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.

A current account for those who want more

The Santander Account is a non-interest-bearing2 current account for individuals and over the age of 18 that you can open online if you are a tax resident in Spain. Non-tax residents need to visit a branch to open the account.

If, for example, you have your income paid into your Santander Account and you make your payments using that account, you won't pay any maintenance fee for the account (0% NIR, 0% APR).

Find out how you can pay less in fees




account maintenance fee

account maintenance fee

account maintenance fee

If you have your salary paid into your account and make payments (at least three bills or six uses of your cards) using the account.

If you have your salary paid into your account or have a saving, financing, protection or market product.

If you don't have your salary paid into your account and you haven't signed up for any other product.

If you're aged between 18 and 28, the maintenance fee you'll pay for the account will be €02/month.

Click here to read all the terms and conditions of the Santander Programme.

Account characteristics

This account will offer you easy access to your money:

  • Debit and credit1 cards with no issuance or maintenance fee.
  • With no fee for making euro transfers from our Online Banking, the Santander App and ATMs, except for urgent and immediate transfers.
  • The option to send money immediately through Bizum using the App or via our Online Banking.
Benefits of your Santander Account
With services and functionalities so that you do not miss anything in your finances.
Cost control
Financial Assistant

Be in control of your finances thanks to easy access to detailed information on all your outgoings and where your money is going.


  • Have all the accounts from your different banks in a single app, without the need for third party apps, so that nothing escapes your notice!
  • View your income and expenses by period.
  • Receive messages with ideas for organising your finances.
  • View your expenses organised by category to see where you are spending your money.
In your App
Receipts and subscriptions

Do you sign up for services and forget to cancel them when you no longer use them? Never again.


  • You'll be able to easily identify your card subscriptions and account 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.
And more...
International experience

Because your banking transactions know no physical boundaries, we improve your experience to ensure that nothing holds you back.


  • Withdraw cash using your card with no fee from the more than 7,000 Santander ATMs in Spain and 30,000 worldwide.
  • Make purchases with your credit card in Bosnia and Herzegovina, Bulgaria, Switzerland, Czech Republic, Denmark, United Kingdom, Gibraltar, Croatia, Hungary, Latvia, Norway, Poland, Romania, Serbia, Montenegro, Sweden, and Turkey with the commission for purchases in non-euro currency exempt.
  • 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.
Offers and promotions
Santander Premia*

Access a whole universe of benefits just by making payments using your Santander credit card.


  • Get discounts and bonuses for purchases you make with your Santander Credit Card.
  • Check the total bonuses you have obtained through Santander Premia.
  • Enjoy discounts on more than 500 leading brands in 12 different categories including technology, fashion, mobility, travel and more.

*Check the Santander Premia terms of use here.

Calculation and offsetting of
Carbon footprint

Nowadays, we all want to know how we can make our individual contribution to preserving the planet and combatting climate change, and we can help you achieve this.


  • Discover your carbon footprint and receive eco-friendly tips on how to reduce it.
  • Offset your carbon footprint with projects that benefit the environment.

If you have already started a contract here you can continue with the process.

Get more with your Santander Account

With your account you have access to the Santander Programme that offers you benefits and services designed especially for you.

  • Santander Payment programme: single monthly fee for your transactions

  • If you make transfers or deposit checks frequently, pay only € 3 per month for this program and you can do it without additional commission:

    • Immediate national transfers in real time through online banking, telephone banking or the Santander App.
    • SEPA zone transfers assisted in office or through telephone banking, for any amount, both national and to countries of the European Union, in addition to Iceland, Norway, Liechtenstein, San Marino, Switzerland and Monaco.
    • International transfers (non-SEPA).
    • Deposit of checks in office. National cheques in euros in any of the Santander accounts of which you are the holder.
    • ATM protection insurancea.

    Transfers ordered on an urgent basis are not included.

  • Santander Travel programme: reduce your spending when travelling

  • If you're a frequent traveller, pay €3 a month for this programme and enjoy:

    • Free cash withdrawals three times a month with Santander debit and credit cards from any ATM in the worlda. You may be charged a fee by the owner of the ATM for cash withdrawals abroad.
    • No fee for purchases in foreign currency (non-euro transactions) made using Santander debit and credit cards.
    • Travel assistance insurance and purchase protectionb.
    • No fees when buying foreign currency (foreign bills).
    • Assistance in the event of loss or theft of your card abroad.
  • Santander Iberia Plus Premium Plan: earn Avios

  • If you sign up for the Santander Iberia Plus Premium Plan, for €4 a month you'll earn:

    • 1 Avio for every €2 you spend. With the Santander PB Unlimited credit card, 1 Avio for every euro.
    • 100 Avios/month per salary paid into your Santander Account.
    • 100 Avios/month per direct debit paid from your account.
Did you find this information useful?
We would love to know your opinion to improve

Santander Account

Icon / check Created with Sketch. Debit and credit1 cards.

Icon / check Created with Sketch. +30,000 ATMs for cash withdrawals.

Icon / check Created with Sketch. Services to make your day-to-day easier.

You might be interested in