Germany's financial regulator BaFin published a warning dated 11 November 2026 about fixed-term and overnight deposit offers sent from email addresses with the domain @santander-finance-europe.de. BaFin suspects the u…
Source: bafin.de · published
Germany's financial regulator BaFin published a warning dated 11 November 2026 about fixed-term and overnight deposit offers sent from email addresses with the domain @santander-finance-europe.de. BaFin suspects the unknown operators conduct banking business or provide financial services without permission. The senders claim the offer comes from Santander Consumer Bank S.A. or Openbank Deutschland AG; BaFin says these claims are untrue and amount to identity misuse. The domain santander-finance-europe.de is the one named by BaFin as used by the senders. BaFin says information on whether a company is authorised can be checked in its company database, and that the warning is based on section 37(4) of the German Banking Act (KWG).
Unlicensed investment, deposit and loan websites, and emails that misuse a real bank's name, are designed to look like ordinary financial products. Once money is sent, it is often moved quickly and is difficult to recover. BaFin's warning means the named site or sender is not authorised to offer those services in Germany. A UK or other company number, a professional looking site or a familiar bank brand in an email address is not a licence. Check a firm in BaFin's company database, and do not send money, documents or login details in response to this kind of approach.
BaFin warns about fixed-term and overnight-deposit offers emailed from addresses at santander-finance-europe.de. It suspects the unknown operators are conducting banking business or financial services without permission, and says they claim the offer comes from Santander Consumer Bank S.A. or Openbank Deutschland AG. Those claims are false: it is identity misuse, and Santander and Openbank are not involved. BaFin issued several other unauthorised-offer warnings on the same day, including lilac-holdings.com, davoripro.com, hanseanlage.com / hanseartesep.com and kapitum.com.
German Federal Financial Supervisory Authority (BaFin) warning, 11 November 2026: https://www.bafin.de/SharedDocs/Veroeffentlichungen/DE/Verbrauchermitteilung/unerlaubte/2026/meldung_2026_11_11_santander-finance-europe.html
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