Leasing provider

Santander Consumer Finance

Santander Consumer Finance is the consumer and auto finance arm of Banco Santander, active in Europe through national subsidiaries and branches. Its vehicle leasing and renting business for companies is run by national units such as Santander Consumer Renting (Spain and Italy), Santander Consumer Multirent (Poland), Santander Leasing (Netherlands and Sweden), Openbank Deutschland (Germany) and Santander Consumer Finance (Finland, Denmark, France, Portugal, Norway). The group is in the middle of merging with Openbank, and some legal names and web domains are changing.

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Company facts

Type
Bank-owned
Rank
#19 of the leasing companies in this directory, by countries covered
Parent group
Banco Santander
Legal name
Open Bank, S.A. (formerly Santander Consumer Finance, S.A.)
Headquarters
Avda. de Cantabria s/n, Edificio 4 Norte-Dehesa, 28660 Boadilla del Monte (Madrid)
Founded
2001
Brands
Santander Consumer Finance, Santander Consumer Bank, Santander Renting, Santander Consumer Renting, Santander Leasing, Santander Consumer Multirent, Santander Consumer Contract Hire, Openbank Leasing (DE, formerly Santander Consumer Leasing)
Website
santanderconsumer.com
LinkedIn
LinkedIn page
Associations
AER, Finans og Leasing, Finfo (Finansieringsselskapenes Forening), Mobility Denmark

What they offer

Products
  • Full-service lease
  • Operating lease
  • Finance lease
  • Mid-term rental
  • Private lease
Vehicles
  • Cars
  • Vans (LCV)
Extra services
  • Maintenance
  • Tyres
  • Insurance
  • Roadside assistance
  • Replacement vehicle
  • Fines handling
  • Fuel card
Minimum fleet
not stated at group level
Electric vehicles
EV financing in the shared portfolio (see facts); no group-level EV leasing offer page reviewed yet

Countries (12)

Santander Consumer Finance serves business fleets in: Denmark, Finland, France, Germany, Italy, Netherlands, Norway, Poland, Portugal, Spain, Sweden, United Kingdom.

Denmark

Local entity
Santander Consumer Bank, filial af Santander Consumer Bank AS, Norge
Status
Own entity, verified
Address
Stamholmen 149, 5. sal, 2650 Hvidovre
Phone
70 21 90 11
Email
kundeservice@santanderconsumer.dk
Business offer
Business leasing page
Services
  • Operating lease
  • Finance lease
Vehicles
  • Cars
Customers
  • Corporate
  • SME
Operational leasing for companies
Fixed monthly fee, no sale of the car at the end; km limit agreed in the contract; company pays for damage to the car source
Business car loan down payment
Minimum 20% down payment on the business car purchase contract (not for used-car-dealer 'gulpladebiler') source
Business channel
Companies ask their car dealer for a Santander offer; partner dealers arrange the quote source

Finland

Local entity
Santander Consumer Finance Oy
Status
Own entity, verified
Address
Risto Rytin tie 33, 00570 Helsinki
Phone
+358 9 8564 5100
Email
yritysasiakas@santanderconsumer.fi
Business offer
Business leasing page
Services
  • Full-service lease
  • Finance lease
Vehicles
  • Cars
Customers
  • Corporate
  • SME
Contract length
Huoltoleasing 2-4 years, with agreed km; Rahoitusleasing 2-4 years, no km limits source
First payment
Huoltoleasing: first rent typically 10-20% (mahdollinen ensimmäinen vuokra on 10-20 %) source
Fee schedule (service price list, incl. VAT 25.5%)
Contract change 160 EUR; transfer 320 EUR; registration cost 30 EUR; sale commission 2.5% of sale price + VAT (min 600 EUR + VAT); car transport 202-607 EUR by distance from Helsinki. Fees, not monthly prices. source

France

Local entity
Open Bank, S.A., succursale en France
Status
Own entity, verified
Address
26, Quai Charles Pasqua, 92300 Levallois-Perret
Phone
01 57 32 90 83
Email
client@santanderconsumer.fr
Business offer
Business leasing page
Services
  • Finance lease
Vehicles
  • Cars
Customers
  • Corporate
  • SME
Crédit-bail: end of contract
Choose at the end: buy the car at the purchase option set at signature, or return the car source
Crédit-bail ballon
Balloon (purchase option) fixed at the start and paid to keep the car; rents are lower than a standard crédit-bail source
Tax treatment (site claim)
Crédit-bail rents are presented as operating expenses deductible within legal limits, and the lease is off balance sheet source

