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Note 40 Fees and commission expense (Details) - EUR (€)
€ in Millions
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Fee and commission expense [Line Items]      
Demand accounts € 5 € 5 € 6
Credit and debit cards expenses 1,427 1,130 1,566
Transfers and other payment orders expenses 120 97 81
Commissions for selling insurance 51 54 54
Custody securities 55 52 30
Other fee and commission expense 574 519 548
Fee and commission expense € 2,232 € 1,857 € 2,284