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 Account

Become a customer and get up to €840¹ over two years with your fee-free Online Account². Start earning with your salary:

Up to €360 over two years when you pay in a salary of at least €800.

Want to earn more? Over two years, you could receive:

Up to €240 for sending at least 3 Bizum payments per month.
Up to €240 for setting up two monthly direct debits.

No fees. No tie-in.

Open account

So how can you get up to €840 over two years?

Earn rewards each month for the things you do in your day-to-day life. You don't need to do it all - you choose how much to earn.

Up to +€15/month for your salary

Pay in your salary of at least €800 and you’ll receive €10/month.

If it’s more than €1,500, you’ll build up €15/month.

Paying in your salary is required in order to qualify for this promotion

+€10/month with Bizum

Link Bizum to your Online Account and make at least 3 transfers a month to receive a further €10/month.

+€10/month for your direct debits

Set up 2 monthly direct debits and you’ll receive €10/month.

That way, you could build up to €840 over two years with a salary of more than €1,500.

Open account

View FAQs

With the Online Account, you pay no fees

And you get direct access to these services at no cost.

Fee-free debit card

When you open your account you will get your Santander Debit Card with no issuance and maintenance fee.

Online transfers at no cost to you and Bizum

In euros: no fee, except urgent transfers.

International transfers: €0 issuance fee for individuals via the app and online banking. Note that currency exchange fees may apply.

Fee-free cash withdrawals

At the 30,000 Santander cash machines available worldwide.

Enjoy music with Santander SMusic

When you become a customer, you’ll unlock discounts on festivals and concerts, exclusive ticket presales and meet & greets with artists

Cut your travel costs

For just €3 a month with Santander Travel Programme³, you can:

Withdraw cash from any cash machine in the world, up to 3 times a month at no cost when using your Santander Debit Card.
Pay no fee on purchases made in non-euro currencies⁴ when using your Santander Debit Card.
Travel assistance insurance and purchase protection⁵.
Buy foreign currency with no fee.

And if you're under 30, you can make purchases abroad without paying any fees⁴ any day of the week, with no spending limit. You can also withdraw cash free of charge from any ATM worldwide up to three times a month⁶.

Reach your savings goals with money pots

Set your savings goals and save in the background.

Choose how often you want to make a contribution and round up your card purchases.
Set yourself personalised challenges to help you save.

How can you open an Online Account in just a few minutes?

Enter your details

Fill in your contact and personal data. You can speed up the process by taking a photo of your national ID card, foreigner ID card or passport. 

Verify your identity

You can do this online by video, for which we’ll ask for access to your camera. Or, if you prefer, you can always verify your identity at one of our branches.

Read and sign the documents

Read the required documentation carefully and sign using the OTP code we will send you. If everything is correct, we’ll confirm it by email.

Open an account

Continue with the process

Online Account FAQs

What important information do I need to know about the Online Account?

Before opening the account, you should carefully read the following documents:

Pre-contractual information: which describes the operation of the account and its features. You will find the most important things highlighted in bold.
Fee information document: contains the fees payable for the most common services associated with the account.

Who can take out the Online Account?

The Santander Online Accountis a non-interest-bearing current account (NIR 0%, AER 0%), with no maintenance fee and no conditions.An account exclusively for new customers! Individuals over the age of 18.

Can I apply for a credit card with the Online Account?

You can apply for a credit card⁷ with no issuance or maintenance fees.

Use your credit card to pay for purchases made abroad in non-euro currencies without paying any foreign currency transaction fees.

Do you have any questions about how to receive your bonus of up to €840?

We’ll tell you everything you need to know

No, there is no tie-in period or penalty

If you don’t meet the conditions in a given month, you’ll receive the bonus once you meet them again, in a subsequent bonus period.

1. If you don’t meet the income condition (salary, self-employed contribution or pension)

You won’t receive any bonus that month, even if you meet the Bizum or direct debit conditions.

The income condition must be met to qualify for any incentive.

