Santander Online Banking Review 2025: Presentation, services and locations

Santander Bank is recognized worldwide as a leading financial institution, not only in Spain but throughout the world. Are you curious about what it has to offer to individuals and businesses? Discover here its range of financial services, customer service, benefits and comments from its current customers.

Santander Bank: Technical information and summary

Euromoney has named Banco Santander the leading bank in Spain, making it one of the largest financial entities in the world. Its influence is felt not only in our country, but also in Portugal, Poland, the United Kingdom, the United States, Brazil, Mexico, Argentina, Uruguay and Chile.

Founded in Santander in 1857 by the merger of Santander merchants, Banco Santander has experienced significant growth. In 2019, it achieved a profit of more than 6.5 billion euros and employed more than 195,000 people.

Santander Bank fact sheet: contact details, BIC/SWIFT, telephone

Name (Company name)	SANTANDER BANK, S.A.
Head office	Pereda Walk, 9-12, 39004, Santander
Headquarters	Santander Group Financial City Cantabria Avenue, 28660, Boadilla del Monte (Madrid)
CIF	A-39000013
BIC code (Swift code)	BSCHESMMXXX
Bank code	0049
Customer service area	Santander Bank customer service area
Customer service phone number	915 123 123
Main application	Santander app, available to Android and iOS users
Santander Bank offers a variety of financial services to individuals, including:	- Santander bank accounts - Santander Loans - Santander Investment Fund - Santander credit cards - Santander Mortgages - Santander health insurance

 

Santander Bank Financial Services

Banco Santander offers a wide range of financial services, making it a key part of its brand. The bank caters to a wide range of needs, offering current and savings accounts, credit and debit cards, mortgages, life and health insurance, retirement plans, and more.

In addition to its partnership with Mapfre, Banco Santander offers insurance for cars and motorcycles. This includes health, life, home and death coverage, as well as policies for the self-employed, business insurance and savings plans, including insured retirement plans (PPA).

 

Santander Bank Account Options

Santander Bank offers a variety of current accounts suitable for different types of customers. These include:

Santander One Account : Ideal for individuals and business owners of all ages, this account is a new payroll option with no fees, as long as specific criteria are met. It also allows for the addition of monthly plans at a fixed rate.

Smart Account : Designed for young adults aged 18 to 31.

Mini Account: suitable for minors.

Basic payment account: available to EU residents without another bank account in Spain.

Among these, the Smart account stands out for its unique features, including:

 

Santander Bank Smart Account

Benefits	No fees
Digital operation via mobile	Free debit card
Operational	100% digital operation via mobile
Maps	Free debit card
Benefits highlighted	Easy access to rentals

 

Santander Bank Mortgage Solutions

Like other banks, Santander offers fixed and variable rate mortgages. However, to achieve the bank's goal of offering total flexibility according to individual financing needs, it also offers alternative options:

 

Santander Mortgage Solutions

Online Fixed Mortgage with Bonus: Ideal for those who prefer a constant interest rate and payment amount throughout the term of the mortgage. This option comes with a bonus that requires meeting certain conditions.

Online variable rate mortgage with bonus : the amount of the bonus varies depending on different factors. Like the online fixed rate mortgage with bonus, this option also has specific conditions to meet.

Transfer your mortgage to Santander: This service allows you to transfer your existing mortgage to Santander Bank. You can choose between a fixed or variable interest rate.

Home Exchange Mortgage  : Available with a fixed or variable interest rate, this option is for those looking to purchase a new home while selling their current home.

Altamira, Casaktua and Aliseda mortgages  : special mortgages for the purchase of homes directly from Banco Santander, offering 90% financing.

Other mortgage options: self-build mortgage, mortgage for other purposes, mortgage for commercial property acquisition.

 

Santander Bank credit cards

Given the wide range of accounts, it is not surprising that Santander Bank also offers a variety of credit cards, both debit and credit, each with its own set of benefits, including bonuses and discounts (for credit cards).

 

Santander Bank Cards

Santander Bank credit cards	Santander Bank Debit Cards
·         Santander One card ·         Santander Iberia Card ·         LaLiga Santander Card ·         VIA T electronic toll card for motorways	·         Santander One card ·         Mini prepaid card ·         Contactless prepaid bracelet ·         Mini prepaid bracelet ·         e-Cash virtual card

 

Additional services from Santander Bank

As mentioned earlier, Santander Bank provides its customers with a variety of services beyond accounts, cards and mortgages, including:

Loans: This includes the Winning Loan (exclusive to Banco Santander customers), the Car Loan, the EIB Energy Efficiency Loan, the Home Renovation Loan and Bansacar Car Rental

Investment funds: with more than 18,000 investment funds available, national and international, from more than 350 management companies

Retirement Plans: Includes notable plans such as Gama Mi Proyecto (tailored to different life stages) and Plan Gama Mi (tailored to different risk levels)

Insurance: offers Santander Mapfre car and motorcycle insurance, health insurance, life insurance, home insurance, death insurance, insurance for the self-employed and savings insurance

 

Santander  Bank contact details

Recognizing the importance of excellent customer service, Banco Santander has two toll-free telephone numbers for customers to reach a specialized agent for questions, requests or to resolve problems quickly and efficiently:

 Santander Bank   private phone numbers

Phone	Service	Availability
915 123 123	Customer service	Monday to Saturday from 8 am to 9 pm
900 811 381	Urgent assistance	24 hours a day, 365 days a year

For those who prefer, Banco Santander also offers assistance via its Twitter account: @santander_resp, operational Monday to Saturday from 8 am to 9 pm

 

Santander Bank Mobile Apps

Given its digital-first approach, Banco Santander is also extending this strategy to its mobile applications.

