Santander España is launching a new strategy in payments to continue increasing customer loyalty, enhance lending and improve service quality. Starting February 12, holders of 1|2|3, Day to Day and Classic accounts will have access to three cards (debit, credit and revolving) tied to their account, which will allow them to make ATM deposits, pay for daily purchases and have access to credit at any time for a flat fee of three euros per month.

1. PRESSRELEASE
Corporate Communication
Ciudad Grupo Santander, Edificio Arrecife Pl. 2
28660 Boadilla del Monte (Madrid). Tel. 34 91 289 52 11
comunicacion@gruposantander.com
www.santander.com - Twitter: @bancosantander
1
Santander España launches a new
payment strategy to boost customer
loyalty and lending
• The Bank introduces a flat rate of three euros per month for access to debit, credit and
revolving credit cards
• Santander is the only bank in Spain that currently allows payments via smartphone.
Starting this week with Apple Pay for iPhone and Apple Watch, and Santander Wallet for
Android
• The Bank adapts 1|2|3 World access conditions to the new payment model to increase
credit card use
• 2.5 million customers are offered a new, pre-approved credit line for cards for an
average amount of over 5,000 euros
Madrid, 2 December 2016. Santander España is launching a new strategy in payments to
continue increasing customer loyalty, enhance lending and improve service quality. Starting
February 12, holders of 1|2|3, Day to Day and Classic accounts will have access to three
cards (debit, credit and revolving) tied to their account, which will allow them to make ATM
deposits, pay for daily purchases and have access to credit at any time for a flat fee of three
euros per month.
Furthermore, thanks to the agreement with Apple Pay, Santander is the only financial
institution in Spain that offers clients the chance to pay with their Mastercard cards from all
mobile devices (Apple Pay for iPhone and Apple Watch and Santander Wallet for Android).
The bank is also launching a new 16 billion credit line for cards, which will be offered to 2.5
million customers, for average amounts of over 5,000 euros. It will be available via
smartphone with just three clicks.
The new strategy means an adjustment to the 1|2|3 World access requirements, which only
affects clients that do not currently use their credit cards. As of February 12, to obtain the
benefits of the 1|2|3 account, aside from fulfilling the existing criteria (direct payroll deposit,
pension, etc; three direct billings and six transactions per quarter), the client will have to
make at least one transaction with a credit card, not including ATM withdrawals.
The 1|2|3 account is the most profitable current account on the Spanish market. It offers 3%
interest for an indefinite period from the first euro for balances of over 3,000 euros, to a
maximum of 15,000 euros; 2% for balances between 2,000 and 3,000; and 1% for balances
of 1,000 to 2,000 euros. It also offers cash back of 1%, 2% or 3% for household bills (water,

2. 2
Comunicación Externa.
Ciudad Grupo Santander Edificio Arrecife Pl. 2
28660 Boadilla del Monte (Madrid) Telf.: 34 91 289 52 11
email:comunicacionbancosantander@gruposantander.com
www.santander.com - Twitter: @bancosantander
electricity, telephone) and insurance, educational expenses (primary school and university
tuition, nursery schools), charitable donations and local and social security taxes.
Once these requirements are met, the client receives one Banco Santander share, and joins
the 1|2|3 World. From that point on, client loyalty is rewarded with more shares, depending
on the amount of additional products acquired such as pension plans, insurance, loans and
mortgages or on increased credit card use.
Rami Aboukhair, CEO of Santander Spain said: “We are implementing a new payment
strategy to reinforce the loyalty of our clients and increase their satisfaction. We remain
committed to the 1|2|3 Account, which continues to be the key lever of our way of doing
banking, based on long term relationships with our clients.”