2. If you meet the income condition but not Bizum or direct debits

You will continue to receive the bonus for salary, self-employed contributions or pension.
You simply won’t receive the incentive linked to the condition you didn’t meet. In other words, you will still earn, but you won’t receive that particular incentive.

For example, if you only sent 1 Bizum payment but have your two direct debits set up, that month you would receive €15 for paying in a salary above €1,500, plus a further €10 for your direct debits.

3. If you don’t meet any conditions

You won’t earn any bonus that month.

The €840 is made up of the amounts you receive each month over 24 months.

You can start earning simply by switching your salary to us. Here’s an example:

€15/month for paying in a salary of €1,500 or more × 24 months = €360

You can increase what you earn further by using your account day to day:

+€10/month for sending at least 3 Bizum payments × 24 months = €240
+€10/month for setting up two direct debits for bills × 24 months = €240

If you meet all these conditions, you’ll receive a total of €840 over two years.

The first step is to become a customer

Once you’ve done that, you can sign up for the promotion here.

Then all you need to do is meet the conditions each month

Do everything you need from the app

Managing your money has never been easier.

Financial assistant

View all your accounts in one app, analyse your spending by category and receive tips on how to improve your financial health.

Control over your bills and subscriptions

Easily identify subscriptions and bills, and cancel the ones you don’t need in a single click.

Manage your cards

Save easily and effortlessly: set targets, round up your purchases and take on challenges.

Your products just a click away

Take out your products online without leaving home: accounts, cards, insurance, pension plans and more…

This is what people already using the Santander App have to say

And if you want to as well, simply download it to enjoy a simple and secure solution for your day-to-day banking needs.

4,8 /5

410k+ ratings

4,7 /5

476k+ ratings

Everything you are looking for in an account

No fees, no conditions, and a welcome offer of up to €840 if you pay in your salary and if you meet conditions. Sign up before 30 October to take advantage of the offer.

Open account

Pick up where you left off

Transparency without the small print

We want you to make decisions with all the information at hand and no nasty surprises. That’s why we explain the conditions of your Online Account clearly and using plain language, avoiding the dreaded fine print.

1. Offer valid until 30/10/2026 for customers aged 18 or over resident in Spain who set up eligible income payments (salary or pension of at least €800/month, or self-employed contributions) 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€ y 1,499€.
€15/month for income of €1,500 or more
Additional monthly incentives:
For monthly income of between 800€ y 1.499€: 3 Bizum transfers or 1 credit card transaction: 10 €, 2 direct debits: 10€. Maximum total monthly incentive: up to €30/month.  
For monthly income of 1.500€: 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, nbonus 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.

2. Non-interest bearing account 0% NIR, 0% AER.

3. The Travel Programme fee is charged and paid monthly in advance on the 5th day of each month. The first charge and payment will take place on the first 5th day following your signing of the contract for the programme.  

Non-renewal: The customer must notify the Bank of their intention not to renew the agreement at least five (5) calendar days prior to the date on which the fee is charged for the programme. If the contract is still within its initial minimum term, the programme fee will continue to be charged on the 5th day of each month and the programme will continue until the end date of the minimum term. The fee will not be refunded. Non-renewal can be arranged through any of the Bank’s channels. 

4. Always choose to pay in local currency on the card machine. The applicable exchange rate into euros will then be applied.

5. When the customer takes out the Travel Programme, we include them as an insured person under the group insurance policies (i) “Travel Assistance Insurance” and (ii) “Protected Purchase Insurance”, which the Bank has taken out with the insurer Legalitas Compañía de Seguros y Reaseguros, S.A.U.

6. Banco Santander will not charge a fee, although you may be charged a fee by the bank operating the ATM.

7. Issuance of the card is subject to prior approval by the Bank. This card allows deferred payment (revolving). Bear in mind that, if you choose a monthly instalment that is too low, your debt may last longer than expected, as the monthly payment will be applied first to interest and fees, and a smaller portion to repaying the principal. Remember to use your credit card responsibly. Overreliance on credit carries a risk of over-indebtedness with long-term consequences that could affect your financial planning.