1 / 6

Este número es indicativo del riesgo del producto, siendo 1/6 indicativo de menor riesgo y 6/6 de mayor riesgo.

Banco Santander está adscrito al Fondo de Garantía de Depósitos de Entidades de Crédito. Para depósitos en dinero el importe máximo garantizado es de 100.000 euros por depositante en cada entidad de crédito.

Professors and researchers/administrative and service staff

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

Enjoy the account and cards you are entitled to for being a member of this group, to enable you to carry out all your daily activities with ease.

Without commission.
Debit card with no issuance and maintenance commission.
Credit card with deferred payment option.

Financial products for teaching staff and researchers and administrative and service staff

Discover what the groups account and their cards have in store for you.

Current account for professors, researchers and administration and services staff

A non-remunerated current account with NIR 0%, APR 0%¹, with no administration and maintenance commission.

This account is commission-free for domestic and EU transfers in euros, provided they are carried out via Internet, mobile banking or ATMs from Banco Santander. Does not apply to urgent and instant transfers.

Debit and credit cards

Manage your purchases and payments with Santander cards.

Santander Debit Card

EUR 0 debit card issuance and maintenance fee.
Debit cash withdrawals at Santander ATMs of the national territory at no cost.
Accident insurance² up to EUR 120,000.

Santander Credit Card³

EUR 0 credit card issuance and maintenance commission.
Deferred payment (revolving) NIR 18%, APR 19,56%⁴.
Accident insurance² up to EUR 120,000.
Cash withdrawals at ATMs can be:

More information on financial products for Professors, Researchers and Administration and Services Staff

Taking up products for Professors, Researchers and Administration and Services Staff requires accreditation that you belong to the group, and signature and acceptance of the "Mandatory Group Membership Document", which contains some of your data, such as mobile phone number and e-mail..

For further information on these products, and on the preferential financing offer and other benefits, available to you as a professional university teacher, go to any Santander branch.

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.