Openbank

Openbank is Santander Group’s global digital consumer bank, bringing together retail banking, mobility finance, and consumer lending solutions in one integrated digital platform.

• Openbank’s purpose is to deliver a simple, secure, and powerful digital banking experience, combining best-in-class technology with a human, relationship-driven approach. Our teams support both customers and partners — including retailers, vehicle manufacturers, dealers and marketplaces — at every step of their journeys, from everyday banking needs to access mobility and consumer finance solutions.
  
  
• By operating as a single digital bank with connected capabilities, Openbank creates distinctive value. Customers benefit from seamless, end-to-end financial experiences, while partners value our expertise, responsiveness, and support to integrate consumer finance solutions that help enable sales and growth into their commercial journeys.
  
  
• We provide retail banking solutions covering everyday financial needs such as savings, payments, investments, and lending, delivered through a modern, scalable digital platform.
  
  
• We deliver consumer and mobility finance solutions delivered through partnerships with retailers, dealers, vehicle manufacturers, and marketplaces, combining digital efficiency with dedicated partner support.
  
  
• The bank offers embedded finance and co-branded propositions that integrate financing seamlessly into customers’ purchasing journeys, supporting partner conversion and customer experience.

Openbank is evolving as a global digital first banking brand, operating across 26 countries with differentiated products and services tailored to local customer needs. As Openbank continues to expand, it strengthens and extends Santander Group’s global banking presence, reinforcing the Group’s ambition to deliver innovative, scalable, and customer-centric financial solutions powered by technology and differentiated by people.

From 1 January 2026, the Digital Consumer Bank (Consumer) business has been renamed Openbank.