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        <link:definition>9952163 - Disclosure - Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share</link:definition>
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        <link:definition>9952176 - Disclosure - Intangible assets - Goodwill</link:definition>
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        <link:definition>9952200 - Disclosure - Commission income</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Commissionexpense" roleURI="http://www.santander.com/role/Commissionexpense">
        <link:definition>9952201 - Disclosure - Commission expense</link:definition>
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      <link:roleType id="Gainsorlossesonfinancialassetsandliabilities" roleURI="http://www.santander.com/role/Gainsorlossesonfinancialassetsandliabilities">
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      <link:roleType id="Exchangedifferencesnet" roleURI="http://www.santander.com/role/Exchangedifferencesnet">
        <link:definition>9952203 - Disclosure - Exchange differences, net</link:definition>
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      <link:roleType id="Otheroperatingincomeandexpenses" roleURI="http://www.santander.com/role/Otheroperatingincomeandexpenses">
        <link:definition>9952204 - Disclosure - Other operating income and expenses</link:definition>
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      <link:roleType id="Staffcosts" roleURI="http://www.santander.com/role/Staffcosts">
        <link:definition>9952205 - Disclosure - Staff costs</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Othergeneraladministrativeexpenses" roleURI="http://www.santander.com/role/Othergeneraladministrativeexpenses">
        <link:definition>9952206 - Disclosure - Other general administrative expenses</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Gainsorlossesonnonfinancialassetsnet" roleURI="http://www.santander.com/role/Gainsorlossesonnonfinancialassetsnet">
        <link:definition>9952207 - Disclosure - Gains or losses on non financial assets, net</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Gainsorlossesonnoncurrentassetsheldforsalenotclassifiedasdiscontinuedoperations" roleURI="http://www.santander.com/role/Gainsorlossesonnoncurrentassetsheldforsalenotclassifiedasdiscontinuedoperations">
        <link:definition>9952208 - Disclosure - Gains or losses on non-current assets held for sale not classified as discontinued operations</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Fairvalueoffinancialinstruments" roleURI="http://www.santander.com/role/Fairvalueoffinancialinstruments">
        <link:definition>9952209 - Disclosure - Fair value of financial instruments</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Otherdisclosures" roleURI="http://www.santander.com/role/Otherdisclosures">
        <link:definition>9952210 - Disclosure - Other disclosures</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Primaryandsecondarysegmentsreporting" roleURI="http://www.santander.com/role/Primaryandsecondarysegmentsreporting">
        <link:definition>9952211 - Disclosure - Primary and secondary segments reporting</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Relatedparties" roleURI="http://www.santander.com/role/Relatedparties">
        <link:definition>9952212 - Disclosure - Related parties</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Riskmanagement" roleURI="http://www.santander.com/role/Riskmanagement">
        <link:definition>9952213 - Disclosure - Risk management</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Additionaldisclosures" roleURI="http://www.santander.com/role/Additionaldisclosures">
        <link:definition>9952214 - Disclosure - Additional disclosures</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="AccountingpoliciesPolicies" roleURI="http://www.santander.com/role/AccountingpoliciesPolicies">
        <link:definition>9955511 - Disclosure - Accounting policies (Policies)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="AccountingpoliciesTables" roleURI="http://www.santander.com/role/AccountingpoliciesTables">
        <link:definition>9955512 - Disclosure - Accounting policies (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="GrupoSantanderTables" roleURI="http://www.santander.com/role/GrupoSantanderTables">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="DistributionofBancoSantandersprofitshareholderremunerationschemeandearningspershareTables" roleURI="http://www.santander.com/role/DistributionofBancoSantandersprofitshareholderremunerationschemeandearningspershareTables">
        <link:definition>9955514 - Disclosure - Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share (Tables)</link:definition>
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      <link:roleType id="RemunerationandotherbenefitspaidtotheBanksdirectorsandseniormanagersTables" roleURI="http://www.santander.com/role/RemunerationandotherbenefitspaidtotheBanksdirectorsandseniormanagersTables">
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      <link:roleType id="LoansandadvancestocentralbanksandcreditinstitutionsTables" roleURI="http://www.santander.com/role/LoansandadvancestocentralbanksandcreditinstitutionsTables">
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      <link:roleType id="DebtsecuritiesTables" roleURI="http://www.santander.com/role/DebtsecuritiesTables">
        <link:definition>9955517 - Disclosure - Debt securities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="EquityInstrumentsTables" roleURI="http://www.santander.com/role/EquityInstrumentsTables">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="TradingderivativesassetsandliabilitiesandshortpositionsTables" roleURI="http://www.santander.com/role/TradingderivativesassetsandliabilitiesandshortpositionsTables">
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      <link:roleType id="LoansandadvancestocustomersTables" roleURI="http://www.santander.com/role/LoansandadvancestocustomersTables">
        <link:definition>9955520 - Disclosure - Loans and advances to customers (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="TradingderivativesTables" roleURI="http://www.santander.com/role/TradingderivativesTables">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="NoncurrentassetsheldforsaleandliabilitiesassociatedwithnoncurrentassetsheldforsaleTables" roleURI="http://www.santander.com/role/NoncurrentassetsheldforsaleandliabilitiesassociatedwithnoncurrentassetsheldforsaleTables">
        <link:definition>9955522 - Disclosure - Non-current assets held for sale and liabilities associated with non-current assets held for sale (Tables)</link:definition>
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      <link:roleType id="InsurancecontractslinkedtopensionsTables" roleURI="http://www.santander.com/role/InsurancecontractslinkedtopensionsTables">
        <link:definition>9955524 - Disclosure - Insurance contracts linked to pensions (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="LiabilitiesunderinsurancecontractsTables" roleURI="http://www.santander.com/role/LiabilitiesunderinsurancecontractsTables">
        <link:definition>9955525 - Disclosure - Liabilities under insurance contracts (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="TangibleassetsTables" roleURI="http://www.santander.com/role/TangibleassetsTables">
        <link:definition>9955526 - Disclosure - Tangible assets (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="IntangibleassetsGoodwillTables" roleURI="http://www.santander.com/role/IntangibleassetsGoodwillTables">
        <link:definition>9955527 - Disclosure - Intangible assets - Goodwill (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="IntangibleassetsOtherintangibleassetsTables" roleURI="http://www.santander.com/role/IntangibleassetsOtherintangibleassetsTables">
        <link:definition>9955528 - Disclosure - Intangible assets - Other intangible assets (Tables)</link:definition>
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      <link:roleType id="OtherassetsTables" roleURI="http://www.santander.com/role/OtherassetsTables">
        <link:definition>9955529 - Disclosure - Other assets (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="DepositsfromcentralbanksandcreditinstitutionsTables" roleURI="http://www.santander.com/role/DepositsfromcentralbanksandcreditinstitutionsTables">
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      <link:roleType id="CustomerdepositsTables" roleURI="http://www.santander.com/role/CustomerdepositsTables">
        <link:definition>9955531 - Disclosure - Customer deposits (Tables)</link:definition>
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      <link:roleType id="MarketabledebtsecuritiesTables" roleURI="http://www.santander.com/role/MarketabledebtsecuritiesTables">
        <link:definition>9955532 - Disclosure - Marketable debt securities (Tables)</link:definition>
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      <link:roleType id="SubordinatedliabilitiesTables" roleURI="http://www.santander.com/role/SubordinatedliabilitiesTables">
        <link:definition>9955533 - Disclosure - Subordinated liabilities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>9955534 - Disclosure - Other financial liabilities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="ProvisionsTables" roleURI="http://www.santander.com/role/ProvisionsTables">
        <link:definition>9955535 - Disclosure - Provisions (Tables)</link:definition>
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      <link:roleType id="OtherliabilitiesTables" roleURI="http://www.santander.com/role/OtherliabilitiesTables">
        <link:definition>9955536 - Disclosure - Other liabilities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="TaxmattersTables" roleURI="http://www.santander.com/role/TaxmattersTables">
        <link:definition>9955537 - Disclosure - Tax matters (Tables)</link:definition>
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        <link:definition>9955538 - Disclosure - Non-controlling interests (Tables)</link:definition>
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        <link:definition>9955540 - Disclosure - Accumulated retained earnings (Tables)</link:definition>
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        <link:definition>9955541 - Disclosure - Memorandum items (Tables)</link:definition>
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      <link:roleType id="InterestincomeTables" roleURI="http://www.santander.com/role/InterestincomeTables">
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      <link:roleType id="CommissionexpenseTables" roleURI="http://www.santander.com/role/CommissionexpenseTables">
