The world’s best bank for consumers 2025: Santander

Ana Botín. Photo: Getty

It is often said that retail banking cannot be a global business. No established bank has done more to challenge that notion, especially over the past two years, than Banco Santander. 

Since the mid-2010s, Santander has worked to leverage global economies of scale in other businesses, starting with corporate and investment banking. In late 2023, it went further by embarking on a transformation of its retail and commercial banking franchise – by far its biggest revenue generator – into a global business.

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