How to complain to Banco Santander España.

Type

Bank

Region

Spain

Escalate to

First escalate internally to the bank's Servicio de Atencion al Cliente (SAC) and, if unresolved, the Defensor del Cliente. If still not resolved after 1 month, escalate to the Banco de Espana (Departamento de Conducta de Entidades) which handles banking customer complaints. For pure consumer-contract disputes you may also use the Junta Arbitral de Consumo (consumer arbitration).

Response deadline

The bank's customer service must reply within 1 month for retail customers (15 business days for payment-service complaints). After that, or if no reply, you can take the complaint to the Banco de Espana.

Details checked 2026-06-02

Always raise the complaint with the bank's SAC first and keep the reference number; the Banco de Espana will not act until the bank has had its chance to respond or 1 month has passed.

Complain to Banco Santander España first and ask for a written final response. If they reject you or the deadline passes, you can take it to the First escalate internally to the bank's Servicio de Atencion al Cliente (SAC) and, if unresolved, the Defensor del Cliente. If still not resolved after 1 month, escalate to the Banco de Espana (Departamento de Conducta de Entidades) which handles banking customer complaints. For pure consumer-contract disputes you may also use the Junta Arbitral de Consumo (consumer arbitration). for free, and their decision is binding on the company.

Details compiled for convenience. Always confirm the current contact on Banco Santander España's own site. A self-serve tool, not a law firm. Not legal advice.