Banco Santander review

The account carries a monthly fee of €0, so the day to day cost of keeping it open is nothing. That puts Banco Santander at 1 on that measure among 419 brands rated, and the site median is €0. The annual fee picture across the market is similar, with a median of €0.

Both sit with the same bank. The everyday account runs a card of debit type, while the credit card on the same banking relationship is a card of credit type. The credit side means borrowing, so the site median annual rate of 20.97% is the figure to weigh if you would carry a balance.

The listed costs for this account run to a monthly fee of €0, so a currency conversion fee is not among them. The site median conversion fee is 1%, with a spread from 0% to 10.5% across the brands rated. Anyone spending abroad would be paying at the wider market rate.

Free ATM withdrawals are not among the listed costs for this account, which cover a monthly fee of €0. Across the brands rated the site median free allowance is €0, with a high of €2,000. Check the cash terms before you rely on withdrawals.

It suits people who bank in euros and want a straightforward account rather than a specialist app. Debit is the card type most common on the site, at 74.3% of the brands rated, so a plain debit account is the mainstream choice. People who travel and expect travel features make up 51.4% of the field.

Deposits sit with the bank rather than with a partner platform, and the site splits brands between custodial and self custody, with 75.6% on the custodial side. Neither a regulator nor a protection scheme appears in the licensing listed for this brand, so ask the bank directly what covers the balance and up to what limit.

Across the brands rated, a help centre is the most common support channel at 75.6%, with phone at 67.3% and email at 58.1%. A community forum is the least common at 5.4%. Confirm the opening hours and languages before you rely on it for a blocked card abroad.