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 Account

A current account with a lot to offer and no fees to pay if you fulfil the conditions.

Services that make life easier.
Sign up to programmes to make payments and travel easy.
And with the option to access offers and promotions.

Open an account

Hombre tumbado en el sofá con móvil en la mano

credit¹ and debit cards

with no issuance or maintenance fee

Facilities to take care of your finances

financial assistant, detail of receipts and subscriptions and more

Withdraw cash by debit card with no fee

from 30,000 Santander ATMs worldwide

A current account for those who want more

The Santander Account is a non-interest-bearing current account² (0% NIR, 0% APR) for individuals over 18 that you can open online or in the branch. Here are some of the basic features of the Santander Account:

Credit and debit cards¹ with no issuance or maintenance fees.
Withdraw cash by debit card with no fee from 30,000 ATMs worldwide, and access the discounts offered by Santander Premia with your credit card.
Transfers in euro with no fees.
From your Santander Online Banking, Santander App or from ATMs, except urgent transfers.
Instant transfers with no fee via Bizum on the Santander App, or through your Santander Online Banking.

Pay €0² in maintenance fees:

If you are between 18 and 28 years old, you don't need to meet any other conditions.
If you are not yet a customer, during the first 6 months.

You can continue to enjoy paying no fees if you meet the following conditions

You pay €0² in account maintenance fees if you meet these two conditions:

You have your salary or other income paid into your account, or your monthly freelance social security contribution debited from your account.
You make payments through the account (at least 3 debits or 6 card payments).

You pay €10³ in account maintenance fees if you meet these two conditions:

You have your salary or other income paid into your account.
You have taken out a savings, financing, protection or markets product.

You pay €20⁴ in account maintenance fees if you meet no conditions.

Check all the terms and conditions of the Santander Programme here.

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

Open an account

If you have already started a contract here you can continue with the process.

Benefits of your Santander Account

With services and functionalities so that you do not miss anything in your finances.

Cost control

Financial Assistant

Be in control of your finances thanks to easy access to detailed information on all your outgoings and where your money is going.

Benefits

Have all the accounts from your different banks in a single app, without the need for third party apps, so that nothing escapes your notice!
View your income and expenses by period.
Receive messages with ideas for organising your finances.
View your expenses organised by category to see where you are spending your money.

Open an account

If you have already started a contract here you can continue with the process.

Get more...

Hire the following services according to your needs:

If you make transfers or deposit checks frequently, pay only € 3 per month for this program and you can do it without additional commission:

Immediate national transfers in real time through online banking, telephone banking or the Santander App.
SEPA zone transfers assisted in office or through telephone banking, for any amount, both national and to countries of the European Union, in addition to Iceland, Norway, Liechtenstein, San Marino, Switzerland and Monaco.
International transfers (non-SEPA).
Deposit of checks in office. National cheques in euros in any of the Santander accounts of which you are the holder.
ATM protection insurance^a.

Transfers ordered on an urgent basis are not included.

a. The customer, at the time of signing this contract with the Bank, you will be incorporated as an Insured to the group insurance for cash entry and withdrawal, "ATM protection insurance", contracted by the Bank with Compañía Aseguradora Legálitas Compañía de Seguros y Reaseguros, S.A.U.

If you're a frequent traveller, pay €3 a month for this programme and enjoy:

Cash withdrawals at ATMs: with Santander debit and credit cards you will have up to 3 cash withdrawals per month without fees at any ATM in the world^a. The entity that owns the ATM abroad may directly charge a fee for cash withdrawals.
No fee for purchases in foreign currency (non-euro transactions) made using Santander debit and credit cards.
Travel assistance insurance and purchase protection^b.
No fees when buying foreign currency (foreign bills).
Assistance in the event of loss or theft of your card abroad.

a. Banco Santander will not charge any fees, and will only pass on to the customer the fee charged by the entity that owns the ATM.

b. On signing up for the Programme we will include the customer as an insured party on the (i) “Travel Assistance Insurance Certificate” and (ii) “Purchase Protection Insurance Certificate” group insurance policies arranged by the bank with Compañía Aseguradora Legalitas Compañía de Seguros y Reaseguros, S.A.U.

If you sign up for the Santander Iberia Plus Premium Plan, for €4 a month you'll earn:

1 Avio for every €2 you spend. With the Santander PB Unlimited credit card, 1 Avios for every euro.
100 Avios/month per salary paid into your Santander Account.
100 Avios/month per direct debit paid from your account.

1. Card eligibility subject to the Bank's prior approval. This card allows deferred payment. Bear in mind that if you choose a monthly instalment that is too low, it may take you longer than expected to repay the amount you owe, as the monthly instalment will first be used to pay any interest and fees, and less will be available for the capital repayment. Remember to use your credit card in a responsible way. Misuse of financing entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.

2. 0% NIR, 0% APR when any of the conditions to obtain a full exemption are met; example for the option of transactionality (salary and bills/cards). On the assumption that a minimum daily balance of €6,000 is held continuously for 1 year, subject to an annual nominal interest rate of 0% and a maintenance fee of €0.

3. 0% NIR, -1,98% APR when any of the conditions are met; example for the option of holding a balance equal to or greater than €5,000 and lower than €25,000 in investment funds, with no added costs. Based on the same assumption in terms of balance, interest rate and card and a maintenance fee of €120/year (€10/month) for 1 year.

4. 0% NIR, -3,93% APR if none of the conditions are met; example based on the same assumption in terms of balance, interest rate and card, and a maintenance fee of €240/year (€20/month) for 1 year. The account will be settled on a monthly basis.