Financial Institutions
Santander provides bank and non-bank financial institutions with transactional banking solutions designed to support their client’s cross-border needs. As the payments ecosystem becomes faster, more connected and more complex, institutions require scalable solutions across markets, currencies and payment schemes.
Through our strong local presence across Europe and the Americas, combined with an extensive correspondent banking network and access to selected local market infrastructures, we help Financial Institutions connect to key markets, manage payment efficiently and support their clients with currency, clearing, liquidity, FX, trade finance and other value-added solutions.
Our solutions for you
International Payments
Santander CIB delivers cross-border payment solutions across a broad range of global currencies. Our capabilities combine international payments, value-added FX solutions, transparent tracking and flexible connectivity through online banking, host-to-host and SWIFT channels, helping institutions optimise payment flows, enhance liquidity management and support their clients' global needs.
Currency Clearing
Santander CIB provides access to selected currency clearing capabilities in EUR, MXN and BRL, supported by our local market presence and direct connections to key payment systems.
EUR: Santander, as direct member of all Euro Clearing systems, is well positioned to support financial institutions managing EUR payment flows worldwide. Our strong expertise, product capabilities and ultimate technology enables us to deliver value and effiency to your payments. Santander is prepared to offer indirect sponsorship in the main EUR ARCH’s including Instant Payments.
MXN: Banco Santander is the 2nd largest bank in Mexico and a direct member of the clearing (SPEI). Our Vostro account services provide an efficient way to manage daily MXN payments through SWIFT and settle payment instructions related to underlying FX transactions with full CLS (Continuous Linked Settlement) capabilities.
BRL: Santander is the first bank to support international payments in BRL to help your clients with access to the Brazilian market. Through our BRL clearing capabilities, Santander Brazil can act as a correspondent bank for payments in BRL. From a CBE account, your Bank’s customers will be able to make international transfers in BRL for the benefit of third parties in Brazil.
Domestic Cash Management Capabilities
Access domestic payment, collection and reporting capabilities across selected markets in Europe and the Americas through a single banking partner. Santander combines local expertise, flexible connectivity and global platforms to help financial institutions simplify operations, improve visibility and support their clients' domestic transactional needs.
Working Capital for Banks
Santander’s helps banks expand their working capital offering to corporate clients through Supply Chain Finance, Confirming and Receivables solutions.
Our dedicated teams support implementation, onboarding and lifecycle management, helping banks deliver efficient working capital solutions while strengthening relationships with buyers and suppliers.
One-stop shop for Guarantees
Santander supports financial institutions with documentary trade and guarantee solutions designed to facilitate international business across markets. Through our global reach, local expertise and correspondent banking network, we can act as a single point of access for guarantees, letters of credit and standby letters of credit, helping institutions support their clients’ trade flows with greater efficiency, consistency and market proximity.
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).
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