Our commitment 

10 mn

people empowered between 2019 and 2025

10 mn

people empowered between 2019 and 2025

Financial inclusion and empowerment

Santander Finance for All helps people access the financial system, set up and grow micro-businesses, and learn how to manage their finances. Our strategy addresses the needs of individuals and SMEs in Europe, Latin America and the US who have problems obtaining credit, limited financial knowledge or financial difficulties.

Our three lines of action promote financial inclusion:

Our progress

Since 2019
4 mn

financially empowered people

€ 469 mn

to microentrepreneurs in 2020

Since 2019
4 mn

financially empowered people

€ 469 mn

to microentrepreneurs in 2020

We aim to guarantee basic financial services for everyone.

We promote access to the banking system and payment accounts. Our digital platforms help the unbanked make payments and use basic services tailored to their needs to overcome barriers, take greater control of their finances and perform faster and safer banking operations. Our Superdigital platform is a flagship initiative with approximately 500,000 users in Latin America.

We also seek to guarantee financial products in sparsely populated, small or remote areas (most of which have a sizeable elderly population), with branches and ATMs in Latin America and Europe as well as agreements with private and public entities to boost the financial inclusion of underserved communities.

More information on the Annual Report

Our objective is to guarantee financing for SMEs and entrepreneurs who have trouble obtaining credit, through microfinance proposals for unbanked or underserved populations in Brazil, Mexico, Argentina and Uruguay and other initiatives. Through programmes like Prospera and Tuiio, we offer more than just loans, by extending to bank cards, current accounts, savings and insurance.

We seek to finance the basic needs of low-income households through products and services like affordable housing programmes and mortgage payment deferrals. We also provide loans to underserved SMEs, some of which are guaranteed under EU and domestic schemes.

More information on the Annual Report

We foster resilience through financial education. Our objective goes beyond helping people open bank accounts. We make sure they have the skills to manage their finances and can make the right choices about the products and services that suit them. Our programmes are diverse and target various groups, with formats and tools that make financial education more accessible and our initiatives more impactful.

More information

Main initiatives

Superdigital

Banking without a bank. Superdigital is Santander’s flagship mobile platform for cash deposits, withdrawals and payments. Available in Brazil, Mexico and Chile, it builds on fast growing smartphone use and better network coverage in Latin America to increase financial inclusion.

More details:


Prospera

Created in 2002, Prospera is the largest microfinance programme offered by a private bank in Brazil. It’s a productive model aimed primarily at people without access to formal banking. Since 2015, Prospera has been offering microloans and other products at social inclusion branches in Argentina. It also launched in Uruguay in 2019. 

More details:

Tuiio

Launched in October 2017 in Mexico, Tuiio is a financial inclusion programme for low-income households. Its objective is to have a positive  impact on communities by offering competitive microloans, especially to support and develop businesses.

More details:

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