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- Santander Bank
About Santander Bank
Santander Bank, N.A. (SBNA) is one of the largest retail and commercial banks in the northeastern United States, offering a full suite of personal, business, and commercial banking products and services to over 2 million customers. A wholly owned subsidiary of Banco Santander, S.A. — the Spain-headquartered multinational banking giant founded in 1857 and one of the largest banks in the world by market capitalization — Santander Bank operates with $89.5 billion in total assets and approximately 9,000 employees across eight states: Massachusetts, New Hampshire, Connecticut, Rhode Island, New York, New Jersey, Pennsylvania, and Delaware. The bank’s U.S. corporate headquarters is located at 75 State Street in Boston, Massachusetts, situated in the heart of Boston’s Financial District. Santander Bank, N.A. is led by CEO and U.S. Country Head Christiana Riley, who assumed the role in February 2025 succeeding Tim Wennes. Riley, who previously served as Santander’s Regional Head of North America since October 2023, was appointed as part of a broader global restructuring by Executive Chair Ana Botín.
Quick Information
Industry
Retail & Commercial Banking — Financial Services
Founded
1857, Santander, Spain (U.S. operations established 1857; rebranded to Santander Bank 2013)
Number of Employees
Approximately 9,000 employees across the U.S. market
Corporate Office Hours
Monday to Saturday, 8:00 AM – 8:00 PM Eastern Time for customer service. Corporate office hours are Monday through Friday, 9:00 AM to 5:00 PM ET.
Contact form available at santanderbank.com/personal/resources/get-in-touch
Website
www.santanderbank.com
Contact Page
www.santanderbank.com/personal/resources/get-in-touch
Careers Page
www.santanderbank.com/about/careers
Products & Services
Santander Bank offers a comprehensive range of retail, business, and commercial banking products tailored to its core northeastern U.S. customer base. Their full range of products and services includes:
- Checking Accounts — Simply Right Checking, Basic Checking, and Premium Checking accounts with digital banking access
- Savings Accounts — Regular Savings, Money Market Savings, and high-yield savings options
- Certificates of Deposit (CDs) — fixed-rate CDs with competitive rates and a range of term lengths
- Home Mortgage Loans — fixed-rate and adjustable-rate mortgages for home purchase and refinance
- Home Equity Loans & HELOCs — home equity borrowing products for renovations, debt consolidation, and major purchases
- Personal Loans — unsecured personal loans for a variety of financing needs
- Auto Loans — vehicle financing for new and used car purchases
- Credit Cards — Santander Ultimate Cash Back Mastercard and other Santander-branded card products
- Small Business Banking — business checking, savings, merchant services, and business credit cards
- Commercial Real Estate — financing and advisory services for commercial property
- Corporate & Investment Banking (CIB) — capital markets, M&A advisory, structured finance, and corporate lending
- Santander Consumer USA — one of the country’s largest auto finance companies operating under the broader Santander US umbrella
- Openbank — Santander’s fully digital bank brand operating in the U.S. with high-yield digital savings accounts
- Wealth Management & Private Banking — investment management and financial planning for affluent customers
- Santander Digital Banking — online banking and the Santander Mobile Banking app for 24/7 account access
Corporate Phone Numbers
Main Customer Service Number
1-877-768-2265 — primary customer service line for all personal banking inquiries including accounts, transactions, digital banking, and general support. Available Monday through Saturday, 8:00 AM to 8:00 PM ET.
Hearing & Speech Impaired
711 — relay service for hearing and speech-impaired customers, connecting to the main customer care team during regular service hours.
Business Banking Customer Service
1-855-726-6100 — dedicated business banking customer service line. Available during regular business hours.
Fraud & Security Hotline
1-888-724-9131 — dedicated 24/7 fraud and security reporting line for lost or stolen cards, suspicious activity, and identity theft concerns.
Santander Consumer USA (Auto Finance)
1-888-222-4227 — dedicated support line for all Santander Consumer USA auto loan and financing inquiries.
Corporate Office Number
(617) 346-7200 — main Santander Bank, N.A. Boston corporate headquarters line for escalated business, legal, and media inquiries. Available Monday through Friday during regular business hours.
How to Reach a Real Person at Santander Bank
The fastest way to speak with a live Santander Bank representative is to call 1-877-768-2265. This line is available Monday through Saturday from 8:00 AM to 8:00 PM ET. When the automated system answers, listen to the menu and press the number that best matches your inquiry, or press 0 to be routed toward a live banker. For the shortest wait times, calling on weekday mornings between 8:00 AM and 10:00 AM ET is recommended, as call volumes build significantly during midday hours and Saturday mornings.