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  <xs:element id="san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" abstract="false" name="ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" abstract="false" name="DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" abstract="false" name="DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" abstract="false" name="DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfCreditQualityTableTextBlock" abstract="false" name="DisclosureOfCreditQualityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfMacroeconomicScenariosTableTextBlock" abstract="false" name="DisclosureOfMacroeconomicScenariosTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" abstract="false" name="DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" abstract="false" name="DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" abstract="false" name="DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" abstract="false" name="DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" abstract="false" name="DisclosureOfHighQualityLiquidAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" abstract="false" name="DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" abstract="false" name="ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfLeverageCapitalAndRatioTableTextBlock" abstract="false" name="ScheduleOfLeverageCapitalAndRatioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" abstract="false" name="DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" abstract="false" name="DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_NumberOfSubsidiaries" abstract="false" name="NumberOfSubsidiaries" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" abstract="false" name="NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" abstract="false" name="RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseDueToChangesInPresentationMember" abstract="true" name="IncreaseDecreaseDueToChangesInPresentationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignCurrencyExchangeRateChangePercentage" abstract="false" name="ForeignCurrencyExchangeRateChangePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" abstract="false" name="ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PositiveImpactOnCommonEquityTierOneCapitalRadio" abstract="false" name="PositiveImpactOnCommonEquityTierOneCapitalRadio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="san_TypeOfAgreementAxis" abstract="true" name="TypeOfAgreementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_TypeOfAgreementDomain" abstract="true" name="TypeOfAgreementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" abstract="true" name="AgreementForTheSaleOfSantanderBankPolskaS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderBankPolskaSAMember" abstract="true" name="SantanderBankPolskaSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" abstract="true" name="SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" abstract="true" name="SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_WebsterFinancialCorporationMember" abstract="true" name="WebsterFinancialCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SaleOfProportionOfOwnershipInterestInSubsidiary" abstract="false" name="SaleOfProportionOfOwnershipInterestInSubsidiary" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_GainsLossesOnDisposalOfSubsidiaries" abstract="false" name="GainsLossesOnDisposalOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PortionOfConsiderationPaidReceivedInCashPerShare" abstract="false" name="PortionOfConsiderationPaidReceivedInCashPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="san_ConsiderationPaidReceivedInSharesPerShare" abstract="false" name="ConsiderationPaidReceivedInSharesPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_ConsiderationPaidReceivedInCashPerShare" abstract="false" name="ConsiderationPaidReceivedInCashPerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_ForeignCurrencyTranslationsNumberOfStages" abstract="false" name="ForeignCurrencyTranslationsNumberOfStages" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_InflationRate" abstract="false" name="InflationRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" abstract="false" name="ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="san_ForeignCurrencyRisksAbstract" abstract="true" name="ForeignCurrencyRisksAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" abstract="false" name="PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" abstract="false" name="DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" abstract="false" name="DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" abstract="false" name="PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" abstract="false" name="IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" abstract="false" name="IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ProjectQuasarInvestments2017SlMember" abstract="true" name="ProjectQuasarInvestments2017SlMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DefaultRateExpectedIncreasePercentage" abstract="false" name="DefaultRateExpectedIncreasePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ImpactOnCreditRiskProvision" abstract="false" name="ImpactOnCreditRiskProvision" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MaximumBillingsPercentage" abstract="false" name="MaximumBillingsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" abstract="false" name="UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" abstract="false" name="NonCurrentAssetsClassifiedAsHeldForSalePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_FurnitureMember" abstract="true" name="FurnitureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OfficeAndComputerEquipmentMember" abstract="true" name="OfficeAndComputerEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" abstract="false" name="UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SantanderConsumerS.A.Member" abstract="true" name="SantanderConsumerS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderConsumerBankPolskaMember" abstract="true" name="SantanderConsumerBankPolskaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" abstract="false" name="ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_SaleOfInterestHeldPricePerShare" abstract="false" name="SaleOfInterestHeldPricePerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_SaleOfOrdinarySharesInSubsidiaryShares" abstract="false" name="SaleOfOrdinarySharesInSubsidiaryShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SharesSoldPercentageOfShareCapital" abstract="false" name="SharesSoldPercentageOfShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_TSBBankingGroupPlcTSBMember" abstract="true" name="TSBBankingGroupPlcTSBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CaceisMember" abstract="true" name="CaceisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditAgricoleS.A.Member" abstract="true" name="CreditAgricoleS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProportionOfOwnershipInterestInAssociateSold" abstract="false" name="ProportionOfOwnershipInterestInAssociateSold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" abstract="false" name="GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" abstract="true" name="BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ConsiderationInCashPerAmericanDepositaryShare" abstract="false" name="ConsiderationInCashPerAmericanDepositaryShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_ExpectedConsiderationInCashPerAmericanDepositaryShare" abstract="false" name="ExpectedConsiderationInCashPerAmericanDepositaryShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_IncreaseThroughBusinessCombinationsReserves" abstract="false" name="IncreaseThroughBusinessCombinationsReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" abstract="false" name="IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" abstract="false" name="BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_RepurchaseTrustGroupEffectiveParticipationPercentage" abstract="false" name="RepurchaseTrustGroupEffectiveParticipationPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_TerritorialJurisdictionAxis" abstract="true" name="TerritorialJurisdictionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_TerritorialJurisdictionDomain" abstract="true" name="TerritorialJurisdictionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SpanishLegislationMember" abstract="true" name="SpanishLegislationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OffShoreEntitiesMember" abstract="true" name="OffShoreEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OffShoreEntitiesBranchesMember" abstract="true" name="OffShoreEntitiesBranchesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfBranchesResidentInOffShoreTerritories" abstract="false" name="NumberOfBranchesResidentInOffShoreTerritories" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_NumberOfSubsidiariesTaxResidentInTheUK" abstract="false" name="NumberOfSubsidiariesTaxResidentInTheUK" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" abstract="false" name="NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_NumberOfJurisdictionsWithinEUsBlacklist" abstract="false" name="NumberOfJurisdictionsWithinEUsBlacklist" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_NumberOfJurisdictionsWithinEUsGreyList" abstract="false" name="NumberOfJurisdictionsWithinEUsGreyList" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_JerseyTheIsleOfManAndTheCaymanIslandsMember" abstract="true" name="JerseyTheIsleOfManAndTheCaymanIslandsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CouncilOfTheEUBlacklistMember" abstract="true" name="CouncilOfTheEUBlacklistMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OECDMember" abstract="true" name="OECDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfSubsidiariesResidentInOffShoreTerritories" abstract="false" name="NumberOfSubsidiariesResidentInOffShoreTerritories" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_ScheduleOfProfitDistributionTable" abstract="true" name="ScheduleOfProfitDistributionTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_DividendAxis" abstract="true" name="DividendAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_DividendDomain" abstract="true" name="DividendDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InterimDividendMember" abstract="true" name="InterimDividendMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ComplementaryDividendMember" abstract="true" name="ComplementaryDividendMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ScheduleOfProfitDistributionLineItems" abstract="true" name="ScheduleOfProfitDistributionLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_NumberOfSharesOutstandingEntitledToReceiveDividend" abstract="false" name="NumberOfSharesOutstandingEntitledToReceiveDividend" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_ShareBuybackProgramAxis" abstract="true" name="ShareBuybackProgramAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_ShareBuybackProgramDomain" abstract="true" name="ShareBuybackProgramDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2024ProgramFirstMember" abstract="true" name="A2024ProgramFirstMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2024ProgramSecondMember" abstract="true" name="A2024ProgramSecondMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_SantanderSpainAndBancoSantanderMember" abstract="true" name="SantanderSpainAndBancoSantanderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" abstract="false" name="KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PeriodForInvestmentInBankSharesFromDateOfTermination" abstract="false" name="PeriodForInvestmentInBankSharesFromDateOfTermination" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" abstract="false" name="DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" abstract="false" name="DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" abstract="false" name="DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" abstract="false" name="KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LifeInsuranceMember" abstract="true" name="LifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherDirectorsMember" abstract="true" name="OtherDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PaymentOfCivilLiabilityInsurancePremium" abstract="false" name="PaymentOfCivilLiabilityInsurancePremium" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2022Member" abstract="true" name="ShareBasedVariableRemunerationAward2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DirectorsRetiredMember" abstract="true" name="DirectorsRetiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" abstract="false" name="VariableRemunerationDeferredPaymentRoTEObjectiveWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" abstract="false" name="VