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EnglishThis risk indicator refers to current accounts.
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.
PROMOTIONS
Open our Online Account with no fees or requirements
You’ll have access to promotions and benefits simply by becoming a customer.
If you’re already a customer, refer your friends and earn up to €8004.
Become a customer and make the most of these promotions
iPhone 18 Pro for €0€/month1
Follow these steps:
- Open your Online Account.
- Sign up for this offer.
- Apply for a 36-month iPhone 18 Pro lease.
Terms:
- Pay in your salary of at least €2,000.
- Set up two monthly direct debits.
- Link Bizum to your account.
- Use your credit card6 every month or keep a balance of €3,000 in your account.
Up to € 8402 over two years
Follow these steps:
- Open your Online Account.
- Sign up for this offer.
- Pay in your salary or pension.
Done! No hassles. No penalties. No minimum term.
Terms:
- Pay in your salary or pension of at least €800 and you’ll receive €15/month. You have to pay in your salary to start earning.
- Send at least 3 Bizum payments per month to earn an extra €10/month.
- Set up direct debits for at least 2 bills per month to earn €10/month more.
Are you bringing a +1? Receive up to €8004
Simply by inviting friends to open an account using your personalised code, subject to applicable terms.
Why choose the Online Account?
Online Account, no fees and no conditions7
- An account with no requirements: no salary, no direct debits, no tie-ins.
- Debit card with no issuance or maintenance fees.
- Bizum and online euro transfers with no fees.
- Debit card cash withdrawals at 30,000 Santander ATMs around the world, with no fees.
- Available to multiple account holders and also to non-residents with passport.
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
Questions and answers
The Santander Online Account is a non-interest-bearing current account (nominal rate 0%, AER 0%), with no maintenance fee and no conditions. Individuals aged 18 or over.
You can apply for acredit card6 with no issuance or maintenance fee. You can use your credit card to make purchases in non-euro currencies without paying any foreign currency transaction fees.
Yes. If you are not a tax resident in Spain, you can open an Online Account using your passport.
Important information about the Online Account
Before opening the account, you should carefully read the following documents:
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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.
Accounts for young people
Online and Santander accounts7 have no fees for people over 18 years of age.
Transparency without the small print
At Banco Santander, we want you to make decisions with all the information at hand and no nasty surprises. That’s why we explain the conditions of your promotions clearly and simply, avoiding the dreaded fine print. Here, transparency comes first.
1. Renting offered by Banco Santander. Monthly rental payment for the iPhone 18 Pro 256 GB without Insurance: €36.99/month (VAT included).
A net monthly bonus of €36.99 (after applying withholding tax in accordance with current tax regulations, currently 19%) will be paid to individuals who take out a 36-month technology rental agreement for an iPhone 18 Pro 256 GB and who (1) arrange for their salary or pension of €2,000 or more and less than €3,000 to be paid into a Banco Santander account for the first time; (2) continue to have it paid into the account, together with two monthly direct debits; (3) make at least one credit card transaction per month or maintain an account balance of €3,000 or more every day of the month; and (4) have Bizum active with Banco Santander.
Notwithstanding the above, the bonus received will not exceed the rental payment under the rental agreement taken out by the customer.
Customers must meet all the conditions and sign up for the promotion. Promotion valid until 31 January 2027. Rental agreements and credit card applications are subject to prior approval by the Bank. View the terms and conditions of the promotion at www.bancosantander.es. At the end of your rental agreement, you can return the device, take out a new rental agreement or keep it by purchasing it for €440.44 (VAT included) for the iPhone 18 Pro 256 GB. The rental offer is valid in mainland Spain, the Balearic Islands and the Canary Islands. It is not valid in Ceuta or Melilla.
2. 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 contribution payments) 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 and €1,499.
€15/month for income of €1,500 or more.
Additional monthly incentives:
For income of between €800 and €1,499: 3 Bizum transfers or 1 credit card transaction: €10; 2 direct debits: €10. Maximum total monthly incentive: up to €30/month.
For income of €1,500 or more: 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; bonus 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.
3. Incentive consisting of a €75 coupon, after deduction of the applicable withholding tax, redeemable through Santander Boutique for Beats Solo Buds – Transparent Red or another device of equal or greater value. Promotion valid from 29/06/2026 to 30/12/2026 for individual customers resident in Spain aged between 18 and 29 who sign up for the promotion, hold a current account with the Bank, activate Bizum with Banco Santander and keep it active for 12 months. Not valid in conjunction with other Bank promotions, except the "Hacemos crecer tu Beca" campaign. Coupon not redeemable for cash and subject to availability. View the terms and conditions of the promotion here.
4. €80 gross, €64.80 net for each new customer, up to a maximum of 10 customers; maximum amount of €800 gross, €648 net. Participants must sign up for the Campaign at a branch or online and a document will be sent to your Participant’s Contracts Inbox for viewing at any time. The promotion is open to individuals residing in Spain for tax purposes. Maximum of 10 codes. Promotion valid until 22 December 2026. Click here to view the terms and conditions of the promotion.
5. The purchases of devices through Santander Boutique is exclusively available to Banco Santander customers. The seller is "Banco Santander New Business, S.A."
6. Issuance of the card is subject to prior approval by the Bank. This card allows you to pay in instalments (revolving credit). Bear in mind that, if you choose a monthly instalment that is too low, your debt may last longer than expected, as the monthly payment will be applied first to interest and fees, and a smaller portion to repaying the principal. Remember to use your credit card responsibly. Overreliance on credit carries a risk of over-indebtedness with long-term consequences that could affect your financial planning.
7. Online Account: non-interest-bearing account (nominal interest rate 0%, AER 0%). Santander Account: non-interest-bearing account (nominal interest rate 0%, AER 0%) for customers aged between 18 and 28.