Account for young people without requirements or commissions

The Cuenta Smart is Santander SmartBank’s young persons non-interest bearing account1, with no opening or maintenance fee (NIR 0%, APR 0%), or requirements for people between 18 and 31 years. Open your Cuenta Smart and we will 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 and credit cards2 with no issue or maintenance fee. Online transfers3 in euros are free.
  • 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.
  • Get a cool CV: send us your CV, we’ll review it and help you improve it. 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 € 2,0004.

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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Technological operating lease

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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Cuenta Smart

Icon / check Created with Sketch. From your mobile and the wide network of ATMs.

Icon / check Created with Sketch. Job offers and scholarships to start your career.

Icon / check Created with Sketch. Unique experiences through contests.

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