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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.
Why choose the Online Account?
All included and no costs:
- Account with no minimum requirements: no need to have your salary deposited in your account, to set up direct debits for bills and no minimum term.
- Debit card included.
- Bizum and non-urgent online transfers in euros.
- Cash withdrawals at 30,000 Santander ATMs worldwide.
- Available for multiple account holders and now also for non-residents.
Online Santander Account
Become a customer and choose your welcome offer
Receive up to €8401 over two years
Add up each month based on the things you do in your day-to-day life.
Start earning:
- Bring your salary of at least €800: up to €15/month.
And if you want to earn more:
- Send at least 3 Bizum payments: €10/month.
- Set up 2 direct debits for bills: €10/month.
No hassle. No penalties. No tie-ins.
An iPhone 17e for €0/month2
Your iPhone 17e with a 36-month lease. Conditions:
- Have your salary paid directly to your account, for salaries of at least €1,200.
- Set up a direct debit of at least two monthly bills.
- Have your Bizum account activated in the Santander app.
- Use your credit card3 each month or keep a balance of €1,000 in your account.
How to open your Online Account?
100% online process, no paperwork and ready in just a few steps
1
Complete your personal details
Fill in your contact and personal details. You can streamline the process by taking a photo of your National ID card, Foreigner's ID card or passport.
2
Identify yourself
You can do this online via video. To do so, we will ask you for access to your camera. Or if you prefer, you can always provide your ID documents at a branch.
3
Read and sign the contract
Read and sign the terms of your contracts using the signature code we will send to the mobile phone number you provided.
All about the Online Account
FAQs
What important information do I need to know about the Online Account?
- Pre-contractual information: which describes the operation of the account and its features. You will find the most important things highlighted in bold.
- Fee information document: contains the fees payable for the most common services associated with the account.
Who can open the Online Account?
The Santander Online Account is a non-interest-bearing current account (NIR 0%, AER 0%), with no maintenance fee and no conditions. An account exclusively for new customers! Individuals over the age of 18.
Can I apply for a credit card with the Online Account?
You can apply for a credit card3 with no issuance or maintenance fees. You can use your credit card to pay for purchases made abroad in a currency other than euros and be exempted from the commission for purchases in non-euro currency.
Become a customer
Become one of our millions of customers
4,8/5
Top ratings: 4,7 Google Play · 4,8 App Store
+30.000
ATMs worldwide
+3.000
Branches and agents in Spain
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Account for minors
An account for children and young people aged 0 to 18. Comes with a pre-paid card that you can top up whenever you need.
1. Offer valid until 30/10/2026 for customers aged 18 or over resident in Spain who set up eligible income payments (salary or pension of at least €800/month, or self-employed contributions) and who do not already have them paid into the Bank.
Base incentive for paying in eligible income:
€10/month for income of between 800€ y 1,499€.
€15/month for income of €1,500 or more
Additional monthly incentives:
For monthly income of between 800€ y 1.499€: 3 Bizum transfers or 1 credit card transaction: 10 €, 2 direct debits: 10€. Maximum total monthly incentive: up to €30/month.
For monthly income of 1.500€: 3 Bizum transfers or 1 credit card transaction: 10€, 2 direct debits: 10€. Maximum total monthly incentive: up to €35/month:
Monthly bonus variable and conditional on meeting the requirements in each period, nbonus non-cumulative and non-retroactive, running for a maximum of 24 months. No tie-ins. Amounts subject to withholding tax in accordance with current tax legislation. See full terms and conditions at bancosantander.es.
2. Leasing offered by Banco Santander. Monthly lease for the iPhone 17e 256 GB (without insurance): €20.99/month (including VAT). You will receive a net monthly cashback of € 20.99 (after applying the applicable tax withholding under current regulations; currently 19 %) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for an amount exceeding €1,200, or set up direct debits for your self-employment contributions or mutual fund payments; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. You will receive a net monthly cashback of €27.99 (after applying the applicable tax withholding under current regulations; currently 19%) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for at least €3,000; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. Under no circumstances will the cashback amount exceed the amount of the lease payment. All conditions must be met and you must sign up to the promotion. Promotion valid until 30/10/2026. Leasing and credit card issuance subject to prior approval by the Bank. View the terms and conditions of the promotion at www.bancosantander.es. At the end of the lease, you may return the device, take out a new lease, or purchase it outright for: €141.60 (including VAT) for the iPhone 17e 256 GB. Leasing offers valid in mainland Spain, the Balearic Islands and the Canary Islands; not valid in Ceuta or Melilla.
3. Transaction subject to prior approval by the bank.
4. 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.