This risk indicator refers to Santander Account

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.

Select

Account and cards

Because in your daily life you need an account and cards with exclusive benefits and access to a digital platform that gives you the freedom you seek.

Up to €840¹ if you have your salary paid directly into your account and meet conditions.
Santander Credit Card with no issuance or maintenance fees.
Send money anywhere in the world without paying any fees².

Hire

Account and cards for your day-to-day needs

Santander Account

A non-interest bearing account³ with no administration or maintenance fees and access to services and features that will help you keep your finances under control:

Transfers with no fees to any bank (not just Santander) in the United Kingdom, Poland and Portugal, except those associated with foreign currency exchange.
Make international transfers with a €0 issuance fee for individuals on the app and website. Currency exchange costs may apply.
Withdraw cash with debit cards with no fees at 30,000 Santander ATMs worldwide.

Earn up to €840¹ over two years, paid monthly

The €840 is made up of the amounts you receive each month over 24 months.

You can start earning simply by switching your salary to us. Here’s an example:

€15/month for paying in a salary of €1,500 or more × 24 months = €360

You can increase what you earn further by using your account day to day:

+€10/month for sending at least 3 Bizum payments × 24 months = €240
+€10/month for setting up two direct debits for bills × 24 months = €240

If you meet all these conditions, you’ll receive a total of €840 over two years.

Enjoy all the services offered by the account

Financial assistant to control the incomings and outgoings in all your accounts, cancel bills and subscriptions quickly and easily, and consult and offset your carbon footprint, plus benefits for your international experience.

What important information do I need to know about the Santander Account?

It is important that you consult and carefully review the following documents before opening the account:

Pre-contractual information: describes how the account works and its features. You will find the most important things highlighted in bold.
Fee information document: details the fees for the most common services associated with the account.
Legal bases of the Santander Select Programme.

Debit and credit cards

Santander Debit Card

€0 debit card issuance and maintenance fee.
Withdraw cash on debit with no fees at any Santander ATM around the world.

Santander Credit Card for Select customers⁴

€0 credit card issuance and maintenance fee.
€0 fee on purchases in non-euro currencies. To do this, select the local currency in the POS and the corresponding euro exchange rate will be applied.
You can choose from different payment methods for your credit card. The "Total Monthly Payment" option is the default method and means that you won't pay any interest (AER 0%).
Cash withdrawals at ATMs can be:
- On credit, against your card credit limit.
- On debit, charged to your current account. These cash withdrawals are free of charge at Santander ATMs in Spain.

Save and earn benefits

We’ll pay you back part of what you spend on your favourite brands in Santander Premia⁵.
The latest in technology. Financing tailored to your needs. Find what you want at Santander Boutique⁶.

Santander Iberia Club Plan

With the Santander Iberia Club Plan⁷ you will earn Avios⁸ by using Santander Credit Card, and with your salary and direct debits:

Using Santander Credit Card: 1 Avios for every €2 spent.
Salary paid into your account: 100 Avios/month.
Direct debit for bills: 100 Avios/month.

And, twice a year, enjoy Santander Days: the Avios you earn from purchasing Iberia tickets are doubled.

In addition, you will receive a 10% direct discount on Iberia flights.

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 and €1,499.  
€15/month for income of €1,500 or more.  
Additional monthly incentives:
For monthly income of between €800 and €1,500: 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 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.

2. €0 issuance fee for individuals via the App and website. Note that a currency exchange fee may apply.

3. Non-interest-bearing account. 0% NIR, 0% APR for a case in which a daily balance of €7000 is maintained constantly for 1 year, applying an annual nominal interest rate of 0% and a maintenance fee of €0. NIR 0%, APR -1.98% by meeting any of the conditions, for example under the option of maintaining a balance equal to or greater than €5,000 and less than €25,000 in mutual funds, at no additional cost. For the same case of balance, interest rate and card and a maintenance fee of €120/year (€10/month) for 1 year. NIR 0%, APR -3.93% if none of the conditions are met: example for the same case of balance, interest rate and card and a maintenance fee of €240/year (€20/month) for 1 year. The account is settled on a monthly basis.

4. Card eligibility subject to the Bank's prior approval. This card allows payment to be deferred (revolving). Bear in mind that if you choose a very low repayment instalment, your debt may remain outstanding for longer than expected since your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abuse of financial services entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.

5. Click here lto read the terms and conditions of use of Santander Premia. Excludes customers who only have an Online Account at the Bank. Exclusive programme for payment with credit cards issued and/or marketed by Banco Santander, SA. Abuse of financial services entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.

6. Check here to view the terms and conditions of use of Santander Boutique. For the purchase option, the seller is “Venta Directa y Promociones Financieras, S.L.”, with tax no. B82162363. This company is external to the Bank. The Bank only acts as an intermediary with a commercial interest in each sale made through Santander Boutique. All product information is provided by the seller under its sole liability.

7. The Plan fee will be €5 per month. The minimum term of the service is two (2) months from date of activation. To subscribe to the Santander Iberia Club Plan, the customer must have a credit card agreement in effect with the Bank (excluding the Santander Solred Business card) or a Santander Iberia Icon or Classic card agreement. Issuance of the card is subject to the Bank’s prior approval.

8. The Avios earned constitute earnings from investment income. The bank will make any mandatory withholdings in accordance with current legislation.