You can also reach a live Santander banker through the Santander Mobile Banking app’s secure chat feature, which allows you to message directly with a customer service representative while viewing your account in real time. This is often the fastest route for billing inquiries, transaction disputes, and account management questions. For fraud and lost/stolen card emergencies, always call the dedicated 24/7 fraud hotline at 1-888-724-9131 immediately rather than using digital channels, as these situations require immediate account action.
Santander Bank Headquarters & Corporate Office Address
Santander Bank, N.A. operates its U.S. corporate headquarters at 75 State Street in Boston, Massachusetts — a landmark 38-story skyscraper in the heart of Boston’s Financial District, steps away from Faneuil Hall and the Boston waterfront. The Boston headquarters has served as the center of Santander’s U.S. banking operations since the company relocated its official headquarters from Wyomissing, Pennsylvania in 2011, consolidating around the executive leadership team that had already been operating from Boston for several years. The 75 State Street office houses Santander Bank’s U.S. executive leadership, retail banking operations, commercial banking, corporate strategy, legal, compliance, and corporate finance functions.
Santander Bank, N.A. — U.S. Corporate Headquarters
75 State Street
Boston, Massachusetts 02109
United States
Santander Holdings USA, Inc. — Registered Address
75 State Street
Boston, Massachusetts 02109
United States
Additional U.S. Offices
- 45 E 53rd Street, New York, New York 10022
- 1401 Brickell Avenue, Miami, Florida 33131
- 1601 Elm Street, Dallas, Texas 75201
- 201 N Walnut Street, Wilmington, Delaware 19801
Banco Santander, S.A. — Global Parent Headquarters
Santander Group City, Avenida de Cantabria s/n
28660 Boadilla del Monte, Madrid, Spain
For all formal written correspondence, escalated complaints, and legal documents directed to the U.S. corporate team, use the Boston headquarters address above. Include your full name, account number, return contact details, and a clear subject line.
How to File a Complaint Against Santander Bank
Step 1 — Contact Customer Service Directly
Call Santander’s main customer service line at 1-877-768-2265, Monday through Saturday, 8:00 AM to 8:00 PM ET. Clearly explain your complaint, provide your account information, and ask the representative to formally log your concern and provide a case reference number. Most billing errors, transaction disputes, fee reversals, and account issues are resolved at this first stage. You can also submit a complaint through the Santander Mobile Banking app’s secure chat feature for a written record of the interaction.
Step 2 — Request Escalation to a Manager
If the first representative cannot resolve your complaint, ask immediately to be transferred to a supervisor or branch manager. Senior bankers and managers have greater authority to reverse fees, issue credits, escalate service tickets, and override standard processing decisions. Always document the manager’s name, the date and time of the call, and all commitments made.
Step 3 — Submit a Formal Written Complaint
Submit a formal written complaint through the secure contact form at santanderbank.com/personal/resources/get-in-touch, or mail a formal letter to Santander Bank, N.A., 75 State Street, Boston, Massachusetts 02109, Attn: Customer Relations. Your complaint should include your full name, account number, a clear description of the issue, all previous contacts made, copies of supporting documents, and the specific resolution you are requesting.
Step 4 — File a Complaint With the OCC
As a nationally chartered bank regulated by the Office of the Comptroller of the Currency, Santander Bank, N.A. is subject to OCC oversight. File a formal complaint at helpwithmybank.gov or call 1-800-613-6743. The OCC requires the bank to formally respond and investigate your complaint and is particularly effective for issues involving lending, fees, and account closures.
Step 5 — File a Complaint With the CFPB
File a formal complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or call 1-855-411-2372. The CFPB requires the bank to respond within 15 calendar days and publishes all complaint data publicly, creating an official federal record of your unresolved issue.
Step 6 — Contact the Massachusetts Division of Banks
Because Santander Bank’s U.S. headquarters is in Massachusetts, you can also escalate complaints to the Massachusetts Division of Banks at mass.gov/orgs/division-of-banks or by calling 617-956-1500. State banking regulators can investigate consumer complaints and apply direct regulatory pressure for resolution.
Step 7 — File a BBB Complaint
File a public complaint with the Better Business Bureau at www.bbb.org. Santander Bank is registered with the BBB and a public complaint filing typically prompts a faster corporate response within 14 days.
