NO FEES
Online Account
An account for new customers with no fees. Open it online in just a few easy steps. No interest is paid on your balance with this account (0% NIR, 0% AER).
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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.
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Choose the bank account that best suits your needs
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Santander Account
Save on fees by meeting the requirements. Gain access to exclusive services and over 1900 branches.
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Basic Payment Account
An account for day-to-day banking.
Mini Account
An account for children and young people aged 0 to 17, because it's never too soon to start saving.
World Account
A current account designed for non-residents, with special products and services.
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Take a look and find the current account for you
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Online Account |
Santander Account |
Mini Account |
World Account |
Basic Account |
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Who is it for? |
New customers, residing in Spain, aged 18 or over. |
Any person resident or non-resident in Spain for tax purposes, over 18 years of age. |
Anybody residing in Spain, aged 17 or under. |
Anybody not residing in Spain, aged 18 or over. |
Any natural person legally residing in the EU, is an asylum seeker or, even if he does not have a residence permit, cannot be expelled. You may not have another account in another entity in Spain. |
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Maintenance fee |
€0 0% NIR, 0% AER. |
Interest and payments: €0/month, 0% AER1.
Interest/product: €10/month, -1.98% AER2.
No products: €20/month, -3.93% AER3.
Aged 18 to 28: €0/month, 0% AER1.
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€0 0% NIR, 0% AER. |
€16 per month 0% NIR, -1.32% AER4. |
€3 per month 0% NIR, -0.90% AER5. |
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Debit card |
No issuance or maintenance fee. |
No issuance or maintenance fee. |
Pre-paid card with no issuance or maintenance fee. |
No issuance or maintenance fee. |
No issuance or maintenance fee. |
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Credit card6 |
Virtual card: no issuance or maintenance fee.
Physical card: one-off fee of €9. |
No issuance or maintenance fee. With the card, you will also have access to Santander Premia7. |
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See terms and conditions. |
See terms and conditions. |
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Services and functionalities |
Financial assistant. International experience. Receipts and subscription. Carbon footprint. |
Financial assistant. International experience. Receipts and subscription. Carbon footprint. |
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Add-ons |
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Santander Payment programme. Santander Travel programme. Santander Iberia Plus Premium Plan. |
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Tools at your disposal
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Access your account services via the app
Santander and online accounts offer plenty of services to make life easier. You can access them all from the Santander app.
Financial assistant
All your accounts and movements in one place, without third-party apps.
International experience
30,000 Santander ATMs worldwide.
Purchases and transfers are exempt from fees in some European countries.
Santander Premia2
Receive discounts and cashback on the purchases you make with your Santander Credit Card3.
Receipts and subscriptions
Do you sign up for services and forget to cancel them when you no longer use them? Never again.
Carbon footprint
Discover your carbon footprint and receive eco-friendly tips on how to reduce it.
Offset your carbon footprint with projects that benefit the environment.
Download the Santander app
In addition to these services, wherever you are, you'll have access to your Santander Personal manager, tutorial videos and an assistant for FAQs.
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1. 0% NIR, 0% AER when you meet any of the conditions to obtain a full waiver, example under the option of transactionality (salary and bills/cards). On the assumption that a minimum daily balance of €6000 is held continuously for one year, subject to an annual nominal interest rate of 0% and a maintenance fee of €0.
2. 0% NIR, -1.98% AER when you meet any of the conditions, example for the option of holding a balance equal to or greater than €5000 and lower than €25,000 in investment funds, with no added costs. Based on the same assumption in terms of balance, interest rate, card type and a maintenance fee of €120/year (€10/month) for 1 year.
3. 0% NIR, -3.93% AER if none of the conditions are met: example based on the same assumptions of balance, interest rate, card type and a maintenance fee of €240/year (€20/month) for 1 year. The account will be settled on a monthly basis.
4. 0% NIR, -1.32% AER when you maintain a minimum daily balance of €14,500 continuously for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of €192/year (€16/month). The account will be settled on a monthly basis.
5. 0% NIR, 0% AER, on the assumption that a minimum daily balance of €4000 is held continuously for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of €36/year (€3/month).
The account will be settled on a monthly basis.
6. Transaction subject to prior approval from the Bank.
7. Read the terms and conditions of Santander Premia here. You must be a Santander Account, Group Account or World Account customer to access Santander Premia.
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