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Note 40 Fees and commission expense (Details) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
 [1]
Fee and commission expense [Line Items]      
Demand accounts € 7 € 6 € 5
Credit and debit cards expenses [2] 3,534 2,337 1,884
Transfers and other payment orders expenses 153 156 132
Commissions for selling insurance 47 40 54
Custody securities 101 111 92
Other fee and commission expense 1,206 961 721
Fee and commission expense € 5,048 € 3,611 € 2,888
[1]
(1) Amounts corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).
[2]
(2) Points of Sale.