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Banco Santander
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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 current accounts

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Choose the current account suitable for the day-to-day needs of your business

FOR FREELANCERS

Online Account

Perfect for you if you're looking for a current account without any fees or conditions, which you can open in just a few clicks.

  • No maintenance fees, no conditions. Non-interest bearing account (0% NIR, 0% AER).
  • You will not pay anything for your debit card, Bizum and transfers in euros online and at ATMs, unless they are urgent or instant.
  • Debit card withdrawals at no cost at any of Santander's 30,000 ATMs worldwide.
  • Sign up for it online – all you have to do is fill in your details, verify your identity and sign the agreement.




Find out more

OPEN AN ACCOUNT

FOR BUSINESSES

Negocios Account

This account is ideal for your business if you are looking for a non-interest bearing account (0% NIR, AER 0%) with zero maintenance fees.

  • This is an account for legal entities.
  • Your annual turnover or that of the group of companies to which you belong must be less than 2 million euros.
  • You will get the Santander One Empresas Debit Card without any issuance or maintenance fees.
  • Pay no fees for online transfers in euros or cash withdrawals at ATMs, excluding urgent and instant transactions.
  • You can arrange it at any Santander branch.



Find out more

ARRANGE APPOINTMENT

One Empresas Account

Perfect for you if you have a shop or business that makes it easier for you to meet the conditions required to avoid paying fees, and if you are interested in arranging additional services.

  • €0 account maintenance fee1 if you have regular payables and receivables AND arrange products, such as a POS, etc.
  • No issuance or maintenance fee for debit and credit cards.
  • No fees for transfers in euros online and at ATMs, unless they are urgent or instant.


Now with no maintenance fees in the first 12 months for new customers.

Conditions starting at 12 months

OPEN AN ACCOUNT
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Personas Jurídicas Acccount

An account with no requirements or conditions for your company2.

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Cash flow management: discover how to invest your excess cash

LIQUIDITY AND FLEXIBILITY

Investment Funds

An investment option that offers liquidity, flexibility and diversification.

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DIVERSITY OF ALTERNATIVES

Stock Exchanges and Markets

Discover the wide range of value products.

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Always Connected

If you also think that people come first and then everything else, and that being digital is not an end but rather a means, then we are connected. At any time. However you like. Wherever you want.

Find out the account for your company

Hire online and solve the day-to-day running of your company in an intuitive, simple and agile way.

Become a customer

Manage your company wherever and whenever you want

  Information. Check the continuously up-dated positions and access the supporting documents for each movement.

  Flexible. Assign different access profiles with different roles.

  Convenient. Leave operations pending signature and resume them whenever you want.

  Query. Check your correspondence using the Online Banking mailbox.

Advantages for you and your business

Use an advanced search engine to find public grants available for your business and help your company grow abroad with the solutions offered by Santander Trade.

Why switch to Online Banking?

Every day you face new challenges in the management of your company: be more effective, increase profitability, attract customers ... We know it’s not easy, which is why we want to make your company's day-to-day easier with Online Banking.

All about Online Banking

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From wherever you want

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Digital Banking

You can make remittances and many more operations online. Discover apps and online banking for companies.

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Personal Santander

A digital manager will help you resolve your operations with quick and effective solutions for your finances.

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Branches and ATMs

You will have access to an extensive network of Santander ATMs, with more than 30,000 worldwide!

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Useful information:
1. Non-interest bearing account NIR 0%, AER 0% during the first year for new customers or inactive customers. Otherwise, the corresponding terms and conditions will apply. AER -1.49% provided all conditions are met (payables and receivables and arranging and using a POS terminal) and on the assumption that a daily balance of €4,000 is held for one year, subject to an annual nominal interest rate of 0%, an account maintenance fee of €0 and a POS terminal cost of €60/year (€5/month). Note also that for natural persons (individuals) the Santander One Empresas debit card comes with a card issuance and maintenance fee of €0. AER -4.41% based on the same assumption regarding balance, interest rate and card and subject to an account maintenance fee of €180/year (€15/month), and assuming that terms and conditions regarding payables and receivables are met. AER -8.64%, if terms and conditions are not met, based on the same assumption regarding balance, interest rate and card and subject to an account maintenance fee of €360/year (€30/month). Account settlement occurs on a monthly basis.
2. Non-interest bearing account. Nominal interest rate: 0%. AER -0,29% for a continuous daily balance of €125,000 for a year, applying an annual nominal interest rate of 0% with an account maintenance fee of €360/year (€90/quarter).

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