Cookies policy

In accordance with this Cookies Policy, the Bank will use cookies as described below, provided that the user has consented to their use. The user of the Website may modify or reject the use of cookies, except for technical, preference or personalisation cookies, which are needed to ensure the basic functioning of the Website or to provide the requested service on a personalised basis.

The Website uses the following types of cookies:

1. Strictly necessary cookies: technical, preference or personalisation cookies
   

    

   These cookies are inserted by the Publisher and are needed to ensure the proper functioning of the Website or to provide a service requested by the user. Preference or personalisation cookies are considered necessary when they allow information to be recorded so that the user can access the service with certain characteristics that effectively make their experience different from that of other users, such as their preferred language or the number of search results to be shown.
   

   Technical cookies include, without limitation, user interface personalisation cookies, cookies used by the Publisher to control data traffic and communication and identify the session, or cookies for sharing content on social networks.

   In accordance with Article 22.2 of the Spanish Information Society Services Act, there is no requirement of consent for this type of cookie.

   The table below provides further information on this type of cookie:

   
   

   NAME	OWNER	PURPOSE	DURATION/EXPIRY
   san_lang	Santander	Used to define the user’s language preferences.	10 years
   SAN_REDIRECT	Santander	Cookie that defines the preference in the redirect component and selects the user's preferred option	End of session
   CONSENTMGR	Tealium	This cookie will be used to store the general consent stored through Tealium, the tool that manages user preferences.	90 days
   utag_main	Tealium	This cookie is set by Tealium, the tool that manages tags and consent on all of our web pages.	1 year
   YSC	YouTube	This cookie is used by YouTube to remember user input and associate a user’s actions	End of session
   CONSENT	YouTube	Google uses the ‘CONSENT’ cookie, which lasts for 2 years, to store a user’s state regarding their cookies choices.	24 months
   VISITOR_INFO1_LIVE	YouTube	This cookie contains a unique ID used to remember your preferences and other information such as your preferred language, how many search results you prefer to have shown on a results page and is also used to detect and resolve problems with the service.	6 months
   AWSELBCORS	Investis Digital	This cookie is managed by AWS and is used for load balancing.	End of session

   
   
2. Analytics or performance cookies
   
   

   These cookies, which may be proprietary or third-party, allow the Publisher to track and analyse the behaviour of users when browsing the Website or using its services. They allow the Publisher to view information on the most and least visited pages and see how visitors browse the Website, and to analyse such browsing activity, thus allowing it to make improvements. The information handled does not allow the user to be uniquely identified.

   The analytical cookies used on this Website include those of GOOGLE ANALYTICS and ADOBE ANALYTICS. We also use the tag management service provided by TEALIUM and TWITTER cookies to be able to share information through the social network’s widget.

   GOOGLE ANALYTICS is a web analysis service provided by Google Ireland. In particular, the use of Google Analytics allows the Publisher to monitor how visitors use the Website, compile reports and improve the Website.

   If you consent to the installation of web analytics or performance cookies on your device, please be advised that GOOGLE ANALYTICS cookies will be installed. The installation of these cookies may involve the international transfer of data to the United States by Google Ireland, which could in very isolated and specific cases entail access to data by the authorities of that country for national investigation and security purposes. However, in line with our rigorous privacy standards, please be advised that the contracts in effect between Google Ireland and its subcontractors in the United States include the Standard Contractual Clauses approved by the European Commission on 4 June 2021, as a safeguard mechanism recognised in the GDPR that aims to ensure the security of any data that may be subject to international transfer. We also adopt additional measures to protect the confidentiality and integrity of personal data.

   ADOBE ANALYTICS is a web analysis service provided by ADOBE that the Publisher uses to analyse Website audience, count unique visitors, record the time and date of unique visitors, etc.

