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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.

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Santander Online Joint Account

No fees, no terms and conditions. Open an account in just a few steps and join all our other customers who are already taking advantage of the benefits we offer.

OPEN AN ACCOUNT

SANTANDER DEBIT CARD

no issuance or maintenance fee

FOR SERVICES THAT MAKE YOUR DAY-TO-DAY EASIER

international experience, financial assistant and more

FROM COMMISSION TO WITHDRAW CASH

in 30,000 Santander ATMs worldwide

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Account for two holders

The Santander Online Joint Account is an unpaid current account¹, with no maintenance fee (NIR 0%, APR 0%) or conditions. It will allow you and another holder to carry out transactions without needing each other's signature . An account available exclusively to our new customers that you will be able to enjoy with your partner or with whomever you choose!

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Debit card with accident insurance

There are no issuance or maintenance fees for the debit card and it includes accident insurance of up to €120,000².

Available for various account holders

All holders must have the same tax residence and be over 18 years of age.

Send money with no commission

Use Bizum or euro transfers via Online Banking, the Santander App or an ATM, except for urgent transfers.

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Get up to € 400 for bringing your salary or pension and two monthly receipts*

Open an Online Account and direct debit your salary or pension and two monthly receipts.
If your salary or pension is more than € 600, you will get € 300. While if it is of at least € 2,500, you will take € 400.
The last step to get your bonus is to sign up for the promotion here.

The payment of the €300 is made when the first paycheck is entered. While the payment of the €400 is made in two tranches: first €300 when the first salary comes in and €100 when the second month's salary comes in, if both are at least €2,500.

The €400 bonus is made per account. That is, one of the holders meets the requirements is enough to achieve it. On the other hand, if more than one account holder meets the requirements, only one bonus per account will continue to be earned.

Open your Online Joint Account in a few minutes without visiting a branch

Complete your details
Fill in the details of the holders of the account.
Identify yourself by videocall
No need to visit a branch, all you need is a camera and your identity card.
Read and accept the account opening conditions
We'll make signing easy, so you don't have to move.

What important information do I need to know about the Account?

Before signing up for the account, it is important that you carefully consult and review these documents:

Pre-contractual information: which describes how the account works and its characteristics. You'll find the most important things highlighted in bold.
Fees information document: includes the fees to be paid for the most common services associated with the account.

More benefits of your Online Account that you can manage from the Santander App

FINANCIAL ASSISTANT

Have all the accounts from your different banks in a single app, without the need for third party apps.
View your income and expenses by period or category.
Receive messages with ideas for organising your finances.

INTERNATIONAL EXPERIENCE

Make purchases with your credit card in a currency other than the euro and you will not have a currency exchange fee.
Withdraw cash with no fee from any of the 30,000 Santander ATMs worldwide, including more than 7,000 in Spain.
Make transfers with no fees to any entity (even outside Santander) in the UK, Poland and Portugal, with the exception of the foreign exchange fee.

RECEIPTS AND SUBSCRIPTIONS

You'll be able to easily identify your card subscriptions and receipts so you have control of all your recurring payments.
In addition, you will have the possibility to cancel the subscriptions that you no longer need in a more agile way.

CARBON FOOTPRINT

Discover your carbon footprint and receive eco-friendly tips on how to reduce it.
Offset your carbon footprint with projects that benefit the environment.

OPEN AN ACCOUNT

Do you already have an account?

Here we tell you how to check your account balance.

Retrieve your application

If you have already started applying for your Online Account, complete it in a few simple steps.

RETRIEVE

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We would love to know your opinion to improve

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Santander Online Joint Account

€0 maintenance fee.

International experience, financial assistant and more.

Exclusively for new customers.

OPEN AN ACCOUNT

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Make the most of your Santander Cards to pay for your purchases by credit or debit, defer payments or withdraw cash from ATMs.

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How can I check my account balance?

Difference between credit and debit card

FAQs

Difference between credit and debit cards

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How can you take up to €400?

Hire the account, bring your salary or pension and two monthly receipts and sign up for the promotion. With these three steps you will get your €400*.

HIRE