Cash Management
Treasury models are increasingly relying on centralization and advanced technology. Modern Corporates require more automation, real-time oversight, and improved liquidity management across regions and currencies. Meanwhile, advancements in payments, APIs, and cross-border treasury arrangements are hastening the demand for scalable, globally integrated cash management solutions.
At Santander CIB, our cash management proposition combines global connectivity with strong local execution capabilities across all regions. Through integrated solutions across payments, collections, liquidity management, FX and digital channels, we help clients simplify operations, optimize liquidity and enhance treasury control.
Santander Cash Nexus combines digital banking, connectivity and reporting capabilities into a single global ecosystem designed to support the treasury needs of multinational corporates.
The platform enables companies to centralize treasury operations, automate financial workflows and gain real-time visibility across payments, collections, liquidity and reporting processes through a secure and scalable infrastructure.
Its modular architecture allows clients to integrate directly with ERP and TMS platforms, access banking services through multiple connectivity channels and manage treasury activities globally through a unified digital experience.
Our solutions for you
Santander Cash Nexus Transaction Hub
Transaction Hub is the connectivity layer of the ecosystem, enabling the secure and automated exchange of payment and collection files between corporate ERP/TMS platforms and Santander.
The solution supports international standard formats, SWIFT connectivity, APIs and host-to-host integration, combined with straight-through processing capabilities to streamline transaction management and enhance operational efficiency across domestic and cross-border flows.
Nexus Information Centre
Information Centre provides centralized reporting and cash visibility capabilities, consolidating financial information from Santander and third-party banks into standardized reporting formats.
The solution helps treasury teams improve reconciliation processes, enhance transaction traceability and gain greater visibility and control over global cash positions and banking activity.
Nexus Global Portal & App
Nexus Portal is Santander’s global digital banking platform for corporates, providing centralized access to payments, collections, liquidity and reporting services across multiple countries and entities.
Complemented by the Nexus Mobile App, the solution enables treasury teams to monitor balances, authorize transactions and access key treasury information anytime and anywhere through a secure and intuitive digital experience.
Together, Portal and Mobile App deliver global visibility, operational control and flexible treasury management across web and mobile channels.
Transactional Services
Our Transactional Services solutions are designed to help corporates streamline payments and collections, enhance operational efficiency and improve cash flow visibility across markets and currencies.
Payments
Santander positions payments as a core transactional banking capability, combining global reach with strong local execution to deliver secure, efficient and scalable payment solutions for clients across markets
Collections - Getnet
Getnet, part of the Santander Group, provides comprehensive acquiring solutions for both e-commerce and in-store transactions. We offer services such as local and international acquiring, gateway features like tokenization and antifraud, support for various card schemes and installment options, plus alternative payment methods (wallets, A2A, BNPL).
Cash Concentration Services
Santander helps clients make better use of liquidity across their organisation by connecting surplus and deficit positions, improving visibility and supporting more efficient treasury decision-making.
Physical Pooling
Santander helps clients centralise surplus cash from multiple accounts into a designated header account through automated sweeps. This can improve liquidity visibility, reduce idle balances, support internal funding and simplify day-to-day cash management across entities, currencies or markets, subject to local regulatory and operational requirements.
Virtual accounts
Our Virtual accounts Solution enhances your treasury receivables management by incorporating Virtual International Bank Account Numbers (vIBANs) as a distinctive reconciliation attribute. This feature enables greater automation and precise identification of cash flows, ultimately reducing the reconciliation workload and significantly accelerating cash allocation accuracy. Supporting our clients through:
Ease of reconciliation: vIBANs facilitate streamlined collection processes through creating VA related to specific purposes.
Security & Monitoring: Real-time visibility allows a better control over financial transactions to optimize cash flows, reduce risk of fraud.
Rationalization & Consolidation: The replacement of physical accounts through virtual ones can improve cost efficiencies.
Trovata
Through its strategic partnership with Trovata, Santander brings next-generation cash forecasting and liquidity management capabilities to its Corporate & Investment Banking clients, helping them accelerate the digital transformation of their treasury operations. By combining Santander’s global banking expertise with Trovata’s market-leading platform, corporates benefit from multi-bank API connectivity, AI-powered cash flow forecasting, real-time cash visibility, and automated reporting. The result is a more intelligent, data-driven approach to treasury management that enhances operational efficiency, optimizes liquidity, and enables faster, more informed financial decision-making in an increasingly dynamic global environment.