   The table below provides further information on this type of cookie:

   
   

   NAME	OWNER	PURPOSE	DURATION/EXPIRY
   _utma	Google	Distinguishes between users and sessions. A user is a person who visits the site. A session is the period that the user spends on the site, and may consist of several page visits. This allows for an analysis of how the site is used in terms of user page visits and views	2 years from creation/update
   _utmb	Google	Used to differentiate new sessions/visits from repeat visits. Return visitors can be identified through the use of the cookie, which new visitors will not have	30 minutes from creation/refresh
   _utmc	Google	Used in conjunction with the _utmb cookie to determine whether a user is a new or return visitor	End of browsing session
   _utmz	Google	Stores the source of traffic or campaign that explains how the user got to the site	6 months from creation/update
   _utmt	Google	Used to throttle the request rate. This means limiting the number of analysis events sent to Google	10 minutes
   _ga	Google	Used by the web audience analysis tool to differentiate unique users	2 years
   _gid	Google	Used by the web audience analysis tool to differentiate unique users	24 hours
   s_cc	Adobe Analytics	Used to determine whether the cookies are enabled	Session
   s_nr	Adobe Analytics	Stores the date of the visit and whether the visitor is a first-time visitor or a repeat visitor	2 years
   s_sq	Adobe Analytics	Used when the ClickMap and Activity Map functionalities are enabled. Contains information about the last link that the user clicked on	Session
   s_ ecid	Adobe Analytics	Used to allow persistent ID tracking in 1st-party state and used as a benchmark ID if the AMCV cookie has expired. See AMCV cookie here for further details	2 years
   AMCV_###@AdobeOrg	Adobe Analytics	Used to identify a unique visitor – Experience Cloud	2 years
   s_vi	Adobe Analytics	Used to record the date and time for the unique visitor identifier	2 years
   s_fid	Adobe Analytics	Used to record the date and time for the alternative unique visitor ID	2 years
   mbox	Adobe Target	Used to conduct tests aimed at improving the user experience and knowing the most relevant elements and content for visitors	2 years
   at_check	Adobe Target	A cookie created by Adobe Target that is used to determine whether a visitor accepts cookies.	Session
   _ga_18TFZRJTGN	Google	It is used to maintain session status.	2 years
   _twitter_sess	Twitter	It is used to allow Twitter content to appear on the Website and to allow content to be shared over its network. Its storage is enabled to recognise whether the user is logged in.	Session
   gt	Twitter	A cookie used to integrate Twitter functionalities correctly into our Website.	2 hours
   ct0	Twitter	Twitter service cookie. This is used to obtain information from users and to be able to share original content from the Website through the social network.	5 years
   guest_id	Twitter	A twitter cookie that allows the social network to identify the user of Twitter via the Website.	2 years
   sp_landing	Spotify	This cookie from Spotify is stored when a user plays audio content from Spotify embedded in our website. It helps to collect information about the user's interaction with this audio content.	1 day
   sp_t	Spotify	This cookie from Spotify is stored when a user plays audio content from Spotify embedded in our website. It helps to collect information about the user's interaction with this audio content.	1 year

   
   
3. Advertising or targeting cookies
   

    

   Used to store information on user behaviour, as obtained through continuous observation of their browsing habits or behaviour when using Website services. This information is then used to draw up a specific profile for delivering tailored advertising. They also allow the Publisher to make improvements based on data analysis. The information handled does not allow the user to be uniquely identified. They may be inserted into the website by the Publisher or by a third party.
   

   Rejecting the use of these cookies will prevent the Bank from displaying personalised advertising that may be of interest to the user.

