Santander Consumer Bank AG

Santander Consumer Bank AG, a member of Santander Group (Spain), is a provider of financial services in retail banking. The head bank of the group, Banco Santander, based in Madrid is mainly active in retail banking and in addition in global wholesale banking, cards, asset management and insurance business.

Services

Retail Banking

Products

Financials

Total Assets (2017)
42 421.20 mln EUR  (-2.38%)
Net Income (2017)
0.00 EUR

In 2017 total assets of Santander Consumer Bank AG were 42 421,20 mln EUR. In 2017 the bank's net income was 0,00 EUR.

Santander Consumer Bank AG participates in deposit guarantee scheme of Germany. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Member of Group

 Santander (Spain)

Contacts

Santander-Platz 1, 41061, Mönchengladbach, Germany
10 12 14

Santander Consumer Bank AG is headquartered in Mönchengladbach.

Bank Identifiers

BIC (SWIFT)
SCFBDE33XXX
MFI ID
DE03293

Business Summary

Santander Consumer Bank AG provides services in the area of retail banking. The range of products offered by Santander Consumer Bank AG includes current accounts, payment cards, savings accounts (0.01 - 0.05 %), time deposit accounts (0.01 - 1.22 %), consumer loans (2.69 - 7.95 %), car loans, morgage loans, insurance, credit cards, mortgage loans (0.80 - 2.30 %), car loans (2.69 - 7.95 %).

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

Current accounts made with Santander Consumer Bank AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. The following current accounts are offered by Santander Consumer Bank AG.

Updated on 15 December 2018

1I2I3 Giro
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
0
Overdraft Rate (p.a.)
8.05 %
Current Account Details
Product Name
1I2I3 Giro
Account Currency
EUR
Overdraft Rate (p.a.)
8.05 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
1I2I3 Giro
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
83.4
Overdraft Rate (p.a.)
8.05 %
Current Account Details
Product Name
1I2I3 Giro
Account Currency
EUR
Annual Costs
83.4 EUR
Overdraft Rate (p.a.)
8.05 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
BestGiro
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
0
Overdraft Rate (p.a.)
8.05 %
Current Account Details
Product Name
BestGiro
Account Currency
EUR
Overdraft Rate (p.a.)
8.05 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

Savings accounts made with Santander Consumer Bank AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. Santander Consumer Bank AG offers the following savings accounts.

Updated on 15 December 2018

Tagesgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.05 %
Deposit Term (months)
1 - 99
Savings Account Details
Product Name
Tagesgeld
Account Currency
EUR
Interest Rate (p.a.)
0.05 %
Deposit Term (months)
1 - 99
Investment Amount
1 - 100000 EUR
Interest Frequency
12 times a year
Tagesgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.05 %
Deposit Term (months)
1 - 99
Savings Account Details
Product Name
Tagesgeld
Account Currency
EUR
Interest Rate (p.a.)
0.05 %
Deposit Term (months)
1 - 99
Investment Amount
100001 - 999999 EUR
Interest Frequency
12 times a year
Sparkonto
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
1 - 99
Savings Account Details
Product Name
Sparkonto
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
1 - 99
Investment Amount
1 - 999999 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with Santander Consumer Bank AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. Santander Consumer Bank AG offers the following time deposit accounts.

Updated on 15 December 2018

Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
6
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
6
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
12
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
24
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
36
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.80 %
Deposit Term (months)
48
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.80 %
Deposit Term (months)
48
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.90 %
Deposit Term (months)
60
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.90 %
Deposit Term (months)
60
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.11 %
Deposit Term (months)
72
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
1.11 %
Deposit Term (months)
72
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.22 %
Deposit Term (months)
96
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
1.22 %
Deposit Term (months)
96
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by Santander Consumer Bank AG.

Updated on 15 December 2018

1plus Visa-Card
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs (EUR)
0
Credit Card Details
Product Name
1plus Visa-Card
Card Provider
Visa
Card Type
Standard
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
0.00 %
Current Account Necessary
Bonus Program
Harley-Davidson Visa Chrome Card
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs (EUR)
25
Credit Card Details
Product Name
Harley-Davidson Visa Chrome Card
Card Provider
Visa
Card Type
Standard
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.25 %
Current Account Necessary
Bonus Program
TravelCard
Sales Region
Germany
Card Currency
EUR
Card Provider
MasterCard
Card Type
Standard
Annual Costs (EUR)
48
Credit Card Details
Product Name
TravelCard
Card Provider
MasterCard
Card Type
Standard
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.50 %
Current Account Necessary
Bonus Program

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer 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 AG are shown in the table below.

