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 Online Joint Account

No fees, no terms and conditions. Open an account in just a few steps and join all our other customers who are already taking advantage of the benefits we offer.

No terms and conditions: no salary has to be paid into account, no direct debit bills...
€0 maintenance fee.
100% online: when you want, wherever you are.

Open an account

Retrieve request

Santander Debit Card

no issuance or maintenance fee

For services for your daily life

international experience, financial assistant and more

From commission to withdraw cash

in 30,000 Santander ATMs worldwide

Account for two holders

The Santander Online Joint Account is an unpaid current account¹, with no maintenance fee (NIR 0%, APR 0%), or conditions. It will allow you and another holder to carry out transactions without needing each other's signature. An account available exclusively to our new customers that you will be able to enjoy with your partner or with whomever you choose!

Open an account

Debit card

There are no issuance or maintenance fees for the debit card.

Available for various account holders

All holders must have the same tax residence and be over 18 years of age.

Send money with no commission

Use Bizum or euro transfers via Online Banking, the Santander App or an ATM, except for urgent transfers.

Receive up to €840 over two years²

Become a customer with the fee-free Online Account¹ and start building up rewards month by month:

You’ll receive €840 if you pay in your salary of more than €1,500, set up two monthly direct debits, send at least 3 Bizum payments a month and keep all of this in place for two years:

€15/month for bringing us your salary x 24 months = €360
€10/month for sending at least 3 Bizum payments x 24 months = €240
€10/month for setting up two direct debits x 24 months = €240
That gives you a total of €840

If your salary is more than €800 and less than €1,500, you’ll receive a bonus of €10/month. That adds up to €720 over 2 years.

No hassle. No penalties. No tie-ins.

Open an account

Open your Online Joint Account in a few minutes without visiting a branch

Enter your details

Fill in the form with your details, such as your full name, Spanish national ID document (DNI), contact details and address.

Confirm your identity

Using the options that we offer for this process. If you choose to do this by video, we will request access to your camera.

Confirm your identity

Using the options that we offer for this process. If you choose to do this by video, we will request access to your camera.

Open an account

Continue with the process

What important information do I need to know about the 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.

More benefits of your Online Account that you can manage from the Santander App

Financial assistant

Have all the accounts from your different banks in a single app, without the need for third party apps.
View your income and expenses by period or category.
Receive messages with ideas for organising your finances.

International experience

Make purchases with your credit card in a currency other than the euro and you will not have a currency exchange fee.
Withdraw cash with no fee from any of the 30,000 Santander ATMs worldwide, including more than 7,000 in Spain.
Make transfers with no fees to any entity (even outside Santander) in the UK, Poland and Portugal, with the exception of the foreign exchange fee.

Receipts and subscriptions

You'll be able to easily identify your card subscriptions and receipts so you have control of all your recurring payments.
In addition, you will have the possibility to cancel the subscriptions that you no longer need in a more agile way.

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.

Do you already have an account?

Here we tell you how to check your account balance.

1. Non-interest-bearing account, 0% NIR. 0% APR.

2. Offer valid until 30/10/2026 for customers aged 18 or over resident in Spain who set up eligible income payments (salary, pension or self-employed contribution payments of at least €800/month) 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 income of between €800 and €1,499:
3 Bizum transfers or 1 credit card transaction: €10; 2 direct debits: €10. Maximum total monthly incentive: up to €30/month.  
For income of €3,000 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.