Santander Consumer Bank AS Norge, Sverige Filial

Santander Consumer Bank AS Norge, Sverige Filial is the Swedish branch of Santander Consumer Bank AS (Norway), part of the Santander Consumer Finance group ultimately owned by Banco Santander, S.A. The branch focuses on consumer finance in Sweden, including auto financing through dealer partnerships, unsecured personal loans and refinancing, credit cards, and savings products offered in SEK via digital channels. As a branch, it operates under the Norwegian banking license; prudential supervision is carried out by Finanstilsynet (Norway) with local conduct oversight in Sweden, and contracts with Swedish consumers are subject to applicable Swedish consumer protection rules. Deposits placed with the Swedish branch are protected by the Norwegian Banks’ Guarantee Fund, generally up to NOK 2,000,000 per depositor per bank; coverage is provided and paid in NOK, so Swedish customers holding SEK deposits should be aware of potential exchange rate effects if the guarantee is triggered. Lending decisions are based on credit assessments and affordability checks in line with Swedish regulations, and standard identification and anti‑money‑laundering procedures apply. Rates and fees vary by product and customer risk profile and may change over time; early repayment, termination rights, and statutory information disclosures follow Swedish and EEA rules for consumer credit. The branch largely serves customers online and by phone and does not publish standalone capital or liquidity figures, which are reported at the Norwegian bank level. Complaints can be escalated through the bank’s internal process and, if unresolved, to Sweden’s National Board for Consumer Disputes (ARN) or relevant supervisory bodies.