Created by Anna Mileiko 
Established in 1992, Santander Consumer Bank SA (formerly Santander Benelux SA) was focused on providing consumer finance products and services, including loans and credit cards, to individuals and merchants. In March 2021, Santander Consumer Bank SA was superceded by Santander Consumer Finance SA.
In 2020, SANTANDER CONSUMER BANK achieved the position of 25th largest bank in Belgium with a market share of 0.19%; its total assets dropped by 11.47%.
Deposits up to 100,000 EUR are covered by Belgian deposit guarantee scheme in SANTANDER CONSUMER BANK.
branch
online banking
mobile app
SANTANDER CONSUMER BANK ranked as the 25th largest bank in Belgium by total assets. In 2020 its total assets were 2,113.36 mln EUR, representing a 0.19% market share.
Guarantee Fund for Financial Services (GFFS)SANTANDER CONSUMER BANK protects deposits up to up to 100,000 EUR per depositor through Belgium's deposit guarantee scheme. The scheme applies to current accounts, deposit accounts made by natural persons (Belgian and foreign), legal entities (Belgian and foreign). The bank participates in the Guarantee Fund for Financial Services (GFFS), making regular contributions into it.
Santander (Spain)SANTANDER CONSUMER BANK is a member of Santander (Spain).
Avenue des Nerviens, 85, 1040, Etterbeek, BelgiumSANTANDER CONSUMER BANK was headquartered in Etterbeek.
MasterCardSANTANDER CONSUMER BANK provides services in the area of retail banking. SANTANDER CONSUMER BANK offers a range of products including current accounts, payment cards, savings accounts, time deposit accounts, consumer loans (5.20 - 5.20 %), car loans (5.50 - 5.50 %), mortgage loans, insurance.
branch online banking mobile appProducts and services offered by SANTANDER CONSUMER BANK are available at its branches and via its online banking system, mobile application.
PolishConsumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term).Consumer loans offered by SANTANDER CONSUMER BANK are shown in the table below.
Updated on 21 January 2025
BelgiumFinance all types of expenses
Loan purposes: wedding, furniture, electronics, personal needs, debt consolidation, holiday, education
Belgium: This product is offered to Belgian residents only. When clicking on the product link you will be redirected to the product page in Dutch, French or German.
Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by SANTANDER CONSUMER BANK are shown in the table below.
Updated on 21 January 2025
BelgiumLoan purposes: caravan, moto, car purchase
Finance purchase of new and used vehicles
Suitable for purchase of eco-friendly and traditional vehicles
Belgium: This product is offered to Belgian residents only. When clicking on the product link you will be redirected to the product page in Dutch, French or German.
In 2020 total assets of SANTANDER CONSUMER BANK were 2,113.36 mln EUR. Decline compared to the previous period (2019) was -11.47%. The evolution of the total assets of SANTANDER CONSUMER BANK is shown at Chart 1 below.
Chart 1. Total Assets of SANTANDER CONSUMER BANK.
Recent changes in total assets of SANTANDER CONSUMER BANK and its main components are shown in Table 1.
| 2019 | 2020 | change (%) | |
|---|---|---|---|
| Cash and deposits with Central Banks | 133.7 | 33.9 | -74.67% |
| Loans to banks | 8.1 | 10.5 | +29.01% |
| Loans to customers | 1,538.0 | 1,534.0 | -0.26% |
| Total Assets | 2,387.1 | 2,113.4 | -11.47% |
Table 1. Recent changes in total assets of SANTANDER CONSUMER BANK (mln EUR).
Recent changes in total liabilities of SANTANDER CONSUMER BANK and its main components are shown in Table 2.
| 2019 | 2020 | change (%) | |
|---|---|---|---|
| Bank deposits | 571.0 | 140.0 | -75.48% |
| Customer deposits | 570.0 | 793.5 | +39.21% |
| Total Liabilities | 2,387.1 | 2,113.4 | -11.47% |
Table 2. Recent changes in total liabilities of SANTANDER CONSUMER BANK (mln EUR).
In 2020 SANTANDER CONSUMER BANK was ranked the 25th largest bank in Belgiumin terms of total assets, having 0.19% of the domestic market share.
Chart 2. Market share of SANTANDER CONSUMER BANK (among banks in Belgium)
Historical changes in SANTANDER CONSUMER BANK's domestic rank and market share over 2016-2020 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2020 | 25 | 0.19 % |
| 2019 | 24 | 0.25 % |
| 2018 | 23 | 0.30 % |
| 2017 | 27 | 0.30 % |
| 2016 | 27 | 0.29 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to SANTANDER CONSUMER BANK listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 24 |  | 0.17% | 2,263.56 mln EUR (-5.27%) |
| 25 | | 0.19% | 2,113.36 mln EUR (-11.47%) |
| 26 |  | 0.18% | 2,306.24 mln EUR (+9.54%) |
Discover key identifiers of SANTANDER CONSUMER BANK including its BIC, LEI, company number, MFI ID.
BIC: BSCHBEBB
The BIC (also known as SWIFT code) for SANTANDER CONSUMER BANK is BSCHBEBB. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.
| Key | Value |
|---|---|
| BIC | BSCHBEBB |
| Bank BIC Code | BSCH |
| Country Code | BE (Belgium) |
| Location Code | BB |
| Branch Code | - |
LEI: 549300EFMBDUBFU1TB60
SANTANDER CONSUMER BANK’s LEI is 549300EFMBDUBFU1TB60. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.
| Key | Value |
|---|---|
| LEI | 549300EFMBDUBFU1TB60 |
| LOU Identifier | 5493 |
| Reserved | 00 |
| Entity Identifier | EFMBDUBFU1TB |
| Verification ID | 60 |
Company Registration Number: 0464657318
SANTANDER CONSUMER BANK is registered in Belgium under company number 0464657318. In Belgium, Company Registration Number is assigned automatically when registering a company in the Crossroads Bank for Enterprises (CBE). The company registration number is a unique identification number consisting of 10 digits, starting with 0 or 1.
| Key | Value |
|---|---|
| Company Number | 0464657318 |
MFI ID: BE0464657318
SANTANDER CONSUMER BANK’s MFI ID, BE0464657318, is assigned by the European Central Bank to identify the institution within the EU's financial system. The first two digits represent Belgium (BE), followed by the institutions's internal ID.
| Key | Value |
|---|---|
| MFI ID | BE0464657318 |
| Country Code | BE |
| MFI Code | 0464657318 |
TheBanks.eu identified several banks similar to SANTANDER CONSUMER BANK based on various criteria, including:
