Santander strives to help customers access banking services, no matter when or where. We seek out digital innovations while building on past developments.

We want to stand beside people and businesses to help them prosper. We’re developing alternative channels that can provide financial services around the clock and assist our customers with digitalization.

At Santander, we’re creating a more digital bank with new technology that enables us to perform regular branch transactions and procedures entirely online, anywhere and at any time. Our more than 5 million digital customers in Spain can take advantage of our fully digital onboarding where they can sign for new products and services without having to visit a branch. 

A mobile app that works like a branch

To ensure the best help channels, Santander España has the Santander app. It gives customers personal assistance and the best solutions to their needs. Its useful tools are ideal for handling their financial products and provide a direct connection to our professionals.

In particular, Santander app users can:

• get custom views of accounts and other information;
• order new products and services, and run tasks on ones that are already active, like deleting a credit card or checking a PIN;
• make bill and tax payments fast and effortlessly;
• make all types of money transfers (domestic and foreign wire transfers, Bizum (in Spain) and ATM transfers);
• monitor expenses and savings, and draw up a custom budget; and
• get experiences, discounts and exclusive deals on Santander ZOne.

In addition to the Santander app, in Spain we have the Wallet app with NFC technology, so our customers can use their smartphones like virtual wallets to make digital payments at shops and other establishments. We also have the Money Plan app, a unique system that monitors accounts and cards with Santander and other banks in Spain. 

The Santander España website: simulate, select and sign with one click

Santander Personal

On Santander España’s website, our customers can get the same services of a branch, like:

• getting loan information and paying instalments; 
• handling contracts; 
• signing for investment funds; pension plans; securities accounts; leasing arrangements; pre-approved, instant loans; and other products;
• calculating the rate of a mortgage or personal loan on a simulator; and
• contacting one of some 1,000 digital agents on Santander Personal for virtual assistance with branch-quality service. 

Custom digital products and services 

On our website and the Santander App in Spain, customers can find tools that adapt to their needs, including home valuation with Fotocasa and homebuying advice with Housfy. 

Companies that bank with us can use our digital channels to access various services like Cobro Ágil, an easy way to receive invoice payments early that saves administrative costs.

For our investor customers, we have SO:FIA, Santander Orienta : Finanzas, Inversión y Ahorro (in Spanish), a platform to help them with their selection of funds, plans and securities.

Our work recognized in hard times

As a responsible bank, we worked tirelessly through the most difficult times of the pandemic so our customers could always rely on personal assistance that fit their needs.

We redesigned our app based on new demands from our stakeholders. As a result, we were named “Best Bank for Digital Services” in Spain by Global Banking and Finance Review. Our Contact Centre was also praised by Asociación Española de Expertos en Relación con Clientes (the Spanish association of customer relations experts, or AEERC) for the “Best adaptation of a relations and operations model amid Covid-19”.

More customers are opting for digital channels to bank with Santander. Worldwide, 44% of our sales in 2020 were digital, as opposed to 26% in 2019. We have more than 42 million digital customers around the globe, including 35 million who used mobile banking last year. 

Digitalization: the key to our strategy

A central component of our strategy to become the best open financial services platform is digital transformation. In April, we announced that Grupo Santander would invest over 20 billion euros in technology and digitalization in just four years (from 2019 to 2022). 

Our digital drive stands out with: 

• One Santander, which is changing how we engage our customers according to their preference for online service.
• PagoNxt, an autonomous Grupo Santander platform that specializes in innovative payment technology.
• Digital Consumer Bank, our growth initiative that combines two successful businesses: Santander Consumer Finance (SCF) and Openbank, our 100% digital bank.