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 non-interest-bearing1 current account, with no maintenance fee (0% NIR, 0% APR), or conditions attached. An account exclusively for new customers!

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 September 30 and you and your friends will win.

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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, or your self-employed fee. The permanence is 24 months.

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

  1. Open an Online Account and direct debit your salary or pension and two receipts.
  2. If your salary or pension is more than € 600, you will get € 300. While if it is more than € 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 € 400  is made in two tranches: first € 300 when entering the first payroll and € 100 when the second month enters, if both are for an amount greater than € 2,500.

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.

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.

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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