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 Cuenta Smart, your young persons account

  • It has no fees: an account with no maintenance fee or requirements. Debit card with no issue or maintenance fee. Online transfers in euros are free, except urgent and immediate.
  • Do everything from your mobile: carry out operations using your app or by phone, such as, pay for your purchases, send and receive money through Bizum or chat with your personal manager.
  • Savings: with Santander ZOne you can save on your daily expenses just by paying with your card (transport, fuel, sports and much more).
  • Carefree travel: you can withdraw cash without paying any fees using your debit card in more than 30,000 automatic Santander ATMs around the world.
  • Concerts, trips, adventures: participate in our competitions and win a unique #SmartExperience: tickets for concerts, trips, adventures, training courses, etc.
  • Stand out by being Smart! And develop your talent with our scholarships, workshops, training courses and job offers.
  • We guarantee your dreams, we help you rent: get the guarantee or bond you need for your home rental from € 12/month for up to € 2,0002.

The Smart is...

Start enjoying the benefits of your young account right now.

Discover all the Santander SmartBank Services



Because we know that you always want more.

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Santander Boutique

Enjoy the latest products without having to buy.

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We'll help you start your new life.

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Car operating lease

Gain freedom, consider new experiences.

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Employment and training

Porque la formación será la clave en tu futuro.

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Smart Account

Icon / check Created with Sketch. Debit card with no issuance and maintenance fee.

Icon / check Created with Sketch. Make transfers in euros free of charge.

Icon / check Created with Sketch. Chat with your personal manager from the app.

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