Germany

Local entity
Openbank Deutschland AG
Status
Own entity, verified
Address
Santander-Platz 1, 41061 Mönchengladbach
Phone
02161 9060-599
Email
impressum@openbank.de
Business offer
Business leasing page
Services
  • Operating lease
  • Finance lease
  • Full-service lease
Vehicles
  • Cars
Customers
  • Corporate
  • SME
  • Private
Kilometerleasing Gewerbekunden
Fixed km allowance per year agreed in the contract; excess km paid at the end, saved km credited (up to a contractual limit, usually 10,000 km per the terms) source
Restwertleasing Gewerbekunden
Monthly rates on the depreciation to a calculated residual value; the lessee guarantees the residual; the lessor may call the car at the residual value (Andienungsrecht) for business contracts source
Sales channel
Partner dealers (Händler-Partner) sell the leasing; the dealer applies and handles contract changes above or below the 20% km threshold source
Use abroad
Car may be used in the EU mainland, the UK and Ireland; longer use outside that area needs the lessor's written consent source
Award claim on the mobility page
'Zum 17. Mal beste Autobank' in the Autobanken-Wettbewerb 2022 of markt intern (survey of medium-sized car dealers). Dealer-channel award, not a fleet award. source
Driver app reference
The leasing FAQ refers app questions to a third-party provider (Drivers Inside app, operated by Holman) and to the DKV tank-card app; the lessor's own driver app was not seen source

Italy

Local entity
Santander Consumer Renting S.r.l.
Status
Own entity, verified
Address
Via Giovanni Caproni 1, 39100 Bolzano
Phone
800 919 200
Email
servizioclienti@santanderconsumerrenting.it
Business offer
Business leasing page
Services
  • Full-service lease
Vehicles
  • Cars
  • Vans (LCV)
Customers
  • Corporate
  • SME
  • Private
Prices
3 advertised business offers, from €249/month excl. VAT (MG MG3) source
Founded locally
Santander Renting was set up in 2022 to offer long-term rental (site wording: 'nata nel 2022') source
Target customers
Private customers, sole traders (ditte individuali) and companies (site wording on the target page) source
Vehicles
Cars and commercial vehicles of all brands; hybrids listed; used-vehicle rental is also offered (linked from the home page) source
Contact centre
Toll-free 800 919 200, 7 days a week, 24 hours (from abroad +39 011 6318050) source
App
Santander Renting app (iOS and Android): workshop search and booking, tax receipts, contract terms source
Business leasing sister entity
Santander Consumer Bank S.p.A. (Torino, P.IVA 12357110019) offers car finance leasing (leasing auto) for companies and liberi professionisti, with deductible instalments and deductible VAT; not a renting contract source

Netherlands

Local entity
Santander Leasing B.V.
Status
Own entity, verified
Address
De Waterman 7-a, 5215 MX 's-Hertogenbosch
Phone
+31 (0)73 850 47 50
Email
info@santanderleasing.nl
Business offer
Business leasing page
Services
  • Full-service lease
  • Operating lease
  • Finance lease
  • Private lease
Vehicles
  • Cars
  • Vans (LCV)
Customers
  • Corporate
  • SME
  • Private
Prices
3 advertised business offers, from €418/month excl. VAT (Ford Puma) source
Full Operational Lease
Fixed monthly amount covering the financing and operating costs, including fleet management; regular reviews of the mobility needs (site wording) source
24/7 service
Site states that lessees have 24/7 Santander Leasing service backed by the inside team source
Documents for a business lease
Recent KvK extract, latest annual accounts, copy of signatory ID, IBAN, VAT number, invoice email, lessee and fleet-manager contact details source
Industry membership
VNA member (Vereniging van Nederlandse Autoleasemaatschappijen) source

Norway

Local entity
Santander Consumer Bank AS
Status
Own entity, verified
Address
Strandveien 18, 1325 Lysaker
Phone
+47 21 08 34 00
Email
kundeservice.naering@santanderconsumer.no
Business offer
Business leasing page
Services
  • Operating lease
Vehicles
  • Cars
Customers
  • Corporate
  • SME
Business customer channel
Companies apply through a partner dealer; the Næring line 210 83 400 and kundeservice.naering mailbox handle questions source
Typical first payment
Typically 10% of the car price (stated as typical, can vary); not a deposit source
VAT treatment
Business leasing payments are described as deductible for the leasing service and VAT (fradrag på både leasingtjenesten og mva) source

Poland

Local entity
Santander Consumer Multirent Spółka z o.o.
Status
Own entity, verified
Address
ul. Legnicka 48B, 54-202 Wrocław
Phone
71 330 96 65
Email
bok@scmultirent.pl
Business offer
Business leasing page
Services
  • Full-service lease
  • Operating lease
Vehicles
  • Cars
Customers
  • Corporate
  • SME
Prices
5 advertised business offers, from €380/month excl. VAT (JAECOO J7) source
Long-term rental terms
24 to 48 months; up to 60,000 km per year; up to 180,000 km over the contract; deposit 0-30% of car value source
Registered office and legal form
Santander Consumer Multirent Spółka z o.o., ul. Legnicka 48 B, 54-202 Wrocław (privacy policy, section 1) source
Business customer service hours
Klient firmowy: Mon-Fri 8.00-17.00 source

