account.
Set up two monthly direct debits for bills.
Link Bizum to your account.
Use your credit card at least once a month or hold a daily balance of at least €1,000 in your account.

Learn more

Make a living from 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

And if you prefer, you can register from the Santander App

Scan the code, download the Santander App and open your account from your mobile phone.

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 the Santander Credit Card³ 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 June 10, 2026. Read the terms and conditions of the promotion here.
2. Leasing offered by Banco Santander. Monthly lease for the iPhone 17e 256 GB (without insurance): €20.99/month (including VAT). You will receive a net monthly cashback of € 20.99 (after applying the applicable tax withholding under current regulations; currently 19 %) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for an amount exceeding €1,200, or set up direct debits for your self-employment contributions or mutual fund payments; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. You will receive a net monthly cashback of €27.99 (after applying the applicable tax withholding under current regulations; currently 19%) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for at least €3,000; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. Under no circumstances will the cashback amount exceed the amount of the lease payment. All conditions must be met and you must sign up to the promotion. Promotion valid until 30/10/2026. Leasing and credit card issuance subject to prior approval by the Bank. View the terms and conditions of the promotion at www.bancosantander.es. At the end of the lease, you may return the device, take out a new lease, or purchase it outright for: €141.60 (including VAT) for the iPhone 17e 256 GB. Leasing offers valid in mainland Spain, the Balearic Islands and the Canary Islands; not valid in Ceuta or Melilla..
3. Transaction subject to prior approval from the Bank.