Openbank

Openbank is Santander Group’s global digital consumer bank, bringing together retail banking, mobility finance, and consumer lending solutions in one integrated digital platform.

• Maintain our auto leadership (#1 in Europe and LatAm, top 5 non-captive auto lender in the US) by strengthening and expanding our strategic partnerships and focusing on profitable growth
  
  
• Scale our digital banking business in our core markets, leveraging our global platform, which is live in the US, Mexico, Germany and Spain, while laying the foundations to expand into new markets
  
  
• Provide the best digital experience and global solutions to our partners and customers
  
  
• Transform our business model towards a more connected, integrated and scalable approach to increase customer engagement
  
  
• Continue to focus on engineering excellence, operational efficiency and hyper-personalized customer experiences, leveraging AI

Openbank is evolving as a global digital first banking brand, operating across 26 countries with differentiated products and services tailored to local customer needs. As Openbank continues to expand, it strengthens and extends Santander Group’s global banking presence, reinforcing the Group’s ambition to deliver innovative, scalable, and customer-centric financial solutions powered by technology and differentiated by people.

From 1 January 2026, the Digital Consumer Bank (Consumer) business has been renamed Openbank. Get answers to your questions about the merger.