About us

Revolutionising the way we pay

Zinia is a payments and lending platform of Openbank and Santander Consumer Finance.

Zinia makes shopping simple, offering the possibility of splitting payments into instalments in a fast and transparent way. The platform is available with offline and online functionality for in-store and online purchases at participating businesses.

Powering merchants across Europe

Openbank and Santander Consumer Finance have joined forces to create The Digital Consumer Bank, and we are proud to be building the market-leading ‘payments and lending’ platform.


We have secured more than 6 million BNPL contracts, +1.2m at Zinia.


At DCB, we've partnered with over 75 thousand merchants worldwide.


International expansion afoot, aiming to service the 16 countries where we operate.

Who we are


Openbank. The bank of the future, now.

Zinia leverages the technological resources and expertise of Openbank, the digital bank of the Santander Group, which is currently rolling out its international expansion plans.

Through a simple and flexible banking model, we offers customers the possibility to manage their finances on the website or app.

Go to Openbank

Santander Consumer Finance. Consumer financing specialists.

Through a strong and solid platform, we offer more than 19 million customers an immediate response to their financing needs. We operate in 16 European countries, our team is made up of 18,000 professionals and we are available at 130,000 points of sale worldwide.

Go to Santander Consumer Finance

Soon in 16 countries

Single-platform solution to internationally roll out our range of services to all Santander Consumer Finance units

Austria Belgium Finland Denmark France Germany
Greece Italy The Netherlands Norway Poland Portugal
Sweden Spain Switzerland UK
Canada USA