Purchases made easier
Zinia is the payment and financing platform that gives you the flexibility to shop whenever you want with the trust and security of the Santander Group.
Flexible payment options
Enjoy the flexibility of paying for your purchases in 30 days or in instalments, in-store or online. Plus, now you can pay with Zinia co-branded cards.
Clear and simple
Over 1 million customers have already purchased in a clear and simple way with Zinia: easy processes with no hidden costs or small print.
Everything under control
We make sure you always know how much and when you have to pay. Plus, you only pay for what you want to keep.
Enjoy Apple now.
Pay over time with Zinia.
You’re in control
We’ll keep an eye on everything and help you keep track of your spending, payments, deliveries and returns with real-time notifications. This means you can enjoy your purchases with 0% stress. Plus, we’re on hand to help – just email or call us.
From handbags, furniture, a TV... you choose what to buy and we'll help you pay when it suits you.
Safe and secure
We ensure that your personal data and payments are secure by following and constantly improving strict anti-fraud measures. We also rigorously check each payment using comprehensive risk systems. Want to learn more? Check out our FAQs.
Are you a retailer?
Discover now how Zinia can grow your customer base and business.
All your questions answered
Payments
Got a question about payments? Find the most frequently asked questions and answers here.
Learn more
Returns & refunds
Does your purchase not live up to expectations? Just return it! You'll find related questions here.
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Fraud & security
Safety comes first! Everything about fraud and how we digitally protect you can be found here.
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You can report any breach of Openbank’s General Code of Conduct or corporate principles through Canal Abierto (Open Channel), our whistleblowing channel.