Norway · Financial institution
Santander Consumer Bank AS
Santander Consumer Bank AS is a Norwegian limited liability company and licensed commercial bank with its head office at Lysaker, Norway. It is wholly owned by Open Bank, S.A. (named Santander Consumer Finance, S.A. until 12 May 2026), part of the Banco Santander group. It provides car finance, leasing, consumer loans, deposits and credit-related insurance. It operates in Norway, through branches in Sweden and Denmark, and through a wholly owned subsidiary in Finland.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- Santander
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 1 of 5 · extra capital buffer 1.0% of risk-weighted assets
- On the list since
- 2011
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- BSNONOKKXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under BSNONOKK directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- NBO
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2019-07-06
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Open Bank, S.A. (formerly Santander Consumer Finance, S.A.)
Institution type
Commercial bank
Trades as Santander
- Standing
- The bank's sole shareholder, Santander Consumer Finance, S.A., took the name Open Bank, S.A. on 12 May 2026. This followed its absorption of the former Open Bank, S.A. The bank itself kept its name and licence.
- Ownership
- Open Bank, S.A. (formerly Santander Consumer Finance, S.A.), a subsidiary of Banco Santander, S.A., holds 100% of the shares.
- Direct parent
- Open Bank, S.A. (formerly Santander Consumer Finance, S.A.), Spain 100%
- Ultimate owner
- Banco Santander, S.A., Spain
- Head office
- Strandveien 18, 1366 Lysaker, Norway
- Company register
- 983 521 592, Foretaksregisteret (Brønnøysundregistrene)
- Former name
- Bankia Bank ASA
Business lines
According to its 2025 annual report, auto financing made up 89% of the group's gross loans and unsecured lending 11%, and the group takes deposits in Norway, Sweden and Denmark.
Online
- Websites & references
- santanderconsumer.no ↗
Wikidata Q113774106 ↗ - Official social accounts
- None found
Sources · 10 pages consulted
- santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf
- finanstilsynet.no/nyhetsarkiv/tilsynsrapporter/2026/tilsynsrapport---santander-consumer-bank-as/
- finanstilsynet.no/en/finanstilsynets-registry/details/?id=99138
- openbank.es/en/legal-information-and-claims
- openbank.es/en/merger-openbank-santander-consumer-finance
- santanderconsumer.no/om-oss/presserom/new-ceo-of-santander-nordics
- santanderconsumer.no/
- proff.no/selskap/santander-consumer-bank-as-avd-stavanger/stavanger/banker/IG7ZWGF07ZD
- 1881.no/bank/bank-akershus/bank-lysaker/santander-consumer-bank-as_100816212S2000001/
- live.euronext.com/en/products/equities/company-news/2026-02-24-santander-consumer-bank-results-2025
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Morten Johansson Helland Chief Executive Officer (daglig leder)
- Chair
- Michael Hvidsten Chair of the Board
- Chief financial officer
- Alexander Krupchenko Chief Financial Control Officer
- Executive
- Joaquin Caracuel Barbecho Deputy Chair of the Board
- Executive
- Tina Krogsrud Fjeld Chief Compliance Officer
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Norway
- Financial Supervisory Authority of Norway (Finanstilsynet) Prudential supervisorAML supervisorConductResolution
- Norway
- Norges Bank Central bank
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Investigation
Finanstilsynet published an ICT inspection report on the bank that found deficiencies, including in DORA compliance oversight, data governance and patch management.
finanstilsynet.no ↗ -
Merger / acquisition
The bank's sole shareholder, Santander Consumer Finance, S.A., absorbed Open Bank, S.A. and took the name Open Bank, S.A. on 12 May 2026.
openbank.es ↗ -
Leadership
Former chief executive Michael Hvidsten became chair of the board on 25 February 2025.
santanderconsumer.no ↗ -
Leadership
Morten Helland succeeded Michael Hvidsten as chief executive officer on 1 December 2024.
santanderconsumer.no ↗ -
Other
The bank completed the sale of its Norwegian and Swedish credit card portfolio to Avida Finans on 31 December 2024.
santanderconsumer.no ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- BSNONOKKXXX
- How the BIC breaks down
- BSNOBank
- NOCountry · Norway
- KKLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300A08LH2961IPN13
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Norway · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · Santander list of 2025
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 2001
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- Open Bank Sociedad Anonima · Spain5493000LM0MZ4JPMGM90 ↗
- Ultimate parent
- Banco Santander S.A. · Spain5493006QMFDDMYWIAM13 ↗
- FSB G-SIB list
- In a G-SIB group · Santander bucket 1 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The Banco Santander S.A. group has 97 institutions in the directory, in 36 countries: 88 hold a BIC and 9 do not.
Including Banco Santander S.A, Banco Santander Totta, SA, Banco Santander S.A, Banco Santander S.A, Banco Santander S.A. (France).
See the Banco Santander S.A. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- STRANDVEIEN 18 LYSAKER 1366 NORWAY
- Operational address
- STRANDVEIEN 18 LYSAKER 1366 LYSAKER NORWAY
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>BSNONOKKXXX</BICFI>
<LEI>549300A08LH2961IPN13</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>BSNONOKKXXX</BICFI>
<LEI>549300A08LH2961IPN13</LEI>
<Nm>SANTANDER CONSUMER BANK AS</Nm>
<PstlAdr>
<TwnNm>LYSAKER</TwnNm>
<Ctry>NO</Ctry>
<AdrLine>STRANDVEIEN 18 LYSAKER 1366</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28 · NBO participant list of 2026-06-25
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| NBO (Norges Bank settlement system, Norwegian krone)ISO 20022 messages | — | Head office | — |
The NBO participant list gives no joining date.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: Norges Bank, Participants in NBO.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Interbrand (Madrid office) [ 1 ] · Public domain · Wikimedia Commons · original.
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