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Last Verified: April 14, 2026
Confidence Level: Medium

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Overview

Banco Santander allows you to grant access to your accounts by creating an usuario operador. This is done through Online Banking Empresas, where you can:
  • add a new user with their own login credentials
  • choose which accounts they can access
  • define what they are allowed to see and do, such as viewing balances or initiating payments
You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

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Bank terminology

ConceptBanco Santander term
Delegated userusuario operador / usuario
Adminfirmante / usuario administrador

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Setup steps

1. Navigate to user management

Sign in to Online Banking Empresas.From the top navigation, go to: Perfil (click on your name) → Administración de usuarios y notificaciones → Claves y usuarios → Administración de usuarios operadores
Click Alta de usuarios operadores.Enter the user’s details:
FieldNotes
First NameRequired
Last NameRequired
Username/ID (DNI)Required
EmailRequired
Phone (Celular)Required
Área o sectorRequired
PuestoRequired
Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.
Select the account or accounts this user should access during the setup flow.
This must be done for each account individually. If skipped, the user will not see any accounts.
SettingRecommended
Access levelSolo consulta
Balances✅
Transactions✅
Statements✅
Payments (initiate)❌
Approvals❌
Daily limitsSet as appropriate
The above example corresponds to read only functionality. If you want to enable Waycore to draft transactions on the portal, you should enable payments, approvals, and limits correspondingly.
Review the setup and click Confirmar to complete. If the user is not an existing Santander customer, a temporary password will be generated for them.

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Important notes

If no account access is assigned, the user will see no data.
New users may need to wait 24-48 hours for verification if they are not existing Santander clients. Additionally, some user creation requests might require approval from a firmante.
Use one user per account if separate connections are required.