Welcome to Santander® Private Client
Enjoy a personalized banking experience designed around your individual goals.
You live an inspired life. We’ll make sure your banking experience lives up to it.
Let’s work together to achieve your highest financial ambitions.
Santander Private Client benefits
Exclusive perks
• Exclusive rates with SPC Money Market savings and preferred pricing on managed accounts through Santander Investment Services
• Access to personalized advice and guidance from a dedicated banker
• Save more when using your Santander Private Client® World Debit Mastercard® at home or abroad1,2
Secure access
• Trust Santander PROTECHTION for Mobile and Online Banking with confidence and control
• Manage your accounts using digital controls for cards, alerts, and more
• Bank with digital confidence using biometric authentication: Face ID®, Touch ID for Apple devices, and fingerprint authentication for Android3
Easy management tools
• Bank from anywhere with our Mobile Banking App and Online Banking
• Send and receive money easily with Zelle®
• Higher ATM and debit card purchase and withdrawal limits
Tailored services
• Personalized advice and guidance from a team of professionals dedicated to your financial success.
• Access to a Santander Investment Services* Financial Advisor who will work with you to develop and adjust your complimentary financial
• Opportunities to attend special Private Client events.
Special travel and entertainment services
• Access to exclusive tickets and reservations with Mastercard Concierge Services
• Travel and purchase protections with the Santander Private Client World Debit Mastercard®
• Complimentary standard membership to Priority Pass with unlimited visits, the world’s leading airport lounge program. Enroll today at prioritypass.com/santanderprivateclient, invitation code: 6782277
• For additional assistance call the Santander Private Client World Debit Mastercard Benefits Line at 1-866-214-5084.
For additional details, please refer to the Santander Private Client Fee Schedule and our Personal Deposit Account Agreement.
1. Program Eligibility: Each service fee period, you are required to maintain a minimum combined balance of $250,000 in bank deposits (consumer and certain business products*) and eligible investments** held with Santander Investment Services. If you do not maintain the minimum combined balance, we reserve the right to change your Private Client accounts to other applicable product types, for which you may be charged the Monthly Fee. If we do so, we will notify you.
*Eligible business products include Business Checking, Savings, Money Market Savings, and Certificates of Deposit accounts, but exclude the following accounts: IOLTA, Bankruptcy, Brokered Deposits, Controlled Disbursement, Escrow, Government, and Union accounts.
**Eligible investments held with Santander Investment Services do not include the following: Annuities held at Mass Mutual, Allstate, Phoenix, Ohio National; Immediate annuities or annuities that have become annuitized; Mutual funds and 529 products not custodied by National Financial Services LLC; Insurance Products (with the exception of certain annuities held directly with a product sponsor).
2. Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. Santander Investment Services is an affiliate of Santander Bank, N.A.
3. See Guide to Benefits that comes with your card.
# With Priority Pass Membership, there are unlimited lounge visits for Santander Private Clients. Guest fee applies per visit.
4. You must properly safeguard your PIN and promptly notify us of any unauthorized transactions. Please refer to Your Liability for Unauthorized Transfers section in your Personal Deposit Account Agreement.
5. Santander® Instant Card Hold will block most types of transactions, including purchases made with your card. Please note that some types of transactions will continue to process, including recurring debit/credit transactions presented to us by certain merchants for monthly membership or subscription fees.
| INVESTMENT AND INSURANCE PRODUCTS ARE: | |||||
| NOT FDIC INSURED | NOT BANK GUARANTEED | MAY LOSE VALUE | |||
| NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT A BANK DEPOSIT | ||||
Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © 2026 Santander Bank, N.A. All rights reserved. Santander, Santander Bank, the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. Mastercard is a registered trademark of Mastercard International, Inc. All other trademarks are the property of their respective owners.