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.


Online Account wihout fees

The Santander Online Account is a 100% digital, non-interest-bearing1 current account, with no maintenance fee (0% NIR, 0% APR), or conditions attached. An account exclusively for new customers!

Open your account in a few steps and without going to the office

An account without conditions that you can hire at any time and place.

Debit card with account opening

Just by opening your account you will get the Santander Debit Card without issuance and maintenance fee.

30,000 ATMs worldwide

Withdraw cash on debit without commission from any of the Santander ATMs.

Online Account: you earn a lot without giving anything

Open your Santander Online Account in just a few minutes without having to move and join the many who are already enjoying the benefits of this account.

It is an account for new customers, who are individuals, tax resident in Spain and over 18 years of age.

Characteristics of the Santander Online Account

  • Open your account with no maintenance fee, in other words, you pay nothing for having your account.
  • You can have two accounts per account holder.
  • Make payments anywhere with your Santander Debit Card, which you receive when you open your account with no issuance or maintenance fee when opening the account. What's more, you can enjoy accident insurance cover for up to €120,0002.
  • Make euro transfers with no fee from our Online Banking, Santander App and ATMs, except for immediate and urgent transfers.
  • Send money immediately with no fee through Bizum.

Get €150 for bringing your salary*

If you open an Online Account and direct deposit your salary you can get a bonus of €150. To do this, in addition to bringing your payroll, you must sign up for the promotion here.

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 or debit card within the UK, Poland, Switzerland, Sweden, Norway, Denmark and Finland 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.
  • Make use of the emergency cash service; if your card is stolen, get money in cash anywhere in the world.


  • 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.

Open your online account in just a few minutes without visiting a branch

  1. Complete your details
    Fill in your personal details.
  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.

Retrieve your application

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

Do you already have an account?

Here we tell you how to check your account balance.

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Santander Online 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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