   The table below provides more detailed information on these cookies:

   
   

   NAME	OWNER	PURPOSE	DURATION/EXPIRY
   _personalization_id	Twitter	The purpose is to collect information from users who have been directed to the Website by advertising campaigns from this platform	2 years
   _gac_UA-58567623-40, _gac_gb_G-18TFZRJTGN	Google	Includes user-related campaign information through the link between Google Analytics and Google Ads. Google Ads website conversion tags will read this cookie	90 days
   _IDE, test_cookie, _gcl_au	Google / DoubleClick	The Google / DoubleClick cookie aims to improve the advertising displayed to users	1 year, 1 month, 3 months
   fr, _fbp, _fbc	Facebook	Collects a combination of the user’s browser and unique identifier, used to tailor advertising to users	3 months
   li_oatml, lms_ads, li_fat_id	LinkedIn	Used to identify members of LinkedIn for advertising and analysis purposes outside the designated countries and, for a limited time, for advertising purposes in the designated countries.	30 days
   lidc	LinkedIn	Facilitates the selection of the best data centre for LinkedIn.	24 hours
   li_gc	LinkedIn	It is used to store user consent regarding the use of cookies for non-essential purposes.	2 years
   bcookie	LinkedIn	A browser identification cookie to uniquely identify devices accessing LinkedIn and detect platform abuse.	2 years
   lang	LinkedIn	It stores the user's language.	Session
   wd	Facebook	Through the use of this cookie, Facebook stores the user's screen resolution.	7 days
   xs	Facebook	Through the use of this cookie, Facebook detects if you are logged in on its platform.	1 year
   dpr	Facebook	Through the use of this cookie, Facebook is able to improve the experience offered to users based on their device settings.	7 days
   sb	Facebook	Facebook stores information about the browser to improve its security settings.	2 years
   usida	Facebook	Collects a combination of the user’s browser and unique identifier, used to tailor advertising to users	Session
   m_pixel_ratio	Facebook	Through the use of this cookie, Facebook is able to improve the experience offered to users based on their device settings.	Session
   datr	Facebook	The purpose is to identify the web browser used to connect to Facebook, regardless of which user is logged in. This cookie plays a key role in security.	2 years
   locale	Facebook	It stores the user's language.	7 days
   sa-user-id	StackAdapt	These third party advertising / targeting cookies record information about your website activity, such as the pages you’ve visited and the locations you’ve viewed to enable us to provide you with interest based content and personalised adverts on external websites.	1 year
   sa-user-id-v2	StackAdapt	These third party advertising / targeting cookies record information about your website activity, such as the pages you’ve visited and the locations you’ve viewed to enable us to provide you with interest based content and personalised adverts on external websites.	1 year
   MUID	Bing	Identifies unique web browsers visiting Microsoft sites. These cookies are used for advertising, site analytics, and other operational purposes.	1 year
   bscookie	Linkedin	Used for remembering that a logged in user is verified by two factor authentication.	2 years
   JSESSIONID	Linkedin	Used for Cross Site Request Forgery (CSRF) protection.	Session
   sc_at	Snapchat	Used to identify a visitor across multiple domains.	1 year
   X-AB	Snapchat	This cookie is used by the website’s operator in context with multi-variate testing. This is a tool used to combine or change content on the website. This allows the website to find the best variation/edition of the site.	1 day
   _scid	Snapchat	Used to help identify a visitor.	1 year
   _sctr	Snapchat	Used to determine whether a third party tag will be called in Snap Ads Pixel.	1 year

   
   

Users may revoke their consent and delete installed cookies at any time. To do so, they may either:

• Use the content and privacy settings available in their browser while navigating. The following are some examples of procedures for withdrawing consent and deleting cookies, depending on the browser used:
  • Firefox: https://support.mozilla.org/en-US/
  • Internet Explorer: https://support.microsoft.com/en-us/windows/delete-and-manage-cookies-168dab11-0753-043d-7c16-ede5947fc64d
  • Safari: https://support.apple.com/en-euro/HT201265
  • Opera: https://help.opera.com/Windows/8.54/en/index.html
  • Chrome: https://support.google.com/chrome/answer/95647?hl=en-en


• Reconfigure accepted cookies through the cookie settings panel that the Publisher makes available at all times and which can be found here:
   

COOKIES CONFIGURATION