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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.

This risk indicator refers to Santander Account

Z7_3OKIGJ82O04G80651ANTGNL8A0

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.

1. Cashback of €400 gross for new salary or pension payments of at least €2,500/month deposited directly in your account, plus the payment of two direct debits per month from the same account. For salaries between €600/month and €2,500/month, the gross cashback is €300. Minimum term of 24 months. You need to meet the terms and conditions of the promotion and sign up for the campaign using the form for customers. The promotional cashback bonus is income from capital subject to the relevant tax at the prevailing rate (currently 19%). The Bank will withhold this amount and pay you the remainder (€324 and €243, respectively). Promotion valid until September, 30 2025. Read the promotion terms and conditions here.
2. 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.
3. This contract has been drawn up through Santander Intermediación Correduría de Seguros, S.A., as per the terms and conditions of the agreement entered on the Special Register of Insurance Brokers under code J-898. Third-party liability and financial capacity covered in accordance with applicable law.
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. Credit amount of up to €1,000. Read the T&Cs of the promotion at www.bancosantander.es/en/sorteos-promociones. Promotion valid until 17/02/2026.
6. 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.
7. 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.
8. The plan will be free of charge for the first 6 months following subscription. From month 7, the cost of the plan will be €4/month. The minimum commitment for the service is 2 months from the date of subscription. Promotion valid until 31/12/2025. Read the T&Cs of the promotion here. To join the Santander Iberia Plus Select Plan, customers must already have a credit card issued by the Bank (with the exception of the Solred Business Santander card), or have signed a Santander Iberia Icon or Classic card contract. Card eligibility subject to the Bank's prior approval.
9. The Avios earned constitute earnings from investment income. The bank will make any mandatory withholdings in accordance with current legislation.

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Account and cards for your day-to-day needs

SANTANDER ACCOUNT

A non-interest bearing account² with no administration or maintenance fees and access to services and features that will help you keep your finances under control. The account is also exempt from fees for transfers in euros in Spain and the EU (except for urgent transfers) made online or at ATMs.

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:

Withdraw cash with debit cards with no fees at 30,000 Santander ATMs worldwide.
Use your credit card to pay for your purchases abroad in any non-euro currency, and you will not be charged a currency exchange fee.
Transfers with no fees to any bank (not just Santander) in the United Kingdom, Poland and Portugal, except those associated with foreign currency exchange.

Receive up to €400 for bringing your salary and two monthly bills to us¹

Have your salary of more than €600 paid into your account and set up direct debits for two monthly bills to earn €300. Sign up for the promotion online or in a branch to benefit from this.

If your salary is over €2,500, you get €400. You will receive the €400 in two payments: €300 when your first month’s salary is paid in, and €100 when the second month’s salary is received, provided both exceed €2,500.

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.

CREDIT AND DEBIT 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.
Accident insurance³ up to €120,000.

Santander credit card for Select customers⁴

€0 credit card issuance and maintenance fee.
€0 fee on purchases in non-euro currencies.
If you can’t afford an expense right now, you can split the payment of any purchase up to €1,000, into 3 months without interest or fees (AER 0%)⁵ until 17/02/2026. Do it through the app!
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%).
Accident insurance³ up to €120,000.
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 Premia⁶.
The latest in technology. Financing tailored to your needs. Find what you want at Santander Boutique⁷.

SANTANDER IBERIA PLUS PREMIUM PLAN

With the Santander Iberia Plus Premium⁸ Plan you will earn Avios⁹ by using your credit card, and with your salary and direct debits:

Using your 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.

Start now

With the Santander account you can enjoy exclusive services and products.

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