1. Non-interest bearing account. 0% NIR, 0% APR upon meeting any of the conditions for full exemption, e.g. under the transaction-based option (salary and bills/cards). On the assumption that a daily balance of €6,000 is held uninterruptedly for one (1) year, with an annual nominal interest rate of 0% and with an account maintenance fee of €0. 0% NIR, -1,98% APR if one or more of the conditions are met, such as under the option of maintaining a balance of €5,000 or more but less than €25,000 in mutual funds, at no additional cost. For the same balance, interest rate and card assumptions, and a maintenance fee of €120/year (€10/month) for one (1) year. 0% NIR, -3,93% APR if none of the conditions are met: example for the same balance, interest rate and card assumptions and a maintenance fee of €240/year (€20/month) for one (1) year. Accounts are settled monthly.

2. Card eligibility subject to the bank's prior approval. This card allows payment to be deferred (revolving). Bear in mind that if you choose a very low repayment instalment, your debt may remain outstanding for longer than expected since your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abuse of financial services entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.

3. View the terms and conditions for Santander Premia here - (PDF 143.44 KB).

4. Only Banco Santander customers can acquire devices through Santander Boutique. They can be leased or purchased outright.

5. The Plan costs €2 per month. The service has a minimum term of two (2) months. The plan will be free of charge for the first 6 months following subscription. From month 7, the price of the plan will be €4/month. The minimum duration of the service is 2 months from the date of subscription. Promotion valid until 31/12/2025. See promotion T&Cs at www.bancosantander.es/en/sorteos-promociones

6. Financial instruments involve certain risks (market, credit, liquidity, currency, interest rate, sustainability, etc.), and you may lose all or part of your investment. The risks are listed in the product's legal documentation.

Before making any investment decision, you should read the information in the financial instrument's legal documentation. In the case of a collective investment undertaking (CIU), this refers to the Prospectus and the Key Information Document (KID), both of which are available from the supervisory body, from the market where the instrument may be admitted for trading, and on the website of the issuer or the management company. The decision to invest in a financial instrument must be taken in due consideration of all the characteristics and objectives of the financial instrument, as described in its legal documentation. Past performance is not a reliable indicator of future results, and if the financial instrument is denominated in currencies other than the euro, its performance may go up or down as a result of currency fluctuations.

This is an advertising communication intended for commercial purposes. It is not contractual information or information that is legally required. It should not be treated as an investment recommendation or advice of any kind, and it is not sufficient in itself as the basis for making an investment decision.

7. Santander Private Banking Portfolio range: Santander Pb Moderate Portfolio, FI (CNMV registration number: 4284. ISIN: ES0113444006); Santander Pb Balanced Portfolio, FI (CNMV registration number: 637. ISIN: ES0115242036); Santander Pb Aggressive Portfolio, FI (CNMV registration number: 154. ISIN: ES0166333031); Santander Pb Gestión Dinamica Decidido, FI (CNMV registration number: 4286. ISIN: ES0113981007); Santander Pb Strategic Bond (CNMV registration number: 5256. ISIN: ES0174980005); Mi Cartera Rv USA Advised By (CNMV registration number: 5774. ISIN: ES0162370003); Mi Cartera Rv Asia Desarrollado Advised By (CNMV registration number: 5771. ISIN: ES0162369005).

8. Santander Go range: Santander Go Short Duration Dollar (ISIN LU0067474261); Santander Go Global High Yield (ISIN LU2360100155); Santander Go Dynamic Bond (ISIN LU2004895350); Santander Go Asian Equity (ISIN LU2609543181); Santander Go Global Equity ESG (ISIN LU2004894890); Santander Go North American Equity (ISIN LU0082925743).

9. Financing subject to prior approval by the bank.

10. Transactions subject to prior approval by the Bank.

11. Insurance policies brokered by Santander Mediation Operator of Banca-Seguros Vinculado, S.A. (“Santander Mediación”), through its distribution network with Banco Santander, S.A., under the agency agreement it has signed with the following insurance companies: Santander Seguros y Reaseguros Compañía Aseguradora, S.A., Aegon España S.A.U. de Seguros y Reaseguros; Santander Vida Seguros y Reaseguros, S.A.; Santander Vida Seguros y Reaseguros, S.A., Santander Generales Seguros y Reaseguros, S.A. and Santander Mapfre Seguros y Reaseguros, S.A. Santander Mediación is a company registered with the Directorate General of Insurance and Pension Funds, with no. OV-0042. It has taken out a third-party liability and financial capacity insurance policy in accordance with prevailing legislation. See the other insurance companies with which Santander Mediación has an agency contract for distribution of insurance products at www.santandermediacionobsv.com.

12. Service provided by Vivofácil SA, with registered office at calle Miguel Yuste 23, 28037 and tax no. A-82277963. Some services include a free 5-hour shared pool per year, as specified in their description. Once this pool is exhausted, these services will be provided for a fee. Further details available from Vivofácil. Other services are offered without a usage limit and at no additional cost.

13. Subject to taxation in accordance with current legal regulations.