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" abstract="false" name="VariableRemunerationDeferredPaymentTSRObjectiveWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" abstract="false" name="VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" abstract="false" name="VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" abstract="false" name="VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" abstract="false" name="VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" abstract="false" name="VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" abstract="false" name="VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash" abstract="false" name="VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" abstract="false" name="VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" abstract="false" name="ShareBasedCompensationArrangementMaximumAuthorizedAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" abstract="false" name="VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" abstract="false" name="KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2019Member" abstract="true" name="ShareBasedVariableRemunerationAward2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2020Member" abstract="true" name="ShareBasedVariableRemunerationAward2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2021Member" abstract="true" name="ShareBasedVariableRemunerationAward2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2023Member" abstract="true" name="ShareBasedVariableRemunerationAward2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2024Member" abstract="true" name="ShareBasedVariableRemunerationAward2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2025Member" abstract="true" name="ShareBasedVariableRemunerationAward2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderBrasilSAMember" abstract="true" name="BancoSantanderBrasilSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfSharesEarnedInShareBasedPaymentArrangement" abstract="false" name="NumberOfSharesEarnedInShareBasedPaymentArrangement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" abstract="false" name="NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" abstract="false" name="NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" abstract="false" name="NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives" abstract="false" name="VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" abstract="false" name="VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" abstract="false" name="VariableRemunerationDeferredPaymentRoTEObjectiveResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" abstract="false" name="VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" abstract="false" name="VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" abstract="false" name="VariableRemunerationDeferredPaymentCET1ObjectiveResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" abstract="false" name="VariableRemunerationDeferredPaymentCET1ObjectiveTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" abstract="false" name="VariableRemunerationDeferredPaymentIndividualObjectivesWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentBPAGrowthResult" abstract="false" name="VariableRemunerationDeferredPaymentBPAGrowthResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentBPAGrowthTarget" abstract="false" name="VariableRemunerationDeferredPaymentBPAGrowthTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" abstract="false" name="VariableRemunerationDeferredPaymentTSRMinimumMetricResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" abstract="false" name="VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" abstract="false" name="VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DirectorRemunerationAbstract" abstract="true" name="DirectorRemunerationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" abstract="false" name="KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" abstract="false" name="MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_LongTermIncentivePlanMember" abstract="true" name="LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanMember" abstract="true" name="DeferredConditionalVariableRemunerationPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" abstract="false" name="KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SeniorManagementRetiredMember" abstract="true" name="SeniorManagementRetiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" abstract="false" name="KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RatioOfVariableToFixedPayComponents" abstract="false" name="RatioOfVariableToFixedPayComponents" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DiscretionaryPensionBenefitComponentPercentage" abstract="false" name="DiscretionaryPensionBenefitComponentPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" abstract="false" name="PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_LifeAndAccidentInsuranceCoverageLimit" abstract="false" name="LifeAndAccidentInsuranceCoverageLimit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FormerDirectorsOfTheBankMember" abstract="true" name="FormerDirectorsOfTheBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FormerExecutiveVicePresidentsMember" abstract="true" name="FormerExecutiveVicePresidentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FormerSeniorManagingDirectorsMember" abstract="true" name="FormerSeniorManagingDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProvisionsForEmployeeBenefitsAndOthersAxis" abstract="true" name="ProvisionsForEmployeeBenefitsAndOthersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_ProvisionsForEmployeeBenefitsAndOthersDomain" abstract="true" name="ProvisionsForEmployeeBenefitsAndOthersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" abstract="true" name="ProvisionForPostEmploymentDefinedBenefitObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" abstract="false" name="PostEmploymentBenefitExpenseContributionToInsurancePolicies" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ContractTerminationNoticePeriod" abstract="false" name="ContractTerminationNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" abstract="true" name="LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TimeDepositsMember" abstract="true" name="TimeDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReverseRepurchaseAgreementsMember" abstract="true" name="ReverseRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonLoanAdvancesMember" abstract="true" name="NonLoanAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ImpairedAssetsFinancialInstrumentTypeMember" abstract="true" name="ImpairedAssetsFinancialInstrumentTypeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" abstract="true" name="ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherCurrenciesMember" abstract="true" name="OtherCurrenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SpanishGovernmentDebtSecuritiesMember" abstract="true" name="SpanishGovernmentDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSForeignGovernmentDebtSecuritiesMember" abstract="true" name="IFRSForeignGovernmentDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DebtSecuritiesIssuedByFinancialInstitutionsMember" abstract="true" name="DebtSecuritiesIssuedByFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherFixedIncomeDebtSecuritiesMember" abstract="true" name="OtherFixedIncomeDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FixedIncomeAssetsMember" abstract="true" name="FixedIncomeAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherEuropeanCountriesMember" abstract="true" name="OtherEuropeanCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherAmericanCountriesMember" abstract="true" name="OtherAmericanCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RestOfWorldMember" abstract="true" name="RestOfWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PrivateFixedIncomeDebtSecuritiesMember" abstract="true" name="PrivateFixedIncomeDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PublicFixedIncomeDebtSecuritiesMember" abstract="true" name="PublicFixedIncomeDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialAssetsPercentage" abstract="false" name="FinancialAssetsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSStandardPoorsAAARatingMember" abstract="true" name="IFRSStandardPoorsAAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsAARatingMember" abstract="true" name="IFRSStandardPoorsAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsARatingMember" abstract="true" name="IFRSStandardPoorsARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsBBBRatingMember" abstract="true" name="IFRSStandardPoorsBBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsBelowBBBRatingMember" abstract="true" name="IFRSStandardPoorsBelowBBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_SecuritizedMortgageBondsMember" abstract="true" name="SecuritizedMortgageBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_IFRSEuropeanUnionMember" abstract="true" name="IFRSEuropeanUnionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSAmericaMember" abstract="true" name="IFRSAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialAssetsSharesOfDomesticCompaniesMember" abstract="true" name="FinancialAssetsSharesOfDomesticCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" abstract="false" name="AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" abstract="false" name="GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherRisksMember" abstract="true" name="OtherRisksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderUSCapitalMarketsLLCMember" abstract="true" name="SantanderUSCapitalMarketsLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialLiabilitiesAttributableToBorrowedSecurities" abstract="false" name="FinancialLiabilitiesAttributableToBorrowedSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_LoansAndAdvancesToCustomersTableLineItems" abstract="true" name="LoansAndAdvancesToCustomersTableLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="san_ConstructionAndPropertyDevelopmentLoansMember" abstract="true" name="ConstructionAndPropertyDevelopmentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CivilEngineeringConstructionLoansMember" abstract="true" name="CivilEngineeringConstructionLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CorporateLoansToLargeCompaniesMember" abstract="true" name="CorporateLoansToLargeCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" abstract="true" name="CorporateLoansToSMEsAndIndividualEntrepreneursMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" abstract="true" name="AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" abstract="false" name="IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_MetrovacesaSAMember" abstract="true" name="MetrovacesaSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CNPSantanderMember" abstract="true" name="CNPSantanderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PluxeeBeneficiosBrasilS.A.Member" abstract="true" name="PluxeeBeneficiosBrasilS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderCACEISLatamHolding1SLMember" abstract="true" name="SantanderCACEISLatamHolding1SLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderVidaSegurosYReasegurosMember" abstract="true" name="SantanderVidaSegurosYReasegurosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnionDeCreditosInmobiliariosSAEFCMember" abstract="true" name="UnionDeCreditosInmobiliariosSAEFCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FortuneAutoFinanceCoLtdMember" abstract="true" name="FortuneAutoFinanceCoLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_HyundaiCapitalUKLimitedMember" abstract="true" name="HyundaiCapitalUKLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_VolvoCarFinancialServicesUKLtd.Member" abstract="true" name="VolvoCarFinancialServicesUKLtd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoRCIBrasilSAMember" abstract="true" name="BancoRCIBrasilSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EquityMethodInvestmentsAxis" abstract="true" name="EquityMethodInvestmentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_EquityMethodInvestmentsDomain" abstract="true" name="EquityMethodInvestmentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AssociatesAndJointVenturesMember" abstract="true" name="AssociatesAndJointVenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CIPS.A.Member" abstract="true" name="CIPS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions" abstract="false" name="InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ChangesInScopeOfConsolidation" abstract="false" name="ChangesInScopeOfConsolidation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" abstract="false" name="InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_MortgageBackedBondsAverageMaturity" abstract="false" name="MortgageBackedBondsAverageMaturity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_MortgageBackedBondsLoanToValueRatioHomeLoans" abstract="false" name="MortgageBackedBondsLoanToValueRatioHomeLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" abstract="false" name="MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" abstract="false" name="SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_SubordinatedIssueUSGovernmentBondTerm" abstract="false" name="SubordinatedIssueUSGovernmentBondTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" abstract="true" name="ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DecreaseThroughInsurancePremiumsPaidProvisions" abstract="false" name="DecreaseThroughInsurancePremiumsPaidProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DecreaseThroughPaymentsToExternalFundsProvisions" abstract="false" name="DecreaseThroughPaymentsToExternalFundsProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DecreaseThroughAmountsUsedProvisions" abstract="false" name="DecreaseThroughAmountsUsedProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" abstract="false" name="IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_ProvisionsForPensionsAndSimilarObligationsMember" abstract="true" name="ProvisionsForPensionsAndSimilarObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProvisionsForPreRetirements" abstract="false" name="ProvisionsForPreRetirements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ProvisionForDefinedBenefits" abstract="false" name="ProvisionForDefinedBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ProvisionsForLabourProceedingsMember" abstract="true" name="ProvisionsForLabourProceedingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" abstract="false" name="NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" abstract="false" name="ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" abstract="false" name="IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" abstract="false" name="IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" abstract="true" name="LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" abstract="true" name="LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" abstract="true" name="LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" abstract="true" name="LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" abstract="true" name="LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseRelatedToTaxCompensationWithCreditsMember" abstract="true" name="LegalCaseRelatedToTaxCompensationWithCreditsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember" abstract="true" name="LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" abstract="true" name="LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderBrazilSASubsidiaryMember" abstract="true" name="BancoSantanderBrazilSASubsidiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderBrasilSaSubsidiaryMember" abstract="true" name="BancoSantanderBrasilSaSubsidiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoComercialEDeInvestimentoSudamerisSAMember" abstract="true" name="BancoComercialEDeInvestimentoSudamerisSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_GetnetTecnologiaProcesSAMember" abstract="true" name="GetnetTecnologiaProcesSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" abstract="false" name="NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_LegalProceedingsProvisionProbableLossFullyProvisioned" abstract="false" name="LegalProceedingsProvisionProbableLossFullyProvisioned" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" abstract="true" name="FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" abstract="true" name="ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" abstract="true" name="ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ActiveLoansUnderIAS37Member" abstract="true" name="ActiveLoansUnderIAS37Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" abstract="true" name="LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PlanosEconomicosMember" abstract="true" name="PlanosEconomicosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoPopularsCompensationRequestMember" abstract="true" name="BancoPopularsCompensationRequestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TaxDividendCumExTransactionsMember" abstract="true" name="TaxDividendCumExTransactionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IndividualPlaintiffCEOFunctionsMember" abstract="true" name="IndividualPlaintiffCEOFunctionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" abstract="true" name="ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InheritanceTrustMember" abstract="true" name="InheritanceTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SpanishSupremeCourtMortgageExpensesMember" abstract="true" name="SpanishSupremeCourtMortgageExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderInsuranceServicesUKLimitedMember" abstract="true" name="SantanderInsuranceServicesUKLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderBankPolskaAndSantanderConsumerBankPolandMember" abstract="true" name="SantanderBankPolskaAndSantanderConsumerBankPolandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoPopularEspanolSAMember" abstract="true" name="BancoPopularEspanolSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2018Member" abstract="true" name="ShareBasedVariableRemunerationAward2018Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ArbitrationMatterAmountClaimedByEntity" abstract="false" name="ArbitrationMatterAmountClaimedByEntity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ArbitrationMatterAmountClaimedByCounterparty" abstract="false" name="ArbitrationMatterAmountClaimedByCounterparty" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ArbitrationMatterAmountToBeReceivedByEntity" abstract="false" name="ArbitrationMatterAmountToBeReceivedByEntity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ArbitrationMatterAmountToBeReceivedByEntityInterest" abstract="false" name="ArbitrationMatterAmountToBeReceivedByEntityInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PeriodOfSuspensionOfEconomicPlanProcesses" abstract="false" name="PeriodOfSuspensionOfEconomicPlanProcesses" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_OtherEquityInstrumentsExpectedCost" abstract="false" name="OtherEquityInstrumentsExpectedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" abstract="false" name="OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LitigationContingenciesCompensationSoughtInLitigation" abstract="false" name="LitigationContingenciesCompensationSoughtInLitigation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements" abstract="false" name="LitigationContingenciesDecreaseInLossesOnLitigationSettlements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" abstract="false" name="MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" abstract="false" name="MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans" abstract="false" name="IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" abstract="false" name="IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MortgageLoansDenominatedInIndexedToSwissFrancs" abstract="false" name="MortgageLoansDenominatedInIndexedToSwissFrancs" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" abstract="false" name="LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" abstract="false" name="LegalProceedingsAmountOfSharesToBeTransferredByTrustee" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" abstract="false" name="PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfTheRegistryExpensesToBePaid" abstract="false" name="PercentageOfTheRegistryExpensesToBePaid" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfJudgmentsRendered" abstract="false" name="NumberOfJudgmentsRendered" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" abstract="false" name="ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ExpectedRateOfReturnOnPlanAssets" abstract="false" name="ExpectedRateOfReturnOnPlanAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" abstract="false" name="InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PostEmploymentPlansMember" abstract="true" name="PostEmploymentPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherSimilarBenefitsPlansMember" abstract="true" name="OtherSimilarBenefitsPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" abstract="false" name="DefinedBenefitObligationToCurrentEmployeesAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" abstract="false" name="DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitObligationToPreRetireesAtPresentValue" abstract="false" name="DefinedBenefitObligationToPreRetireesAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" abstract="false" name="DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InternalProvisionsForPensions" abstract="false" name="InternalProvisionsForPensions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NetPensionAssets" abstract="false" name="NetPensionAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InsuranceContractsLinkedToPensions" abstract="false" name="InsuranceContractsLinkedToPensions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_UnrecognizedNetAssetsForPensions" abstract="false" name="UnrecognizedNetAssetsForPensions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitPlansServiceCost" abstract="false" name="DefinedBenefitPlansServiceCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitPlansInterestExpenseNet" abstract="false" name="DefinedBenefitPlansInterestExpenseNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ExpectedReturnOnInsuranceContractsLinkedToPensions" abstract="false" name="ExpectedReturnOnInsuranceContractsLinkedToPensions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" abstract="false" name="ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" abstract="false" name="PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" abstract="false" name="PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" abstract="false" name="OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NetInclusionOfEntitiesInGroupDefinedBenefits" abstract="false" name="NetInclusionOfEntitiesInGroupDefinedBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PreRetirementCostDefinedBenefitLiabilityAsset" abstract="false" name="PreRetirementCostDefinedBenefitLiabilityAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" abstract="false" name="EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" abstract="false" name="ActuarialGainsLossesDefinedBenefitLiabilityAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" abstract="false" name="ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" abstract="false" name="GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InsuranceContractsLinkedToPensionsAbstract" abstract="true" name="InsuranceContractsLinkedToPensionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" abstract="false" name="InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InsuranceContractsLinkedToPensionsBenefitsPaid" abstract="false" name="InsuranceContractsLinkedToPensionsBenefitsPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" abstract="false" name="InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InsuranceContractsLinkedToPensionsActuarialGainsLosses" abstract="false" name="InsuranceContractsLinkedToPensionsActuarialGainsLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans" abstract="false" name="EstimatedFutureBenefitPayableFromDefinedBenefitPlans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NetAssetsForPensions" abstract="false" name="NetAssetsForPensions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitPlansProvisionsReversalNet" abstract="false" name="DefinedBenefitPlansProvisionsReversalNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitPlansCostOfServicesProvided" abstract="false" name="DefinedBenefitPlansCostOfServicesProvided" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitPlansOthers" abstract="false" name="DefinedBenefitPlansOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ContributionsMadeByEmployees" abstract="false" name="ContributionsMadeByEmployees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PlanAssetsAllocationPercentage" abstract="false" name="PlanAssetsAllocationPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ChargeToParticipants" abstract="false" name="ChargeToParticipants" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EuropeanUnionExcludingSpainMember" abstract="true" name="EuropeanUnionExcludingSpainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherForeignCountriesNotIncludingCountriesInEUMember" abstract="true" name="OtherForeignCountriesNotIncludingCountriesInEUMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_BankOfNewYorkMellonCorporationMember" abstract="true" name="BankOfNewYorkMellonCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CitibankMember" abstract="true" name="CitibankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BNPParibasMember" abstract="true" name="BNPParibasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CaceisBankMember" abstract="true" name="CaceisBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TheNorthernTrustMember" abstract="true" name="TheNorthernTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2023ProgramMember" abstract="true" name="A2023ProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RedemptionOfTreasurySharesShares" abstract="false" name="RedemptionOfTreasurySharesShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_PurchaseOfTreasurySharesNumberOfShares" abstract="false" name="PurchaseOfTreasurySharesNumberOfShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_CrestDepositaryInterestShareEquivalent" abstract="false" name="CrestDepositaryInterestShareEquivalent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_AmericanDepositaryReceiptShareEquivalent" abstract="false" name="AmericanDepositaryReceiptShareEquivalent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" abstract="false" name="PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfEquityInterestsHeldBySignificantShareholders" abstract="false" name="PercentageOfEquityInterestsHeldBySignificantShareholders" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" abstract="false" name="PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" abstract="false" name="NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" abstract="false" name="SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" abstract="false" name="NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" abstract="false" name="SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInNetIssuePremium" abstract="false" name="IncreaseDecreaseInNetIssuePremium" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RedemptionOfTreasurySharesPurchaseValue" abstract="false" name="RedemptionOfTreasurySharesPurchaseValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RedemptionOfTreasurySharesParValue" abstract="false" name="RedemptionOfTreasurySharesParValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RestrictedReserves" abstract="false" name="RestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RetiredCapitalReserve" abstract="false" name="RetiredCapitalReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_UnrestrictedReserves" abstract="false" name="UnrestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_VoluntaryReserve" abstract="false" name="VoluntaryReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ConsolidationReserve" abstract="false" name="ConsolidationReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReservesOfSubsidiaries" abstract="false" name="ReservesOfSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReserveForEquityMethodInvestments" abstract="false" name="ReserveForEquityMethodInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RetainedEarningsAndOtherReserves" abstract="false" name="RetainedEarningsAndOtherReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" abstract="false" name="PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" abstract="false" name="PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" abstract="false" name="MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_SantanderConsumerFinanceGroupMember" abstract="true" name="SantanderConsumerFinanceGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderArgentinaSAMember" abstract="true" name="BancoSantanderArgentinaSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderInvestmentSAMember" abstract="true" name="SantanderInvestmentSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderInternationalSAMember" abstract="true" name="BancoSantanderInternationalSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" abstract="true" name="OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReservesOfSubsidiariesRestricted" abstract="false" name="ReservesOfSubsidiariesRestricted" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" abstract="true" name="DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_A2023ProgramSecondMember" abstract="true" name="A2023ProgramSecondMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2024ProgramMember" abstract="true" name="A2024ProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2025ProgramMember" abstract="true" name="A2025ProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" abstract="true" name="DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_NominalValueOfEquityComponentOfConvertibleInstruments" abstract="false" name="NominalValueOfEquityComponentOfConvertibleInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" abstract="false" name="TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_WeightedAverageSharePurchasePrice" abstract="false" name="WeightedAverageSharePurchasePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_TreasurySharesNumberOfSharesAmortized" abstract="false" name="TreasurySharesNumberOfSharesAmortized" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_TreasurySharesNumberOfSharesTransferred" abstract="false" name="TreasurySharesNumberOfSharesTransferred" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_WeightedAverageShareSellingPrice" abstract="false" name="WeightedAverageShareSellingPrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_TreasurySharesNumberOfSharesTransferredThroughDonations" abstract="false" name="TreasurySharesNumberOfSharesTransferredThroughDonations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NetPurchaseSaleOfTreasuryShares" abstract="false" name="NetPurchaseSaleOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_BankSuretiesGrantedMember" abstract="true" name="BankSuretiesGrantedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SoldCreditDerivativesMember" abstract="true" name="SoldCreditDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherGrantedGuaranteesMember" abstract="true" name="OtherGrantedGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherContingentCommitmentsMember" abstract="true" name="OtherContingentCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonManagedMarketedFunds" abstract="false" name="NonManagedMarketedFunds" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" abstract="false" name="ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PensionFundsMember" abstract="true" name="PensionFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AssetsUnderManagementMember" abstract="true" name="AssetsUnderManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" abstract="false" name="OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InterestRateAndExchangeRateRiskMember" abstract="true" name="InterestRateAndExchangeRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BaseRiskMember" abstract="true" name="BaseRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InflationRiskMember" abstract="true" name="InflationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketValueOfEquityMember" abstract="true" name="MarketValueOfEquityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CapsFloorsMember" abstract="true" name="CapsFloorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignExchangeForwardContractMember" abstract="true" name="ForeignExchangeForwardContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignExchangeSwapMember" abstract="true" name="ForeignExchangeSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InflationSwapContractMember" abstract="true" name="InflationSwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EquitySwapContractMember" abstract="true" name="EquitySwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BasisRiskMember" abstract="true" name="BasisRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AustraliaDollarAndEuroMember" abstract="true" name="AustraliaDollarAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CzechRepublicKorunyAndEuroMember" abstract="true" name="CzechRepublicKorunyAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RomaniaNewLeiAndEuroMember" abstract="true" name="RomaniaNewLeiAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_HongKongDollarsAndEuroMember" abstract="true" name="HongKongDollarsAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_JapanYenAndEuroMember" abstract="true" name="JapanYenAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NorwayKroneAndEuroMember" abstract="true" name="NorwayKroneAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SwitzerlandFrancsAndEuroMember" abstract="true" name="SwitzerlandFrancsAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuroAndPoundSterlingMember" abstract="true" name="EuroAndPoundSterlingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NewZealandDollarAndEuroMember" abstract="true" name="NewZealandDollarAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnitedStatesDollarAndMexicanPesoMember" abstract="true" name="UnitedStatesDollarAndMexicanPesoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnitedStatesDollarAndColombiaPesoMember" abstract="true" name="UnitedStatesDollarAndColombiaPesoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuroAndUnitedStatesDollarMember" abstract="true" name="EuroAndUnitedStatesDollarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnitedStatesDollarAndChilePesoMember" abstract="true" name="UnitedStatesDollarAndChilePesoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuroAndPeruvianNuevoSolMember" abstract="true" name="EuroAndPeruvianNuevoSolMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuroAndAustralianDollarMember" abstract="true" name="EuroAndAustralianDollarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AustralianDollarAndEuroMember" abstract="true" name="AustralianDollarAