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

Smart Account

If you are between 18 and 31 years of age, open the Smart account, with no requirements or maintenance fee and 100% online.

OPEN ACCOUNT

THE SMART ACCOUNT OPENS YOUR DOOR

to exclusive services and discounts

CONTROL YOUR OUTGOINGS

with the app and save

MAKE FREE DEBIT WITHDRAWALS

from more than 30,000 ATMs all around the world

Account for young people without requirements or commissions

The Smart Account is the young account of Santander SmartBank, it is an unpaid account for people between 18 and 31 years old, without maintenance fees or requirements (TIN 0%, APR 0%)¹. Open your Smart Account and we give you the tools you need to fill your life with experiences.

Benefits of the Smart Account, your young person's account

NO COMMISSIONS OR CONDITIONS

Account with no maintenance fee or requirements.
Debit card with no issuance or maintenance fee.
Free online transfers in euros via online banking or the app. Except urgent or immediate transfers.
Commission-free cash withdrawals using your debit card at more than 30,000 Santander ATMs all over the world.

SANTANDER APP: ALL YOUR BUSINESS WITH NO NEED TO GO TO THE BANK

Send and receive money with Bizum, immediately, using a mobile.
Make payments by mobile with Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay.
Talk to your personal manager whenever you need more information on products and services.
Get discounts with your app with Santander Zone, for many of your outgoings when you use your credit card (transport, fuel, sport and more).

DEVELOP YOUR TALENT

Education
Find opportunities for your academic and professional development on scholarship and aid programmes.
Find all these opportunities at a single location, where Santander Universities' member universities and also institutions and businesses all over the planet post their scholarship offers. Access the scholarship platform here.
Employment
Employment guidance to make it easier for you to find your dream job. We also teach you some of the skills you will need for your professional career, and provide you with an extensive list of job offers to help you enter the job world successfully. Go to the Universia Employment Portal to find job offers that match your profile.
Entrepreneurship
Take a look at our entrepreneurship grant programmes for young people, such as Explorer, the community connecting with entrepreneurs who will obtain training, support and mentoring to help them develop an innovative idea.

The Smart is...

Start enjoying the benefits of your young account right now.

OPEN ACCOUNT

UNIVERSITARY STUDENT?

Discover all the Santander SmartBank Services

DEBIT AND CREDIT

Cards

Because we know that you always want more.

LEARN MORE

TECHNOLOGY AND MORE

Santander Boutique

Enjoy the latest products without having to buy.

LEARN MORE

Guarantees

We'll help you start your new life.

Car operating lease

Gain freedom, consider new experiences.

Employment and training

Porque la formación será la clave en tu futuro.

Smart Account

Debit card with no issuance and maintenance fee.

Make transfers in euros free of charge.

Chat with your personal manager from the app.

Pre-contractual information for the Cuenta Smart (pdf 1.45 MB)

OPEN ACCOUNT

I'M A CUSTOMER AND I WANT TO HIRE

ARE YOU A UNIVERSITY STUDENT?

Other related products

Youth Mortgage

Youth Mortgage

If you are under 36 years old, you can finance up to 95% of the child between the appraised or purchase value within a period of 30 years.

Mi Hogar Santander "Esencial" insurance policy

An insurance for tenants that will cover you in case of theft or theft in the house, with guarantees for usual damages and with legal advice included.