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.


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!

Debit card with accident insurance

There are no issuance or maintenance fees for the debit card and it includes accident insurance of up to €120,0002.

Available for various account holders

For individuals who are tax residents of Spain and over 18.

Send money with no fees or commission

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

Get up to €500 for bringing your friends

Invite your friends to open an Online Account before October 05 and you and your friends will win.

Read more;Read less

Just get your code and share it with your friends, family and acquaintances:

  • 1 friend = €503 for you.
  • Your friend gets €3003.
  • Maximum 10 friends.

You can share your code with as many people as you want, although you will only benefit from the promotion for the first 10 that meet the requirements.

To take the €50, your friend must, in addition to opening his account, direct debit two bills and your salary or pension of more than €600 per month. The permanence is 24 months.

Get up to € 400 for bringing your salary or pension and two monthly receipts*

  1. Open an Online Account and direct debit your salary or pension and two monthly receipts.
  2. If your salary or pension is more than € 600, you will get € 300. While if it is of at least € 2,500, you will take € 400.
  3. The last step to get your bonus is to sign up for the promotion here.

The payment of the €300 is made when the first paycheck is entered. While the payment of the €400 is made in two tranches: first €300 when the first salary comes in and €100 when the second month's salary comes in, if both are at least €2,500.

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

  1. Complete your details
    Fill in the details of the holders of the account.
  2. Identify yourself by videocall
    No need to visit a branch, all you need is a camera and your identity card.
  3. Read and accept the account opening conditions
    We'll make signing easy, so you don't have to move.

Any questions?

Don't worry, you can call us on 91 050 34 34, Monday to Friday from 09.00 to 19.00, except public holidays.

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


  • 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.


  • Make purchases with your credit card within the Bosnia and Herzegovina, Bulgaria, Switzerland, Czech Republic, Denmark, United Kingdom, Gibraltar, Croatia, Hungary, Latvia, Norway, Poland, Romania, Serbia, Montenegro, Sweden, Turkey with the fee for purchases in non-euro currency exempt.
  • 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.


  • 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.


  • 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.

Retrieve your application

If you have already started applying for your Online Account, complete it in a few simple steps.

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Santander Online Joint Account

Icon / check Created with Sketch. €0 maintenance fee.

Icon / check Created with Sketch. International experience, financial assistant and more.

Icon / check Created with Sketch. Exclusively for new customers.

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