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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

Online Account

Open your online account without fees or conditions Non-interest bearing account 0% NIR, 0% AER.

Santander Account

You save on fees if you meet the conditions. Access to exclusive services and more than 1,900 branches.

Online Account for Non-Residents

You only need your passport to open your zero-fee account in Spain.

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	Online Account for Non-Residents	Santander Account	Mini Account	Basic Account
Who is this account for?	New customers, residing in Spain, over 18 years old.	New customers, non-residents in Spain, over 18 years old.	Any person, whether a resident or non-resident in Spain for tax purposes, over 18 years of age.	Any person resident in Spain up to 17 years old.	Any natural person who is legally resident in the EU, is an asylum seeker or, even if they do not have a residence permit, cannot be expelled. You will not be able to have another account with another bank in Spain.
Maintenance fee	€0 NIR 0%, AER 0%.	€0 NIR 0%, AER 0%.	From 18 to 28 years: €0/month, AER 0%¹. If not: 1. Income + Bills or card usage: €0/month, AER 0%¹. 2. Income or Arranged Product: €10/month, AER -1,98%². 3. If conditions are not met: €20/month, AER -3,93%³. Read the terms and conditions	€0 NIR 0%, AER 0%.	€3/month NIR 0%, AER -0,90%⁴.
Debit card	No issuance or maintenance fees.	No issuance or maintenance fees.	No issuance or maintenance fees.	No issuance or maintenance fees.	No issuance or maintenance fees.
Credit card⁵	No issuance or maintenance fees.	No issuance or maintenance fees.	No issuance or maintenance fees. In addition, the card will give you access to Santander Premia⁶.		Check conditions in office.
Special services	Financial assistant. International experience: travel benefits, transfers, etc. Manage your bills and subscriptions. Carbon footprint calculation and offsetting.	Financial assistant. International experience: travel benefits, transfers, etc. Manage your bills and subscriptions. Carbon footprint calculation and offsetting.	Financial assistant. International experience: travel benefits, transfers, etc. Manage your bills and subscriptions. Carbon footprint calculation and offsetting.
Additional services that can be arranged			Santander Payments programme. Santander Travel programme. Santander Iberia Plus Premium Plan.
	ARRANGE Find out more	ARRANGE Find out more	ARRANGE Find out more	Find out more	Find out more

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Tools at your disposal

ACCORDING TO WORK AND FAMILY SITUATION

Personal Income Tax Calculator

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

FIND OUT MORE

BASED ON YOUR GROSS ANNUAL SALARY

Net Salary Calculator

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

FIND OUT MORE

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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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