Accounts and Cards for Professors, Researchers and Administration and Services Staff

1.  NIR 0%, APR 0% on the assumption that a daily balance of EUR 7,000 is held constantly for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of EUR 0.
2. Insurance brokered by Santander Seguros y Reaseguros, Compañía Aseguradora, S.A. Insurance brokered by Santander Intermediación, Correduría de Seguros, S.A., company listed in the Special Register of the Directorate-General for Insurance and Pension Funds under no. J-989 and with signed financial capacity and third-party liability insurance pursuant to current legislation.
3. Card eligibility subject to the bank's prior approval. This card allows payment to be deferred. Bear in mind that if you choose too low a repayment, your debt may remain outstanding longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.
4. Representative example (as per the parameters demanded by the rules on regulation and control of advertising of banking services and products): NIR 18%. APR: 19.56%, calculated based on a drawdown of EUR 1,500 and an issuance and maintenance fee of EUR 0. Total amount owing, EUR 2,114.88, which will be repaid in 48 monthly instalments of EUR 44.06. However, please note that, pursuant to the minimum limits for the repayment instalments provided for in the agreement (3% of the drawn balance with a minimum of EUR 25) and considering the same drawdown, the total amount repayable will be EUR 1,835.19, to be repaid in 27 monthly instalments of EUR 67.97. Calculations made in accordance with the fixed-instalment repayment system.