Spain · Credit institution

Santander Consumer Finance

Legal name in the LEI recordOPEN BANK SOCIEDAD ANONIMA

BICSCFBESMMXXX LEI5493000LM0MZ4JPMGM90 Registration no.5493000LM0MZ4JPMGM90 Connected to Swift In a G-SIB group · Santander ECB significant institution Head-office BIC only Group: Banco Santander S.A. Claim this profile

Licences and registrations

Held by Open Bank Sociedad Anonima (LEI 5493000LM0MZ4JPMGM90). The ESMA interim MiCA register lists this LEI as a crypto-asset service provider. No other register entry is matched to it.

Licences belong to the legal entity, not to a BIC.
Each licence applies in the country of the regulator that granted it.
Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.

ESMA interim MiCA register

The entry that gives this LEI as the registration number

Name on the register	Jurisdiction	Registration number
OPEN BANK S.A.	Spain	5493000LM0MZ4JPMGM90

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

ECB banking supervision

List of supervised entities as of 2026-07-01

Classification: Significant institution
Supervisor: European Central Bank (direct supervision)
Listed as: Open Bank, S.A.
Entity type: Credit institution
Supervised group (ECB): Banco Santander, S.A. →
Why significant: Size (Total assets above EUR 1,000 bn)

European registers

ECB · monetary financial institutions

List as at 2026-09-25

Category: Credit institution
Minimum reserves: Subject to minimum reserves
Listed as: OPENBANK, S.A.
RIAD code: ES0224

ESMA · MiFID II register

Entry	Competent authority	Authorised	Services or instruments
Investment services (MiFID II)	Comisión Nacional del Mercado de Valores (CNMV)	1964-07-14	A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7

Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.

Entries are matched on the LEI. Each register is quoted as its publisher lists it.

Swift network

Swift’s ISO 9362 BIC directory

BIC: SCFBESMMXXX head office
Connection to Swift: Connected to Swift
Swift GPI: Not on the member list
Payment schemes and systems: TIPS
Branch codes: None: head-office BIC only
BIC first registered: 2001-03-03
Last updated: 2025-07-20

Identifiers

Head-office record

BIC: SCFBESMMXXX
How the BIC breaks down: SCFBBank

ESCountry · Spain

MMLocation

XXXBranch · head office
Branch description: Not recorded in the directory
LEI: 5493000LM0MZ4JPMGM90
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.
National bank code: Código de entidad (NRBE) 0073

Profile

Type: Credit institution
Regulation: Prudentially supervised (ECB list)
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: Spain · Europe & Central Asia
FSB G-SIB list: In a G-SIB group · Santander list of 2025
Banking supervision: Significant · supervised by the ECB as of 2026-07-01
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: 1963

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.

Ownership and group

GLEIF relationship records

Direct 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: AV CANTABRIA S/ N EDIFICIO ARRECIFE BOADILLA DEL MONTE (MADRID) 28660 SPAIN
Operational address: CIUDAD GRUPO SANTANDER AVENIDA DE CANTABRIA S/ N MADRID 28660 MADRID SPAIN

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>SCFBESMMXXX</BICFI>
  <LEI>5493000LM0MZ4JPMGM90</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>SCFBESMMXXX</BICFI>
  <LEI>5493000LM0MZ4JPMGM90</LEI>
  <Nm>SANTANDER CONSUMER FINANCE</Nm>
  <PstlAdr>
    <TwnNm>MADRID</TwnNm>
    <Ctry>ES</Ctry>
    <AdrLine>AV CANTABRIA S/ N EDIFICIO ARRECIFE BOADILLA DEL MONTE (MADRID) 28660</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

Scheme or system	Since	Registered with	Note
TIPS (TARGET Instant Payment Settlement)ISO 20022 messages	—	Head office	—

TIPS entries have no joining date.

The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.

“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.

National bank codes

Código de entidad (NRBE) · Spain

1 code file of 2026-09-24

Code	Routes to BIC	Name in the national file	City
0073	SCFBESMMXXX	OPEN BANK, S.A.	BOADILLA DEL MONTE

Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.

About

From Wikidata, matched on this institution's BIC or LEI

Founded: 1963
Headquarters: Madrid
Website: santanderconsumer.com ↗
Parent organisation: Banco Santander ↗
Employees: 13,800 2010
Wikidata: Q1277898 ↗

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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.

Register entries are not screened against sanctions 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: European Central Bank, List of TIPS participants and reachable parties.
Banking supervision—Source: European Central Bank, list of supervised entities.
Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
National bank codes—Spain (Source: Banco de España).
ESMA interim MiCA register—European Securities and Markets Authority; entries whose registration number is this LEI, matched by LEI.
Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.

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