In less than a month, new Santander Consumer Bank customers will no longer have access to online banking. The new service regulations state that only those who entered into an appropriate agreement before June 25 of this year will be able to use the website.
Santander Consumer Bank is introducing new “Regulations for the provision of electronic banking services”, which will come into force on 25 June 2025. The document contains a provision stating that access to online banking can only be granted to people who have concluded an electronic banking agreement or a credit limit and card agreement before 25/06/2025. This means that new customers will only be able to use SCB services via the mobile application.
Customers prefer the app
Santander Consumer Bank explains the upcoming changes with the behavior of users themselves, who are more willing to use the mobile application. Importantly, the provisions will not apply to current customers – they will maintain active access to online banking.
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We have decided to introduce a change in access to electronic banking for new customers – from June 25, 2025, we will offer our new customers to use only the mobile application . This is a conscious decision that results from several key premises – primarily from concern for the comfort and real needs of users. We are observing a very clear trend: already over 92% of our customers using electronic banking choose only the mobile application . This is why we are developing it as the main and most effective channel of contact with the bank. The change applies only to new customers. All previous users still have full access to online banking in the browser version. – explains Magdalena Grzelak, the bank's spokesperson.
Continuation of the market trend
According to the latest data collected by Bankier.pl, the number of “mobile only” customers in banks, i.e. people who use their accounts only via smartphones, is growing. On a market scale, this is already almost 19 million users (data for Q4 2024), while in Santander Consumer Bank it is less than 0.5 million customers.
SCB explains that the changes in the regulations result from the desire to focus on a single access channel, which will allow for faster implementation of new functions and response to customer needs. “It is also an element of a broader digital transformation, within which we reach for modern, agile solutions, compliant with global standards – the mobile only model is already widely adopted in many European financial institutions,” adds the bank's spokesman.
