virtual credit card

Virtual Credit Card

virtual credit card

Your free & eco-friendly online credit card. Get it on the spot!

Apply for your card

Fee-free and on the spot on the website and app

Free issuance and renewal!1

Secure online and in-store purchases

3D Secure Code System. Free payment confirmation alerts by SMS.

Flexible repayment options

Choose how you want to settle your charges: lump sum payment 0% APR1, or fixed or variable instalments, 18% annual NIR, 19.56% APR2.

Finance payments and purchases in just 2 clicks

Zero-interest financing (0% APR)2 over 1 month for your purchases and payments of at least €30. Or, if you prefer, you can pay in instalments, over 2 to 36 months (annual NIR: 14.00%; APR: 14.93%)3.

Virtual & instant

  • Available on your mobile as soon as you apply for it! Start to use your card right away5.

  • Fast and secure! Online shopping and in-store payment with contactless technology. Just hold your card close to the terminal for payments under €50. 

Free Visa Card

  • Free! Card issuance and renewal are completely free1.

  • And lots more! Benefits without fees: Open Discounts, accident insurance, SMS alerts, 3D Secure Code System, etc.

  • You can finance purchases and payments over 1 month interest-free. The option to settle payments and/or purchases at a later date is subject to interests. See terms and conditions below.

Security and peace of mind from day one

  • Secure online shopping! Your purchases with a secret PIN and secure e-commerce systems.

  • Stay up to speed! Activate the service so that every time you make a purchase with the card, you receive a free payment confirmation alert by SMS/push.

  • Always secure! As the cardholder, you have accident coverage for public transport and when out and about on your day to day (insured by Santander Seguros y Reaseguros, Compañía Aseguradora, S.A.)6.



Open an account in just three steps, no matter where you are


Fill out your details

To open an account, we need to know a few things about you. Fill out the online form and choose your passcode. Have your DNI or NIE at hand.


Verify your identity

From the comfort of your own home. By video identification or using the number of your account at another bank.


Sign electronically

We will send you an SMS text with a security code to access your contract so that you can sign it online.