Transaction bank tracked in the Embedded Finance Index. Named by 1 company, as its lending partner. Sells embedded finance as Ebury Connect (Santander group).
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1 company names Santander in their stack. The most common role is lending partner (1). A company can use the same bank for more than one thing. Compare it with what 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 ↗
Santander publishes a developer portal with 3 API products, and 22 aggregators connect to it.
Santander is a 168-year-old Spanish universal bank that has undergone a decade-long digital transformation, moving from a branch-centric model to a multi-market digital banking strategy. The key embedded-finance angle is twofold: internally, Santander built Gravity (a proprietary cloud-native core banking platform) to migrate off mainframes and power Openbank, its fully digital consumer bank brand now expanding globally. Externally, Santander created PagoNxt/Payment Solutions as a standalone paytech business to compete with fintechs in acquiring and BNPL (via Zinia), while its CIB arm partners with SAP and runs SanTradeIQ for corporate treasury. The bank operates its own insurance (Santander Insurance via bancassurance) and lending verticals at scale rather than relying on third-party embedded finance vendors.
Other banks named for PSP 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 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 #494 of 528 in PSP — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/santander/install" width="1" height="1" alt="" style="display:none">1 company is linked to Santander in the Embedded Finance Index 2026, through their own public disclosures or Santander's published customer list, including Santander International.
Santander is a transaction bank. Companies in the Embedded Finance Index 2026 name it as their lending partner (1) and payments & acquiring (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-named PSP alternatives to Santander are Wells Fargo Bank (8 buyers), Fifth Third Bank (7 buyers), JPMorgan (6 buyers), Cross River (5 buyers), Chase Paymentech (4 buyers) and Deutsche Bank (4 buyers).
Santander is founded in 1857 and headquartered in Santander, Spain (corporate HQ: Boadilla del Monte, Madrid, Spain).
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