Updated on 15 December 2018

BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.69 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
12 - 36
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
3.95 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
37 - 48
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
3.95 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
49 - 84
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.44 %
Borrowing Amount (EUR)
5001 - 12500
Loan Term (months)
12 - 96
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.44 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
85 - 96
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
7.95 %
Borrowing Amount (EUR)
12501 - 60000
Loan Term (months)
12 - 96

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

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 AG are shown in the table below.

Updated on 15 December 2018

BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.69 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
12 - 36
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
3.95 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
37 - 48
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
3.95 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
49 - 84
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.44 %
Borrowing Amount (EUR)
1000 - 5000
Loan Term (months)
85 - 96
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.44 %
Borrowing Amount (EUR)
5001 - 12500
Loan Term (months)
12 - 96
BestCredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
7.95 %
Borrowing Amount (EUR)
12501 - 60000
Loan Term (months)
12 - 96
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.99 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
12 - 12
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.99 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
24 - 24
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.99 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
36 - 36
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.99 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
48 - 48
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.99 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
60 - 60
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.99 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
72 - 72
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.19 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
84 - 84
carcredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.19 %
Borrowing Amount (EUR)
500 - 500000
Loan Term (months)
96 - 96

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Mortgage Loans

Mortgage loans are secured loans used for real estate financing purposes (for example, purchase of a new or existing property, construction of an own property, property renovation) without paying the entire value up front. A mortgage loan is secured by the collateral of specified real estate property and is repaid in installments. Mortgage loans offered by Santander Consumer Bank AG are shown in the table below.

Updated on 15 December 2018

Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
0.80 %
Borrowing Amount (EUR)
from 150000
Lending Amount (%)
60.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
0.90 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
60.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.00 %
Borrowing Amount (EUR)
from 150000
Lending Amount (%)
80.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.10 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
80.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.15 %
Borrowing Amount (EUR)
from 150000
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.20 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
60.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.25 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.35 %
Borrowing Amount (EUR)
from 150000
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.40 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
80.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.45 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.55 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.70 %
Borrowing Amount (EUR)
from 150000
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.75 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.80 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.90 %
Borrowing Amount (EUR)
from 150000
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.00 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.10 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.30 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
80.00 %
Loan Term (years)
15

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Financial Positions

Total Assets (2017)
42 421.20 mln EUR  (-2.38%)

In 2017 total assets of Santander Consumer Bank AG were 42 421.20 mln EUR. Decline compared to the previous period (2016) was -2.38%. The evolution of the total assets of Santander Consumer Bank AG is shown at Chart 1 below.

Total Assets of Santander Consumer Bank AG.

Chart 1. Total Assets of Santander Consumer Bank AG.

Profit and Loss

Net Income (2017)
0.00 EUR

In 2017 net income of Santander Consumer Bank AG was 0.00 EUR. The value didn't change compared to the previous period (2016). The evolution of the net income of Santander Consumer Bank AG is shown at Chart 2 below.

Net Income of Santander Consumer Bank AG.

Chart 2. Net Income of Santander Consumer Bank AG.

Market Share and Rank (among banks in Germany)

Total Assets (2016)
24th (market share 0.61%)

In 2016 Santander Consumer Bank AG was ranked the 24th largest bank in Germany in terms of total assets, having 0.61% of the domestic market share.

Market share of Santander Consumer Bank AG (among banks in Germany)

Chart 3. Market share of Santander Consumer Bank AG (among banks in Germany)

Several banks having the market shares and ranks closest to Santander Consumer Bank AG are shown below.

RankNameTotal AssetsMarket Share
23Hamburger Sparkasse AG43909.89 mln EUR0.62%
24Santander Consumer Bank AG43453.62 mln EUR0.61%
25Aareal Bank AG40287.50 mln EUR0.57%
 

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Germany are obliged to participate in German deposit guarantee scheme.

In the case of Santander Consumer Bank AG failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Covered Accounts  all deposit accounts (deposits on current accounts and savings accounts, overnight money or time deposits, registered savings bonds, and similar)
Covered Currencies  EU currencies
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of Santander Consumer Bank AG and its components are shown in the table below.

BIC  SCFBDE33XXX
Bank BIC Code  SCFB
Country Code  DE (Germany)
Location Code  33
Branch Code  XXX

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Santander Consumer Bank AG is shown in the table below.

MFI ID  DE03293

European Presence: 8 banks in 8 countries

Santander Consumer Bank AG operates under the brand name Santander Consumer Bank. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Austria

Belgium

Denmark

Germany

  • (this bank) Santander Consumer Bank AG (Mönchengladbach)

Italy

Norway

Poland

Sweden

Defunct Banks: 3 banks in 3 countries

The following banks operating under Santander Consumer Bank brand name has been recently closed down:

Denmark

Norway

Sweden