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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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CURRENT ACCOUNTS

Find a bank account for you

Discover the bank account that suits you An account can do so much more than simply hold your money: you can get your salary paid directly to your account and pay your bills by direct debit, make transfers from anywhere or enjoy exclusive benefits and services, with the reliability of Banco Santander.

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Choose the bank account that best suits your needs

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).

LEARN MORE

MORE SERVICES

Santander Account

Save on fees by meeting the requirements. Gain access to exclusive services and over 1900 branches.

FIND OUT MORE

Mini Account

An account for children and young people aged 0 to 17, because it's never too soon to start saving.

Accounts for young people

Online and Santander¹ accounts have no fees for people over 18 years of age.

Basic Payment Account

An account for your day-to-day management that you will access without having to hire other services.

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Take a look and find the current account for you

	Online Account	Santander Account	Mini Account	Basic Account
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.	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.
Maintenance fee	0 € 0% NIR, 0% AER.	Income + Receipts or use of cards: €0/month, 0% AER¹. Income or Contracted Product: €10/month, -1.98% AER². Without meeting conditions: €20/month, -3.93% AER³. Aged 18 to 28: €0/month, 0% AER¹. See conditions.	0 € 0% NIR, 0% AER.	€3 per month 0% NIR, -0.90% AER⁴. To have access to the Basic Payment Account it is not mandatory to purchase other services
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.
Credit card⁵	No issuance or maintenance fee.	No issuance or maintenance fee. With the card, you will also have access to Santander Premia⁶.		See terms and conditions.
Services and functionalities	Financial assistant. International experience. Receipts and subscription. Carbon footprint.	Financial assistant. International experience. Receipts and subscription. Carbon footprint.
Add-ons		Santander Payment programme. Santander Travel programme. Santander Iberia Plus Premium Plan.
	ADD Find out more	ADD Find out more	Find out more	Find out more

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Tools at your disposal

ACCORDING TO YOUR WORK AND FAMILY SITUATION

Personal Income Tax Calculator

Calculate the income tax withholdings on your salary in a few minutes.

SABER MÁS

BASED ON YOUR GROSS ANNUAL SALARY

Net Salary Calculator

Know what your monthly salary would be from the gross annual salary.

SABER MÁS

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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 Premia⁶

Receive discounts and cashback on the purchases you make with your Santander Credit Card⁵.

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.

Download the app

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1. 0% NIR, 0% AER for customers between 18 and 28 years of age or meeting 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, 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.
5. Transaction subject to prior approval from the Bank.
6. Read the terms and conditions of Santander Premia here. You must be a Santander Account or Group Account to access Santander Premia.

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