Santander Cards

Debit and credit cards so you can pay for your purchases comfortably and safely. Know all its advantages and take advantage of them.

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Santander Credit Card

Everything you need in just one card

With your Santander Credit Card¹, as well as paying for your purchases on credit, you can also withdraw cash on debit, without fees, from more than 7,000 Santander ATMs in Spain.

Learn about everything it has to offer:

Make cash withdrawals on credit, as well as the new option of debiting directly from your account for the main holder. No fees if you make a debit withdrawal from any of the more than 7,000 Santander ATMs in Spain.
No issuance or maintenance fee. If you only have an Online Account, you can enjoy the credit card without issuance and maintenance fee in virtual format, to obtain a physical copy you must pay the fee for issuing duplicate card in physical format of € 9.
Accident insurance for up to €120,000².
With access to the Santander Premia³ where you will find unique offers awaiting you.

With your Santander Credit Card, everything is easy:

Flexible payment: You can pay your monthly card bill however you want:

Full payment each month: you can pay at the end of the month without any interest. The card is issued with this method of payment, with the option of changing it whenever you wish.
Percentage payment (revolving) : you can choose a payment amount that will be calculated by applying a percentage to the balance drawn down. It must be at least 3% of the balance drawn down, with a minimum of €25. (NIR 18% APR 19,56%)⁴.
Fixed payment amount (revolving) : you can also choose this. It must be at least 3% of the balance drawn down, with a minimum of € 25 and multiples of this amount, and a maximum of € 600. (NIR 18% APR 19,56%)⁴.

With Defer card bill you can choose how much to pay on your monthly bill (from 3%, minimum €25) and defer the rest to the next month. NIR: 18% APR 19,56%⁴.
If you need to have more money in your account, Instant Cash lets you immediately transfer €300 or more from your card to your account. Fee 3% minimum €3.
With Instalment Purchase you can divide the payment of purchases into 3 instalments without changing your payment method. You can purchase goods up to €1,000 and pay for them in 3 manageable instalments, with the following charges, depending on the amount:

Amount greater than / up to	0 € 200 €	200 € 300 €	300 € 500 €	500 € 1000 €
Fee	2 € (APR: 6,22%)⁵	5 € (APR: 10,63%)⁵	7 € (APR: 8,84%)⁵	12 € (APR: 7,52%)⁵

Amount greater than / up to

0 €
200 €

200 €
300 €

300 €
500 €

500 €
1000 €

Fee

2 €
(APR: 6,22%)⁵

5 €
(APR: 10,63%)⁵

7 €
(APR: 8,84%)⁵

12 €
(APR: 7,52%)⁵

And if you want to divide a purchase into instalments of your choice, you can pay for your purchases over a period of up to 36 months at 18% NIR (TAE: 19,56%)⁵.

Instalment plans5: with your credit card, you can set up instalment plans for the transactions shown in the section “Instalment Plans” in your Santander App or on Online Banking: purchases with your debit card, bills, transfers, Bizum, etc., from €100, in as many instalments as you choose (maximum of 36) and with a minimum instalment amount of €18.

CONTRACT CREDIT CARD

1. 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: your monthly instalment is first used to pay
interest and fees and then to repay your principal. Remember to use your credit card in a responsible manner. Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.
2. This contract has been arranged by Santander Intermediación Correduría de Seguros, S.A. in accordance with the conditions of the policy. Registered in the Special Registry of Insurance Brokers, with code J-989. Civil Liability and Financial Capacity covered by current legislation.
3. See the terms and conditions of Santander Premia here.
4. Representative example, as per the parameters set forth in the standard on regulation and control of advertising of banking services and products: NIR 18%. APR: 19.56%, calculated based on a drawdown of €1,500 and an issuance and maintenance fee of €0. Total amount repayable €2,114.88, to be repaid in 48 monthly instalments of €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 €25) and considering the same drawdown, the total amount repayable will be €1,835.19 to be repaid in 27 monthly instalments of €67.97. Calculations made in accordance with the fixed-instalment repayment system.
5. Amount up to €200, over three months: Fee of €2. APR: 6.22%, calculated based on a drawn down amount of €200. Total amount payable €202 to be returned in 3 monthly instalments of €66.67 and a one-off charge of €2. Amount over €200 and up to €300, over three months: Fee of €5. APR: 10.63%, calculated based on a drawn down amount of €300. Total amount payable €305 to be returned in 3 monthly instalments of €100 and a one-off charge of €5. Amount over €300 and up to €500, over three months: Fee of €7. APR: 8.84%, calculated based on a drawn down amount of €500. Total amount payable €507 to be returned in 3 monthly instalments of €166.67 and a one-off charge of €7. Amount over €500 and up to €1,000, over three months: Fee of €12. APR: 7.52%, calculated based on a drawn down amount of €1,000. Total amount payable €1,012 to be returned in 3 monthly instalments of €333.33 and a one-off charge of €12. Amounts over €1,000 or to pay any amount over a period of 3 months up to 36 months: NIR 18%. APR: 19.56%, calculated on the basis of a drawn down amount of €1,500. Total amount owed €1,650.24, to be returned in 12 monthly instalments of €137.52. Calculations in accordance with the amortisation system of regular instalments. In addition, the fees, if any, associated with the transactions carried out will also be charged.

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Santander Debit Card

The simple card that makes your shopping easier

You will be able to see all your purchases displayed in your account immediately. Also, no matter where you are, you can withdraw cash on debit, without any fees, from any of the Santander ATMs.

Learn about everything it has to offer: