Last update: 27/08/2021

Technology and innovation are two key elements for driving financial inclusion and thus overcoming the barriers that prevent people on low-incomes from accessing banking services.


Financial inclusion is a key component of our responsible banking strategy and is key to the prosperity and growth of people and businesses. Tools like Superdigital, a mobile financial inclusion app intended for those who are unbanked or lack sufficient access to financial services and products, helps Santander to increase financial inclusion.

Banking without a bank: Superdigital

This 100% digital platform is centred on Latin America, where some 300 million persons are affected by financial exclusion. Superdigital platform supports operations in different countries, starting with Brazil and then to Argentina, Uruguay, Colombia, Peru, Chile and Mexico. Our target is to reach five million active clients by 2023 in seven Latin American markets with a view to giving more people access to banking services. We hope to eventually have ten million users in the region. 

The platform, developed using Santander proprietary technology, meets all the financial needs of those who are unbanked or lack sufficient access to financial services, through a range of basic products. In addition, the platform offers possibilities for receiving credit. 

Superdigital is easy and simple to use, giving the customer a unique experience. Customers can use it to carry out online transactions even without a bank account, chat with other users of the app, divide expenses among members of a group, and receive automatic alerts about their financial health. 

Specifically in Brazil, Superdigital’s largest market, the digital platform also offers individual micro-entrepreneurs financial services enabling them to pay suppliers and receive payments from customers and companies with large payrolls not usually served by large banks. 

By promoting financial inclusion solutions such as Superdigital, Santander is paving the way for people on low-incomes to access banking products and services, an important step in bringing them into the real economy, and creating a more sustainable and inclusive future.

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