Offer for university lecturers and staff

More than 165 million people already trust Banco Santander as their bank

We are one of the world’s largest and most respected financial institutions.

1. 0% AER, on the assumption that a minimum daily balance of €7000 is held continuously for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of €0.

2. Financing transactions subject to the Bank’s prior approval. Pursuant to prevailing EU legislation, your branch has the European Standardised Information Sheet on loans. More information at bancosantander.es.

3. It is important to consider the risks inherent to the financial instruments in which investments are made at any given time through the portfolio management service. Financial instruments carry certain risks (market, credit, liquidity, currency, interest rate, sustainability, etc.), meaning there is a risk of losing part or even all of your investment. These risks are detailed in the product’s legal documentation.

Before making an investment decision, you should consult the information contained in the legal documentation for the financial instrument (in the case of collective investment undertakings (CIUs), the Prospectus and the Key Information Document (KID)), available from the relevant supervisory authority, from the market where the instrument may be admitted to trading (where applicable), and on the website of the issuing or management entity. The decision to invest in a financial instrument should be taken having regard to all the characteristics or objectives of the instrument as described in its legal documentation. In the case of CIUs, the investment being promoted relates to the acquisition of units in an investment fund, and not to a specific underlying asset.

The portfolio management service is provided on the basis of the outcome of the customer’s suitability assessment. To provide the service, a valid suitability assessment must be in place. The portfolio’s risk profile must be consistent with the risk level resulting from the customer’s suitability assessment.

This communication constitutes advertising and its purpose is commercial. © BANCO SANTANDER, S.A. All rights reserved Registered office: Paseo de Pereda, 9-12. SANTANDER. Tax ID no. A-39000013.  

4. Management Company: Santander Pensiones, S.A. EGFP; Depository Institution: Caceis Bank Spain, S.A.; Promoter: Banco Santander, S.A. The KIID (Key Investor Information Document), as well as all the detailed information on Sustainability, is available for you to see at www.santanderassetmanagement.es. Pension plans are products that depend on fluctuations in market prices and other variables. Accordingly, they do not guarantee any return.