• Santander Individuals App : Offers customization options, allowing users to manage their spending, send money and have complete control over their finances via the Financial Diary

• Santander Wallet app : allows users to fund purchases, activate or deactivate cards and verify their PIN code

• Santander Money Plan app: offers the ability to add accounts and cards from other banks, categorize expenses and view transaction history, among other features

• Santander Justice application: allows users to access judicial and administrative services, read current legal news, etc.

All  Santander  Bank  mobile applications are available for Android and iOS devices.

 

Santander Bank Empresas: what does it offer?

In addition to individual services, Banco Santander addresses professionals and companies with tailor-made solutions and products designed for various activities:

 

Banco Santander Business Solutions

• Accounts: the professional account 123 stands out among them

• Daily Operations: Offers customized cash and payment services, point-of-sale terminals and credit cards for different types of businesses

• Financing: offers services for daily operations, investments and projects, as well as a leasing service

• International Business Solutions

• Risk management and wide range of insurance

• Improvements for your business, with a job portal, information on government grants, export assistance, a blog and a news section

Advantages of being a  Santander  Bank  customer

Becoming a  Santander  Bank  customer comes with many benefits. For starters, users have access to different types of accounts without any maintenance or administration fees, as long as they meet the criteria. In addition:

• No fees for unlimited transfers from  Santander  Bank

• No card issuance or maintenance fees

• Santander Piggy Bank: an application and a web tool for saving

• Santander Shopping: The Santander app includes a Santander Shopping section. By registering, customers can enjoy offers using any of their Santander cards. It is important to note that these offers are subject to change every month.

More benefits

Banco Santander offers special offers for different groups: law enforcement, students or professionals in the education sector, healthcare professionals, civil servants, farmers, bank agents and self-employed workers. It also offers a unique service for Select customers.

Regarding Banco Santander Empresas, these are the main advantages it offers:

• Collection and payment management: ability to send collection and payment documents, check transaction status, generate online payments and make immediate payments to SEPA countries.

• Monitoring and control of operations: creation of different access profiles adapted to the needs of the company.

• Simplification of business management: fast and secure creation of invoices, access to public aid for the company, Santander Trade for international expansion and the possibility of communicating via the Super Línea Empresas chat.

Santander  Bank  Online for individuals

Banco Santander Online is recognized as one of the best online banking services in the Spanish financial sector. It offers a wide range of features to carry out various daily operations without having to go to a branch.

Access the  Santander  Bank  customer area

Individuals can access the Banco Santander customer area by entering their NIF and password.

This space is divided into several sections:

• Home window, which provides a summary of the current status and/or account balance

• Accounts and Cards, where you can view the overall status of an account, make transfers and withdrawals, check payments and receipts, and access income tax and other tax information.

• Financing: includes loans, credits and leasing services

• Savings-investment: covers deposits, savings insurance, retirement plans, investment funds, securities accounts and discretionary management

• Insurance: includes protection insurance and savings insurance

•  MarketPlace

The  Santander  Bank  customer area also includes an email inbox, a customer service section with all the numbers and means of contact, and the "Personal Area" section, which allows you to consult your personal information or activate your electronic signature, among other functionalities.

 

What can you do in the banking sector at Banco Santander?

• Consult the general status of financial services and evaluate income and expenses

• Transfer funds and send money (including instant transfers)

• Pay taxes

• Customize notifications for products

 

Banco Santander branches and ATMs

In recent years, Banco Santander has chosen to close some branches due to layoffs, as reported by various news sources. Currently, the bank operates 5,000 branches worldwide.

In this context, Banco Santander has 25,000 ATMs worldwide, 7,000 of which are located in Spain.

 

Santander  Bank  Foundation

The Banco Santander Foundation is deeply dedicated to the promotion of art, culture and human and scientific efforts.

Its objective is to support cultural, artistic, environmental, scientific, musical and historical projects and activities with the aim of:

• Making cultural experiences more accessible

• Contribute to environmental restoration and encourage sustainable practices in natural areas

• Highlight cultural heritage and historical and artistic legacy

• Promote understanding of current historical and cultural events and foster connections for social change

Social initiatives

The  Santander  Bank  Foundation is also involved in projects related to development and social integration, including Santander Ayuda (which supports local initiatives), Santander Best Africa (a program dedicated to social and economic development in Africa) and Santander Social Tech (which helps with the digital transformation of the tertiary sector).

 

Santander  Bank  Reviews

At Reviewerpoints, it is obvious that Santander aligns itself with the standards and characteristics of a leading institution in Spain. The bank offers a wide range of services to individuals, with a thorough approach to meeting customer needs through financial products. In addition, the bank's customer service, the Foundation's initiatives and proposals for business improvement are commendable.

 

Common questions about Santander  Bank

• What mobile payment options does Santander Bank offer?

As a Santander Bank customer, you have the possibility to make payments through your mobile device using Apple Pay, Samsung Pay, App Wallet, Bizum, Fitbay Pay and Garmin.

• How to contact Santander Bank by phone?

Bank contact centre: Telephone: +48 61 81 19999* English-speaking staff are available from: Monday to Friday between 8.00 and 20.00 General enquiries: contact@santander.pl Please note that you should not include any confidential information in your email.

• Does Santander Bank offer the Correos Cash service?

In fact, Santander Bank offers the Correos Cash service.