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Santander Consumer Bank AT review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Santander Consumer Bank AT suits savers who want daily access to their cash and a rate that moves with the market. Its headline rate of 2.25% sits below the site median of 3%, so it reads as an easy access home for money you may need, not a place to chase the highest return.

Key facts

Best for
An Austrian easy access account for cash you want to reach every day.
Headline rate
2.25%↗
Rate type
Variable↗
Term
12 to 120 months↗
Access terms
Täglich verfügbares Tagesgeld (BestFlex)↗
Account kind
Easy access↗
Headquarters
Austria↗
Support channels
Help-centre↗
Pricing model
Fixed rate
Official website
santanderconsumer.at

Loans

Loan amount
€1,500 to €65,000↗
Credit check
Hard↗
Lender type
Direct lender↗
Loan types
Personal, Debt-consolidation↗

Facts checked September 26, 2026, 1 source

Apps and profiles

Elsewhere
LinkedInyoutube.comxing.com

Pros and cons

Pros

  • The account is easy access, with daily available call money rather than a fixed deposit.
  • The rate is variable, so interest can rise or fall with market rates instead of being locked in.
  • Personal and debt consolidation lending of €1,500 to €65,000 sits alongside the savings account.

Cons

  • The 2.25% headline sits under the 3% savings median, and the rate ranking places it 313 of 488.
  • Support runs on help centre only, so anyone who wants to phone a person has no listed route.
  • Borrowing runs a hard credit check, so the lending side is a heavier process than opening savings.
Santander Consumer Bank AT

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Austrian savers who want cash reachable every day rather than tied up.
  • People who are comfortable with a rate that tracks the market instead of a fixed one.
  • Customers who want savings and personal borrowing under one name.

Who should look elsewhere

  • bunq pays 3.01%, so anyone chasing a higher rate should weigh that account first.
  • Wise pays 3.29%, which is more on savings and is built for a different kind of customer.
  • Finteres, listed at 0% to 36%, is the alternative to weigh when a wider headline range matters more than Austrian daily access.

Rates and terms

The headline rate is 2.25% and the rate type is variable, so interest can move as market rates shift rather than staying fixed for the life of the account. Terms run 12 to 120, which gives borrowers a wide spread of repayment windows. Savers get the same variable rate on money they can reach day to day.

Who runs it

The bank is based in Austria, which makes this an Austrian offer carrying Austrian terms. Support runs through help centre content, so day to day help is self served. That suits readers who are happy looking answers up themselves and who accept that the account rules are set by the bank.

How Santander Consumer Bank AT compares

Where Santander Consumer Bank AT is available

Available
Austria

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Santander Consumer Bank AT pay?+

The headline rate is 2.25% and it is variable, so the rate can move as market rates shift instead of being locked. That sits under the 3% median across the savings accounts compared here, which is why this reads as an everyday holding place.

Can I get at my money whenever I want?+

Withdrawals are not tied to a notice period or a fixed term. The account is easy access and the terms describe daily available call money, so money can be reached on the day it is needed.

Where is the bank based and who does it serve?+

The bank is based in Austria, so this is an Austrian savings offer. The rate, the daily access terms and the support routes all belong to that market, which matters for anyone weighing it against a UK account.

How do I get help if something goes wrong?+

Support runs through help centre content, so answers are self served rather than handed over by an adviser on the phone. Anyone who prefers a conversation with a person may find that thin and should check the routes before applying.

Can I borrow from the same brand?+

Yes. The lending side covers personal and debt consolidation loans, with amounts of €1,500 to €65,000 and terms of 12 to 120. Savings and borrowing therefore sit with the same lender, so an existing customer does not have to move money elsewhere to get a loan.

Is there a credit check on the loans?+

A hard credit check runs on applications, which is the full file search most lenders use. Decisions are made on that record, so it pays to check the file before applying rather than after a refusal.

How does the rate compare with other brands?+

On headline rate the account ranks 313 of 488 brands compared here. bunq pays 3.01% and Wise pays 3.29%, so both pay more than 2.25% here. Rate alone is a narrow reason to pick a bank.

Sources

  • santanderconsumer.at checked September 26, 2026

    Backs: Access terms, Account kind, Loan amount, Credit check, Headline rate, Headquarters, Lender type, Loan types, Pricing model, Rate type, Support channels, Term

    “Wunschbetrag € 1.500 ... € 65.000 (Kreditrechner, JetztSofort Kredit)”

Compiled from 1 source page, checked September 26, 2026. We did not open an account.

Not confirmed yet: Minimum deposit, Deposit protection.

Santander Consumer Bank AT

Santander Consumer Bank AT

An Austrian easy access account for cash you want to reach every day.

8.5/10See alternatives