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.


Get everything you expect from a bank without fees


Debit card with accident insurance

No issuance and maintenance fee and also includes accident insurance of up to €120,0002.


Free Bizum payments and transactions

Transfers in euros online and at ATMs without commission, not urgent or immediate, and also to any entity in the UK, Poland and Portugal, , except currency exchange companies.


Fee-free cash withdrawals

30,000 Santander ATMs around the world from which you can withdraw cash on debit without fees.

What's more, you will enjoy access to many more perks



For setting up a direct debit for your salary or pension and two monthly bill payments.

  • Open an Online Account and sign up for the promotion here.
  • Set up a direct debit for your salary or pension and two monthly bill payments
  • If your salary or pension amount is more than €600, you will get €3001. However, if it is at least €2,500, you will get €4001.

When your first salary payment goes into your account, you will be paid the €300 reward. If you qualify for the €400 reward, you will have to wait for the second month for the remaining €100 (if both salary payments are of at least €2,500).


Up to €500 for introducing your friends

Simply obtain your code and share it with your friends and family.

For every friend who opens an account and sets up a direct debit for their salary, you will get €503. You can share your code with as many people as you like, but you will only get the reward for the first ten people who meet the requirements

The minimum account holding period is 24 months.

If you love music and do not want to miss a single beat ...

By becoming a Santander customer, you will also be getting access to discounts on music festivals and gigs, exclusive ticket presales and meet & greets with artists.

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


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.


Read and accept the contract terms and conditions

The General and Specific Terms and Conditions, using the signature that we will provide to you.

Any questions? Don't worry. You can call us on 91 050 34 34 from 09.00 to 19.00, Monday to Friday, except holidays.

If you have already started the process of opening an Online Account, you can continue here.

Manage your day-to-day banking needs from your mobile phone using the Santander App


Financial Assistant

  • Access all of your bank accounts in a single app,, without having to use third-party apps.
  • View your income and expenses by period or category.
  • Receive messages with ideas on organising your finances.

Manage your bills and subscriptions

  • You will be able to easily identify your card subscriptions and bills charged to your account, so you can control all your recurring payments.
  • In addition, you will be able to cancel subscriptions that you no longer need, quickly and easily.

Piggy banks for your savings targets

  • Define your savings targets to save without even realising it.
  • Choose how often you want to set money aside and round up your purchases made by card.
  • Set your own goals that will help you to save.

What's more, learn more about your carbon footprint and receive advice on how to minimise it. Offset it by taking part in projects that protect the environment.

What you need to keep moving forward

Your needs will change over time. One day, you will be wanting to go travelling and then, on another, you will want to buy a house or purchase insurance. Run simulations and take out the products that you need online.


Who can open the Online Account?

Santander Online Account is a fully digital, non-interest bearing current account (0% NIR, 0% AER) with no maintenance fees and no terms and conditions. An exclusive account for new customers! Individuals who are tax residents of Spain and over 18 years old.

Can I have a credit card with the Online Account?

You will be able to take out a virtual credit card4 with no issuance or maintenance fees. If you want a physical card, you will have to pay a one-off fee of €9.

You will be able to make purchases with your credit card in Bosnia and Herzegovina, Bulgaria, Switzerland, Czech Republic, Denmark, the United Kingdom, Gibraltar, Croatia, Hungary, Latvia, Norway, Poland, Romania, Serbia, Montenegro, Sweden and Turkey, with no fee for making a purchase in non-euro currency.


If you have already started the process of opening an Online Account, you can continue here.

The Best Spanish Bank in 2023, according to The Banker

By accelerating change and becoming an agile digital organisation that delivers an exceptional experience to customers underpinned by technology.

More information


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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