Notional Pooling
Santander helps clients optimise group liquidity without physically moving funds between accounts. By notionally offsetting debit and credit balances, clients can reduce funding costs, enhance interest efficiency and preserve local account autonomy, while maintaining visibility over their overall cash position, subject to regulatory, tax and legal considerations.
Transactional FX (TFX)
Transactional FX (TFX) is Santander’s integrated foreign exchange solution designed to seamlessly embed currency conversion into corporates’ day-to-day transactional flows. By enabling efficient cross-border payments and collections, TFX simplifies FX risk management while enhancing treasury operations through greater visibility, control, and operational consistency. With support for more than 30 currencies, comprehensive cross-currency capabilities, and end-to-end solutions for non-deliverable currencies, TFX empowers businesses to streamline international operations, optimize cash management, and execute global transactions with confidence and efficiency.
Treasury transformation
Investment Solutions
From liquidity to strategic capital deployment: every layer of your liquidity has a purpose, Santander provides the right solution for each one (SAN provide tailored investment solutions designed to help corporations and institutions optimize liquidity, diversify risk, and unlock growth opportunities).
Event-Driven Cash Management Solutions
Bespoke solutions to meet strategic commercial needs, helping our clients navigate landmark transactions or business change
- Corporate Events & Scenarios: Mergers & Acquisitions, Structured Finance, Project Finance, Securitisations Capital, Injections, Etc
- SAN Differentiators:
Product capabilities ✓ (providing tailored solutions such us Escrow Accounts, serving as a risk management tool by providing secure and transparent mechanism for holding funds until specific conditions)
Expert Insight ✓
Service Excellence ✓
Globality & Reach ✓
Santander Cash Management Capabilities Atlas
Cybersecurity
At Santander CIB, cybersecurity is embedded across our Cash Management ecosystem to help clients protect their treasury operations, sensitive financial information and digital interactions. Through secure digital platforms, strong operational controls and continuous monitoring capabilities, we support resilient and secure transaction processing across payments, collections, liquidity and reporting activities.
Our approach combines prevention, detection and response capabilities to help safeguard business-critical processes while enabling clients to operate with confidence in an increasingly digital environment. Leveraging global expertise, advanced technologies and AI-driven capabilities, we continuously strengthen cyber resilience and support secure treasury management across markets and channels.
Fraud prevention is an important component of cyber resilience. As payment fraud, phishing, impersonation and social engineering attacks continue to evolve, organisations require strong controls, secure processes and ongoing awareness to help protect critical financial operations. Santander supports clients in strengthening preventive practices and promoting secure transaction management across treasury activities.
Key Capabilities
Security embedded across our digital treasury solutions and client journeys.
Secure and resilient transaction processing through Santander Cash Nexus.
Continuous monitoring, detection and incident response capabilities.
Support for fraud prevention and secure transaction management through strong controls and operational best practices.
Global cyber resilience is supported by advanced technology and industry collaboration.
Highlights
Why choose Santander Corporate & Investment Banking
Meet our team
Mencía Bobo is the Global Head of Global Transaction Banking at Santander CIB.
With more than 20 years’ experience in the financial sector, Mencia has held several senior positions in Global Debt Finance (GDF), Structured Finance Risks, and Global Transaction Banking (GTB) since she joined Santander Corporate & Investment Banking in 2006.
Since March 2024, Mencia has been appointed global head of Global Transaction Banking (GTB), being responsible for Cash Management, Trade Finance, Working Capital Solutions and Export Finance. Previously she led the Trade & Working Capital Solutions team globally within GTB, where she consolidated Santander’s global leadership position in Trade Finance.
Prior to joining Grupo Santander Mencia worked at KPMG as senior auditor.
She holds a degree in Business Administration from the Universidad Pontificia de Comillas (ICADE) and an international Executive Programme from INSEAD (Inter-Alpha Banking).
Find out about other solutions of interest
Global Debt Advisory
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Are you looking for tailored banking solutions to take your organization to the next level? We are here to assist you with any inquiries you may have