▷ Santander cuenta 123 pymes | Actualizado julio 2024

Santander account

The Cuenta 1|2|3 Pymes of Banco Santander is a version of the famous Cuenta 1|2|3, but aimed at the self-employed or SMEs. It offers all the advantages for customers to save as much as possible in their business, especially in relation to the payment of invoices (up to 3% bonus on bills).
There is less than a month to go before Santander’s new commercial plan, Santander One, comes into force. From that date, all the bank’s accounts will be integrated into a single one and will be governed by the same linkage policy. This will affect, among…
In the midst of a banking scenario where entities are seeking to obtain profitability from their customers, Santander has taken a decision related to its bank accounts that will entail a change in its commercial and loyalty policy. From 5…
The negative interest rate continues to affect the banking sector, which must meet the requirements of the European Central Bank (ECB). Against this backdrop, banks will focus on tightening conditions, including the detested co…

Santander open account

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Banco Santander’s 1, 2, 3 PYMES Account is a current account aimed at and adapted to SMEs and the Self-Employed that has two different rates that vary depending on whether or not a series of conditions are met.
Discount or collection management of commercial bills, bills of exchange, receipts, advance or collection management of credits on magnetic media, collection of direct debit bank bills, factoring assignments or advances as confirming payment providers.
Make monthly payroll payments to employees by means of transfers or remittances with “payroll” mode; or pay through the Bank, or have direct debit of contributions to the Social Security or Mutual Societies alternative to the Special Regime for Self-Employed Workers.

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Banco santander counts business

Santander changes its commercial strategy. The bank has decided to go for total customer loyalty and requires full customer loyalty in exchange for no commissions on the account. This linkage implies having a direct deposit of a salary or pension, as well as three bills, and a financing, savings or protection product (insurance), conditions which, if not met, would raise the cost of maintaining the account to 10 or 20 euros.
Some time later, it decided to bury the 123 brand and launch Santander One, which has three types of cards associated with it (credit, debit and revolving). This new account will be free for customers who have their salary or pension and three bills paid directly into their account, but also a savings product (investment fund, pension plan, savings insurance, etc.), a financing product (loan, mortgage or leasing) or a protection product (home, car, life, accident insurance, etc.).
In the case of customers in the self-employed, micro-enterprises and SMEs segment, who will no longer have access to the 123 Professional Account, Santander offers rates from zero to 30 euros per month depending on the linkage.

Santander companies

Santander is currently directing customers to its other products. The most similar to its star account is the Zero 1,2,3 Account, 100% digital and without maintenance fees as long as the customer meets one of two assumptions: direct debit income and three bills or makes at least six purchases with debit or credit cards; or maintains an average monthly balance in current and savings accounts, fixed-term deposits, structured financial products, structured notes, investment funds, individual pension plans and savings and investment insurance of at least 60. 60,000 euros, a minimum balance of 20,000 euros in funds, individual pension plans, savings and investment insurance, unit linked and insured pension plans, and at least 1,000 shares in the bank.