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Banco Santander — Spanish global bank headquartered in Boadilla del Monte, supervised by Banco de Espana and the ECB, with a flagship retail franchise across Spain, the UK, the US and Latin America.

HQ
Boadilla del Monte / Santander
Customers
168M+ customers worldwide
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Banco Santander current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Banco Santander are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Banco Santander account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Read by Bank AI

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Mercadona
  • Carrefour
  • Lidl
  • El Corte Ingles
  • Renfe
  • Repsol
  • Cepsa
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Movistar+
  • Disney+
  • Movistar
  • Vodafone Espana

  • How much sits across my Santander cuenta corriente and any pension plans today?
  • Compare my Santander card spend at Mercadona and Carrefour with last quarter.
  • List every recurring Movistar, Vodafone and Movistar+ payment on my Santander account.
  • What's the next direct debit due on my Santander account?

Does Bank AI move money on my Banco Santander account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Banco Santander. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Banco Santander app.

How does Bank AI connect to Banco Santander?

Banco Santander exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Is Openbank the same as Santander?

Openbank is Banco Santander's digital-direct subsidiary. Bank AI reads each one as its own connection so an Openbank account and a Banco Santander branch relationship stay distinct.

Does Bank AI surface my Santander Cuenta 1|2|3 and Cuenta Online?

Yes. The connection is at account level - 1|2|3, Cuenta Online and other variants are read identically. Tier-specific monthly fees are detected as recurring outflows.

What about my Santander Plan de Pensiones?

Where Santander exposes pension-plan positions via PSD2, balances and contribution flows are surfaced alongside the cuenta corriente. Tax-advantaged contribution caps remain visible.

What happens if Banco Santander raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Banco Santander-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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