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Banco Santander
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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.

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Online Account: become a customer in just a few steps

And you can choose the promotion that best suits your needs.


Enjoy an iPhone 16 for €0/month1

Your iPhone 16 with a 36-month leasing agreement. Just for having their salary paid directly to their account, setting up direct debits for two monthly bills and setting up Bizum. In addition, you must use your credit card at least once a month or maintain a daily balance of at least €1,000. 



I WANT ONE

 

Receive up to €400

You have until 31 March 2025 to receive up to €4002 for simply having your salary paid directly into your account and paying two monthly bills.

And if you invite your friends, you will receive €50 for every friend3 who opens an account and has their salary paid directly to their account, for up to 10 friends.

I'M INTERESTED


Open your online bank account to start enjoying all the benefits and products of Banco Santander.

savings

card

sepa-transfers

No fees or conditions

Non-interest bearing account (0% NIR, 0% AER) for new customers, which has no fees and can be opened in just a few steps.

No requirements: no salary, bills or minimum period.


 

Find out more

Debit card with accident insurance

No issuance or maintenance fee. Just open your account. Use it to make debit cash withdrawals without any fees at any of 30,000 Santander ATMs worldwide.

It also includes accident insurance of up to €120,0004.

Commission-free cash withdrawals

30,000 Santander ATMs around the world where you can get free cash withdrawals.


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Other bank accounts that might interest you

OPEN YOUR ONLINE ACCOUNT

Santander Account

With services designed to make your day-to-day life easier. You will be able to arrange programmes to make payments and travel easier.

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CHILDREN'S ACCOUNT

Mini Account

An account for children and young people aged 0 to 17. Comes with a pre-paid card that you can top up whenever you need.

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BENEFITS WITH NO STRINGS ATTACHED

Accounts for young people

Online and Santander5 accounts have no fees for people over 18 years of age.

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1. Leasing offered by Banco Santander. Monthly cost of a 128 GB iPhone 16 with no insurance €24.99/month. Net monthly cashback bonus of €24.99 (after deduction of withholding tax at the current rate of 19%) will be received for signing a 36-month tech leasing contract by individuals who, for the first time, have their salary or pension of more than €1,200 paid directly to their account, or set up direct debits for their self-employed or mutual insurance contributions and maintain this together with the direct debit of two monthly bills, a monthly credit card transaction and an active Bizum service at Banco Santander. All of the terms and conditions of the promotion must be met. Customers must use the form to sign up for the campaign. Promotion valid until 15 February 2025. The leasing facility and credit card are subject to prior approval by the bank. Read the terms and conditions of the promotion at www.bancosantander.es. At the end of your leasing contract, you can keep your device by paying €287.98 (VAT included), return it or lease a new device to ensure you are always using the latest equipment.
2. Discount of €400 gross for new salary or pension payments made for an amount of at least €2,500/month and the payment of two bills per month from the same account. For salaries between €600/month and €2,500/month, the discount will be €300 gross. Minimum term of 24 months. You need to fulfil the terms and conditions of the promotion and sign up for the campaign using the form provided for customers. The promotional discount is a return on moveable capital subject to the relevant tax rate (currently 19%), which the bank will withhold, with the remainder (€324 and €243, respectively) then paid to the Participant. Promotion valid until March 31, 2025. Please read the terms and conditions for the promotion here.
3. This contract has been drawn up by Santander Intermediación Correduría de Seguros, S.A. Subject to the terms and conditions of the policy. Entered into the Special Insurance Brokerage Company Register under code no. J-989. Third-party liability and financial capacity covered in accordance with applicable law.
4. Promotion valid until December 15, 2024. Amounts subject to withholding tax, in accordance with the current tax regulations. Please read the "Introduce a friend Salary" promotion's terms and conditions here.
5. Online Account: non-interest-bearing 0% NIR, 0% APR. Santander Account: non-interest-bearing interest, 0% NIR, 0% APR for customers between 18 and 28 years of age.

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