Santander Consumer Bank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Santander Consumer Bank is a German private bank with more than 30 years of presence in Germany and more than 3 million customers there. It combines mobile banking with branches, telephone and video contact for people who want choice in how they bank.
Key facts
Savings
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Maintains branches across Germany alongside fully digital account opening
- Supports everyday banking through a mobile app for daily needs
- Offers personal contact by branch, telephone and video as chosen
- Draws on more than 30 years of presence in Germany
Cons
- Focuses its branches and services on customers living in Germany
Who it suits
- Residents in Germany wanting branch and digital access
- People seeking personal contact for important financial decisions
- Households interested in a long established German private bank
Who should look elsewhere
- People living outside Germany
How Santander Consumer Bank compares
Where Santander Consumer Bank is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Where is Santander Consumer Bank based and how long has it served Germany?+
The bank has its seat in Mönchengladbach and has served Germany for more than 30 years. It ranks among the large private banks in Germany and serves more than 3 million customers in the country.
Which customers does Santander Consumer Bank serve in Germany?+
The bank supports private individuals with varied financial decisions and daily banking needs. It welcomes people who prefer digital service and those who value branch, telephone or video contact. Its approach adapts banking to different life situations.
How can customers manage everyday banking with Santander Consumer Bank?+
Customers can open and manage accounts fully digitally through the mobile app for everyday use. They can also visit branches across Germany for personal advice on important matters. Telephone and video options provide further choice in how contact happens.
What approach guides Santander Consumer Bank in serving customers?+
Openness guides its service and means banking adapts to life rather than the reverse. It rejects one size fits all banking and stays open to different needs and new possibilities. Customers decide whether contact happens digitally, in branches, by telephone or by video.
Which company operates Santander Consumer Bank?+
Santander Consumer Bank is operated by Openbank Deutschland AG. (Source, checked September 26, 2026)
When was Santander Consumer Bank founded?+
Santander Consumer Bank was founded in 1957. (Source, checked September 26, 2026)
How can I contact Santander Consumer Bank support?+
Santander Consumer Bank offers support through Help-centre. (Source, checked September 26, 2026)
Sources
- santanderconsumer.de checked September 26, 2026
Backs: Founded, Lender type, Loan types, Support channels
“Alle Kredite - Kredit - Autokredit”
- openbank.de checked September 26, 2026
Backs: Headquarters, Legal entity
- santander.de/privatkunden checked September 26, 2026
Backs: Audience
“Studentenkonto”
- santander.de/privatkunden/anlegen-und-sparen/sparen/tages... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Tagesgeld 0,30 % p.a. (variable base rate; Tagesgeld Aktionszins 2,75 % p.a. for the first 4 months)”
- santander.de/privatkunden/konten-und-karten/karten/alle-k... checked September 26, 2026
Backs: Card kind
“Alle Karten - Shopping Kreditkarte, Reise Kreditkarte, Premium Kreditkarte”
- santander.de/privatkunden/konten-und-karten/karten/visa-d... checked September 26, 2026
Backs: Card type, Card network
“Visa Debitkarte”
- santander.de/privatkunden/kredite-und-finanzierungen/alle... checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Purpose
Compiled from 7 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Term, Arrangement fee, Credit check, Funding time, Representative example.