--- title: "Santander Consumer Bank AS SWIFT/BIC code BSNONOKKXXX · Norway | Elucidate" description: "In the Santander G-SIB group (FSB bucket 1). SWIFT/BIC code BSNONOKKXXX for Santander Consumer Bank AS, Norway. Head-office BIC, LEI 549300A08LH2961IPN13." url: https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk --- 1. [Directory](https://elucidate.co/directory) 2. [Norway](https://elucidate.co/directory/country/no) 3. Santander Consumer Bank AS ![Santander logo](https://elucidate.co/images/banks/53/534c5dd30d6a7c7e.webp) 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. FSB G-SIB list 2025 1 Bucket 1 of 5 · listed since 2011 In a G-SIB group · Santander [FSB 2025 list ↗](https://www.fsb.org/2025/11/2025-list-of-global-systemically-important-banks-g-sibs/) [What is a G-SIB? ↗](https://www.fsb.org/work-of-the-fsb/market-and-institutional-resilience/post-2008-financial-crisis-reforms/ending-too-big-to-fail/global-systemically-important-financial-institutions-g-sifis/) BIC **BSNONOKKXXX** LEI **[549300A08LH2961IPN13](https://search.gleif.org/#/record/549300A08LH2961IPN13)** Licence no. **Not on a tracked register** Connected to Swift Head-office BIC only [Group: Banco Santander S.A.](https://elucidate.co/directory/group/5493006QMFDDMYWIAM13) [Claim this profile](https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk#claim) ## 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 Swift - **Swift GPI:** Not on the member list - **Payment schemes and systems:** [NBO](https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk#schemes) - **Branch codes:** None: head-office BIC only - **Other BICs with this LEI:** [BSNOSESS](https://elucidate.co/directory/santander-consumer-bank-as-norge-sverige-filial-bsnosess) · [SAODDK21](https://elucidate.co/directory/santander-consumer-bank-filial-af-santander-consumer-bank-as-norge-saoddk21) - **BIC first registered:** 2019-07-06 - **Last updated:** 2022-02-14 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk#overview-sources) Total assets NOK 193.4bn This entity · 31 Dec 2025 · [annual report ↗](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) Employees 1,054 headcount · This entity · 31 Dec 2025 · [annual report ↗](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) 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.)](https://elucidate.co/directory/santander-consumer-finance-scfbesmm), 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 - Consumer finance - Leasing & factoring - Retail banking - Insurance 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 ↗](https://www.santanderconsumer.no/) [Wikidata Q113774106 ↗](https://www.wikidata.org/wiki/Q113774106) - **Official social accounts:** None found Sources · 10 pages consulted 1. [santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) 2. [finanstilsynet.no/nyhetsarkiv/tilsynsrapporter/2026/tilsynsrapport---santander-consumer-bank-as/](https://www.finanstilsynet.no/nyhetsarkiv/tilsynsrapporter/2026/tilsynsrapport---santander-consumer-bank-as/) 3. [finanstilsynet.no/en/finanstilsynets-registry/details/?id=99138](https://www.finanstilsynet.no/en/finanstilsynets-registry/details/?id=99138) 4. [openbank.es/en/legal-information-and-claims](https://www.openbank.es/en/legal-information-and-claims) 5. [openbank.es/en/merger-openbank-santander-consumer-finance](https://www.openbank.es/en/merger-openbank-santander-consumer-finance) 6. [santanderconsumer.no/om-oss/presserom/new-ceo-of-santander-nordics](https://www.santanderconsumer.no/om-oss/presserom/new-ceo-of-santander-nordics) 7. [santanderconsumer.no/](https://www.santanderconsumer.no/) 8. [proff.no/selskap/santander-consumer-bank-as-avd-stavanger/stavanger/banker/IG7ZWGF07ZD](https://www.proff.no/selskap/santander-consumer-bank-as-avd-stavanger/stavanger/banker/IG7ZWGF07ZD) 9. [1881.no/bank/bank-akershus/bank-lysaker/santander-consumer-bank-as\_100816212S2000001/](https://www.1881.no/bank/bank-akershus/bank-lysaker/santander-consumer-bank-as_100816212S2000001/) 10. [live.euronext.com/en/products/equities/company-news/2026-02-24-santander-consumer-bank-results-2025](https://live.euronext.com/en/products/equities/company-news/2026-02-24-santander-consumer-bank-results-2025) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk#overview-sources) - **Chief executive:** Morten Johansson Helland Chief Executive Officer (daglig leder) Confirmed 29 Sep 2026 · [1881.no ↗](https://www.1881.no/bank/bank-akershus/bank-lysaker/santander-consumer-bank-as_100816212S2000001/) - **Chair:** Michael Hvidsten Chair of the Board Confirmed 29 Sep 2026 · [proff.no ↗](https://www.proff.no/selskap/santander-consumer-bank-as-avd-stavanger/stavanger/banker/IG7ZWGF07ZD) - **Chief financial officer:** Alexander Krupchenko Chief Financial Control Officer Confirmed 24 Feb 2026 · [santanderconsumer.no ↗](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) - **Executive:** Joaquin Caracuel Barbecho Deputy Chair of the Board Confirmed 24 Feb 2026 · [santanderconsumer.no ↗](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) - **Executive:** Tina Krogsrud Fjeld Chief Compliance Officer Confirmed 24 Feb 2026 · [santanderconsumer.no ↗](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) ## Supervisors & regulators Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk#overview-sources) - **Norway:** Financial Supervisory Authority of Norway (Finanstilsynet) Prudential supervisor AML supervisor Conduct Resolution - **Norway:** Norges Bank Central bank ## Recent events 1 enforcement or investigation item Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk#overview-sources) 1. Jul 2026 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 ↗](https://www.finanstilsynet.no/nyhetsarkiv/tilsynsrapporter/2026/tilsynsrapport---santander-consumer-bank-as/) 2. May 2026 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 ↗](https://www.openbank.es/en/legal-information-and-claims) 3. Feb 2025 Leadership Former chief executive Michael Hvidsten became chair of the board on 25 February 2025. [santanderconsumer.no ↗](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) 4. Dec 2024 Leadership Morten Helland succeeded Michael Hvidsten as chief executive officer on 1 December 2024. [santanderconsumer.no ↗](https://www.santanderconsumer.no/om-oss/presserom/new-ceo-of-santander-nordics) 5. Dec 2024 Other The bank completed the sale of its Norwegian and Swedish credit card portfolio to Avida Finans on 31 December 2024. [santanderconsumer.no ↗](https://www.santanderconsumer.no/contentassets/h-492ca9/3ddaf08d3b884e5f9a9235abbcf30532/annual-report-2025.pdf) 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:** 1. BSNO Bank 2. NO Country · Norway 3. KK Location 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 549300A08LH2961IPN13 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300A08LH2961IPN13) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Profile - **Type:** Financial institution - **Regulation:** Not on a tracked register - **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](https://elucidate.co/directory/santander-consumer-bank-as-bsnonokk#regulatory) 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](https://elucidate.co/directory/santander-consumer-finance-scfbesmm) · Spain[5493000LM0MZ4JPMGM90 ↗](https://search.gleif.org/#/record/5493000LM0MZ4JPMGM90) - **Ultimate parent:** [Banco Santander S.A.](https://elucidate.co/directory/banco-santander-s-a-bschesmm) · Spain[5493006QMFDDMYWIAM13 ↗](https://search.gleif.org/#/record/5493006QMFDDMYWIAM13) - **FSB G-SIB list:** [In a G-SIB group · Santander](https://elucidate.co/directory/group/5493006QMFDDMYWIAM13) bucket 1 · 2025 list GLEIF 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](https://elucidate.co/directory/banco-santander-s-a-bschesmm), [Banco Santander Totta, SA](https://elucidate.co/directory/banco-santander-totta-sa-totaptpl), [Banco Santander S.A](https://elucidate.co/directory/banco-santander-s-a-bschgb22), [Banco Santander S.A](https://elucidate.co/directory/banco-santander-s-a-bschgb2l), [Banco Santander S.A. (France)](https://elucidate.co/directory/banco-santander-s-a-france-bschfrpp). [See the Banco Santander S.A. group →](https://elucidate.co/directory/group/5493006QMFDDMYWIAM13) 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 ```xml BSNONOKKXXX 549300A08LH2961IPN13 ``` ### 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 ```xml BSNONOKKXXX 549300A08LH2961IPN13 SANTANDER CONSUMER BANK AS LYSAKER NO STRANDVEIEN 18 LYSAKER 1366 ``` 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. ## Related institutions ### Same legal entity - [Santander Consumer Bank AS Norge, Sverige Filial BIC BSNOSESS Financial institution Not on a tracked register Sweden · Not on a tracked register · LEI 549300A08LH2961IPN13](https://elucidate.co/directory/santander-consumer-bank-as-norge-sverige-filial-bsnosess) - [Santander Consumer Bank, Filial Af Santander Consumer Bank AS, Norge BIC SAODDK21 Financial institution Not on a tracked register Denmark · Not on a tracked register · LEI 549300A08LH2961IPN13](https://elucidate.co/directory/santander-consumer-bank-filial-af-santander-consumer-bank-as-norge-saoddk21) Other