Openbank

Openbank brings together Santander's mobility finance and consumer banking operations under a single global business, supported by our global digital banking platform.

• Maintain our auto leadership (#1 in Europe and South America, and #3 in the US) by strengthening and expanding our strategic partnerships and focusing on profitable growth
  
  
• Scale our digital banking business across Mexico, Germany and Spain, leveraging our global platform. In the US, prepare for the integration with Webster (subject to the corresponding regulatory approvals) and continue with the roll out of our platform
  
  
• Provide the best digital experience and global solutions to our partners across Auto, Consumer finance and Openbank
  
  
• Transform our business model towards a more connected, integrated and scalable approach to increase customer engagement
  
  
• Continue to focus on engineering excellence, operational efficiency and hyper-personalized customer experiences leveraging AI

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