BestGiro

Introduction

The BestGiro from Santander Consumer Bank is an online current account with no account fees, aimed at customers looking for a simple, permanently free salary account with no minimum incoming payment requirement.

Fees

The BestGiro comes entirely without account fees and without a minimum incoming payment requirement — account management is therefore permanently free for all account holders.

Bonus and Features

New customers can currently benefit from a 250-euro summer bonus. This requires opening the account online and completing the account-switching service, informing at least four payment partners. The promotion is valid only until August 31, 2026, and is aimed exclusively at people who have not held a current account with Santander Consumer Bank in the past 24 months — given the tight deadline, interested customers should act quickly or check the current validity directly with the bank beforehand. In addition, the bank pays 0.20 percent interest per year on the balance for the first twelve months, though only for accounts opened after June 2, 2026.

The account comes with a free Visa debit card, which allows up to six free cash withdrawals worldwide per month. An optional credit card, also free of charge, is available subject to a credit check. A new girocard is likewise offered free of charge and allows fee-free withdrawals nationwide at CashPool ATMs. Cash withdrawals of up to 200 euros are also possible free of charge at retailers.

MySantander is available for online banking with real-time transfers; the bank does not provide further details about additional app features on its account page.

Who It's Suitable For

The BestGiro suits anyone looking for a fundamentally free current account with no minimum incoming payment requirement, regardless of income. It is currently particularly attractive for new customers who switch in time before August 31, 2026 to claim the summer bonus, as well as for customers who frequently want to withdraw cash abroad for free.

Verdict

With permanently free account management and no minimum incoming payment, up to six free international withdrawals per month, and a time-limited 250-euro bonus, the BestGiro is an attractive offer for anyone looking for an uncomplicated salary account. Anyone wanting to claim the bonus should open the account promptly given the tight deadline.