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuroAndColombiaPesoMember" abstract="true" name="EuroAndColombiaPesoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" abstract="false" name="AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" abstract="false" name="AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_CashFlowReservesOrConversionReservesContinuingHedges" abstract="false" name="CashFlowReservesOrConversionReservesContinuingHedges" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_CashFlowReservesOrConversionReservesDiscontinuedHedges" abstract="false" name="CashFlowReservesOrConversionReservesDiscontinuedHedges" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MacroCashFlowsHedgeHedgedPosition" abstract="false" name="MacroCashFlowsHedgeHedgedPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DesignatedAndNotDesignatedItemsAxis" abstract="true" name="DesignatedAndNotDesignatedItemsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_DesignatedAndNotDesignatedItemsDomain" abstract="true" name="DesignatedAndNotDesignatedItemsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DesignatedItemsMember" abstract="true" name="DesignatedItemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" abstract="false" name="GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" abstract="false" name="ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NotDesignatedItemsByTimePeriodMember" abstract="true" name="NotDesignatedItemsByTimePeriodMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NotDesignatedItemsByTransactionMember" abstract="true" name="NotDesignatedItemsByTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReserveOfHedgingInstruments" abstract="false" name="ReserveOfHedgingInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_GainLossInValueRecognisedInEquity" abstract="false" name="GainLossInValueRecognisedInEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments" abstract="false" name="OtherReclassificationAdjustmentsReserveOfHedgingInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" abstract="false" name="NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RenegotiationAndContractualModificationsMember" abstract="true" name="RenegotiationAndContractualModificationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DigitalTransformationAward2020Member" abstract="true" name="DigitalTransformationAward2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DigitalTransformationAward2021Member" abstract="true" name="DigitalTransformationAward2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DigitalTransformationAward2022Member" abstract="true" name="DigitalTransformationAward2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DigitalTransformationAward2022FirstBlockMember" abstract="true" name="DigitalTransformationAward2022FirstBlockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DigitalTransformationAward2022SecondBlockMember" abstract="true" name="DigitalTransformationAward2022SecondBlockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DigitalTransformationAward2023Member" abstract="true" name="DigitalTransformationAward2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DigitalTransformationAward2024Member" abstract="true" name="DigitalTransformationAward2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DigitalTransformationAward2025Member" abstract="true" name="DigitalTransformationAward2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" abstract="false" name="DeferredVariableRemunerationMaximumTotalAmountOfIncentive" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" abstract="false" name="DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" abstract="false" name="DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" abstract="false" name="DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" abstract="false" name="DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" abstract="false" name="DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" abstract="false" name="DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" abstract="false" name="DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage" abstract="false" name="DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" abstract="false" name="KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" abstract="false" name="KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" abstract="false" name="KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DeferredVariableRemunerationNumberOfDifferentBlocks" abstract="false" name="DeferredVariableRemunerationNumberOfDifferentBlocks" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" abstract="false" name="ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_TechnologySystemsExpense" abstract="false" name="TechnologySystemsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TechnicalReportsExpense" abstract="false" name="TechnicalReportsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SurveillanceAndCourierServicesExpense" abstract="false" name="SurveillanceAndCourierServicesExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_AuditorsRemunerationForAuditRelatedServices" abstract="false" name="AuditorsRemunerationForAuditRelatedServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_BDOMember" abstract="true" name="BDOMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfOffices" abstract="false" name="NumberOfOffices" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" abstract="false" name="GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" abstract="true" name="DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="san_FinancialInstrumentsManagementNumberOfIndependentDivisions" abstract="false" name="FinancialInstrumentsManagementNumberOfIndependentDivisions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" abstract="false" name="FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" abstract="false" name="GainsLossesRecognisedInProfitOrLossFairValueMeasurement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_LiabilitiesUnderInsuranceContractsMember" abstract="true" name="LiabilitiesUnderInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" abstract="true" name="DerivativesDesignatedAsHedgingInstrumentsCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_ExchangeRateOptionMember" abstract="true" name="ExchangeRateOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IndexAndSecuritiesOptionsMember" abstract="true" name="IndexAndSecuritiesOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForwardsOnInterestRateAndVariableIncomeMember" abstract="true" name="ForwardsOnInterestRateAndVariableIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DebtAndEquityInstrumentsMember" abstract="true" name="DebtAndEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_CorporateDebtMember" abstract="true" name="CorporateDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_LoanMember" abstract="true" name="LoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_GovernmentDebtMember" abstract="true" name="GovernmentDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MortgageLettersDebtSecuritiesMember" abstract="true" name="MortgageLettersDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EQOptionsMember" abstract="true" name="EQOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_IROptionsMember" abstract="true" name="IROptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_MortgagePortfolioMember" abstract="true" name="MortgagePortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignExchangeOptionsMember" abstract="true" name="ForeignExchangeOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReposReverseReposMember" abstract="true" name="ReposReverseReposMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SecuritisationSwapMember" abstract="true" name="SecuritisationSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_StructuredNotesMember" abstract="true" name="StructuredNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_PriceMeasurementInputMember" abstract="true" name="PriceMeasurementInputMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_MarginOfAPreferencePortfolioMeasurementInputMember" abstract="true" name="MarginOfAPreferencePortfolioMeasurementInputMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketPriceMeasurementInputMember" abstract="true" name="MarketPriceMeasurementInputMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DiscountedCashFlowsOnInterestRateCurveMember" abstract="true" name="DiscountedCashFlowsOnInterestRateCurveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" abstract="true" name="DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_CreditDefaultModelsMember" abstract="true" name="CreditDefaultModelsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_VolatilityOptionModelValuationTechniqueMember" abstract="true" name="VolatilityOptionModelValuationTechniqueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_AssetSwapModelValuationTechniqueMember" abstract="true" name="AssetSwapModelValuationTechniqueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" abstract="true" name="MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" abstract="true" name="CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_HomePurchaseLoansMember" abstract="true" name="HomePurchaseLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditCardsMember" abstract="true" name="CreditCardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LTVLessThan70PercentMember" abstract="true" name="LTVLessThan70PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSLTVLessThan80PercentMember" abstract="true" name="IFRSLTVLessThan80PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SmallAndMediumEntitiesAndCorporatesMember" abstract="true" name="SmallAndMediumEntitiesAndCorporatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditImpairedMember" abstract="true" name="CreditImpairedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_RealEstateOperationsInSpainSegmentMember" abstract="true" name="RealEstateOperationsInSpainSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeclosedPropertiesMember" abstract="true" name="ForeclosedPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_LargeExposureCustomersTopFortyMember" abstract="true" name="LargeExposureCustomersTopFortyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForborneLoanPortfolioMember" abstract="true" name="ForborneLoanPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfCreditRiskCategories" abstract="false" name="NumberOfCreditRiskCategories" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="san_PercentageOfTotalPortfolioAtRisk" abstract="false" name="PercentageOfTotalPortfolioAtRisk" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_BuyToLetMortgagesMortgagePortfolioPercentage" abstract="false" name="BuyToLetMortgagesMortgagePortfolioPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" abstract="false" name="PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" abstract="false" name="ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" abstract="false" name="IncreaseDecreaseInNonPerformingCoverageRatioPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_PercentageOfDecreaseInCostOfCredit" abstract="false" name="PercentageOfDecreaseInCostOfCredit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LoansPercentageSecuredByMortgage" abstract="false" name="LoansPercentageSecuredByMortgage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" abstract="false" name="IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_IncreaseDecreaseInPortfolioOfSME" abstract="false" name="IncreaseDecreaseInPortfolioOfSME" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ICOLoanGrantedAsResultOfThePandemic" abstract="false" name="ICOLoanGrantedAsResultOfThePandemic" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ICOLoanPandemic" abstract="false" name="ICOLoanPandemic" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ICOLoansPercentageOfTotalPortfolio" abstract="false" name="ICOLoansPercentageOfTotalPortfolio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DecreaseInNonPerformingRatioPercent" abstract="false" name="DecreaseInNonPerformingRatioPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseInNonPerformingLoansRatio" abstract="false" name="IncreaseInNonPerformingLoansRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfIncreaseDecreaseInCostOfCredit" abstract="false" name="PercentageOfIncreaseDecreaseInCostOfCredit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" abstract="false" name="ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LendingCreditRiskPercentageOfGroup" abstract="false" name="LendingCreditRiskPercentageOfGroup" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInLendingPercentage" abstract="false" name="IncreaseDecreaseInLendingPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfBusinessLinesCommercialSegment" abstract="false" name="NumberOfBusinessLinesCommercialSegment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_IncreaseInNonPerformingRatioPercent" abstract="false" name="IncreaseInNonPerformingRatioPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ExposureToCreditRiskNumberOfTranches" abstract="false" name="ExposureToCreditRiskNumberOfTranches" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_EvolutionProjectionPeriod" abstract="false" name="EvolutionProjectionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_IncreaseDecreaseInCreditRiskWithCustomersPercent" abstract="false" name="IncreaseDecreaseInCreditRiskWithCustomersPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageIncreaseInCreditRiskExcludingExchangeRate" abstract="false" name="PercentageIncreaseInCreditRiskExcludingExchangeRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NonPerformingLoansRatio" abstract="false" name="NonPerformingLoansRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NetLoanLossProvision" abstract="false" name="NetLoanLossProvision" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseInProvisionForLoanLoss" abstract="false" name="IncreaseDecreaseInProvisionForLoanLoss" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LargeExposurePercentageOfEligibleCapitalThreshold" abstract="false" name="LargeExposurePercentageOfEligibleCapitalThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LargeExposureMaximumPercentageOfEligibleCapital" abstract="false" name="LargeExposureMaximumPercentageOfEligibleCapital" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfGroups" abstract="false" name="NumberOfGroups" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_PercentageOfTotalSovereignRisk" abstract="false" name="PercentageOfTotalSovereignRisk" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ForborneLoanPortfolioAmount" abstract="false" name="ForborneLoanPortfolioAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" abstract="false" name="LoansAndReceivablesPercentageCoveredBySpecificAllowances" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" abstract="false" name="ForborneLoansPerformingCriteriaNumberOfDaysPastDue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_LoansAndAdvancesToCustomersSecuredPercentage" abstract="false" name="LoansAndAdvancesToCustomersSecuredPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CreditQualityAxis" abstract="true" name="CreditQualityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_CreditQualityDomain" abstract="true" name="CreditQualityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FromAAAToAAMember" abstract="true" name="FromAAAToAAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FromAToBBMember" abstract="true" name="FromAToBBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FromBBToBMember" abstract="true" name="FromBBToBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CCCAndBelowMember" abstract="true" name="CCCAndBelowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" abstract="true" name="LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioMember" abstract="true" name="PessimisticScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioThreeMember" abstract="true" name="PessimisticScenarioThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioTwoMember" abstract="true" name="PessimisticScenarioTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioOneMember" abstract="true" name="PessimisticScenarioOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BaseScenarioMember" abstract="true" name="BaseScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OptimisticScenarioMember" abstract="true" name="OptimisticScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesInterestRate" abstract="false" name="EstimationOfExpectedLossesInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesUnemploymentRate" abstract="false" name="EstimationOfExpectedLossesUnemploymentRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesHousingPriceChangeRate" abstract="false" name="EstimationOfExpectedLossesHousingPriceChangeRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesGDPGrowthRate" abstract="false" name="EstimationOfExpectedLossesGDPGrowthRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesManheimGrowthRate" abstract="false" name="EstimationOfExpectedLossesManheimGrowthRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesManheimIndex" abstract="false" name="EstimationOfExpectedLossesManheimIndex" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesBurdenIncomeRate" abstract="false" name="EstimationOfExpectedLossesBurdenIncomeRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_OptimisticScenarioOneMember" abstract="true" name="OptimisticScenarioOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" abstract="false" name="PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LoansToSmallAndMediumSizedEnterprisesMember" abstract="true" name="LoansToSmallAndMediumSizedEnterprisesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AutoMember" abstract="true" name="AutoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansToOtherEntitiesMember" abstract="true" name="LoansToOtherEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SCAutoMember" abstract="true" name="SCAutoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DecreaseThroughForeclosure" abstract="false" name="DecreaseThroughForeclosure" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DecreaseThroughWriteoffFinancialAsset" abstract="false" name="DecreaseThroughWriteoffFinancialAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PrivateSectorMember" abstract="true" name="PrivateSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ResidentialPropertyCollateralMember" abstract="true" name="ResidentialPropertyCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonResidentialPropertyCollateralMember" abstract="true" name="NonResidentialPropertyCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DevelopedLandCollateralMember" abstract="true" name="DevelopedLandCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UndevelopedLandCollateralMember" abstract="true" name="UndevelopedLandCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AccumulatedImpairmentSinceInitialImpairmentMember" abstract="true" name="AccumulatedImpairmentSinceInitialImpairmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CompletedBuildingsMember" abstract="true" name="CompletedBuildingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BuildingsAndOtherConstructionsUnderConstructionMember" abstract="true" name="BuildingsAndOtherConstructionsUnderConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LandLoansMember" abstract="true" name="LandLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DevelopedConsolidatedLandMember" abstract="true" name="DevelopedConsolidatedLandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LandLoansOtherMember" abstract="true" name="LandLoansOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeclosedPropertiesAbstract" abstract="true" name="ForeclosedPropertiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_DecreaseThroughDisposalsFinancialAssets" abstract="false" name="DecreaseThroughDisposalsFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_CentralGovernmentMember" abstract="true" name="CentralGovernmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherCentralGovernmentMember" abstract="true" name="OtherCentralGovernmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InternallyAdaptedCreditGradesAxis" abstract="true" name="InternallyAdaptedCreditGradesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_InternallyAdaptedCreditGradesDomain" abstract="true" name="InternallyAdaptedCreditGradesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LessThanBBBRatingMember" abstract="true" name="LessThanBBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SovereignRiskMember" abstract="true" name="SovereignRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MaximumExposureLimitPercentage" abstract="false" name="MaximumExposureLimitPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_RestOfEurozoneMember" abstract="true" name="RestOfEurozoneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" abstract="true" name="FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" abstract="true" name="NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditEntitiesMember" abstract="true" name="CreditEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherWarehousesMember" abstract="true" name="OtherWarehousesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RealEstateGuaranteeMember" abstract="true" name="RealEstateGuaranteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RestOfRealGuaranteesMember" abstract="true" name="RestOfRealGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancingReceivablesModificationsNumberOfContracts" abstract="false" name="FinancingReceivablesModificationsNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" abstract="false" name="LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SensitivityAnalysisVariableAxis" abstract="true" name="SensitivityAnalysisVariableAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_SensitivityAnalysisVariableDomain" abstract="true" name="SensitivityAnalysisVariableDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NIIRiskConcentrationMember" abstract="true" name="NIIRiskConcentrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EVERiskConcentrationMember" abstract="true" name="EVERiskConcentrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TypesOfAssetsAxis" abstract="true" name="TypesOfAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_TypesOfAssetsDomain" abstract="true" name="TypesOfAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OnBalanceSheetAssetsMember" abstract="true" name="OnBalanceSheetAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OffBalanceSheetAssetsMember" abstract="true" name="OffBalanceSheetAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RiskManagementVaRCalculationTimeFrame" abstract="false" name="RiskManagementVaRCalculationTimeFrame" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" abstract="false" name="IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ValueAtRiskConfidenceLevelPercentage" abstract="false" name="ValueAtRiskConfidenceLevelPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ValueAtEarningsConfidenceLevelPercentage" abstract="false" name="ValueAtEarningsConfidenceLevelPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" abstract="false" name="IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PercentOfCoreCapitalRatioCoveredAgainstRisk" abstract="false" name="PercentOfCoreCapitalRatioCoveredAgainstRisk" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" abstract="false" name="ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_TransactionalDepositsPercentage" abstract="false" name="TransactionalDepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" abstract="false" name="DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LiquidityRiskNumberOfStandardScenariosDefined" abstract="false" name="LiquidityRiskNumberOfStandardScenariosDefined" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" abstract="false" name="AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CollateralAssetsNumberOfCategories" abstract="false" name="CollateralAssetsNumberOfCategories" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" abstract="false" name="AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" abstract="false" name="AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TotalEncumberedAssetsCarryingValue" abstract="false" name="TotalEncumberedAssetsCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" abstract="true" name="MarketRiskEvaluatedUsingValueAtRiskMetricMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherMarketRiskMember" abstract="true" name="OtherMarketRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InterestRateAndCreditSpreadRiskMember" abstract="true" name="InterestRateAndCreditSpreadRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CurrencyAndInterestRateRiskMember" abstract="true" name="CurrencyAndInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditSpreadRiskMember" abstract="true" name="CreditSpreadRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ExpectedShortfallConfidenceLevelPercentage" abstract="false" name="ExpectedShortfallConfidenceLevelPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" abstract="false" name="TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_ExpectedShortfall" abstract="false" name="ExpectedShortfall" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_BankingBookMember" abstract="true" name="BankingBookMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_StructuralRisksMember" abstract="true" name="StructuralRisksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketableAssetsLevel1Member" abstract="true" name="MarketableAssetsLevel1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketableAssetsLevel2AMember" abstract="true" name="MarketableAssetsLevel2AMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketableAssetsLevel2BMember" abstract="true" name="MarketableAssetsLevel2BMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_HighQualityLiquidAssets" abstract="false" name="HighQualityLiquidAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsAdjusted" abstract="false" name="HighQualityLiquidAssetsAdjusted" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsCashOutflowInflow" abstract="false" name="HighQualityLiquidAssetsCashOutflowInflow" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsCashOutflow" abstract="false" name="HighQualityLiquidAssetsCashOutflow" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsCashInflow" abstract="false" name="HighQualityLiquidAssetsCashInflow" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ConsolidatedLiquidityCoverageRatio" abstract="false" name="ConsolidatedLiquidityCoverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_GroupLiquidityCoverageRatio" abstract="false" name="GroupLiquidityCoverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NetStableFundingRatio" abstract="false" name="NetStableFundingRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_UnmaturedMember" abstract="true" name="UnmaturedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" abstract="false" name="CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IFRSAssetsFairValueDisclosure" abstract="false" name="IFRSAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherCollateralAssetsMember" abstract="true" name="OtherCollateralAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" abstract="true" name="EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" abstract="false" name="FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" abstract="false" name="FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" abstract="true" name="DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" abstract="true" name="DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalRatio1" abstract="false" name="CommonEquityTierOneCapitalRatio1" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityPillarOneCapitalRatio" abstract="false" name="CommonEquityPillarOneCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityPillarTwoCapitalRatio" abstract="false" name="CommonEquityPillarTwoCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityCapitalConservationBufferPercentage" abstract="false" name="CommonEquityCapitalConservationBufferPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" abstract="false" name="CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" abstract="false" name="CommonEquityTierOneCapitalCountercyclicalBufferPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalSystematicRiskRequirement" abstract="false" name="CommonEquityTierOneCapitalSystematicRiskRequirement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" abstract="false" name="IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSCapitalToRiskWeightedAssets" abstract="false" name="IFRSCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" abstract="false" name="NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" abstract="false" name="GlobalSystemicallyImportantBankDesignationNumberOfCriteria" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" abstract="false" name="GlobalSystemicallyImportantBanksCapitalBufferPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfCapitalBuffer" abstract="false" name="NumberOfCapitalBuffer" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" abstract="false" name="DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" abstract="false" name="EquityAttributableToOwnersOfParentBeforeValuationAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherReservesValuationAdjustments" abstract="false" name="OtherReservesValuationAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" abstract="false" name="RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" abstract="false" name="SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalAdjustmentAccruedDividend" abstract="false" name="RegulatoryCapitalAdjustmentAccruedDividend" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalOtherAdjustments" abstract="false" name="RegulatoryCapitalOtherAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsCommonEquityTierOneCapital" abstract="false" name="IfrsCommonEquityTierOneCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" abstract="false" name="RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" abstract="false" name="CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" abstract="false" name="TierOneCapitalInExcessOfCommonEquityTierOneCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsTierTwoRiskBasedCapital" abstract="false" name="IfrsTierTwoRiskBasedCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsRiskWeightedAssets" abstract="false" name="IfrsRiskWeightedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" abstract="false" name="TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" abstract="false" name="IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_TreasurySharesHeldAndFinanced" abstract="false" name="TreasurySharesHeldAndFinanced" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_CapitalReserveCommonEquityTierOneBasis" abstract="false" name="CapitalReserveCommonEquityTierOneBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherRetainedEarnings" abstract="false" name="OtherRetainedEarnings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NonControllingInterestsCommonEquityTierOneBasis" abstract="false" name="NonControllingInterestsCommonEquityTierOneBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ProfitLossNetOfDividends" abstract="false" name="ProfitLossNetOfDividends" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapitalDeductions" abstract="false" name="EligibleCapitalDeductions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IntangibleAssetsAndGoodwillNetOfResidualValue" abstract="false" name="IntangibleAssetsAndGoodwillNetOfResidualValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapitalDeductionsOther" abstract="false" name="EligibleCapitalDeductionsOther" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" abstract="false" name="EligibleCapitalEligibleInstrumentsAdditionalTierOne" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ExcessTierOneRiskBasedCapitalSubsidiaries" abstract="false" name="ExcessTierOneRiskBasedCapitalSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" abstract="false" name="SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" abstract="false" name="InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ExcessTierTwoRiskBasedCapitalSubsidiaries" abstract="false" name="ExcessTierTwoRiskBasedCapitalSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapital" abstract="false" name="EligibleCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsTierOneLeverageCapital" abstract="false" name="IfrsTierOneLeverageCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TierOneLeverageCapitalExposureAverageAssets" abstract="false" name="TierOneLeverageCapitalExposureAverageAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IFRSTierOneLeverageCapitalToAverageAssets" abstract="false" name="IFRSTierOneLeverageCapitalToAverageAssets" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_BankSubsidiariesMember" abstract="true" name="BankSubsidiariesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonBankSubsidiariesMember" abstract="true" name="NonBankSubsidiariesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InvestmentSecurities" abstract="false" name="InvestmentSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LoansAndLeasesNet" abstract="false" name="LoansAndLeasesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DepositLiability" abstract="false" name="DepositLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EarningAssetsMember" abstract="true" name="EarningAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InterestIncomeExpenseNetPlusDividendsFromAffiliates" abstract="false" name="InterestIncomeExpenseNetPlusDividendsFromAffiliates" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" abstract="false" name="NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReclassificationToInitialCarryingAmountOfHedgedItems" abstract="false" name="ReclassificationToInitialCarryingAmountOfHedgedItems" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" abstract="false" name="OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" abstract="false" name="OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IssuanceRedemptionOfTreasuryShares" abstract="false" name="IssuanceRedemptionOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" abstract="true" name="PreferenceSharesAndPreferredSecuritiesByIssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceBySantanderUKPLCInOctober1995Member" abstract="true" name="IssuanceBySantanderUKPLCInOctober1995Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceBySantanderUKPLCInFebruary1996Member" abstract="true" name="IssuanceBySantanderUKPLCInFebruary1996Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" abstract="true" name="IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" abstract="true" name="IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" abstract="true" name="IssuanceBySantanderFinancePreferredSAInSeptember2004Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CMS10InterestRateMember" abstract="true" name="CMS10InterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_USTRateFiveYearUSDollarMember" abstract="true" name="USTRateFiveYearUSDollarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
