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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 for your salary
Earn up to €8401 over two years, paid monthly
No hassle, no penalties, no tie-in. Become a customer with the fee-free Online Account2 and start earning with your salary:
- Up to €360 over two years when you pay in a salary of at least €800.
Want to earn more? Over two years, you could receive:
- Up to €240 for sending at least 3 Bizum payments per month.
- Up to €240 for setting up two monthly direct debits.
No fees. No tie-in.
So how can you get up to €840 over two years?
Earn rewards each month for the things you do in your day-to-day life. You don't need to do it all - you choose how much to earn.
Up to +€15/month for your salary
Pay in your salary of at least €800 and you’ll receive €10/month.
If it’s more than €1,500, you’ll earn €15 each month
Paying in your salary is required in order to qualify for this promotion.
+€10/month with Bizum
Link Bizum to your Online Account and make at least 3 transfers a month to receive a further €10/month.
+€10/month for your direct debits
Set up 2 monthly direct debits and you’ll receive €10 each month.
Keep going, and you could build up to €840 over two years.
Do you have any questions about how to receive your bonus of up to €840?
Start today and enjoy a fixed monthly bonus paid into your account.
No, there is no tie-in period or penalty.
If you don’t meet the conditions in a given month, you’ll receive the bonus once you meet them again, in a subsequent bonus period.
1. If you don’t meet the income condition (salary, self-employed contribution or pension)
You won’t receive any bonus that month, even if you meet the Bizum or direct debit conditions.
The income condition must be met to qualify for any incentive.
2. If you meet the income condition but not Bizum or direct debits
- You will continue to receive the bonus for salary, self-employed contributions or pension.
- You simply won’t receive the incentive linked to the condition you didn’t meet. In other words, you will still earn, but you won’t receive that particular incentive.
For example, if you only sent 1 Bizum payment but have your two direct debits set up, that month you would receive €15 for paying in a salary above €1,500, plus a further €10 for your direct debits.
3. If you don’t meet any conditions
You won’t earn any bonus that month.
The €840 is made up of the amounts you receive each month over 24 months.
You can start earning simply by switching your salary to us. Here’s an example:
- €15/month for paying in a salary of €1,500 or more × 24 months = €360
You can increase what you earn further by using your account day to day:
- +€10/month for sending at least 3 Bizum payments × 24 months = €240
- +€10/month for setting up two direct debits for bills × 24 months = €240
If you meet all these conditions, you’ll receive a total of €840 over two years.
The first step is to become a customer.
Once you’ve done that you can sign up for the promotion here.
Then all you need to do is meet the conditions each month.
Looking for an account to take advantage of this offer?
The Online Account has no fees2 and no conditions, and gives you access to these services at no cost.
Fee-free debit card
When you open your account, you’ll get your Santander Debit Card with no issuance or maintenance fee.
Online transfers at no cost to you and Bizum
In euros: no fee, except urgent transfers.
International transfers: €0 issuance fee for individuals via the app and online banking. Note that currency exchange fees may apply.
Fee-free cash withdrawals
At the 30,000 Santander cash machines available worldwide
How to open your Online Account in minutes?
1
Enter your details
Fill in your contact and personal data. You can speed up the process by taking a photo of your national ID card, foreigner ID card or passport.
2
Verify your identity
You can do this online by video, for which we’ll ask for access to your camera. Or, if you prefer, you can always verify your identity at one of our branches.
3
Read and sign the documents
Read the required documentation carefully and sign using the OTP code we will send you. If everything is correct, we’ll confirm it by email.
You can also open one of these accounts
Santander Account
With associated service and benefits programmes. See terms and conditions.
Group Accounts
If you belong to a professional group, such as the justice sector, healthcare sector or civil service, this account may be for you
Frequently asked questions
What important information do I need to know about the Online Account?
Before opening the account, you should carefully read the following documents:
- Pre-contractual information: which describes the operation of the account and its features. You will find the most important things highlighted in bold.
- Fee information document: contains the fees payable for the most common services associated with the account.
I have a salary account with another bank. How do I move my salary to Santander?
Changing the account your salary is paid into is as easy as asking your company’s HR department to make the change and giving them the number of the new account you want your salary paid into.
And if you want a better understanding of your payslip
be sure to check out our guide to understanding your payslip here.
This is what people already using the Santander App have to say
And if you want to as well, all you have to do is download it to enjoy a simple and secure solution for your day-to-day banking needs.
4,8 /5
410k+ ratings
4,7 /5
476k+ ratings
Everything you are looking for in an account
No fees, no conditions, and a welcome offer of up to €840 if you pay in your salary and if you meet conditions. Sign up before 30 October to take advantage of the offer.
Transparency without the small print
We want you to make decisions with all the information at hand and no nasty surprises. That’s why we explain the conditions of your Online Account clearly and using plain language, avoiding the dreaded fine printl.
1. Offer valid until 30/10/2026 for customers aged 18 or over resident in Spain who set up eligible income payments (salary or pension of at least €800/month, or self-employed contributions) and who do not already have them paid into the Bank.
Base incentive for paying in eligible income:
€10/month for income of between €800 and €1,499.
€15/month for income of €1,500 or more.
Additional monthly incentives:
For monthly income of between €800 and €1,500: 3 Bizum transfers or 1 credit card transaction: €10; 2 direct debits: €10. Maximum total monthly incentive: up to €30/month.
For monthly income of €1,500 or more: 3 Bizum transfers or 1 credit card transaction: €10; 2 direct debits: €10. Maximum total monthly incentive: up to €35/month.
Monthly bonus variable and conditional on meeting the requirements in each period; bonus non-cumulative and non-retroactive, running for a maximum of 24 months. No tie-ins. Amounts subject to withholding tax in accordance with current tax legislation. See full terms and conditions at bancosantander.es.
2. Non-interest bearing account (nominal interest rate 0%, AER 0%).
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How to pay using your mobile
The first step is to become a customer.
Once you’ve done that you can sign up for the promotion here.
Then all you need to do is meet the conditions each month.