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  <xs:element id="san_OtherInstrumentsNotCapitalMember" abstract="true" name="OtherInstrumentsNotCapitalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProfitLossAttributableToShareholdersOfParentMember" abstract="true" name="ProfitLossAttributableToShareholdersOfParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InterimDividendsMember" abstract="true" name="InterimDividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember" abstract="true" name="NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome" abstract="false" name="IncreaseDecreaseInEquityOtherThanComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IssuanceOfPreferredShares" abstract="false" name="IssuanceOfPreferredShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IssuanceOfOtherFinancialInstruments" abstract="false" name="IssuanceOfOtherFinancialInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MaturityOfOtherFinancialInstruments" abstract="false" name="MaturityOfOtherFinancialInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TransferFromEquityToLiabilities" abstract="false" name="TransferFromEquityToLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TransferFromLiabilitiesToEquity" abstract="false" name="TransferFromLiabilitiesToEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransfersBetweenEquityItems" abstract="false" name="IncreaseDecreaseThroughTransfersBetweenEquityItems" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AdjustmentsForDecreaseIncreaseInOperatingAssets" abstract="false" name="AdjustmentsForDecreaseIncreaseInOperatingAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" abstract="false" name="AdjustmentsForIncreaseDecreaseInOperatingLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" abstract="false" name="PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherPaymentsOfCashClassifiedAsInvestingActivities" abstract="false" name="OtherPaymentsOfCashClassifiedAsInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherProceedsOfCashClassifiedAsInvestingActivities" abstract="false" name="OtherProceedsOfCashClassifiedAsInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OutflowsOfCashFromFinancingActivities" abstract="false" name="OutflowsOfCashFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PaymentsToRedeemEntityShares" abstract="false" name="PaymentsToRedeemEntityShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PaymentsToAcquireEntityShares" abstract="false" name="PaymentsToAcquireEntityShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherOutflowsOfCashClassifiedAsFinancingActivities" abstract="false" name="OtherOutflowsOfCashClassifiedAsFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InflowsOfCashFromFinancingActivities" abstract="false" name="InflowsOfCashFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherInflowsOfCashClassifiedAsFinancingActivities" abstract="false" name="OtherInflowsOfCashClassifiedAsFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MemorandumItemsAbstract" abstract="true" name="MemorandumItemsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_DisclosureOfShareholderRemunerationAndEarningsPerShareTextBlock" abstract="false" name="DisclosureOfShareholderRemunerationAndEarningsPerShareTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_RemunerationAndOtherBenefitsAbstract" abstract="true" name="RemunerationAndOtherBenefitsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" abstract="false" name="DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfShareholdersEquityTextBlock" abstract="false" name="DisclosureOfShareholdersEquityTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_OffBalanceSheetExposures" abstract="true" name="OffBalanceSheetExposures" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_AverageHeadcountAndNumberOfBranches" abstract="true" name="AverageHeadcountAndNumberOfBranches" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_DisclosureOfEmployeesHeadcountAndNumberOfBranchesTextBlock" abstract="false" name="DisclosureOfEmployeesHeadcountAndNumberOfBranchesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_OtherDisclosures" abstract="true" name="OtherDisclosures" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_DisclosureOfOtherPertinentInformationTextBlock" abstract="false" name="DisclosureOfOtherPertinentInformationTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ParentCompanyFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesAbstract" abstract="true" name="ParentCompanyFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" abstract="false" name="DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfDividendsPaidTableTextBlock" abstract="false" name="ScheduleOfDividendsPaidTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationPaidExplanatoryTableTextBlock" abstract="false" name="DisclosureOfTransactionsBetweenRelatedPartiesRemunerationPaidExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfTransactionsBetweenRelatedPartiesEmolumentOtherThanRemunerationPaidExplanatoryTableTextBlock" abstract="false" name="DisclosureOfTransactionsBetweenRelatedPartiesEmolumentOtherThanRemunerationPaidExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfTransactionsBetweenRelatedPartiesBenefitObligationTableTextBlock" abstract="false" name="DisclosureOfTransactionsBetweenRelatedPartiesBenefitObligationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFinancialAssetsOtherThanCashDepositsOnDemandAndHedgingDerivativesTableTextBlock" abstract="false" name="DisclosureOfFinancialAssetsOtherThanCashDepositsOnDemandAndHedgingDerivativesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfCollateralsReceivedForFinancialAssetsTableTextBlock" abstract="false" name="DisclosureOfCollateralsReceivedForFinancialAssetsTableTextBlock" 