Portugal

Local entity
Santander Consumer Finance S.A. - Sucursal em Portugal
Status
Own entity, verified
Address
Rua de Cantabria, 42 - Edificio 2, 2775-711 Carcavelos
Phone
309 820 820
Email
clientes@santanderconsumer.pt
Business offer
Business leasing page
Services
  • Full-service lease
Vehicles
  • Cars
  • Vans (LCV)
Customers
  • Corporate
  • SME
Contract term
25 to 72 months source
Mileage
10,000 to 200,000 km, depending on term and model source
Vehicles
New vehicles source
First instalment
Normally one instalment, can be more source
Damage manuals
Published damage manuals for light vehicles, commercial vehicles and Free2Move Lease source
Price schedule
Renting fee schedule (Preçario de Renting, SCS, March 2026): e.g. total-loss claims handling EUR 150.00, early termination admin EUR 250.00, all plus IVA; fees, not monthly rents source
Customer service
Customer line 309 820 820 (Mon-Fri 9:00-19:00, national landline rate); email clientes@santanderconsumer.pt source

Spain

Local entity
Santander Consumer Renting, S.L.
Status
Own entity, verified
Address
Avda. de Cantabria, s/n, 28660 Boadilla del Monte
Phone
+34 900 108 897
Email
scgarenting@santanderconsumer.com
Business offer
Business leasing page
Services
  • Full-service lease
Vehicles
  • Cars
  • Vans (LCV)
Customers
  • Corporate
  • SME
  • Private
Prices
12 advertised business offers, from €285/month excl. VAT (Kia Xceed) source
Contract term
24 to 72 months source
Mileage
10,000 km per year in the published offers; the final km are regularised at the end of the contract on lifetime km (FAQ) source
Target customers
SMEs, autonomos and private customers; no Santander bank customer needed source
Distribution
Banco Santander distributes car renting and receives a commission; it is not the lessor source
Customer service
Renting customer line 900 108 897 (also listed as the foreign-travel authorisation line); renting contact +34 912 053 489 source
Vehicle delivery
Delivery at the agreed dealer, or at the customer's address as an additional service source

Sweden

Local entity
Santander Leasing AB
Status
Own entity, verified
Address
Boplatsgatan 8, 213 76 Malmö
Phone
040 94 75 40
Email
kontakt@support.santanderleasing.se
Business offer
Business leasing page
Services
  • Full-service lease
  • Finance lease
  • Fleet management
  • LCV & truck leasing
Vehicles
  • Cars
  • Vans (LCV)
Customers
  • Corporate
  • SME
Athlon Sweden renamed Santander Leasing AB
Athlon Sverige AB sold to Santander Consumer Finance; Athlon Sweden AB renamed Santander Leasing AB on 1 March 2024 (press release dated 26 February 2024) source
Recent partnerships (press page)
Santander Leasing and Kia Sweden: corporate leasing simplified (1 July 2026); spektr partnership (19 January 2026); Wismo Group partnership (3 December 2025); Santander Used Cars with AutoRemarketing as first Nordic partner (28 March 2025) source
Service network
Service and repair booked via Mekonomen Fleet or MECA Fleet booking portal, or an approved workshop source
Support hours
Office hours Monday-Friday 08.30-16.30; out-of-hours help for lost fuel card, breakdown or damage that stops driving source
Legal entity
Santander Leasing AB Sverige, org.nr 556667-9097, postal address Box 18078, 200 32 Malmö (footer) source

United Kingdom

Local entity
Santander Consumer (UK) plc
Status
Own entity, verified
Address
Santander House, 86 Station Road (registered office), RH1 1SR Redhill
Business offer
Business leasing page
Services
  • Operating lease
  • Finance lease
Vehicles
  • Cars
  • Vans (LCV)
Customers
  • Corporate
  • SME
  • Private
Contract Hire term
Up to 48 months; minimum usually 24 months; initial rental of 3 to 6 monthly rentals may be required; excess-mileage charge at end of term source
VAT on business rentals
Business customers may be able to reclaim VAT on the rental payments; the site advises checking with an accountant. No VAT basis given for the monthly rental figures (no prices on the page). source
Commercial vehicle Lease Purchase
Lease Purchase 12 to 60 months and with a balloon 12 to 48 months for commercial vehicles; the customer becomes the legal owner at the end source
Regulatory status
Authorised and regulated by the FCA for finance agreements and general insurance mediation; Firm Reference Number 444327 source

Sources (73)

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