BICs mapped to the same LEI. ### Subsidiaries in the directory - [Santander Consumer Finance OY BIC SAOCFIH1 Non-financial corporate Not on a tracked register Finland · Not on a tracked register · LEI 549300SLV66NW0DI7312](https://elucidate.co/directory/santander-consumer-finance-oy-saocfih1) Entities that GLEIF records with this LEI as their direct parent. ### Same group - [Banco Santander S.A BIC BSCHESMM Credit institution Prudential licence Spain · On the ECB list of supervised entities · LEI 5493006QMFDDMYWIAM13](https://elucidate.co/directory/banco-santander-s-a-bschesmm) - [Banco Santander Totta, SA BIC TOTAPTPL Credit institution Prudential licence Portugal · On the ECB list of supervised entities · LEI 549300URJH9VSI58CS32](https://elucidate.co/directory/banco-santander-totta-sa-totaptpl) - [Banco Santander S.A. (France) BIC BSCHFRPP Credit institution Prudential licence France · On the FSB G-SIB list · LEI 894500NTXK2L5DK8ST13](https://elucidate.co/directory/banco-santander-s-a-france-bschfrpp) - [Getnet Emoney Ede Sl BIC PAGOES22 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6722 (EBA-PSD2) · LEI 254900KRBS1LY7YOHY21](https://elucidate.co/directory/getnet-emoney-ede-sl-pagoes22) - [Openbank Deutschland Aktiengesellschaft BIC SCFBDE33 Credit institution Prudential licence Germany · On the ECB list of supervised entities · LEI 5299002CRNX7K6KOL397](https://elucidate.co/directory/openbank-deutschland-aktiengesellschaft-scfbde33) - [Santander Investment S.A. BIC SABNESMM Credit institution Prudential licence Spain · On the ECB list of supervised entities · LEI 959800PF0SJV8TSAB140](https://elucidate.co/directory/santander-investment-s-a-sabnesmm) - [Banco de Albacete S.A. BIC ALACESM1 Credit institution Prudential licence Spain · On the ECB list of supervised entities · LEI 959800MZYB6CKWA9K382](https://elucidate.co/directory/banco-de-albacete-s-a-alacesm1) - [Banco Santander, S.A. Shanghai Branch BIC BSCHCNSH Credit institution Prudential licence China · On the FSB G-SIB list · LEI 300300C1136231000023](https://elucidate.co/directory/banco-santander-s-a-shanghai-branch-bschcnsh) [All 97 institutions in the Banco Santander S.A. group →](https://elucidate.co/directory/group/5493006QMFDDMYWIAM13) ### Largest institutions in Norway - [Storebrand Asset Management AS BIC STKTNOK1 Financial institution Not on a tracked register Norway · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/storebrand-asset-management-as-stktnok1) - [Norges Bank BIC NBHKNOKK Financial institution Not on a tracked register Norway · Not on a tracked register · LEI 549300O6E2WAK3IAXE34](https://elucidate.co/directory/norges-bank-nbhknokk) - [Livsforsikrinsselskapet Nordea Liv Norge AS BIC LNLNNOB2 Financial institution Not on a tracked register Norway · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/livsforsikrinsselskapet-nordea-liv-norge-as-lnlnnob2) - [Livsforsikringsselskapet Nordea Liv Norge AS BIC LINLNOK1 Financial institution Not on a tracked register Norway · Not on a tracked register · LEI 5299005TCAEGOHRI6930](https://elucidate.co/directory/livsforsikringsselskapet-nordea-liv-norge-as-linlnok1) - [Sparebank 1 Sor-Norge ASA BIC SPRONO22 Financial institution Not on a tracked register Norway · Not on a tracked register · LEI 549300Q3OIWRHQUQM052](https://elucidate.co/directory/sparebank-1-sor-norge-asa-sprono22) - [Danske Bank BIC DABANO22 Financial institution Not on a tracked register Norway · Not on a tracked register · LEI MAES062Z21O4RZ2U7M96](https://elucidate.co/directory/danske-bank-dabano22) - [Nordea Bank Abp Nuf BIC NDEANOKK Credit institution Prudential licence Norway · On the ECB list of supervised entities · LEI 529900ODI3047E2LIV03](https://elucidate.co/directory/nordea-bank-abp-nuf-ndeanokk) - [DNB Bank ASA BIC DNBANOKX Financial institution Not on a tracked register Norway · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/dnb-bank-asa-dnbanokx) [See every BIC in Norway →](https://elucidate.co/directory/country/no#bics) Claim this profile ## Work at Santander Consumer Bank AS? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. 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 →](https://elucidate.co/directory/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](https://commons.wikimedia.org/wiki/File:Banco_Santander_Logotipo.svg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/b/b8/Banco_Santander_Logotipo.svg/330px-Banco_Santander_Logotipo.svg.png?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail). ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.