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_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" abstract="false" name="ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DiscontinuedOperationsCondensedConsolidatedFinancialStatementsTableTextBlock" abstract="false" name="DiscontinuedOperationsCondensedConsolidatedFinancialStatementsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFinancialLiabilitiesOtherThanHedgingDerivativesTableTextBlock" abstract="false" name="DisclosureOfFinancialLiabilitiesOtherThanHedgingDerivativesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfCompositionAndReconciliationOfDebtInstrumentsTableTextBlock" abstract="false" name="DisclosureOfCompositionAndReconciliationOfDebtInstrumentsTableTextBlock" 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_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" abstract="false" name="DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfOtherComprehensiveIncomeChangesInFairValueThatWillNotBeReclassifiedToProfitOrLossTableTextBlock" abstract="false" name="DisclosureOfOtherComprehensiveIncomeChangesInFairValueThatWillNotBeReclassifiedToProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" abstract="false" name="DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfReconciliationBetweenAdjustedProfitAndStatutoryProfitTableTextBlock" abstract="false" name="DisclosureOfReconciliationBetweenAdjustedProfitAndStatutoryProfitTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfDetailedInformationAboutAverageNumberOfEmployeesExplanatoryTableTextBlock" abstract="false" name="DisclosureOfDetailedInformationAboutAverageNumberOfEmployeesExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_NumberOfBranchesTableTextBlock" abstract="false" name="NumberOfBranchesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" abstract="false" name="DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfAssetsAndLiabilitiesReconciliationTableTextBlock" abstract="false" name="DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfAssetsAndLiabilitiesReconciliationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_IfrsScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" abstract="false" name="IfrsScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" 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_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_WebsterFinancialCorporationMember" abstract="true" name="WebsterFinancialCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_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_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_SaleOfProportionOfOwnershipInterestInSubsidiary" abstract="false" name="SaleOfProportionOfOwnershipInterestInSubsidiary" nillable="true" xbrli:periodType="duration" 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_SharesSoldPercentageOfShareCapital" abstract="false" name="SharesSoldPercentageOfShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DisposalOfAssetsAndLiabilitiesPreviouslyClassifiedAsHeldForSale" abstract="false" name="DisposalOfAssetsAndLiabilitiesPreviouslyClassifiedAsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TSBBankingGroupLimitedMember" abstract="true" name="TSBBankingGroupLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialInstrumentsAssetsRecognisedAsOfAcquisitionDate" abstract="false" name="FinancialInstrumentsAssetsRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DepositsWithCreditInstitutionsAssetsRecognisedAsOfAcquisitionDate" abstract="false" name="DepositsWithCreditInstitutionsAssetsRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LoansToCustomersAssetsRecognisedAsOfAcquisitionDate" abstract="false" name="LoansToCustomersAssetsRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeRecognisedAsOfAcquisitionDate" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherAssetsRecognisedAsOfAcquisitionDate" abstract="false" name="OtherAssetsRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IdentifiableAssetsAcquiredRecognisedAsOfAcquisitionDate" abstract="false" name="IdentifiableAssetsAcquiredRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_CashAndBalancesWithCentralBanksLiabilitiesRecognisedAsOfAcquisitionDate" abstract="false" name="CashAndBalancesWithCentralBanksLiabilitiesRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FinancialInstrumentsLiabilitiesRecognisedAsOfAcquisitionDate" abstract="false" name="FinancialInstrumentsLiabilitiesRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LoansFromCustomersLiabilitiesRecognisedAsOfAcquisitionDate" abstract="false" name="LoansFromCustomersLiabilitiesRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DebtSecuritiesInIssueAndOtherFinancialLiabilitiesRecognisedAsOfAcquisitionDate" abstract="false" name="DebtSecuritiesInIssueAndOtherFinancialLiabilitiesRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DividendsPaidOrdinaryAndOtherSharesPercentageOfParValue" abstract="false" name="DividendsPaidOrdinaryAndOtherSharesPercentageOfParValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DividendsPaidOutOfProfitPercentageOfParValue" abstract="false" name="DividendsPaidOutOfProfitPercentageOfParValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DividendsPaidWithChargeToReservesOrSharePremiumPercentageOfParValue" abstract="false" name="DividendsPaidWithChargeToReservesOrSharePremiumPercentageOfParValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_FlexiblePaymentPercentageOfParValue" abstract="false" name="FlexiblePaymentPercentageOfParValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DividendsPaidOrdinaryAndOtherSharesPerShare" abstract="false" name="DividendsPaidOrdinaryAndOtherSharesPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_DividendsPaidOutOfProfitPerShare" abstract="false" name="DividendsPaidOutOfProfitPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_DividendsPaidWithChargeToReservesOrSharePremiumPerShare" abstract="false" name="DividendsPaidWithChargeToReservesOrSharePremiumPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
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  <xs:element id="san_DividendsPaidOrdinaryAndOtherShares" abstract="false" name="DividendsPaidOrdinaryAndOtherShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DividendsPaidWithChargeToReservesOrSharePremium" abstract="false" name="DividendsPaidWithChargeToReservesOrSharePremium" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <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_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" abstract="false" name="ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" abstract="false" name="DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_BoardOfDirectorsMember" abstract="true" name="BoardOfDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_LoansAndAdvancesCreditInstitutionsMember" abstract="true" name="LoansAndAdvancesCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" abstract="false" name="AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_SantanderConsumerGermanyMember" abstract="true" name="SantanderConsumerGermanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderPortugalMember" abstract="true" name="SantanderPortugalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_SantanderHoldingUSAExAutoMember" abstract="true" name="SantanderHoldingUSAExAutoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_GrupoFinancieroSantanderMexicoMember" abstract="true" name="GrupoFinancieroSantanderMexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderChileMember" abstract="true" name="BancoSantanderChileMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_SantanderConsumerBankNordicsMember" abstract="true" name="SantanderConsumerBankNordicsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DepositsCustomersMember" abstract="true" name="DepositsCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_PromissoryNotesAndOtherSecuritiesMember" abstract="true" name="PromissoryNotesAndOtherSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BondsAndDebenturesAndSubordinatedLiabilitiesMember" abstract="true" name="BondsAndDebenturesAndSubordinatedLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ExchangeDifferencesAndOtherMovementsLiabilities" abstract="false" name="ExchangeDifferencesAndOtherMovementsLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" abstract="true" name="PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" abstract="true" name="PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_PledgedCollateralMember" abstract="true" name="PledgedCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MortgageCollateralMember" abstract="true" name="MortgageCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherCollateralMember" abstract="true" name="OtherCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansAndReceivablesMember" abstract="true" name="LoansAndReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForborneLoanPortfolioAbstract" abstract="true" name="ForborneLoanPortfolioAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_RefinancingAndRestructuringBalancesAbstract" abstract="true" name="RefinancingAndRestructuringBalancesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_FinancingReceivablesModificationsNumberOfContracts" abstract="false" name="FinancingReceivablesModificationsNumberOfContracts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" abstract="false" name="LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LoansPercentageSecuredByMortgage" abstract="false" name="LoansPercentageSecuredByMortgage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LoanToValueAxis" abstract="true" name="LoanToValueAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_LoanToValueDomain" abstract="true" name="LoanToValueDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LtvLessThan80PercentMember" abstract="true" name="LtvLessThan80PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AffordabilityRate" abstract="false" name="AffordabilityRate" nillable="true" xbrli:periodType="duration" 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"/>
  <xs:element id="san_LoanToValueRatio" abstract="false" name="LoanToValueRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LtvLessThanOrEqualTo40PercentMember" abstract="true" name="LtvLessThanOrEqualTo40PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_Ltv40To60PercentMember" abstract="true" name="Ltv40To60PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_Ltv60To80PercentMember" abstract="true" name="Ltv60To80PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IfrsLtv80To100PercentMember" abstract="true" name="IfrsLtv80To100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LtvMoreThan100PercentMember" abstract="true" name="LtvMoreThan100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ExcessOverCollateralValueMember" abstract="true" name="ExcessOverCollateralValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_SegmentBalanceSheetAbstract" abstract="true" name="SegmentBalanceSheetAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_ForeclosedPropertiesMember" abstract="true" name="ForeclosedPropertiesMember" 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_ResidentialLoansMember" abstract="true" name="ResidentialLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherPurposesLoansMember" abstract="true" name="OtherPurposesLoansMember" 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_ForeclosedEquityInstrumentsMember" abstract="true" name="ForeclosedEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IfrsComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" abstract="true" name="IfrsComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_IfrsComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" abstract="true" name="IfrsComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_IFRSCommonEquityTierOneCapitalRatio" abstract="false" name="IFRSCommonEquityTierOneCapitalRatio" 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_CommonEquityTier1CapitalCountercyclicalBufferPercentage" abstract="false" name="CommonEquityTier1CapitalCountercyclicalBufferPercentage" nillable="true" xbrli:periodType="instant" 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_IfrsCommonEquityTierOneCapitalRequiredForCapitalAdequacy" abstract="false" name="IfrsCommonEquityTierOneCapitalRequiredForCapitalAdequacy" 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_CommonEquityTierTwoCapitalRatio" abstract="false" name="CommonEquityTierTwoCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_LoansAndLeasesMember" abstract="true" name="LoansAndLeasesMember" 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_DepositLiability" abstract="false" name="DepositLiability" 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_EarningsAssetsMember" abstract="true" name="EarningsAssetsMember" 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_IssuanceRedemptionOfTreasuryShares" abstract="false" name="IssuanceRedemptionOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SubordinatedLiabilitiesPreferenceSharesMember" abstract="true" name="SubordinatedLiabilitiesPreferenceSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SubordinatedLiabilitiesPreferredSecuritiesMember" abstract="true" name="SubordinatedLiabilitiesPreferredSecuritiesMember" 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_IssuanceByBancoSantanderSAInMay2021Member" abstract="true" name="IssuanceByBancoSantanderSAInMay2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceByBancoSantanderSAInSeptember2021Member" abstract="true" name="IssuanceByBancoSantanderSAInSeptember2021Member" 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_IssuanceByBancoSantanderS.A.InMay2024Member" abstract="true" name="IssuanceByBancoSantanderS.A.InMay2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceByBancoSantanderS.A.InAugust2024Member" abstract="true" name="IssuanceByBancoSantanderS.A.InAugust2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceByBancoSantanderS.A.InJuly2025Member" abstract="true" name="IssuanceByBancoSantanderS.A.InJuly2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceBySantanderFinancePreferredS.a.InSeptember2004Member" abstract="true" name="IssuanceBySantanderFinancePreferredS.a.InSeptember2004Member" 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:element id="san_MidSwapRateFiveYearEuroMember" abstract="true" name="MidSwapRateFiveYearEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InvestmentSecuritiesSeriesAxis" abstract="true" name="InvestmentSecuritiesSeriesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_InvestmentSecuritiesSeriesDomain" abstract="true" name="InvestmentSecuritiesSeriesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_USDollarSeriesMember" abstract="true" name="USDollarSeriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuroSeriesMember" abstract="true" name="EuroSeriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SubordinatedIssueMidSwapRateTerm" abstract="false" name="SubordinatedIssueMidSwapRateTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
</xs:schema>
