Financial Education

At Santander, we believe education is key to financial inclusion and protecting users of financial services.

Teaching financial concepts helps people to take better decisions about their money and protect their finances.

Financial education is at the core of our responsible banking agenda, through which we aim to make economic concepts easier to understand, reduce asymmetric information between customers and financial service providers, protect the most vulnerable through special tactics and promote market stability.

For us, financial education also means teaching people the tools to carry out digital transactions in a simple and secure way that protects them from identity theft and fraud.

Basic concepts
Finance management
Digital banking
Behavioural economics
Sustainable finance

Payouts and why they matter to shareholders

A payout is the share of profits that a listed company will pay its shareholders.

Banco Santander's share buyback programme

Aside from cash dividends, companies can also reward shareholders through a share buyback. Find out what it is and its benefits.

Nominal or real value: How to tell the difference

Here we explain what they tell us about the economy.

Insolvency: What it is and how to avoid it

Missing debt payments can hurt your finances in the short-to-long term. Good financial planning is key to avoiding insolvency.

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Find out everything about bank fees

What’s a bank fee? How are they paid and how often? What types are there? Get all the details.

How SMART goals can help you save

Do you know how to set SMART savings goals? Here we give you some tips on making saving easier.

Tips to boost your financial health

How can you reach financial health? Steps to keep your finances in shape.

When should you talk to your bank about restructuring your debt?

You may find yourself unable to meet your financial obligations. Here's how you can avoid default.

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How to shop safely online

How to shop online safely? Discover in this article some recommendations to make safe and secure online shopping.

Deepfakes, how to protect ourselves against fraud

Tampered videos, images or audios that purport to show the appearance or voice of a real person and can be used to impersonate.

Romance scam: what it is and how to catch it in time

What is the “romance scam”? Here we tell you how to spot it and what to do if you suspect something.

How to spot and prevent scams on instant messaging apps

Scams on instant messaging services and platforms are growing in number and being uncovered more often.

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Black Friday: Why do we buy more during sales?

Should we buy things on Black Friday? What goes on in our brain when we see an offer? Find out how to make the most of the sales without putting your financial health at risk.

The “anchoring effect”: When a first impression hits your wallet

Here we tell you about a form of cognitive bias that leads you to pay for a product or services based on first impressions.

The “Tom Sawyer” effect: Do you manage your finances based on expectation or reality?

If other people's recommendations or opinions influence how you spend your money, find out how to separate your expectations from fact.

The framing effect: when appearances push you to buy

In order to consume more intelligently, you must differentiate between the most important information and the information that seems more attractive but does not add value.

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Linear and circular economies: What are they and what’s the difference?

What are the main differences between the linear and circular economies? Check out their features and how Santander contributes to the circular model.

What are “sustainable finance” and “ESG”?

Find out about sustainable finance and why it’s crucial to making the economy more socially responsible and eco-friendly.

What is ecotourism?

It’s possible to visit natural destinations and have a positive, sustainable impact on them. Here’s how!

The “green premium” and why we should learn about it

Many sustainable products and services command a king’s ransom. Here we tell you why, and how we can drive prices down.

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Financial education highlights at Grupo Santander

New research by Santander UK: Investing named as the most sought-after financial skill amongst young adults

This research reveals that 44% of young people say investing is the financial skill they would most like to learn about, despite nearly 8 in 10 (79%) having never created a basic budget.

Santander UK finds that millions of young people still leave school without financial education

New research from Santander UK reveals that young adults are leaving school without a formal financial education, raising concerns about the nation’s financial literacy.

Santander, Tuiio and Condusef introduce Mun-2 Aventuras Financieras, the first videogame to bring personal finance to children

Mun-2 Aventuras Financieras is the first personal finance videogame, which aims to educate children about finances.

Santander recognised as Bank of the Year for Financial Inclusion by The Banker magazine

The Banker has valued the efforts made by Banco Santander to ensure a responsible and sustainable path to growth through its commitment to “serving financially excluded communities and small businesses on a large scale with its ‘Finance for All’ initiative, a comprehensive suite of services that blends digitalisation with financial education”.

Information by country

Learn more about finance on this site and explore Santander's wide range of financial education resources in its geographies.

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Financial education highlights at Grupo Santander

Information by country