Santander Consumer Bank Sverige is a Swedish subsidiary of the international Santander Group that provides consumer banking and financial services. The bank typically offers personal loans, car financing, credit cards, and savings products to individual customers in Sweden. As part of the broader Santander network, it operates under established banking regulations and focuses on retail financial services rather than commercial banking.
Santander Consumer Bank Sverige receives overwhelmingly negative feedback from customers, with many expressing frustration over poor service and high fees. Reviewers frequently mention the lack of engagement and support from staff, describing interactions as short and unhelpful.
Complaints about excessive charges, such as a 49 SEK fee for autogiro, are common, with many feeling that such services should be free. Despite these issues, some customers find the bank's services easy to use and appreciate the speed of transactions. However, the overall sentiment is marred by reports of inadequate customer service, long wait times, and unexpected interest rate hikes. Many consumers advise against using this bank due to their experiences. Overall, the sentiment is predominantly negative.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 1.5 | 16 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Jul 2025.
| Month | Average | Reviews |
|---|---|---|
| Jan 25 | 1.0 | 1 |
| Feb 25 | — | 0 |
| Mar 25 | 2.5 | 2 |
| Apr 25 | — | 0 |
| May 25 | 1.0 | 1 |
| Jun 25 | — | 0 |
| Jul 25 | 1.0 | 2 |
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Electronics & Technology.
| Company | Overall | Legit | Trend | Reviews |
|---|---|---|---|---|
 | 1.5 out of 5 (poor) | 100 out of 100 | — | 16 |
| 4.1 out of 5 (good) | 100 out of 100 | — | 1,060 | |
| 4.5 out of 5 (good) | 100 out of 100 | — | 1,060 | |
| 4.7 out of 5 (good) | 100 out of 100 | — | 1,000 | |
| 4.0 out of 5 (good) | 100 out of 100 | −1% | 1,000 |
Bottom line: Santander Consumer Bank Sverige is #5 of 5 on overall rating in this group.
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Quick answers to the questions people ask most.
Santander Consumer Bank Sverige offers financing for a wide range of consumer electronics including smartphones, laptops, TVs, gaming consoles, home appliances, and audio equipment. You can apply for financing at participating electronics retailers or through their online portal.
Interest rates vary based on your credit profile, loan amount, and repayment term. Rates typically range from competitive promotional rates for qualified customers to standard consumer lending rates. Contact Santander directly for personalized rate information.
Most financing applications are processed within minutes at the point of sale. Online applications typically receive a decision within 24 hours, though some cases may require additional documentation and take longer.
Customer service is typically available Monday through Friday from 8:00 AM to 8:00 PM, and weekends from 9:00 AM to 4:00 PM. Hours may vary during holidays, so check their website for current availability.
Yes, you can typically make early payments or pay off your loan in full without prepayment penalties. This can help you save on interest charges over the life of the loan.
Credit requirements vary depending on the loan amount and terms. Santander offers financing options for customers with various credit profiles, including those with fair to excellent credit.
You can make payments online through their website, by phone, through automatic bank transfers, or by mail. Many customers choose automatic payments to ensure they never miss a due date.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Warranty service is handled directly with the manufacturer or retailer where you purchased the item. Your financing agreement with Santander continues regardless of warranty issues, so payments remain due as scheduled.
Return policies are set by the retailer, not the financing company. If you return an item within the store's return period, the financing agreement may be canceled, but you should confirm this process with both the retailer and Santander.
Santander Consumer Bank Sverige is a Swedish subsidiary of the international Santander Group that provides consumer banking and financial services. The bank typically offers personal loans, car financing, credit cards, and savings products to individual customers in Sweden. As part of the broader Santander network, it operates under established banking regulations and focuses on retail financial services rather than commercial banking.
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