Transaction bank tracked in the Embedded Finance Index. Named by 3 companies, most often as their banking-as-a-service. Sells embedded finance as Ebury Connect (Santander group).
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3 companies name Banco Santander in their stack. The most common role is banking-as-a-service (1). A company can use the same bank for more than one thing. Compare it with what Banco Santander says it sells, below.
Santander has no bank-branded BaaS product. It embeds through group businesses: Ebury Connect puts cross-border payments and FX into corporate ERPs and fintech products, Getnet Platforms (PagoNxt) sells payments-hub and SWIFT infrastructure to other institutions, and Santander CIB exposes payment APIs.
“the group's SME cross-border payments platform and a key source of product innovation”santander.com ↗
Founded in 1857 as a trade-finance bank between Spain and the Americas, Santander evolved into a global retail bank across 9 core markets. Beginning around 2021 the group pivoted from country-siloed operations to five global platforms — most notably Payment Solutions (Global Cards + PagoNxt) — and started monetizing its infrastructure by opening it up to the market: PagoNxt runs Payments Hub as SaaS, Getnet aggregates LatAm merchant acquiring under a single integration, and Plard is a global cloud-native card issuing platform. In parallel Openbank/Consumer Finance built Zinia to reclaim BNPL share from fintechs. Gravity, the internally built cloud core, is central to the modernization thesis.
Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for Banco Santander’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
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alt="Ranked #129 of 201 in Sponsor Bank — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/banco-santander/install" width="1" height="1" alt="" style="display:none">3 companies disclose Banco Santander in their stack in the Embedded Finance Index 2026, including Superdigital, F1RST Digital Services and Santander.
Banco Santander is a transaction bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (1), card issuer (1) and sponsor bank (1).
Yes, as Ebury Connect (Santander group). Santander has no bank-branded BaaS product. It embeds through group businesses: Ebury Connect puts cross-border payments and FX into corporate ERPs and fintech products, Getnet Platforms (PagoNxt) sells payments-hub and SWIFT infrastructure to other institutions, and Santander CIB exposes payment APIs.
The most-disclosed Sponsor Bank alternatives to Banco Santander are Evolve Bank & Trust (101 buyers), Sutton Bank (65 buyers), Cross River (64 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).
Banco Santander is founded in 1857 and headquartered in Boadilla del Monte, Madrid, Spain.
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