I rated Santander Spain 1 Star as there is not a 0 Star option. Be very careful with this bank as they will not explain the conditions of their mortgages to you so the first year seems just fine and after one year they will hike up your payment by 28%. I have never been so exploited in my life and they specifically do this to customers that don't speak Spanish. I highly recommend NEVER working with this bank in Spain as they are complete criminals. I have had to go find a new mortgage and pay so many fees to change immediately. I am in shock this is an international bank and cannot believe they would do this to any of their clients.