Corporate Social Responsibility Report 2019
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Support for Customers

We present the actions we have taken to support our customers in their daily business, in the difficult times of the COVID-19 pandemic.

Information and Education Activities

We created this service to support our customers in their actions without them having to leave the house. The service provides knowledge and tools in several areas:

  • Government information – information and communications from government websites on how to handle civic matters, government support, and regulations concerning all areas of life in these difficult times, compiled in one place.
  • Santander for you – here we describe all the facilities and support we offer our customers.
  • Health – healthcare advice, promotion of physical activity, overview of projects undertaken in response to the coronavirus crisis.
  • How can you help – here we present amazing community activities that everyone can get involved in, volunteer actions, descriptions of support groups on social networking sites and appeals from institutions organizing professional help.
  • Find it on a map –a tool for searching medical centres, pharmacies, banks and ATMs as well as grocery stores in a location of your choice.
  • Home activities – recipes, stories and content for children; cultural news and titbits; courses and training worth attention and other forms of spending free time offered online by various institutions; a handful of knowledge n science, the world and technology – we select and share all these contents in hope of making quarantine a little more pleasant. Visit our website at:

Expert advice

We have organised several webinars and posted them on our website. Experts explained issues such as the anti-crisis shield and the stock market in the face of the COVID-19 pandemic.


to support parents, who had to stay at home during the pandemic, we have released a free-of-charge, online edition of the book “Finansiaki to My!” (Youth Financial Academy. It’s US!) The guide is a financial home education tool addressed to children and adolescents, and is available on the website:

Santander Bank Polska Foundation supported the educational project, “” broadcast by Metro television. “” is a series of television tutoring sessions for 8th graders and high school students preparing for their final exam.

Start studies with Santander

Santander Bank Polska Foundation and Santander Universidades Polska have prepared a guide for high-school graduates to help them decide about their further course of study. Tips and promotional materials were provided by universities cooperating within Santander Universidades in Poland.

Our support for individual customers

  • The bank offered its customers principal payment deferral on consumer loans and mortgages for 3 or 6 months.
  • Raised the limit for PIN-less contactless transactions from PLN 50 to PLN 100 for customers using debit and credit cards.
  • Seniors and juniors, for whom debit or credit card charges depended on the transactions executed had their monthly card fee waived.

All the facilities are presented HERE

We support businesses

  • We have given the opportunity to submit application for support under the PFR Financial Shield Programme, that is, the government support programme for enterprises. Small and medium-sized enterprises were granted a financing option on preferential terms. To obtain support, you need to submit an application via the Santander Bank Polska Internet banking system. We have described the whole procedure and created the necessary tools to handle the whole process.
  • Loan repayment grace period – our customers were offered a 3- or 6-month deferral of principal payments for loans or leasing contracts (details on Santander Leasing website). The bank will not charge for drawing up the annex to the agreement.
  • Due to the current situation, we have decided to automatically renew for the next 2 months overdraft facilities falling due shortly.
  • Together with our strategic partner, Ogólnopolskie Biuro Rachunkowe inFakt, providing e-Accounting services, we have launched an Helpline for our customers, where they can receive expert opinions on such issues as: government shield solutions, subsidies for businesses and remote accounting services. Assistance with these issues can also be obtained by -email at:
  • We have offered a 3-month fee waiver for Konto Godne Polecenia business account
  • To support SMEs, as of 1 April 2020 until further notice, Santander Bank Polska does not collect some of the credit fees.
  • Subject to certain conditions, bank gave the possibility of suspending the reduction of an overdraft limit for 3 or 6 months to entrepreneurs with an arranged overdraft facility.

All the solutions can be found HERE

Initiatives in support of corporate clients

The Bank contacted its corporate clients directly to determine the impact of COVID-19 on their financial and economic standing. Our priority is to provide assistance that is appropriate to the situation and scale of the problem, as soon as possible.

  • We have introduced a 2-month renewal for loans maturing in the next 3 months under a simplified credit procedure, without any extra fees or charges.
  • Clients were offered the possibility to apply for principal payment deferral for up to 6 months on credit, factoring and leasing agreements.
  • We have made it possible for the bank’s existing clients with a good standing, experiencing temporary liquidity issues to obtain short-term liquidity loans as well as medium-term financing in the case of presenting collateral in the form of BGK de minimis guarantee or PLG.
  • On our websites, we have posted the principles of using and the sources concerning the PFR Financial Shield Program for large enterprises.
  • Aware of the difficulties encountered during the COVID-19 pandemic and the growing number of questions about the situation, we have published on our website articles prepared by our partner Grant Thornton.

All the initiatives are described HERE

Initiatives supporting local communities

  • Support for hospitals – we have donated 2 million zlotys for the purchase medical equipment to 8 hospitals in Gdańsk, Kraków, Lublin, Poznań, Puławy, Wrocław and Warsaw
  • #Podwójnamocpomaganiacharity fundraiser. Owing to the generosity of the clients of Santander Bank Polska and other donors, as well as the commitment of the bank itself and its employees, PLN 3,090,605.86m was paid into a specially-created Santander Foundation account.
  • Face masks sewn by volunteers – throughout Poland, bank employees have been sewing masks which were successively distributed to hospitals, medical facilities and employees of the bank branches who have direct contact with customers. The Santander Foundation bought all the materials required to sew over 13 thousand masks.