Santander Consumer Bank GmbH

Santander Consumer Bank GmbH is the Austrian banking subsidiary of Spain's Banco Santander, operating under the brand Santander Bank Österreich. Based in Vienna, it has been active in the Austrian market since 2009 and positions itself as the country's leading specialist bank for consumer credit. Its stated mission is to make mobility and everyday goods affordable for people, and it serves both retail customers and a large network of retail and automotive dealers. The product portfolio covers cash loans, instalment credit, debit cards, car loans, leasing and insurance, while on the savings side it offers instant-access and fixed-term deposit accounts. A key differentiator is its strong partnership with Austrian retailers: the bank reports around 3,000 cooperations with retail and automotive dealers, making it a leading manufacturer-independent financier of cars, motorcycles and consumer goods. It also issues the Santander Card, a credit card that allows customers to pay in instalments at merchants. Santander Bank Österreich operates with an Austrian banking licence and is subject to statutory deposit insurance. It employs over 550 people, runs 29 branches across Austria and a customer service centre in Eisenstadt, and serves more than 397,000 customers. Its digital offering includes online banking and the OK Santander Secure App for authentication and account management. As part of Banco Santander, founded in 1857 and headquartered in Spain, the Austrian unit benefits from the group's scale. Banco Santander describes itself as one of the world's largest banks by market capitalisation, with operations in ten core markets in Europe and the Americas, over 7,100 branches, more than 198,000 employees and 180 million customers. The Austrian entity is a long-standing member of the country's main business associations and presents itself as a reliable partner of domestic commerce.

Santander Consumer Bank GmbH has been present in Austria since 2009, when it began operating as part of Banco Santander's consumer finance arm. From the outset, the bank focused on consumer lending rather than universal banking, building its business around point-of-sale financing for retail and automotive dealers. This dealer-centric model allowed it to become a leading manufacturer-independent financier of cars, motorcycles and consumer goods in Austria, with around 3,000 dealer cooperations reported. Over the years the bank broadened its product range beyond pure instalment credit. It added cash loans, debit cards, car loans, leasing and insurance, and later entered the savings market with instant-access and fixed-term deposit products. The Santander Card, a credit card enabling instalment payments at merchants, became a flagship offering. Digital services were expanded with online banking and the OK Santander Secure App, which customers use for authentication and account management. The Austrian operation is part of Banco Santander, a banking group founded in 1857 and headquartered in Spain. Banco Santander describes itself as one of the world's largest banks by market capitalisation, with a presence in ten core markets across Europe and the Americas, over 7,100 branches, more than 198,000 employees and 180 million customers. Santander Bank Österreich operates under an Austrian banking licence and is covered by statutory deposit insurance. It employs over 550 people, runs 29 branches nationwide and a customer service centre in Eisenstadt, and serves more than 397,000 customers. The bank is a long-standing member of Austria's main business associations and positions itself as a reliable partner of domestic commerce.

• 2009

  Santander begins operations in Austria as a consumer finance specialist.

• Bank reports around 3,000 cooperations with retail and automotive dealers.

• Operates 29 branches across Austria and a customer service centre in Eisenstadt.

• Serves over 397,000 customers and employs more than 550 staff.

Austria's leading specialist bank for consumer credit and a manufacturer-independent financier of cars, motorcycles and consumer goods, closely partnered with domestic retail.

• Sofort Kredit

  Fast cash loan for personal needs.

• BestSparen

  Fixed-term deposit or instant-access savings account.

• Santander Card

  Credit card enabling instalment payments at merchants.

• Car loans and leasing

  Financing and leasing for cars and motorcycles.

• Insurance

  Insurance products offered alongside lending.

1. 1Ihr Spezialist für Kredit und Online-Sparen | Santander Bank Österreichsantanderconsumer.at
2. 2Über uns | Santander Bank Österreichsantanderconsumer.at
3. 3Informationen zum Online-Banking | Santander Bank Österreichsantanderconsumer.at