Banco Santander review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Banco Santander is a straightforward bank card for readers who pay in euros and want everyday spending handled from an account they already hold. The monthly fee is €0 and the card is debit, so spending comes straight out of the account balance.
Key facts
- Best for
- Everyday euro spending from a bank account, with a monthly fee of €0.
- Monthly fee
- €0↗
- Card type
- Debit↗
- Official website
- bancosantander.es
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- The monthly fee is €0, set against £0 at Monzo Flex, £0 at Wise and $0 at the BMW Card von American Express.
- As a debit card, spending is funded by the balance already in the account, so there is no revolving balance to manage.
Cons
- The card is debit, so it carries no credit line to build a history on and no grace period on purchases.
- Non-euro spending is where costs can appear: currency conversion fees across the site run 0% to 10.5%, with a median of 1%.
Who it suits
- Readers holding a euro account who want a debit bank card for ordinary spending.
- People who put the monthly cost first and need little beyond a bank card.
- Customers already banking with the group who keep day to day spending in euros.
Who should look elsewhere
- Anyone who wants the fee quoted in pounds: Monzo Flex lists £0 and Wise lists £0.
- Readers whose spending is priced in dollars: the BMW Card von American Express lists $0.
How Banco Santander compares
Frequently asked questions
How much does the Banco Santander card cost each month?+
The monthly fee is €0 on the account that carries the card, listed in euros. The other free options on the list are quoted in their own currencies: £0 at Monzo Flex, £0 at Wise and $0 at the BMW Card von American Express.
Is this a debit or a credit card?+
It is a debit card, so purchases are paid from the balance in the linked account rather than on a credit line. Nothing is owed at month end, and spending stops when the account balance does, which ties the cost of the card to a €0 monthly fee.
Where does it rank on monthly fee?+
On monthly fee it ranks 1 of 379 brands compared on HodlCue, and its overall score is 6. With a fee of €0 it sits level with the other free cards, so the ranking cannot separate them on cost.
What does it cost to spend in another currency?+
The account is priced in euros, so spending outside the euro turns on the conversion rate the bank applies. Across the site, currency conversion fees run 0% to 10.5% with a median of 1%, and the free monthly fee of €0 does not change that.
Who is this card for?+
It suits readers who already hold a euro account and want a debit card for everyday payments, with a monthly fee of €0. Anyone who would rather see the same free line quoted in pounds can compare Monzo Flex at £0 and Wise at £0.
How does the fee sit against the crypto card ranking?+
The crypto card ranking has a median monthly fee of €0, so a €0 fee sits with the cheapest group there. The spread in that ranking comes from currency conversion, which runs 0% to 10.5%.
Sources
- bancosantander.es/particulares/cuentas-bancarias/cuenta-o... checked September 26, 2026
Backs: Monthly fee
“Cuenta Online sin comisiones”
- bancosantander.es/particulares/tarjetas/debito checked September 26, 2026
Backs: Card type
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Banco Santander
Everyday euro spending from a bank account, with a monthly fee of €0.